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Why Buyers Choose John and Karen Hockenberry - Why homebuyers looking for a real estate agent in the West Chester, Downingtown, Exton and Chadds Ford area choose John and Karen Hockenberry. Latest Listings - Get John and Karen Hockenberry's latest West Chester, Downingtown, Exton and Chadds Ford listings of homes for sale first! Find Your Perfect Home - John and Karen Hockenberry will search for your ideal home and email you the newest West Chester, Downingtown, Exton and Chadds Ford MLS listings of properties in Chester, Delaware County PA. First Time Homebuyers - Are you a first time homebuyer in West Chester, Downingtown, Exton and Chadds Ford, PA? Choose a top real estate agent. John and Karen Hockenberry can guide your home buying search. Mortgage Prequalification - Pre-qualify for a mortgage or loan for your West Chester, Downingtown, Exton and Chadds Ford house or other real estate or property. Go to Main Sitemap - Main sitemap sections include Find West Chester, Downingtown, Exton and Chadds Ford Homes, For Home Buyers, For Home Sellers, West Chester, Downingtown, Exton and Chadds Ford Information, Real Estate Resources, and About John and Karen Hockenberry. 
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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 site discovered in 1965 is considered the world's oldest known habitation?
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| A |
The Terra Amata site in Nice, France has the remains of 21 huts belonging to the Acheulian culture from 400,000 years ago. |
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