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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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Why Buyers Choose Ray Spitler
Welcome > For Buyers > Why Buyers Choose Ray Spitler ...

Buying a Home Requires Many Difficult Decisions. Make Sure Your real estate agent is a Top Local Expert. 

If you have been turned down by the bank, you CAN still buy a home! There are many good people just like you who may have a special situation that is preventing the bank from saying yes to your loan. I can offer other options depending on your unique situation. Fill out the form below with as much information as you can and I will contact you right away! 

Let's find you a home! 

Your home is probably the biggest purchase your family will ever make, and it involves many decisions that go beyond simply choosing one you like. 

As a top Saginaw, Midland and Bay City area real estate agent, here is how I will guide you through the entire process, from viewing homes and financing, to making sure the final contract is in your best interest: 

- You will have full access to ALL homes available on the Saginaw, Midland and Bay City market, even listings not yet on the MLS, through my professional Michigan real estate affiliations. 

- My expert local knowledge of the Saginaw, Midland and Bay City area should be invaluable to you, not just in terms of real estate, but also schools, neighborhoods, the local economy, and more. 

- Every local real estate market absolutely has its own trends and opportunities. This can vary greatly, even one neighborhood to the next. Saginaw, Midland and Bay City is no different! It's my job to steer you into opportunities and out of traps. 

- What is the true market value of the home you are interested in? Is it priced too high? Is it a bargain that you should jump on? I help home buyers make decisions like this every day, and I'll make sure that YOU get the best value for your money. 

- Negotiating with sellers can be stressful. I will help you negotiate, so that the final contract includes your best possible terms and conditions. 

- You should know absolutely everything about the property you are buying! You and I will view every home that you are interested in, together. And prior to closing I will make you fully aware of any and all inspections available to you. 

- Have confidence when signing documents. Contracts are full of complicated terms and clauses that can greatly affect your future life in your new home. I will give you the full benefit of my real estate knowledge and experience. 

Let me represent your best interests in your search for a new home in the Saginaw, Midland and Bay City area. While you can see a million homes on the web, actually buying your home is another matter entirely. Buyers beware! 

Ask me any question about buying a home in Saginaw, Midland and Bay City. It's my job to help you! There's no obligation, and I promise to respond quickly... 

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Real Estate Tips
Financing Your Home >Assuming a Mortgage

You may be able to assume the seller's mortgage liability when buying a house instead of having to apply for a new loan.

Assuming a loan could minimize your down payment or closing costs and get you a more advantageous interest rate. To know whether an assumption will work, find out the loan balance. If the balance is a small fraction of the purchase price, you will have to come up with a large down payment or get a second loan for the difference, unless the seller is willing to provide some of the financing. If the loan balance is high, the loan may have been made when interest rates were higher than they are today.

Most newer loans that are assumable have adjustable rates. If you are considering an assumption because of credit problems, you will need the lender's approval to make the transaction work.

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Real Estate Trivia
Q 
What real estate term was first used in the 19th century and means "a high-flying flag on a ship"?

A 
Skyscraper was first used in the 1880s when office buildings of 10 stories or more were built in Chicago and New York.
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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, Associate Broker, CDPE, 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

CDPE ePro GRI MLS REALTOR SFR


   

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