Ray's Blog

Lowered Price on this Wonderful Sanford Lake Home near Saginaw

Ray Spitler, GRI, e-Pro (Keller Williams Realty) — Mon, 08 Jun 2009 08:59:50 -0500

Price Drop on this Country Home near Saginaw

Ray Spitler, GRI, e-Pro (Keller Williams Realty) — Fri, 05 Jun 2009 08:34:19 -0500

Ray Spitler | Keller Williams Realty | (989)737-8042

5864 McGrandy, Bridgeport, MI

Charming home situated on a large fenced country lot.

3BR/1BA Single Family House

offered at $79,900

Year Built	1960
Sq Footage	1,368
Bedrooms	3
Bathrooms	1 full, 0 partial
Floors	1
Parking	1 Covered spaces
Lot Size	.35 acres
HOA/Maint	$0 per month

DESCRIPTION

A charming home situated on a large fenced country lot just down the road from Frankenmuth! 13 x 14 Heated Florida Room, Central Air, Open floor plan, extra large family room with a wood-burning stove, new flooring, updated kitchen with oak cabinets. Hardwood floors under carpet. New roof in 04, newer sump pump and water heater, 12 x 16 shed, and carport could easily be converted to garage. Huge covered porch in back to enjoy the country privacy. Great price for this home and location!

see additional photos below

PROPERTY FEATURES

Central A/C	Central heat	Family room
Living room	Dining room	Dishwasher
Laundry area - inside	Balcony, Deck, or Patio	Yard

ADDITIONAL PHOTOS

Photo 1	Photo 2
Photo 3	Photo 4
Photo 5	Photo 6

Contact info:

Ray Spitler

Keller Williams Realty

(989)737-8042

For sale by agent/broker

Equal Opportunity Housing

Posted: Jun 5, 2009, 5:29am PDT

Tucked Away in the Woods near Saginaw, MI

Ray Spitler, GRI, e-Pro (Keller Williams Realty) — Wed, 03 Jun 2009 07:59:12 -0500

Price Drop on this Charming Cottage in Saginaw! Short Sale!

Ray Spitler, GRI, e-Pro (Keller Williams Realty) — Fri, 15 May 2009 15:50:53 -0500

Great Investment Income Potential!

Ray Spitler, GRI, e-Pro (Keller Williams Realty) — Sun, 15 Feb 2009 00:32:24 -0600

This is an attractive duplex with great rental income!

3037 N Center, Saginaw, MI 48603

LAND CONTRACT AVAILABLE on this very nice duplex in prime Saginaw Township location. Walk to school, Saginaw Courts and the Library. Great rental history, Tenants pay all utilities. Priced well below SEV to sell now. Leases flexible if buyer to occupy.

Both units have 2 bedrooms, 1 bath, central air, private decks, 1-car attached garage, and 993 sq feet of living space. All for just $110,000!

This would make a great steady rental income or a nice home for you with the second unit paying part of your mortgage! Give me a call today before this duplex is sold!

Call: Ray Spitler,
GRI, e-Pro
Keller Williams Realty
(989) 737-8042
MBShomes.com

Serving Midland, Bay & Saginaw County Michigan.

Spacious Country Home--Bargain Priced--Bay City

Ray Spitler, GRI, e-Pro (Keller Williams Realty) — Mon, 02 Mar 2009 08:22:02 -0600

Ray Spitler | Keller Williams Realty | (989)737-8042

3815 Monitor, Bay City, MI

Spacious Country Home--Bargain Priced!

5BR/2BA Single Family House

offered at $139,900

Year Built	1900
Sq Footage	2,400
Bedrooms	5
Bathrooms	2 full, 0 partial
Floors	2
Parking	4+ Car garage
Lot Size	.80 acres
HOA/Maint	$0 per month

DESCRIPTION

Spacious Country Home, Handicap ramp to Mother-in-law suite, custom oak cabinets, Large open living area, sun room, 24x54 heated Pole Bldg, Professional landscaped garden yard, large deck. Bargain priced. All terms & conditions subject to 3rd party approval, must sell!

see additional photos below

PROPERTY FEATURES

Central heat	Family room	Living room
Basement	Laundry area - inside	Balcony, Deck, or Patio
Yard

OTHER SPECIAL FEATURES

Handicap Ramp to Mother-in-Law Suite

24x54 Heated Pole Bldg with Garage Door Opener

ADDITIONAL PHOTOS

3815 Monitor	Handicap Ramp
Deck	Large Yard
24x54 Heated Pole Bldg	24x54 heated Pole Bldg

Contact info:

Ray Spitler

Keller Williams Realty

(989)737-8042

For sale by agent/broker

Equal Opportunity Housing

Posted: Mar 2, 2009, 6:07am PST

Open House--Fine Lakefront Living!

Ray Spitler, GRI, e-Pro (Keller Williams Realty) — Mon, 02 Mar 2009 09:47:53 -0600

Ray Spitler | Keller Williams Realty | (989)737-8042

3212 N Lakeside, Sanford, MI

OPEN HOUSE, SUNDAY MAR 15, 2:00 - 4:00PM Experience FINE LAKEFRONT LIVING

3BR/2.5BA Single Family House

offered at $350,000

Year Built	1970
Sq Footage	2,664
Bedrooms	3
Bathrooms	2 full, 1 partial
Floors	2
Parking	3 Car garage
Lot Size	11,250 sqft
HOA/Maint	$0 per month

DESCRIPTION

OPEN HOUSE, SUNDAY MAR 15, 2:00 - 4:00PM
Experience FINE LAKEFRONT LIVING. Completely updated, stunning lake views from every room. Lots of natural lighting floods this home, with 2-story window and skylights. Open “airy” floorplan maximizes on views of water and light. Updated kitchen is open to the family room and gorgeous cut-stone fireplace. Very nice Master Suite with his & hers vanities, tile shower and walk-out to deck overlooking the lake, private yard, and gardens. Fresh & Neutral Decor. Screened Porch. The 3rd car addition to garage is heated & air conditioned. Plenty of "elbow room" is added bonus! Nothing to do but move in. Call today for your private tour.

see additional photos below

PROPERTY FEATURES

Central A/C	Central heat	Fireplace
High/Vaulted ceiling	Family room	Living room
Office/Den	Dining room	Dishwasher
Refrigerator	Stove/Oven	Microwave
Basement	Washer	Dryer
Laundry area - inside	Balcony, Deck, or Patio	Yard

COMMUNITY FEATURES

Lake

ADDITIONAL PHOTOS

View of House from Lake	Front of House
Sunrise View!	Lot's of Light
Updated Kitchen	Master Bedroom Suite

Contact info:

Ray Spitler

Keller Williams Realty

(989)737-8042

For sale by agent/broker

Equal Opportunity Housing

Posted: Mar 2, 2009, 7:30am PST

Price Reduced on this Cozy 3 Bdrm

Ray Spitler, GRI, e-Pro (Keller Williams Realty) — Mon, 02 Mar 2009 21:57:34 -0600

Ray Spitler | Keller Williams Realty | (989)737-8042

411 S. Jackson, Saginaw, MI

Price Reduced on this Short Sale in Bay City

3BR/1.5BA Single Family House

offered at $39,900

Year Built	1910
Sq Footage	838
Bedrooms	3
Bathrooms	1 full, 1 partial
Floors	2
Parking	1 Car garage
Lot Size	.09 acres
HOA/Maint	$0 per month

DESCRIPTION

Short Sale- Many updates, new drywall, newer windows, vinyl siding, front porch & bath. Updated eat-in kitchen, fenced yard, 2 pc bath in usable basement. Previously sold in 2002 for $72,900. Taxes shown are non-homestead. Priced for quick sale. Contact Agent for Addenda prior to submitting offers, pre-approval letter required w/offer.

see additional photos below

PROPERTY FEATURES

Central heat

Living room

ADDITIONAL PHOTOS

Front in Winter	Kitchen
Living Room	Front in Summer

Contact info:

Ray Spitler

Keller Williams Realty

(989)737-8042

For sale by agent/broker

Equal Opportunity Housing

Posted: Mar 2, 2009, 7:09pm PST

Luxury Living--5 Bedrooms in Saginaw

Ray Spitler, GRI, e-Pro (Keller Williams Realty) — Mon, 04 May 2009 09:16:54 -0500

Ray Spitler | Keller Williams Realty | (989)737-8042

4414 Brookstone, Saginaw, MI

A luxury lifestyle awaits you in one of Saginaw's most prestigious
neighborhoods.

5BR/4.5BA Single Family House

offered at $389,500

Year Built	2002
Sq Footage	2,590
Bedrooms	5
Bathrooms	4 full, 1 partial
Floors	1
Parking	Unspecified
Lot Size	1 acres
HOA/Maint	$0 per month

DESCRIPTION

A luxury lifestyle awaits you in one of Saginaw's most prestigious neighborhoods. Breathtaking kitchen with Granite counters and full granite backsplash. Convenient breakfast nook plus formal dining. Great room with fireplace. Generous Master Suite and Master bath with Jacuzzi and huge walk-in closet ! Jack & Jill bath for the kids (or guest) wing. Custom tempered windows with designer treatments. The beautifully finished lower level would make an excellent in-law/guest suite plus family room & rec room for 4170 sq ft of total living space. Call for your tour to see the rest of the finer details. You will love it!

see additional photos below

PROPERTY FEATURES

Central A/C	Central heat	Fireplace
High/Vaulted ceiling	Family room	Living room
Bonus/Rec room	Dining room	Breakfast nook
Dishwasher	Refrigerator	Stove/Oven
Microwave	Granite countertop	Basement
Laundry area - inside	Yard	Jacuzzi/Whirlpool

ADDITIONAL PHOTOS

Photo 1	Photo 2
Photo 3	Photo 4
Photo 5	Photo 6

Contact info:

Ray Spitler

Keller Williams Realty

(989)737-8042

For sale by agent/broker

Equal Opportunity Housing

Posted: May 4, 2009, 6:04am PDT

Reduced Price on this home with 4 acres in Midland, MI!

Ray Spitler, GRI, e-Pro (Keller Williams Realty) — Tue, 12 May 2009 23:01:39 -0500

Ray Spitler | Keller Williams Realty | (989)737-8042

1957 Nature Ln, Saginaw, MI

Just Reduced! Nature Lover's Dream!

3BR/1.5BA Single Family House

offered at $109,900

Year Built	1996
Sq Footage	2,048
Bedrooms	3
Bathrooms	1 full, 1 partial
Floors	2
Parking	Unspecified
Lot Size	4 acres
HOA/Maint	$0 per month

DESCRIPTION

Attention Nature lovers & hunters! Want privacy? This is NOT A DRIVE BY! You must see inside this unique home that is tucked away in the trees and secluded on 4+ heavily wooded acres. When the leaves are full, it will be completely hidden from the road. 32x32 pole barn is attached to the home. Generous sized rooms, 2nd level deck, patio, first floor laundry, radiant heat on first level, maintenance free! Priced to sell quickly.

see additional photos below

PROPERTY FEATURES

Family room	Living room	Dishwasher
Refrigerator	Stove/Oven	Laundry area - inside
Balcony, Deck, or Patio	Yard

OTHER SPECIAL FEATURES

Thickly Wooded

ADDITIONAL PHOTOS

Nature Lover's Dream	Living Room
Kitchen	Bedroom
Garage	Privacy

Contact info:

Ray Spitler

Keller Williams Realty

(989)737-8042

For sale by agent/broker

Equal Opportunity Housing

Posted: May 12, 2009, 7:45pm PDT

Country Living with the Convenience of Saginaw, MI!

Ray Spitler, GRI, e-Pro (Keller Williams Realty) — Mon, 11 May 2009 19:03:05 -0500

Ray Spitler | Keller Williams Realty | (989)737-8042

7792 Dutch, Saginaw, MI

Almost 3 acres of country living with city convenience!

5BR/3.5BA Single Family House

offered at $259,900

Year Built	1993
Sq Footage	2,476
Bedrooms	5
Bathrooms	3 full, 1 partial
Floors	2
Parking	Unspecified
Lot Size	2.7 acres
HOA/Maint	$0 per month

DESCRIPTION

OPEN HOUSE MAY 24, 2:00-4:00PM
Almost 3 acres of country living with city convenience! Enjoy the peacefulness of the country, yet only 1 mile from everything you need. Close to Hemlock Semiconductor and Swan Valley Schools. This quality built 2-story by Ciaramitaro Builders offers everything you need. Two Master Suites with lots of closet space and private baths, one Jacuzzi. Dramatic 2-story foyer and Great Room. Formal Dining, First-floor laundry, Solid Oak 6-panel doors throughout. Finished Basement with 5th bedroom, family room, and separate storage rooms. One room is plumbed for bath. Large finished garage plus 24x40 Pole Barn provides room for all your toys!

see additional photos below

PROPERTY FEATURES

Central A/C	Central heat	Fireplace
High/Vaulted ceiling	Hardwood floor	Living room
Bonus/Rec room	Dining room	Dishwasher
Refrigerator	Stove/Oven	Microwave
Basement	Laundry area - inside	Balcony, Deck, or Patio
Yard

ADDITIONAL PHOTOS

Photo 1	Photo 2
Photo 3	Photo 4
Photo 5	Photo 6

Contact info:

Ray Spitler

Keller Williams Realty

(989)737-8042

For sale by agent/broker

Equal Opportunity Housing

Posted: May 11, 2009, 3:39pm PDT

WANTED- Investors with CASH for quick short sale deals..

Ray Spitler, GRI, e-Pro (Keller Williams Realty) — Mon, 23 Mar 2009 22:53:45 -0500

I specialize in short sales and will be expanding my business to include pre-approved by the bank
"ready to close" short sale deals below market value.

These deals will already be approved by the bank for short sale at a specified price for 60 -70 cents on the dollar "ARV".

I will be offering these deals to cash investors for a quick sale.

If you are interested in being notified of these special short sale deals first, just send an email to cashinvestors@MBShomes.com and I will add you to my VIP list for priority instant notification.

Include best way to contact you and price range you are intersted in as well as any other prefered criteria.

You can search the MLS for Saginaw, Midland or Bay County Michigan at www.MBShomes.com to see all current listings from any Broker and compare prices to the deals I will be offering.

We have about a 2-3 year window to pick up the best real estate deals in history. In addition, we will be helping many homeowners avoid having a foreclosure on their credit and the bank gets rid of a non-performing asset. Everyone wins!

Did you know that most Millionaire's achieved their status through real estate? Now the country is "on sale". As Realtors and Investors, we are probalby in the most influential positions to be the catalist for change and help bring America out of the recession one house at a time.

Contact me anytime.

Ray Spitler
Certified Short Sale Expert, GRI, e-Pro
Keller Williams Realty
www.MBShomes.com
(989)607-6252

Short Sale-Nice Duplex Must sell now!!!

Ray Spitler, GRI, e-Pro (Keller Williams Realty) — Wed, 11 Mar 2009 22:04:37 -0500

Ray Spitler | Keller Williams Realty | (989)737-8042

3161 Northwest, Saginaw, MI

Nice duplex in prime Saginaw township location close to everything

4BR/2BA Single Family House

offered at $100,000

Year Built	1969
Sq Footage	1,476
Bedrooms	4
Bathrooms	2 full, 0 partial
Floors	1
Parking	Unspecified
Lot Size	24,742 sqft
HOA/Maint	$0 per month

DESCRIPTION

SHORT SALE- Nice duplex in prime Saginaw township location close to everything. Extra 3-1/2 car garage, deep lot with fenced back yard, shed and privacy fence. Many updates, owner occupied. Separate utilities paid by Tenants. Subject to third party approval.

see additional photos below

PROPERTY FEATURES

Refrigerator	Stove/Oven	Washer
Dryer

COMMUNITY FEATURES

Wheelchair access

OTHER SPECIAL FEATURES

Extra Garage/workshop

ADDITIONAL PHOTOS

Photo 1	Photo 2
Photo 3	Photo 4

Contact info:

Ray Spitler

Keller Williams Realty

(989)737-8042

For sale by agent/broker

Equal Opportunity Housing

Posted: Mar 11, 2009, 7:20pm PDT

Help for Homeowner owing more than market value on their home

Ray Spitler, GRI, e-Pro (Keller Williams Realty) — Tue, 18 Nov 2008 10:32:58 -0600

It is estimated that aproximately 47% of homeowners across the country now owe more than their home is currently worth. This has been a massive market correction for home prices and it is estimated the decline could continue for another year before the bottom is reached.

For these homeowners who need to sell now, there is an option that is a better alternative to foreclsoure. By working with an experienced Realtor, who is knowledgable about short sales, you may be able to sell your home for its current market value regardless of the mortgage balance. Your Realtor can negotiate with the bank to accept a lower pay off for the property allowing you to sell it and avoid foreclosure.

The banks are more receptive to this now that they have thousands of homes on their books and do not want to foreclose if they can avoid it. A foreclosure is much more costly to banks than a short sale, and they are more willing now to consider this a viable option.

The advantage to homeowners is they avoid a foreclosure on their credit report which could prevent them from purchasing another home for 5 to 7 years, as well as up to 300 point hit on their credit score. With a short sale, the same homeowner could purchase another home in 12 to 18 months, while taking a much lower hit on their credit score, perhaps 50 to 100 points.

In today's world, so much of what we pay for is credit score driven, so protecting your credit score is very important.

My goal as a real estate consultant is to help as many homeowners avoid foreclosure as I can. That is why I have taken the Short Sale course at Harris Real Estate University and am now a Certified Short Sale expert. Probably the only Realtor in the Saginaw, Midland, Bay County area to take the time to specialize in this area because most Realtors avoid short sales. They don't like the extra work involved and time to get the deals closed. The primary reason for that is the lack of experience of many Realtors trying to do a short sale without proper training and experience. If your Realtor does not have this expertise, they could actually cost you the sale and your home will end up foreclosing.

For more information on this subject, contact Ray Spitler at 989-607-6252 or visit www.MBShomes.com

"Pop up" Tax Moratorium...

Ray Spitler, GRI, e-Pro (Keller Williams Realty) — Mon, 21 Jul 2008 11:39:21 -0500

On March 27, 2008, the Michigan Senate took action in passing legislation to stimulate the housing industry in Michigan. The Senate Economic Stimulus Plan gives a boost to the housing industry by providing property tax relief, while putting more money back into the homeowner's pocket. It does so by offering a window for homebuyers to avoid the pop-up tax now and for the duration of their homeownership.

The Senate package (SB 1065, 790, 791, HB 4215, ) alleviates the issue of homeowners who continue to lose equity in their homes, while allowing potential homebuyers to move forward with the dream of homeownership without financial penalties. Senator Jud Gilbert (R-Algonac) and Senator Roger Kahn (R-Saginaw Twp) spoke on the Senate floor today and stressed the importance of a "pop up" tax moratorium in order to boost Michigan's housing market while spurring the economy.

Details of the legislation include:

791 (Kahn substitute) offers immediate substantial relief for Michigan taxpayers who purchase a home within the next 33 months.

SB 1065 (Cassis) - Increases the Homestead Property Tax Credit from $1200 to $1300 to those who qualify 790 (Pappageorge) - Increases the income thresholds of the Homestead Property Tax Credit by $10,000

4215 (Gaffney) Extends principal residence exemption to unsold homes

You may recall that a similar package was introduced in the House last year, which implemented an 18-month moratorium on the "pop up". The Senate plan creates a 33-month window. It works by providing an income tax credit to reimburse homebuyers for any "pop up". Those homeowners with no income tax liability would still receive a check from the state for that "pop up" amount. While the House and Senate plans differ in their mechanics, we are confident that both sides will come together and work to provide aid to homeowners and homebuyers. This will give Michigan's economy a much needed shot in the arm. This is a historic time for homebuyers, and it's a great time to buy.