North Scottsdale, Silverleaf and DC Ranch real estate and homes for sale in Arizona, Luxury Estates, Golf Communities - Carol Spencer, REALTOR® Carol Spencer REALTOR(r) for North Scottsdale, Silverleaf and DC Ranch, Arizona real estate, Luxury Estates, Golf Communities - NUMBER1EXPERT™ Carol Spencer NUMBER1EXPERT(tm) for North Scottsdale, Silverleaf and DC Ranch, Arizona real estate, Luxury Estates, Golf Communities

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Carol Spencer, REALTORŪ, real estate agent and broker for North Scottsdale, Silverleaf and DC Ranch Arizona home listings, property and land for sale - NUMBER1EXPERT(tm)









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Real Estate Tips
Financing Your Home >Shopping for the Best

The most important thing to look for when you are shopping for a mortgage is the interest rate, right? Not necessarily. There are many other factors to consider, including the lender's charges for making the loan, the terms under which the loan will be approved, and the lender's reputation for timely completion of loan applications to meet purchase agreement deadlines.

When real estate agents are involved in sales transactions, they don't tell buyers which mortgage companies to use. They can provide the names of established lenders who have provided good service to their customers. They can give general information about the different mortgage options that are available today. Using a low interest rate as the main criteria for choosing a mortgage could cost you money--and perhaps the home you want--if the company cannot deliver on its promises.

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Real Estate Trivia
Q 
What are the world's most valuable chairs?

A 
A pair of Chippendale chairs designed by Robert Adam sold in 1997 at Christie's, London to an anonymous buyer for $2,762,330.
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Carol Spencer, REALTORŪ, real estate agent and broker for North Scottsdale, Silverleaf and DC Ranch Arizona home listings, property and land for sale - NUMBER1EXPERT(tm)

Carol Spencer
Russ Lyon Sothebys

17207 N Perimeter Drive, Suite 120
Scottsdale, AZ 85255
Direct Phone: 480-250 3850
Office: 480-502 3500
Office fax: 480-502 3535
E- Fax: 480-368 2543
Email: Carol@CarolSpencer.com

Carol was born and raised in London, England. She worked in finance for over fifteen years, starting her career with Salomon Brothers International in London where she worked on the trading floor for five years. Carol then moved to New York City in 1986 and worked the next ten years as a capital markets broker for Tullett-Liberty Inc. She enjoyed a long and successful career brokering money market instruments, foreign exchange and interest rate derivatives. The last five years at Tullett and Tokyo, Carol managed the medium term interest rate swap desk with a team of fifteen brokers and support staff. All the experience Carol gained on the trading floor and working with her team, contributes immensely to her ability to guide homeowners through the financial and emotional process of buying and selling their homes while at the same time utilizing her negotiating skills to benefit her clients. Carol has three three children; Fourteen year old twins James & Danielle and Twelve-year-old Charlotte.

CDPE CRS ePro ABR RELO REALTOR MLS Equal Housing




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