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Special Offers - Special offers for Saginaw, Midland and Bay City homeowners from Ray Spitler.
Affiliates - Ray Spitler's real estate web site affiliates.
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Today's Real Estate News - Daily real estate news for this neighborhood, Michigan, and United States.
Market Conditions Report - Market conditions report for this area, Michigan, and United States.
Monthly Payments & Schedule - Monthly loan payments java mortgage calculator.
How Much Can You Afford? - Calculate how much home you can afford with this financial calculator.
Determine Tax Savings - Calculate how much your monthly Saginaw, Midland and Bay City, Michigan mortgage payments save you on your taxes because of loan interest.
Should You Rent or Buy? - Is it better to rent a home in Michigan or buy your own Saginaw, Midland and Bay City house, ranch, luxury property, condominium, acreage, or other real estate?
Adjustable Rate Mortgages - Adjustable rate Saginaw, Midland and Bay City mortgages information and interest rate java calculator.
What Is Your APR? - Determine the Annual Percentage Rate (APR) for your mortgage.
Fixed or Adjustable Rate Mortgage? - Use this calculator to compare a fixed rate mortgage to two types of ARMs, a Fully Amortizing ARM and an Interest Only ARM.
Are Balloon Mortgages For You? - Balloon mortgage calculator. A balloon mortgage can be an excellent option for many home buyers.
15 vs. 30 Yr Mortgages - With a 15 year mortgage you will pay significantly less interest, but only if you can afford the higher monthly payment. Use this calculator to compare these two mortgage terms.
How Much Should Your Income Be? - What income is required to qualify for a mortgage? Use this calculator to find out.
What's Your Maximum Mortgage? - This calculator will help you determine your maximum monthly housing payment and the resulting mortgage amount.
Will Buying Points Save You Money? - This calculator helps you determine if you should pay for points, or use the money to increase your down payment.
TripleCalc - FREE Software Download: TripleCalc lets you compare three loans at one time for your property or other Michigan real estate.
Top National Real Estate Web Sites - Real Estate Web Sites that include some unique sources of realty information, listings, and more.
Ask Anything - Ask Ray Spitler anything real estate.
NUMBER1EXPERTS™ - List of all the NUMBER1EXPERT™ real estate agents and realty professionals and brokers in the USA and Canada with links to their personal web sites with homes for sale.
Real Estate Tips - Ray Spitler's realty library of real estate tips and advice on everything from preparing your home for sale to negotiating with home buyers to escrow, closing costs, property inspections, and mortgage brokers.
Real Estate Trivia - Ray Spitler's collection of real estate trivia questions and answers that include real estate topics such as the most expensive home, largest swimming pool, and more.
Real Estate Dictionary - Complete real estate dictionary and glossary of realty words you'll use when you list and sell your Saginaw, Midland and Bay City property in Michigan, including legal terms definitions, and more.
Go to Main Sitemap - Main sitemap sections include Find Saginaw, Midland and Bay City Homes, For Home Buyers, For Home Sellers, Saginaw, Midland and Bay City Information, Real Estate Resources, and About Ray Spitler.

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Financing Your Home >Mortgage Fears
It is not unusual for home buyers to feel that the lender is being very critical during the loan approval process. The buyer is required to provide all kinds of financial information, and then the lender asks for more. If this is your experience, and the process seems discouraging, remember that none of this is personal!
Some lenders have more stringent requirements than others, but every lender requires a substantial amount of documentation on a mortgage loan. They must verify employment, credit history, and recent financial transactions involving your liquid assets. If your Visa payment was late, they may ask for a letter explaining why. If you are self-employed, they will ask for tax returns from at least three years and probably a year-to-date profit and loss statement.
Government regulations require mortgage companies to document everything. And while the loan officer may know that you are a reliable risk, the underwriters must be able to defend the loan to a federal bank examiner or auditor.
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Upon completion this year, what will be the tallest residential building south of New York and east of Chicago?
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Located in Biscayne Bay, Florida, the $120 million, 51-floor luxury condominium will be called The Santa Maria. |
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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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