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
View Contact Information for Tim Ray, Realtor(r) serving Spokane, Mead and Spokane Valley, WA in Spokane                        County > Pop-Up Window
Click to Email Tim Ray, REALTOR(r) serving Spokane, Mead and Spokane Valley, WA in Spokane                        County
Login
Site Map
Tim Ray, REALTOR®, real estate agent and broker for Spokane, Mead and Spokane Valley Washington home listings, property and land for sale - NUMBER1EXPERT(tm)
20 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!


FREE Relo Package And Spokane Schools 2005 Report!
Moving your family to another town or state can be stressful - but it doesn't have to be! Click below to see how I can help you make a "Smooth Move"!
Find Out More >
View All Offers >


"Never more than a phone call away"
"Tim was never more than a phone call away, day or night, and he offered the experience and support we needed to make an intelligent home purchase."
Jamie and Crystal Queen
Read Quote >
View All Quotes >


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

Real Estate - Homes - NUMBER1EXPERTS Sell More!
Tim Ray is one of The Top Selling Real Estate Experts™
Find Out More >
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
* Your Name:
* Your Email Address:
Your Street Address:
City:
State:
Country:
Zip/Postal Code:
Phone:

About Your Move
When Are You Moving?
Where Are You Moving?

About Your Home Search
Your Price Range?
Number Of Bedrooms?
Number Of Bathrooms?
Home Size In Square Feet?

Loan Info
Anticipated Down Payment:
Desired Loan Amount:
Total Monthly Income:
Total Monthly Debt Payment:

Additional Info
Please Enter More Details,
Along With Any Comments,
Concerns, Or Questions:
Send Latest Listings: What is this?
Send Latest News: What is this?

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


Email Me With Confidence
Quick Response Guarantee >
I Guarantee Your Privacy >
Free & Without Obligation >


Real Estate Tips
About Appraisals >Fair Market Value

What is the best price for a piece of real estate? Mortgage lenders, appraisers, and real estate brokers use what is called the "fair market value" (FMV). FMV has been defined as "the price that a buyer is willing to pay and the seller is willing to accept, when both parties are knowledgeable about the property and neither is under any time pressure to buy or sell". Sounds great, but how is this price determined?

The starting point for determining a fair price may be an opinion of the value or "comparative market analysis". Such an analysis uses information on similar properties which are: 1) currently for sale, 2) already sold, or 3) expired properties (those which did not sell). Local, national and international trends and market conditions must also be evaluated.

By comparing similar properties in each of the three categories and the market conditions, appraisers, lenders and agents come very close to the maximum price that buyers would be willing to pay for a house.

See All Tips In The "About Appraisals" Category >
See Complete Library Of Hundreds Of Tips In 30+ Categories >

Real Estate Trivia
Q 
What land did the U.S. Government buy for $7.2 million?

A 
The U.S. bought all of Russian America (Alaska) from the Russian Czar in March 1867.
See More Real Estate Trivia >



Get My Latest Listings Before Anyone Else!
As soon as I list another home for sale, I'll email you. You'll know first.
Name:
Email:

HouseMaster Home Inspections
Before you buy a home, protect yourself with a guaranteed professional HouseMaster home inspection.
Find Out More >
View All Affiliates >


Get the Latest Real Estate News, Hot Off the Presses!
If you are buying or selling a home, you need my eNewsletter.
Name:
Email:



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

www.greatspokanehomes.com is brought to you by Tim Ray
NUMBER1EXPERT™ in real estate for Spokane, Mead and Spokane Valley, Washington, New Construction, and Residential Acreage

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




USA and Canada Real Estate - NUMBER1EXPERT
NUMBER1EXPERT™
© Best Image Marketing and/or its clients.
All rights reserved. All information deemed reliable but not guaranteed.



This Spokane, Mead and Spokane Valley Washington web site is brought to you by Tim Ray, REALTOR®















Return to Top >Spokane, Mead and Spokane Valley, New Construction, and Residential Acreage