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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Resources: North Scottsdale, Silverleaf and DC Ranch Arizona home buying, real estate listings, and homes for sale in Maricopa County, AZ
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Special Offers: Special offers for North Scottsdale, Silverleaf and DC Ranch homeowners from Carol Spencer, top Realtor
Affiliates: Carol Spencer's real estate web site affiliates
eNewsletter: Carol Spencer's North Scottsdale, Silverleaf and DC Ranch newsletter email will send you the latest real estate information
Today's Real Estate News: Daily real estate news for this neighborhood, Arizona, and United States
Market Conditions Report: Market conditions report for this area, Arizona, 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 North Scottsdale, Silverleaf and DC Ranch Arizona mortgage payments save you on your taxes because of loan interest
Should You Rent or Buy?: Is it better to rent a home in Arizona or buy your own North Scottsdale, Silverleaf and DC Ranch house, ranch, luxury property, condominium, acreage, or other real estate?
Adjustable Rate Mortgages: Adjustable rate North Scottsdale, Silverleaf and DC Ranch 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 Arizona 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 Carol Spencer 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: Carol Spencer'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: Carol Spencer'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 North Scottsdale, Silverleaf and DC Ranch property in Arizona, including legal terms definitions, and more

 

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Real Estate Tips
First Time Buyers >The Rewards of Home Ownership

People buy a home for a lot of different reasons. They may want to put down roots in a community and create a sense of stability in their lives. Then there are the financial considerations and the "forced" savings that builds up in the form of equity. In addition, the monthly cost of owning a house is usually much more stable and predictable than renting.

If you are considering the possibility of purchasing a home, contact a knowledgeable real estate agent in your community. An important part of our job is to educate prospective buyers about the potential benefits and responsibilities of renting versus owning a home. We can help you determine your purchasing power and show you the best homes in your price range. We can also give you a side-by-side comparison of the costs of owning a home compared with what you pay for rent. When you fix up your home to suit your needs and taste, you benefit from the added value of the improvements instead of the landlord!

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Real Estate Trivia
Q 
What building has been named the 21st Century Townhouse project?

A 
4 townhouse in Bowie, MD made of giant foam/board panels, concrete/styrofoam block frames, steel, and aerated concrete.
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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

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: Carol@CarolSpencer.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 has three three children; Thirteen year old twins James & Danielle and Ten-year-old Charlotte.

ABR CRS ePro Equal Housing MLS REALTOR




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