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"the best agent"
"Being an engineer, I am extremely detail oriented when selling properties...and would recommend him without reservation"
Sincerely,Adam Trenkle, Ladera Ranch
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Mark and Theresa Thoburn are one of The Top Selling Real Estate Experts™
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Welcome > For Buyers > First Time Homebuyers ...

Buying Your First Home? Real Estate Agents Are Your Professional Guides. Make Sure You Choose Top Experts.

You might be a bit afraid or intimidated by the whole process of buying your first home. As top Mission Viejo, Irvine and Laguna Niguel real estate experts, it's our job to guide you, from beginning to end.

We will take the time to go through each and every step of the buying process. There are no dumb questions!

Together, we will consider:

- How much can you really afford?

- How to qualify for a mortgage.

- How much cash you should put down.

- How to buy a home with little or nothing down.

- What it takes to get approved for financing. What banks and other financial institutions are looking for.

- How much your payments will be.

- The tax advantages of buying.

- Is renting or buying better for you?

Tell us a bit about your situation below. We'll get right back to you. There is absolutely no charge, and we offer this to you with no strings attached.

New to the home buying process? Tell us your concerns. Ask us questions. It's our job to help! There's no obligation, and we promise to get back to you quickly...

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School Reports in Mission Viejo, Irvine and Laguna Niguel, California

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Self Employed >No Problem

There is no doubt about the fact 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 from buyers who are self-employed than from those who work for a regular salary.

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. Before you begin your search for a house, it is a good idea to meet with an agent of your choice who will be happy to accompany you as you meet with one or more loan officers. They will probably want to analyze your tax returns for the past 2 or 3 years. Because people who are self-employed can write off many expenses that salaried individuals cannot, it is possible that self-employed individuals may look impoverished on paper. Try to get pre-approval from the lender, and ask for a letter to that effect which the real estate agent can attach to any offer you submit on a home. This will make you look more attractive to the sellers.

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Q	Which estate has two pools--one on the east side for the morning sun and one on the west for afternoon enjoyment?
A	The former estate of John Lennon in Palm Beach has two pools plus guest quarters.
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Mark and Theresa Thoburn, REALTOR®, real estate agents and broker for Mission Viejo, Irvine and Laguna Niguel, California home listings, property and land for sale - NUMBER1EXPERT(tm)

Mark and Theresa Thoburn
Keller Williams Realty
27101 Puerte Real, Suite 150
Mission Viejo, CA. 92691
Phone: 949-378-7222
Fax: 949-282-0099
Email: MarkThoburn@cox.net

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