North Scottsdale, Silverleaf and DC Ranch Arizona real estate listings, home buying, selling and relocation information

Find Out About the Latest Homes for Sale First!
I add my newest homes and other real estate listings to this web site first. It can be some time before they appear in the MLS.
Find Out More >
View All Offers >

"Carol was always positive,..."
"I highly recommend that you consider Carol to help you with your real estate needs."
Denise Lillian, DC Ranch
Read Quote >
View All Quotes >

Compare three mortgages at one time. Download TripleCalc now. It's free.

Find Out More >
Download Now >

Carol Spencer is one of The Top Selling Real Estate Experts™
Find Out More >

*Your Name:
*Your Email Address:
Send Latest Listings:
Send Latest News:
Your Message or Comments:

* Please note that fields marked with an asterisk are required.

Quick Response Guarantee >
I Guarantee Your Privacy >
Free & Without Obligation >

Financing Your Home >Early Loan Approval

Many lenders help prospective buyers get pre-approved for a mortgage loan before the buyers begin a serious house-hunting effort. If you are in this position, give the loan officer all of the information about your assets, income, and debts so they can tell you how much you will be able to borrow under the available loan options. The loan officer will do a credit check and work with the lender to straighten out any problems with your credit rating.

Pre-approval from a lender can make you more attractive to the seller when you find the home you want. Multiple offers sometimes come in on a house, and you may find yourself competing with other buyers. In that case, it is helpful if you have included a letter from the lender with your offer stating that you have an approved loan and are, indeed, qualified to buy. This will also save you time by eliminating from consideration any homes that you would not be able to afford.

	See All Tips In The "Financing Your Home" Category >
	See Complete Library Of Hundreds Of Tips In 30+ Categories >

Q	What was a sure way to accumulate wealth through the 1970s and early 1980s?
A	Many people made their fortunes in real estate during this period.
See More Real Estate Trivia >

See the nation's top rated reports for Schools in North Scottsdale, Silverleaf and DC Ranch >

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.

Temecula Real Estate, Property Management and Rentals

www.CarolSpencerHomes.com is brought to you by Carol Spencer
NUMBER1EXPERT™ in real estate for North Scottsdale, Silverleaf and DC Ranch, Arizona, Luxury Estates, Golf Communities

Read My Privacy Guarantee, Terms of Service, and Free & Without Obligation Pledge