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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Relocating?: North Scottsdale, Silverleaf and DC Ranch Arizona home buying, real estate listings, and homes for sale in Maricopa County, AZ
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Request My Free Relocation Package. Don't Move To North Scottsdale, Silverleaf and DC Ranch Without It! 

Moving your family to another town or state is a major event in your life! I have helped many families and individuals relocate to and from the North Scottsdale, Silverleaf and DC Ranch, Arizona area. 

If you will be moving to the North Scottsdale, Silverleaf and DC Ranch area, we can correspond by email and phone. Together, we'll determine what type of home, price range, and neighborhoods you are interested in. I'll send you every home or property that is currently available that matches your criteria. 

When you visit, I'll be ready! We will visit the North Scottsdale, Silverleaf and DC Ranch neighborhoods and homes that interest you the most. 

In addition, we can talk about schools, sub-divisions, local market conditions, local culture... anything that is important to you. 

Remember: As a top North Scottsdale, Silverleaf and DC Ranch real estate agent, it's my job to know this area inside and out, and I want to make your transition as smooth as possible. 

To get started, fill out the form to request my FREE North Scottsdale, Silverleaf and DC Ranch, Arizona Relocation Package. I'll send it right out. It's full of useful and important information about this area. You are under no obligation, so you can't go wrong... 

Are you new to the area? Request my FREE package of North Scottsdale, Silverleaf and DC Ranch relocation information. It's my job to help! There's no obligation, and I promise to respond quickly... 

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Real Estate Tips
Self Employed >No Problem

There is no doubt about the fact that it could be more difficult for you to get a mortgage loan if you are a free lance viola player than if you are a government accountant. Traditionally, lenders have been more cautious when evaluating loan applications from buyers who are self-employed than from those who work for a regular salary.

If you are self-employed, there is no reason for you to shy away from applying for a home mortgage loan, especially if your earnings have been in the same field for at least two years. Before you begin your search for a house, it is a good idea to meet with an agent of your choice who will be happy to accompany you as you meet with one or more loan officers. They will probably want to analyze your tax returns for the past 2 or 3 years. Because people who are self-employed can write off many expenses that salaried individuals cannot, it is possible that self-employed individuals may look impoverished on paper. Try to get pre-approval from the lender, and ask for a letter to that effect which the real estate agent can attach to any offer you submit on a home. This will make you look more attractive to the sellers.

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Real Estate Trivia
Q 
In what area of the United States did the price of existing homes increase most dramatically in 2005?

A 
Phoenix, Arizona real estate recorded a 55.2 percent increase in home prices during 2005.
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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
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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