Spokane, Mead and Spokane Valley real estate and homes for sale in Washington, New Construction, and Residential Acreage - Tim Ray, REALTOR® Tim Ray REALTOR(r) for Spokane, Mead and Spokane Valley, Washington real estate, New Construction, and Residential Acreage - NUMBER1EXPERT™ Tim Ray NUMBER1EXPERT(tm) for Spokane, Mead and Spokane Valley, Washington real estate, New Construction, and Residential Acreage
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Tim Ray, REALTOR®, real estate agent and broker for Spokane, Mead and Spokane Valley Washington home listings, property and land for sale - NUMBER1EXPERT(tm)
22+ Years Experience. Over $75,000,000 In Homes Sold. Top 3% Of All Realtors.... Experience. Integrity. Results. Call me Toll Free at 800.711.3965!


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"Listened to our needs and wants."
Tim was willing to listen to our needs and wants and respond accordingly."
"Paul and Carri Fisher"
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Mortgage Prequalification: Spokane, Mead and Spokane Valley Washington home buying, real estate listings, and homes for sale in Spokane                        County, WA
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 Spokane, Mead and Spokane Valley Realtor to offer services such as these. 

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

About You
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Real Estate Tips
Time to Move >Empty Nests

When their last child is married or graduates from college, many couples feel the urge to give up yard work, sell their homes, and become sophisticated city dwellers. They may consider a condominium or a home near theaters, restaurants, museums and other in-town excitement.
Although city living has many rewards, this type of move represents a major change in lifestyle. You will be relieved of a lot of maintenance chores, and you will be close to many activities that not available in the suburbs. However, some things that you take for granted, like a parking place, may not be readily available in a city!

Before you make a commitment to a condominium, talk to the people who live there. Like suburban developments, town house and condo developments often have covenants and owners' association restrictions which limit what you can do with your home. A professional real estate agent can get you the answers to any questions you may have about this important move.

See All Tips In The "Time to Move" Category >
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Real Estate Trivia
Q 
What house is considered to be the first house with running water in America?

A 
John Headly's home built in Newport, RI in 1723, was equipped with an underground pipe from the nearby spring.
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As soon as I list another home for sale, I'll email you. You'll know first.
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Shaun Flanigan/MetLife Home Loans
Tim Ray and The Specialist Group recommend Shaun Flanigan at MetLife Home Loans for all of your home loan and mortgage needs!
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Tim Ray, REALTOR®, real estate agent and broker for Spokane, Mead and Spokane Valley Washington home listings, property and land for sale - NUMBER1EXPERT(tm)

Tim Ray
John L. Scott Spokane Citywide

1500 West 4th Avenue
Suite 202
Spokane, WA 99204
Toll Free: 800.711.3965
Direct Office: 509.444.9400
Fax: 509.238.3189
tim@greatspokanehomes.com

Tim Ray, a lifetime Spokane resident, has been one of the top real estate professionals in the area since 1988 and is truly Spokane’s Premier Number One Expert. Tim has consistently been a top producer who focuses on providing the best personal service available in his market. His outstanding Buyer Services include the finest Spokane Relocation Package available, the exclusive 42 page Spokane Schools 2007 Report, The Daily Hotsheet (an automated daily e-mail with every new listing that meets his clients needs), and the spectacular F.S.B.O. (For Serious Buyers Only) Program that allows his clients to do their own MLS searches. For Sellers, Tim has assembled an incredible marketing program that includes 4 page full color brochures, full color direct mail campaigns, all full color magazine advertising in 3 different magazines, 5 different virtual tours with exposure on over 15 websites, and much more! His efforts have more than paid off. He has finished the year in the Top Ten for Sales Side Volume 4 times in the Spokane Association of Realtors (out of over 1200 agents) and is consistently in the Top 3% of all Realtors. For the most personal, innovative marketing and sales services in the Inland Empire, call Tim Ray and The Specialist Group Toll Free at 800-711-3965.

ABREqual HousingMLSREALTORRELO


John L. Scott Spokane Citywide real estate and homes for sale in Spokane, Mead and Spokane Valley Washington

John L. Scott Spokane Citywide real estate and homes for sale in Spokane, Mead and Spokane Valley Washington

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