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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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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 MBShomes.com! Your Tri-City HOME Connection
The only website you need for real esate in Saginaw, Midland and Bay City Michigan
 

WANTED!: Large "upscale" ranch home or estate with many updates in or near Saginaw Township, Freeland or Thomas Township. Would like something in "The Grove" if possible or similar development.  

>>Large Family looking for large newer home with 2 living areas and kitchens. Could be nice duplex, two adjoining Condos. Saginaw Township area. Call Ray if you are considering selling. 

If you are considering selling your Luxury lifestyle home, please contact Ray Spitler at (989)737-8042. I have a buyer who has been looking for some time for that special home and not finding it. Perhaps you have what they seek?
 

Are you having difficulty making your monthly payments?
Do you own more on your property than it is actually worth?
Do you need to get your home sold quickly?
I have recieved specialized training to help. Email or call Ray today at 989-607-6252 for a confidential consultation. But hurry, time is critical to success. 

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 google search, or one of many other search engines I can be found on. 

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 Spitler, GRI, e-Pro 




School Reports in Saginaw, Midland and Bay City, Michigan
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Real Estate Tips
Financing Your Home >When Interest Rates Rise

Many people fall out of the home buying market when interest rates start to go up. This is often a mistake. Many of the best mortgages deals become available when lenders are competing for new business and sellers are competing within a smaller buyer pool. You just have to know how to keep the costs down in order to counter the higher interest rates.

One of the best tricks is the buy-down. In a buy-down, a fee is paid at the closing to get a lower interest rate. In a soft market, an anxious seller may be lured into to paying all or part of the buy-down. Another approach is to get the seller to pay some of closing costs, thus lowering the amount of cash a buyer needs to close. Frequently the seller's costs can be used as a write-off by the buyer. Always consult with your tax advisor if you are considering such an arrangement.

If the market is softening due to rising or higher rates, the price itself becomes an area where a buyer may be able to save a lot of money on a house through skillful negotiating. Lower prices mean lower loan amounts, so don't be discouraged by higher rates--use them to your advantage.

See All Tips In The "Financing Your Home" Category >
See Complete Library Of Hundreds Of Tips In 30+ Categories >

Real Estate Trivia
Q 
Which estate has two pools--one on the east side for the morning sun and one on the west for afternoon enjoyment?

A 
The former estate of John Lennon in Palm Beach has two pools plus guest quarters.
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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, Thomas Township, Tittabawassee Township, Freeland, Kochville, Zilwaukee, Carrollton, Shields, Swan Creek, Auburn, Williams Township, Midland Township, Frankenlust, Hemlock, Merrill, Bay City, Monitor Township, Bangor Township, Kawkawlin, Reese, Bridgeport, Frankenmuth

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