Gulf Shores, and Orange Beach real estate and homes for sale in Alabama - Bill, Joanne and Mike Cranston, REALTORS® Bill, Joanne and Mike Cranston REALTORS(r) for Gulf Shores, and Orange Beach, Alabama real estate - NUMBER1EXPERTS™ Bill, Joanne and Mike Cranston NUMBER1EXPERTS(tm) for Gulf Shores, and Orange Beach, Alabama real estate
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Bill, Joanne and Mike Cranston, REALTORŪ, real estate agents and broker for Gulf Shores, and Orange Beach Alabama home listings, property and land for sale - NUMBER1EXPERT(tm)
All agents are NOT alike! Find out why we are top real estate experts. Call us: 800-981-4421.


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For Sellers: Gulf Shores, and Orange Beach Alabama home buying, real estate listings, and homes for sale in Baldwin                        County, AL
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Real Estate Tips
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.

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Real Estate Trivia
Q 
According to Feng Shui, the art of home placement, what five elements are needed in a harmonious environment?

A 
Wood, fire, earth, metal and water must be balanced to create a happy, prosperous home.
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Bill, Joanne and Mike Cranston, REALTORŪ, real estate agents and broker for Gulf Shores, and Orange Beach Alabama home listings, property and land for sale - NUMBER1EXPERT(tm)

Bill, Joanne and Mike Cranston
RE/MAX OF ORANGE BEACH

26021 Perdido Beach Blvd
Orange Beach, AL 36561
800-981-4421
877-945-8555
251-948-8555
Fax: 251-948-5644
Email: cranstonteam@NUMBER1EXPERT.com

Bill and Joanne Cranston are a successful husband and wife team, who along with their son, Mike Cranston, specialize in condominiums, beachfront and bayside homes, and investment properties. The Cranston Team has over 75 years combined experience in servicing the public's real estate needs! They are 50 Million Dollar Producers.


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NUMBER1EXPERTS™ in real estate for Gulf Shores, and Orange Beach, Alabama

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