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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"Three days later we received an offer"
"Thanks to Carol, we are now in our dream home and I would recommend Carol to anyone trying to buy or sell a home."
Brian and Beth, Scottsdale, Arizona
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Real Estate - Homes - NUMBER1EXPERTS Sell More!
Carol Spencer is one of The Top Selling Real Estate Experts™
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Testimonials: North Scottsdale, Silverleaf and DC Ranch Arizona home buying, real estate listings, and homes for sale in Maricopa County, AZ
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Read What People Are Saying About Me 

I always ask my clients to write or email me, and tell me truthfully how they appreciated my service to them. Their feedback is so important! Here are a few highlights of what people are saying about me... 

"Carol was always positive,..."
"I highly recommend that you consider Carol to help you with your real estate needs."

Denise Lillian, DC Ranch
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"One of the wisest decisions I’ve ever made"
"Carol, I just want to tell you and Jenny how much your assistance in selling my home was appreciated."

Pam
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"Outstanding job"
"You immediately started marketing our house and it sold in eight days, when similar homes in our neighborhood were taking months."

Cheryl Fay
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"Three days later we received an offer"
"Thanks to Carol, we are now in our dream home and I would recommend Carol to anyone trying to buy or sell a home."

Brian and Beth, Scottsdale, Arizona
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Real Estate Tips
Financing Your Home >Your Financial Cushion

When you calculate how much you will need to purchase a home you will add up the down payment and closing costs. It is also a good idea to leave yourself with some financial cushion to cover the incidental expenses associated with moving.

First, you will have to pay the moving company unless you can find friends with strong backs who will help you. Then many buyers plan to do some work, such as painting, replacing carpet, or refinishing floors. If you are moving into a larger space, you may find yourself making some major furniture purchases within a few months of closing.

A financial cushion is important enough that some lenders require buyers to have an amount in the bank equivalent to two or three months mortgage payments. This is especially true for buyers who are putting less than ten percent down. Your real estate agent can give you guidance. A lot depends on your overall financial situation. If your mortgage is a relatively low percentage of your monthly income, you will be able to rebuild a comfortable amount of savings in a few months.

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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, 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

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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