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"Carol, I just want to tell you and Jenny how much your assistance in selling my home was appreciated."
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Carol Spencer is one of The Top Selling Real Estate Experts™
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First Time Homebuyers: North Scottsdale, Silverleaf and DC Ranch Arizona home buying, real estate listings, and homes for sale in Maricopa County, AZ

Welcome > For Buyers > First Time Homebuyers ...

Buying Your First Home? Real Estate Agents Are Your Professional Guides. Make Sure You Choose a Top Expert.

You might be a bit afraid or intimidated by the whole process of buying your first home. As a top North Scottsdale, Silverleaf and DC Ranch real estate expert, it's my job to guide you, from beginning to end.

I will take the time to go through each and every step of the buying process. There are no dumb questions!

Together, we will consider:

- How much can you really afford?

- How to qualify for a mortgage.

- How much cash you should put down.

- How to buy a home with little or nothing down.

- What it takes to get approved for financing. What banks and other financial institutions are looking for.

- How much your payments will be.

- The tax advantages of buying.

- Is renting or buying better for you?

Tell me a bit about your situation below. I'll get right back to you. There is absolutely no charge, and I offer this to you with no strings attached.

New to the home buying process? Tell me your concerns. Ask me questions. It's my job to help! There's no obligation, and I promise to get back to you quickly...

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Closing or Settlement >Net Sheet for Sellers

When you consider what price you should accept when selling your home, there are two important factors that will influence your decision. The first factor is the basic sales price. The second, and more important, is the amount you will actually receive from the proceeds at the closing.

Your real estate agent will prepare a seller's "net sheet" showing what your expenses will be. This will aid you in determining who pays what and when. It can help you to focus on the details of the sale.

A seller's expenses will include brokerage fees, real estate settlement fees, title insurance fees and special assessments. In some cases the buyer may ask you to pay some of the loan fees. Local real estate taxes will be pro-rated for you and the buyer, and you may be asked to place funds in escrow for payment of your final water bill. Subtract your mortgage balance any home improvement loans and other liens against the property that will be paid at the closing to come up with your final figures.

Your real estate agent can go over all of these factors with you when you list your home for sale and again as offers come in.

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Q	Where will you find the world's largest indoor waterfall?
A	The lobby of the International Center in Detroit, Michigan has a waterfall of 114 feet, backed by 9,000 square feet of marble.
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Carol Spencer, REALTOR®, 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.

Temecula Real Estate, Property Management and Rentals

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