Read What People Are Saying About Me I always ask my clients to write or email me, and tell me truthfully how they appreciated my service to them. Their feedback is so important! Here are a few highlights of what people are saying about me...
"Ray, I just wanted to say thanks,"
"You have made a major impact on my life, and in turn have really mad a huge difference in the lives of 3 little girls"
Steve R.- Saginaw MI
You have a story to tell about me. You've worked with me, and I've helped you buy or sell a home. I need your feedback. Others need your feedback, too! Please take a moment to fill out this form and tell me how I did... 
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First Time Buyers >The Perfect House Home buyers must often deal with deferred maintenance or repairs. For example, you may have found a terrific house and like many competent home buyers, you included a structural inspection contingency in your purchase agreement. What happens when you find out that your "perfect" house needs some work? Do you ask the sellers to pay for the repairs? Before you answer "yes", there are some important considerations.
Some contracts require that all of the home's systems, such as plumbing, heating, electrical and central air conditioning, be in working order. In this case, the sellers may be obligated to repair any problems with these systems. Leaky roofs, damp basements, or other structural problems may not be covered, however. If you ask the sellers to make these types of repairs, you may void the contract by doing so. The sellers might prefer to negotiate the repairs to keep from losing the sale. If there are other buyers waiting in the wings with back-up contracts, you run the risk of losing the home.
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What is a "jumbo mortgage"?
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| A |
The term "jumbo mortgage" currently refers to a mortgage loan in excess of $359,650, although the threshold amount may change as the market fluctuates. |
 See More Real Estate Trivia > |
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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  
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