Courtesy of
Mindy Dougherty
REALTOR®
(727) 314-5553 (Direct)
(727) 531-2006 (Office)

              

Self-Employed? Home ownership is in reach.
Many would-be home buyers - particularly those who are self-employed - sit on the sidelines for fear they won't qualify for a mortgage. 

But those fears may be unwarranted. Self-employed buyers make up a huge share of today's home purchases, and lenders are making it easier than ever for them to qualify. 

Are you self-employed and looking to buy a home? A few things may help smooth the buying process:
  • Choose a bank statement loan, which allows you to qualify based on cash flow, not W-2s or paystubs
  • Have at least two years of self-employment income on your tax returns
  • Leverage a great credit score or have a significant down payment
The Perks of Buying a Home in Winter
The weather's dreary and it's a pain to go outside, but there's one thing winter has going for it: it's a great time buy a house. 

For home buyers, winter brings:
  • Less competition
  • Lower home prices
  • More room for negotiation
  • More available vendors (real estate agents, mortgage lenders, home inspectors, etc.)
  • Special incentives (especially with new construction)
There's also the perk of seeing homes during the harshest of conditions. How does the home hold up? Are there issues with the heating or landscaping that will need to be handled? 

If you're thinking of buying a home this winter, let me know. I'll help you get you through the process.
Brass doorknobs disinfect themselves. 
Several metals including brass, copper, and aluminum, iron, lead and silver are antimicrobial and they kill bacteria and brass is the most antimicrobial of them all! 
Why 2019 is the Time to Get Out of the Rent Race
If you're on the fence about buying a home, now's the time to hop off. 

With national rents at all-time highs, American renters are now paying more than ever to live on someone else's property. On top of this, renting also means:
  • Less design freedom and flexibility
  • Little privacy, peace and quiet
  • Parking, space and storage issues
  • Building equity for someone else (not yourself!)
  • No long-term ROI or credit benefit, despite making on-time payments
With rents only continuing to rise (meaning saving money for a down payment is getting harder), there's never been a better time to get out of the rent race.
Mindy Dougherty
SL3382375

RE/MAX Action First
410 South Lincoln Avenue, Clearwater, FL 33756
Each Office Independently Owned and Operated.
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