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, REALTOR®, 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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"One of the wisest decisions I’ve ever made"
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Mortgage Prequalification: North Scottsdale, Silverleaf and DC Ranch Arizona home buying, real estate listings, and homes for sale in Maricopa County, AZ
Welcome > For Buyers > Mortgage Prequalification ...


Don't Go Shopping for a New Home Before You Know Exactly How Much You Can Spend! 

You might have an idea of the loan payment and mortgage you can afford. But will the bank feel otherwise? It's always best to pre-qualify for a mortgage so you know exactly how much a financial institution would be willing to lend you. 

In the pre-qualification process, you will find out: 

- Exactly how much home or land you can afford. 

- How much cash you will need for the down payment. 

- The minimum down payment, and advantages of higher down payments. 

- What the bank feels you can afford for a monthly payment. 

I help buyers pre-qualify for mortgages every day. Simply fill out the form below to get started. 

Remember: I will respect your privacy! I know this is your personal information, and I will not distribute it to anyone, other than to my preferred mortgage broker. This service is also provided free of charge, without any obligation on your part. It is part of my job as a top North Scottsdale, Silverleaf and DC Ranch real estate agent to offer services such as these. 

Once you fill out the form, I will quickly process your information and get right back to you! 

I can help you pre-qualify for your mortgage. It's my job! This is free and without obligation... 

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Real Estate Tips
Working With An Agent >Earning Your Loyalty

When you begin to search for a new home, you will probably encounter several real estate agents at open houses, through friends or from signs or advertisements. Each agent would like a commitment from you to work exclusively with him or her. Is this arrangement in your best interest or is it better to play the field?

There is a universal law that also pertains to real estate agents--you get back from a relationship what you put into it. If you are not convinced that one agent could possibly fill all your needs, you may be overlooking the positive aspects of a one-on-one relationship.

The first step is to find an agent whom you like and trust. Don't be afraid to discuss your reluctance to work with one agent exclusively, but be open to other viewpoints. You may be pleasantly surprised by the open communication that such an admission will establish right from the beginning! Making a commitment to work exclusively with an agent is part of the formula for success in real estate.

The strongest accountability is in the marketplace. A good reputation and referrals from happy clients are essential to a real estate agent's success!

See All Tips In The "Working With An Agent" Category >
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Real Estate Trivia
Q 
What famous antebellum mansion was known as the "Queen of Tennessee Plantations"?

A 
Belle Meade Plantation was a prosperous 5,400-acre thoroughbred horse farm in the mid 1800's. The Civil War Battle of Nashville was fought in its front yard.
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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
R.H. Nathan & Co LLC

8707 E Vista Bonita, Suite # 240
Scottsdale, AZ 85255
Phone: 480-629-8191
Home Office: 480-563-7496
Cell: 480-250-3850
Fax: 480-515-4462
Email: carolspencer@NUMBER1EXPERT.com

Carol was born and grew up in London, England. She worked in finance for over fifteen years, starting her career with Salomon Brothers 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 and her husband Don have three children; Eight year old twins James & Danielle and Six-year-old Charlotte.

ABRCRSeProEqual HousingMLSREALTOR




R.H. Nathan & Co LLC real estate and homes for sale in North Scottsdale, Silverleaf and DC Ranch Arizona
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