Saginaw, Midland and Bay City real estate and homes for sale in Michigan, Foreclosures, short sales, bank owned homes - Ray Spitler, REALTOR® REALTOR® Logo - NUMBER1EXPERT™ NUMBER1EXPERT™ Logo

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$8000 Tax Credit Info Here!

All agents are NOT alike! Find out why I am a top real estate expert. Call me now: 989-737-8042.

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Welcome to Ray Spitler'sSaginaw, Midland and Bay City Real Estate Website Welcome to Ray Spitler'sSaginaw, Midland and Bay City Real Estate Website
Welcome to Ray Spitler'sSaginaw, Midland and Bay City Real Estate Website

Welcome to the only website you need for real estate in Saginaw, Midland and Bay County Michigan.  


 

HELP for Homeowners:

Are you having difficulty making your monthly payments?
Has the bank denied your mortgage modification?
Owe more on your house than you can sell it for?
Need to move and get your home sold quickly?
Did your listing expire without a sale?


There are many options available to you, to releive you of the stress and burden your house may be causing you. I want to help solve your problem!

Would you like to have someone take over your payments so you can move on?

How about preventing foreclosure and saving your credit rating so you can buy again sooner without having a foreclosure showing up on your credit report?

I have recieved specialized training to sell your home now regardless of mortgage balance! In situations like these, you need an experienced short sale expert to handle the sale of your property. The wrong Agent can cost you the sale and result in foreclosure. Before hiring an Agent to sell your home on a short sale, ask what real training they have had. Don't let your property be one they "learn how to do a short sale on"!

Email or call Ray today at 989-607-6252 for a confidential consultation. But hurry, time is critical to success.



for Buyers:
Having difficulty obtaining a mortgage?
Looking for a great deal, short sale or foreclosure?
Ready to get your $8000 Tax Credit?


I can show you how to buy a home when banks are telling you you can't!

With access to all the foreclosures in the Country, I can help you find a great deal on the home of your dreams!



As one, if not "the" most tech-savvy realtor in Saginaw, Midland or Bay City, I know how to make the experience a winning one for my buyers and sellers.  Chances are, if you weren't referred to me, you found MBShomes.com in a online search for real estate or homes for sale in Michigan.

Just looking for information? Thats fine too! You'll find lots of valuable information here, wether this is your first home or investment property. If you are still in the information gathering stage and do not want to be contacted yet, just let us know when you request information on any form on the website. We respect your privacy and will only contact you when you request it.

If on the other hand, you have questions or wish to discuss your needs, just leave your phone number or email and we will respond quickly to your request.

Be sure to register for New Listings, so you can see our listings before they hit the MLS. Sometimes good deals are under contract quickly, so I let my visitors know about them first! Looking for homes? Search everything the web has to offer, right here! Don't miss my Feature Homes.

Contact me with confidence! I guarantee your privacy will be respected. And I offer the services on this site for free and without obligation. Why? I want to be YOUR real estate agent. As your trusted, professional real estate consultant, I will help you find the best home in your area within your price range. And together we will sell your home, for as much as the market will bear, and as quickly as possible.

Buying and selling a home is one of the biggest events in your life. As a top Saginaw, Midland and Bay City Michigan real estate agent, I have the experience and track record you are looking for. Please let me help.

I also realize that you may be in the very early stages of deciding what is right for you, and prefer to remain anonymous. No problem! Feel free to use this website as your real estate resourse as long as you like. However, if you are ready to take the next step with your move, leave your phone number so we can contact you and help get you headed in the right direction.

As a member of all local Boards of Realtors: Saginaw Board of Realtors, Midland Board of Realtors,and the Bay County Board of Realtors, I have access to every property listed in the Tri-City area, and now so do you! Use the "hot links" on the top left edge of this page to search all the listings in Saginaw, Midland and Bay City Michigan at your convenience. Or if you prefer, I will search for you. When the time is right for you to move, give me a call so we can discuss your needs and wants together.

- Ray




School Reports in Saginaw, Midland and Bay City, Michigan
"A model of how the Internet can facilitate the process of deciding where to send your children to school"
- America's Best School Profiles by
The Heritage Foundation

Michigan Public, Private and Charter Schools: Compare them using these top-rated, comprehensive reports.
  Schools in Saginaw, Midland and Bay City 



Real Estate Tips
Real Estate Contracts >Legal Documents

The stacks of papers that you have to sign in order to buy a house can leave you confused. The person conducting the closing will ask you to sign your name to countless documents that are filled with legal jargon. Some buyers just barely glance at each form and sign them without a lot of questions, while others find it very frustrating to try to read every form at the closing table.

You should read and understand the papers you sign. If you are getting a loan to buy the property, most of the paperwork will come from the mortgage company. In most cases, there is little time to read everything in advance because the forms arrive at the closing office shortly before closing is scheduled to begin. Most of the documents use standardized language, however, and you should be able to get copies of the documents ahead of time from the lender so that you can have your questions answered and be comfortable with the settlement process.

See All Tips In The "Real Estate Contracts" Category >
See Complete Library Of Hundreds Of Tips In 30+ Categories >

Real Estate Trivia
Q 
What is considered one of the few remaining tax shelters in the 1990s?

A 
Homeownership--property taxes on a residence or vacation home are deductible up to $1 million.
See More Real Estate Trivia >


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Ray Spitler, REALTOR®, real estate agent and broker for Saginaw, Midland and Bay City, Michigan home listings, property and land for sale - NUMBER1EXPERT(tm)

Ray Spitler, GRI, e-Pro
Keller Williams Realty

4177 Fashion Square Blvd, Suite 3
Saginaw, MI 48603
Direct: 989-737-8042
Fax: 989-393-6009
email Ray: Ray@MBShomes.com

Moving across town or across the country, call me for service you can trust. I am connected with many networks across the country to help you with your move. Serving: Saginaw Township, Saginaw County, Thomas Township, Tittabawassee Township, Freeland, Midland, Auburn, Kochville, Zilwaukee, Carrollton, Shields, Swan Creek, Williams Township, Midland Township, Frankenlust, Hemlock, Merrill, Bay City, Bay County, Midland County, Monitor Township, Bangor Township, Mills Township, Larking Township, Kawkawlin, Reese, Bridgeport, Frankenmuth

ePro GRI


   

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