All agents are NOT alike! Find out why I am a top real estate expert. Call me: 831-626-2284.
Find Out About the Latest Homes for Sale First! I add my newest homes and other real estate listings to this web site first. It can be some time before they appear in the MLS. Find Out More > View All Offers >
Congratulations “I've worked with many real estate brokers...but I've never before received anywhere close to the superior level of service that you offered.” Leonard M, Managing General Partner Read Quote > View All Quotes >
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Call me at 831-626-2284 or Email me at Rick@kennifer.com
Financing Your Home >If You Are Self Employed
There's no question that it could be more difficult for you to get a mortgage loan if you are a free lance viola player than if you are a government accountant. Traditionally, lenders have been more cautious when evaluating loan applications of buyers who are self-employed than people who work for a regular salary.
However, if you are self-employed, there is no reason for you to shy away from applying for a home mortgage loan, especially if your earnings have been in the same field for at least two years. It is a good idea to meet with one or more loan officers before you begin your search. They will probably want to analyze your tax returns for the past 2 or 3 years, keeping in mind that many self employed people can look impoverished on paper, since you can write off some expenses that salaried individuals can not. Try to get pre-approval from the lender, and ask for a letter stating that you have pre-qualified for a loan which your real estate agent can attach to any offer you submit on a home. This will make you more attractive to the sellers.
Just call me! I can give you a list of local service providers that I recommend. Find Out More >
Rick Kennifer Coldwell Banker Del Monte Realty The Shops at the Lodge P.O. Box 1111 Pebble Beach, CA. 93953 Phone: 831-626-2284 Fax: 831-622-0192 Email: Rick@Kennifer.com
Rick Kennifer is your Number One Real Estate Resource in the Pebble Beach, Monterey and Carmel areas of the Monterey Peninsula. Rick consistently achieves the "International President's Elite" award with Coldwell Banker, recognizing his sales performance in the Top 1% of Coldwell Banker's 60,000 plus agents internationally. Rick fully employs cutting-edge real estate technology, and assistants and associates who share the overriding goal of delivering superior customer service, to each of our clients, every time. Rick's Team is guided by the idea that our only purpose and our fierce loyalty is always to support and achieve our clients' best interests in buying or selling their home, and never just to "close this deal"! We would be pleased to have the opportunity to assist you with any real estate needs, questions or information you might have. Give us a call or email us if we can be of any help.
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