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Hot Topic: Tips On Getting Your Mortgage Loan Approved
How Choosing The Wrong Loan Program Can Wipe You Out
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Home Loans Featured Articles
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Mortgage Loan Tips.

Why some people almost always get the lowest interest rate on their mortgage - for the least points - and No Junk Fees!
 
Home Buyer Defense Guide.

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Self Certification is the answer if you can't prove your income

Author: Mark Harrison


Self certification could be the answer.

Also known as self cert, this is a great way of obtaining a mortgage even if the following applies:

1. You cannot prove your income because it comes from a number of different sources.
2. You do not show enough of a net profit.
3. You do not have 3 years audited accounts

Even if you are employed you can self certify your income as you may have a set basic salary but earn a huge (but inconsistent) amount on top.

In most cases a lender will take a view as there is obviously a case that the income is being earned, the problem is proving it.

You will also find that self certification is much quicker as there is no need for an employers or accountants reference.

Even better, the rates being charged by mortgage lenders do not even differ to those being charged to individuals who can prove their income.

So the question is' what are you waiting for?

About the Author

Mark Harrison is the Managing Director of Capital Mortgage Solutions, a mortgage specialist. He has worked in Financial Services for over 15 years and also lectures on the subject.

Article Keywords:
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Note from the publisher


As you may know, I have a very deep passion for real estate and mortgages.  In fact, this website is a true labor of love for me.  

As publisher, one my many duties is to review the many books, programs and courses about real estate and mortgages that are on the market today.  I’ll be honest with you.  Most of them are garbage.  (Although I do strongly recommend the programs in the “Must Have” box above). 

But, let me tell you, when I came upon the following headline, I new I found a winner…

“Learn How To Quickly Build At Least $40,000 Worth Of Home Equity And Pay Your Mortgage Off In 10 Years Or Less” -Without Making Biweekly Mortgage Payments-Or Changing Your Current Mortgage.

Now, the reason I knew it was a winner was because of the name behind the headline.  Craig Romero.  Many consider Craig to be one of the true geniuses in our field.  I have a lot of respect for him, and I urge you to drop what you are doing right now and click the link below... 


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Home.Loanbegin.com Presents Hundreds Of Articles, Tips, And Resources About Home Equity Mortgages, Refinancing Home Mortgages, And Home Mortgage Loans