Ann Arbor real estate and homes for sale in Ann Arbor Michigan - Saline, MI real estate, Ypsilanti real estate - Missy Caulk and Team, REALTORS® Missy Caulk and Team REALTORS(r) for Ann Arbor, Saline, and Ypsilanti, Michigan real estate - NUMBER1EXPERTS™ Missy Caulk and Team NUMBER1EXPERTS(tm) for Ann Arbor, Saline, and Ypsilanti, Michigan real estate

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Missy Caulk and Team, REALTORŪ, real estate agents and broker for Ann Arbor, Saline, and Ypsilanti Michigan home listings, property and land for sale - NUMBER1EXPERT(tm)
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Resources: Ann Arbor, Saline, and Ypsilanti Michigan home buying, real estate listings, and homes for sale in Washtenaw County, MI
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Special Offers: Special offers for Ann Arbor, Saline, and Ypsilanti homeowners from Missy Caulk and Team, top Realtors
Affiliates: Missy Caulk and Team's real estate web site affiliates
eNewsletter: Missy Caulk and Team's Ann Arbor, Saline, and Ypsilanti newsletter email will send you the latest real estate information
Today's Real Estate News: Daily real estate news for this neighborhood, Michigan, and United States
Market Conditions Report: Market conditions report for this area, Michigan, and United States
Monthly Payments & Schedule: Monthly loan payments java mortgage calculator
How Much Can You Afford?: Calculate how much home you can afford with this financial calculator
Determine Tax Savings: Calculate how much your monthly Ann Arbor, Saline, and Ypsilanti Michigan mortgage payments save you on your taxes because of loan interest
Should You Rent or Buy?: Is it better to rent a home in Michigan or buy your own Ann Arbor, Saline, and Ypsilanti house, ranch, luxury property, condominium, acreage, or other real estate?
Adjustable Rate Mortgages: Adjustable rate Ann Arbor, Saline, and Ypsilanti mortgages information and interest rate java calculator
What Is Your APR?: Determine the Annual Percentage Rate (APR) for your mortgage.
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.
Are Balloon Mortgages For You?: Balloon mortgage calculator. A balloon mortgage can be an excellent option for many home buyers.
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.
How Much Should Your Income Be?: What income is required to qualify for a mortgage? Use this calculator to find out.
What's Your Maximum Mortgage?:This calculator will help you determine your maximum monthly housing payment and the resulting mortgage amount.
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.
TripleCalc: FREE Software Download: TripleCalc lets you compare three loans at one time for your property or other Michigan real estate
Top National Real Estate Web Sites: Real Estate Web Sites that include some unique sources of realty information, listings, and more
Link Partners: Missy Caulk and Team's real estate web site links to other sites about property selling and buying in this area of Michigan
Ask Anything: Ask Missy Caulk and Team anything real estate
NUMBER1EXPERTS: List of all the NUMBER1EXPERT real estate agentss and realty professionals and brokers in the USA and Canada with links to their personal web sites with homes for sale
Real Estate Tips: Missy Caulk and Team'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
Real Estate Trivia: Missy Caulk and Team'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
Real Estate Dictionary: Complete real estate dictionary and glossary of realty words you'll use when you list and sell your Ann Arbor, Saline, and Ypsilanti property in Michigan, including legal terms definitions, and more
Michigan Agency Disclosure: Michigan Agency Disclosure



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Real Estate Tips
Buyers Remorse >First Time Loans

Most first-time buyers can qualify for a mortgage loan, but they may need help from parents to make the down payment or closing costs on their home. There are loan programs that minimize the down payment and closing costs for first-time buyers. These programs usually require that 3 to 5 percent of the purchase price come from the buyers' funds, not from a loan or gift. Most lenders ask for the last three months' bank records. The borrower will be asked to reveal the origin of any large deposits. If the money comes from the homebuyer's parents, the lender may not consider those funds when qualifying the buyers.

Parents who are planning to help their children finance a home should transfer any funds several months before the house-hunting process begins. If it is a loan rather than a gift, a formal re-payment agreement should be drawn up between parents and children to eliminate potential misunderstandings or future complications with either estate.

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Real Estate Trivia
Q 
What unique contribution did the town of Flushing, New York make to the American home?

A 
The flush toilet was invented in Flushing.
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Missy Caulk and Team, REALTORŪ, real estate agents and broker for Ann Arbor, Saline, and Ypsilanti Michigan home listings, property and land for sale - NUMBER1EXPERT(tm)

Missy Caulk & Team Ann Arbor Real Estate
Keller Williams Ann Arbor
2144 S. State Street
Ann Arbor, MI 48104
Direct Line: 734-821-0757
Office: 734-995-9400
Cell Phone: 734-216-2822
Fax: 734-864-1545
Email: Missy@MissyCaulk.com
Betty: basteele@comcast.net
Christa: Christa@ChristaCaulk.com
Pattie: PNieman-Beeson@cablespeed.com

As a transplanted Southerner, I have lived and raised five children in the Ann Arbor area for the past 27 years. I know that this is a truly great place to live. My husband Mike (who personally trained our three quarterback sons) and I are deeply rooted in this warm and spirited community, which is a great advantage when it comes to finding your family the right home in the right place at the right price ! I get dozens of referrals every year from former clients, many of whom have become friends, because they value not only my professionalism and knowledge of the market, but my honesty and straightforwardness. Purchasing a home is one of the bigger things we do in life. I promise you that the process of doing this, as well as the result, will be enjoyable and rewarding for both of us. In order to serve our clients, we have 6 Buyer Specialists available to give you the best possible service.

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Keller Williams Ann Arbor real estate and homes for sale in Ann Arbor, Saline, and Ypsilanti Michigan





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