Equity Home Loans - Mortgage???

Mortgage???

we are looking to get a mortgage, my husband is self employed and on a good income which is provable, i work part time so don't get alot so i know my wages wont be included. where is the best place to go for a mortgage when you are self employed? and has any one out there got a self cert mortgage can you give me any info on them? Many Thanks

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You will have no problem if your credit history is OK. Talk to any mortgage broker. They represent dozens of lenders and will find one for you.
Even though you work part time, your wages will count as long as you have been working at least 1 year. There are all sorts of places to go, even on line. Try www.dietek.com, I did and got a great loan. With the rates going down, you may quailify for as low as 4.9 %, and no I do not work for any morgtage lender. Good Luck
Best to use a decent broker who knows the best products and can recommend where the best self cert mortgages are. Word of caution though keep on top of them and chase them all the time...
Your husband will not need a self cert mortgage if his income is provable. Besides in the last couple of years self cert mortgages have become few and far between as reputable lenders try and distance themselves from this type of lending. You can still get this type of mortgage but may have to pay over the odds. You should speak to a mortgage broker who will be able to advise you as to the best way to move forward. When dealing with a broker discuss with him his brokers fee. In my opinion you should not pay more than £250 for their services. I know people who have been charged £2,000 for this service. Negotiate.
You need to speak to an independent mortgage broker who can search a panel of lenders for the best deals available to you, (your income can be included as well) a reputable mortgage broker will not charge a fee for this service.
Any Good Broker can get this done for you. If you can qualify with full documentation, than you get the programs avaialable.
Any bank has programs for self employed borrowers, especially if they can prove their income, so feel free to go through who you are comfortable with. I'm not sure how long you have had your part-time job, but no matter how small your income it can STILL be used if you have been there for 2 years.
Self employed is an issue...start with your local bank....and...go from there.
Talk to a loan officer and complete a detailed application and have your 3 scores pulled. you'll need your tax returns so he/she what you made self employed over the past 2 years. Unless, you are doing a no doc type of loan.
The rate/terms of your mortgage would depend on your credit, income, down payment and county you live in. Depending on how long you've worked at your part-time job, you may be able to include the income. If you live in a community property state, you will have to be put on the loan anyways. If not and your debt outways your income, it may be beneficial to get a loan in your husband's name only. Any Mortgage Broker can shop to find you the best mortgage. If you are interested in using me (as I am a Mortgage Broker) you can call me at 702-991-8020 Good luck, buying a new home is always exciting!
You should shop around with some reputable mortgage lenders, brokers, and maybe even local credit unions (not banks-too inflexible and costly) If you are in PA, I'd be glad to talk to you: http://www.pottstownmortgage.com/