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All agents are NOT alike! Find out why I am a Number1 Expert in the Bethany Beach and Ocean City resort area! Call Mearl Layton, GRI @ 888-529-8667!
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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.
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" Very Professional!"
"Made frequent contact and kept us aware through the whole selling process."
David K. October 17, 2007
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Mearl Layton, GRI
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About Mearl Layton, GRI:
About Mearl Layton, GRI - Information about Mearl Layton, GRI of Bethany Beach, Fenwick Island and Ocean City, Md, Delaware? Testimonials - Read what Mearl Layton's clients are saying about the real estate marketing and services provided. Quick Response Guarantee - A quick response to your email request for more Delaware home buying & property selling information is guaranteed by Mearl Layton, GRI. Privacy Guarantee - This Bethany Beach, Fenwick Island and Ocean City, Md real estate web site will respect your privacy, guaranteed by Mearl Layton, GRI. No Obligation Guarantee - Mearl Layton's real estate help by email is free & without obligation for Bethany Beach, Fenwick Island and Ocean City, Md home owners in Delaware. For Real Estate Agents - Let Mearl Layton, GRI help you with your professional real estate broker and agent needs in the Bethany Beach, Fenwick Island and Ocean City, Md area. About NUMBER1EXPERTS™ - NUMBER1EXPERTS™ are top real estate professionals, find out more. Contact Information - How to contact Mearl Layton, GRI. Go to Main Sitemap - Main sitemap sections include Find Bethany Beach, Fenwick Island and Ocean City, Md Homes, For Home Buyers, For Home Sellers, Bethany Beach, Fenwick Island and Ocean City, Md Information, Real Estate Resources, and About Mearl Layton, GRI. 
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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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| Q |
What is an encumbrance against a property, which may be voluntary or involuntary?
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| A |
There are many different kinds of liens: a tax lien, a judgment lien, a mortgage lien, and a mechanic's lien. |
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