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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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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"!
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"Always looking out for our best interests."
"...We felt that you were always looking out for our best interests."
"Pastor John and Esther Liddell"
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 Compare three mortgages at one time.
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Special Offers: Special offers for Spokane, Mead and Spokane Valley
homeowners from Tim Ray, top Realtor |
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Affiliates: Tim Ray's real estate web site affiliates |
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eNewsletter: Tim Ray's Spokane, Mead and Spokane Valley newsletter email will send
you the latest real estate information |
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Today's Real Estate News: Daily real estate news for this neighborhood, Washington, and United
States |
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Market Conditions Report: Market conditions report for this area, Washington, and United
States |
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Monthly Payments & Schedule: Monthly loan payments java
mortgage calculator |
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How Much Can You Afford?: Calculate how much home
you can afford with this financial calculator |
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Determine Tax Savings: Calculate how much your
monthly Spokane, Mead and Spokane Valley Washington mortgage payments save you
on your taxes because of loan interest |
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Should You Rent or Buy?: Is it better to rent a
home in Washington or buy your own Spokane, Mead and Spokane Valley house,
ranch, luxury property, condominium, acreage, or other real
estate? |
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Adjustable Rate Mortgages: Adjustable rate Spokane,
Mead and Spokane Valley mortgages information and interest rate java
calculator |
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What Is Your APR?: Determine the Annual Percentage Rate (APR) for your mortgage. |
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Fixed or Adjustable Rate Mortgage?: Use this calculator to compare a fixed rate mortgage to two types of ARMs, a Fully Amortizing ARM and an Interest Only ARM. |
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Are Balloon Mortgages For You?: Balloon mortgage calculator. A balloon mortgage can be an excellent option for many home buyers. |
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15 vs. 30 Yr Mortgages: With a 15 year mortgage you will pay significantly less interest, but only if you can afford the higher monthly payment. Use this calculator to compare these two mortgage terms. |
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How Much Should Your Income Be?: What income is required to qualify for a mortgage? Use this calculator to find out. |
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What's Your Maximum Mortgage?:This calculator will help you determine your maximum monthly housing payment and the resulting mortgage amount. |
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Will Buying Points Save You Money?:This calculator helps you determine if you should pay for points, or use the money to increase your down payment. |
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TripleCalc: FREE Software Download: TripleCalc lets you compare three loans at
one time for your property or other Washington real estate |
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Top National Real Estate Web Sites: Real Estate Web Sites
that include some unique sources of realty information, listings, and
more |
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Ask Anything: Ask Tim Ray anything real estate |
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NUMBER1EXPERTS: List of all the NUMBER1EXPERT real estate agents and realty professionals and brokers in the USA and Canada with links to their personal web sites with homes for sale |
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Real Estate Tips: Tim Ray's realty library of real
estate tips and advice on everything from preparing your home for sale to
negotiating with home buyers to escrow, closing costs, property inspections,
and mortgage brokers |
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Real Estate Trivia: Tim Ray's collection of real estate trivia questions and answers that
include real estate topics such as the most expensive home, largest swimming
pool, and more |
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Real Estate Dictionary: Complete real estate
dictionary and glossary of realty words you'll use when you list and sell your
Spokane, Mead and Spokane Valley property in Washington, including legal terms
definitions, and more |
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First Time Buyers >The Seller May Pay
The costs of buying a home may be daunting. For example, you may have finally saved enough for a down payment on your first home, with a little left over to buy the furniture you will need. Then you hear about having to pay closing costs you weren't anticipating, and this may seem like a real setback.
One way to cover such a shortage is to make the sellers an offer that calls for them to credit you for some of the closing costs. As a rule, the sellers may pay a maximum of 3 percent of the sales price if the buyer is putting five percent down. If the buyer is making a down payment of 10 percent or more, the seller can contribute up to 6 percent of the sales price to cover the buyer's closing costs. Some items, such as prepaid taxes and the first month's mortgage payment, must be paid by the buyers. Sellers may also contribute to paying the appraisal, points, title insurance, settlement attorney fees, state or local transfer taxes and similar items.
Keep in mind that if the credit is included in the price of the house, the appraiser will have to justify the amount, based on sales prices of similar homes in the neighborhood.
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| Q |
What was the first territorial acquisition made by the U.S. Government?
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| A |
The Louisiana Purchase from France in 1803 for $15,000,000 increased U.S. national territory by 140%. |
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- NUMBER1EXPERT™ 
