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!


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.
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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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Real Estate - Homes - NUMBER1EXPERTS Sell More!
Tim Ray is one of The Top Selling Real Estate Experts™
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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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About Your Move
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About Your Home Search
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Number Of Bathrooms?
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Loan Info
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Real Estate Tips
Closing or Settlement >Real Estate Repairs

In most real estate transactions there are a few responsibilities that the sellers need to handle before the closing, such as repairs and termite extermination. The deadline for completing these obligations usually coincides with the actual closing. Many sellers barely make that deadline. Those who wait until the last minute to handle these matters may miss the deadline altogether or pay high rates in order to get a plumber, roofer or electrician on an emergency basis.

Your buyers will probably get a structural inspection done after the contract is ratified. Within 10 days of the contract's acceptance by all parties, the pest inspection should be scheduled. Even though sellers usually know well in advance what is needed, they sometimes put things off until the buyers have finalized the loan approval process. Since these repairs will have to be made anyway, it is a good idea to get them done promptly.

See All Tips In The "Closing or Settlement" Category >
See Complete Library Of Hundreds Of Tips In 30+ Categories >

Real Estate Trivia
Q 
Which hazardous substance is contained in sixty-four million houses and apartments?

A 
HUD estimates that 64 million homes and apartments built before 1978 contain lead-based paint.
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Get My Latest Listings Before Anyone Else!
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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