Spokane, Mead and Spokane Valley Washington real estate listings, home buying, selling and relocation information

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!

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Before signing a contract with any Realtor, make sure you know EXACTLY how and where your home will be marketed.
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"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."
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Compare three mortgages at one time. Download TripleCalc now. It's free.

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Tim Ray is one of The Top Selling Real Estate Experts™
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Welcome > For Buyers > The Daily Hotsheet ...

Welcome to “The Daily Hotsheet” Signup!

Finally…you can not only receive email updates of new listings, but you can actually search the Spokane MLS yourself! This fabulous password protected system allows you to search for homes, add properties to your “notebook”, track the status of properties, get driving directions, and even map each property using Google Earth with just a click! You will have addresses, prices, pictures, and all of the Realtor comments. This is the most advanced home search tool available for the consumer. To take advantage of The Daily Hotsheet today!

Just enter your search criteria in the boxes below. For “Area”, write down any specific areas that interest you. You can be as vague as “Spokane County” or Spokane Valley”, or as specific as “5 Mile”, “Lincoln Heights”, “Within 20 minutes of FAFB” or “Mead School District.” I will enter the correct MLS grids for you. It’s that simple!

Please note that all fields marked with an asterisk*** are mandatory and must be completed before you receive your password and full access to the system.

* Name:
* Street Address:
* City:
* State:
* Zip Code:
* Daytime Phone:
* Your Email Address:

Price Range:
Min. Bedrooms:
Min. Bathrooms:
Approx. Size In Square Feet:
Style:
Garage Spaces:
School Districts:
	Additional Info
Wish List:
Areas:
Send Latest Listings:
Send Latest News:

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

That’s it! Now just hit “Send To Me”! As soon as your information is verified, you will receive your password and your first automatic search within 24 hours, and you may then begin searching for your next home yourself. Happy house hunting!

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Financing Your Home >Mortgage Terms

New mortgage loan products offer a more complex selection of terms. Lenders now offer mortgages that are blends of short-term ARMs and 30-year fixed-rate loans with a lower fixed-rate of interest for a period of five, seven or ten years. Be sure that you understand what happens at the end of the initial term before you sign on the dotted line for such a loan.

Many of these loans revert to a 1-year adjustable rate loan at the end of the initial term and can be adjusted once a year based on an index tied to the cost of money. You should know how much over the index your rate will be set and the limit or cap on how much your payments can increase. A "balloon" note requires the entire balance to be paid to the lender after the initial period of the loan ends. Most of these loans require the lender to guarantee to refinance the note at that point if payments have been timely. The lender should spell out how the re-finance rate will be determined and what costs will be involved. These loans can help you buy a more expensive house than you could afford with a 30-year fixed rate mortgage, but be sure that you understand the terms and the potential risks.

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Q	What is considered to be one of the soundest long-term investments?
A	Real estate has a long-term record of strong investment return and is a driving force of the national economy.
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HouseMaster Home Inspections
Before you buy a home, protect yourself with a guaranteed professional HouseMaster home inspection.
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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.

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NUMBER1EXPERT™ in real estate for Spokane, Mead and Spokane Valley, Washington, New Construction, and Residential Acreage

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