Being self-employed doesn’t mean homeownership is out of reach. While the process might look slightly different from someone with a traditional W-2 income, self-employed individuals can absolutely secure a loan for their dream home in Kitsap County, WA. Here’s what you need to know to start the process and make your homeownership dreams a reality.

Where to Begin

The first step to buying a home as a self-employed individual is preparation. Lenders want to see stability and a clear picture of your finances. Follow these steps to get started:


Organize Your Financial Documents: Gather at least two years of personal and business tax returns, profit and loss statements, and bank statements.



Check Your Credit Score: A good credit score improves your chances of loan approval and better interest rates.



Estimate Your Budget: Use online mortgage calculators or speak with a lender to determine how much home you can afford.



Research Lenders: Not all! ...

Why This Could Be the Year to Become a Real Estate Agent
What are you waiting for?
The real estate industry is in constant flux, shaped by economic trends, consumer behaviors, and technological advancements. Despite uncertainties in the market, now could be the perfect time to embark on a career in real estate. Here’s why:
1. Flexibility and Independence
One of the most appealing aspects of becoming a real estate agent is the freedom it offers. Unlike traditional 9-to-5 jobs, real estate agents set their own schedules, work independently, and have control over their income potential. Whether you’re looking for a full-time career or a side hustle, real estate offers unmatched flexibility.
2. High Earning Potential
Though income can vary based on location and market conditions, successful real estate agents can earn significant commissions. As the housing market fluctuates, savvy agents can capitalize on both buyer and seller markets, maximizing their earnings in any ...

The Presidential Election Is Over: Why Now May Be the Best Time to Buy or Sell a Home

The dust has settled, the votes are in, and a new chapter in leadership begins. While political seasons can bring uncertainty, the period following an election often presents unique opportunities in the real estate market. Whether you’re considering buying your first home or selling your current property, now may be the ideal time to make a move. Here’s why.
1. Increased Market Stability
Election cycles often introduce a level of uncertainty that can cause buyers and sellers to hesitate. With the election behind us, many potential buyers and sellers who were previously on the sidelines may now feel more confident about their next steps. This newfound stability often translates to increased activity in the real estate market, creating more opportunities for everyone involved.
2. Potential Interest Rate Adjustments
The Federal Reserve closely monitors economic conditions, including th! ...

Homebuyer’s Real Estate Tips for Halloween: Find the Best Candy and Community!
As Halloween approaches, excitement for treats (and maybe a few tricks) fills the air. For homebuyers and real estate agents, Halloween isn’t just about costumes and candy—it’s a surprising opportunity to get a pulse on a neighborhood! If you’re planning to buy a home, grabbing a bag and hitting the pavement on October 31st can actually reveal plenty about your future neighbors, their level of festivity, and even their generosity. Here’s The Olsen Team’s spooky-season guide to scouting out the best candy—and possibly your dream neighborhood!
1. Look for Decorated Homes: A Great Candy Indicator!
Let’s face it, the more skeletons, cobwebs, and pumpkins a home displays, the better chance it’s loaded with candy. Neighborhoods with well-decorated homes often indicate a vibrant, community-centered area—ideal for homebuyers seeking friendly neig ...

How to Sell Your Haunted House Without Scaring Away Buyers

The Olsen Team’s Halloween tips for turning your ghostly abode into a buyer’s dream (or nightmare)
Selling a house is hard enough, but selling a haunted house? Well, that’s a whole other realm (pun intended). If your property comes with more than just a squeaky floorboard and the occasional draft, you’re probably wondering how to convince buyers that your home is worth the ghosts. Fear not! This humorous but practical guide will help you get your haunted house ready to sell.
1. Embrace the Spooky Vibes
When you can’t hide it, flaunt it! Your home has character—possibly many characters from different eras. Rather than downplaying the haunted history, highlight it in a fun and quirky way. Some buyers are actually looking for a spooky spot! Consider marketing your home as a “paranormal paradise” or “vintage charm with extra personality.” Lea. ...