Caleb Raymaker · Century 21 Signature Realty
Buying or selling in Bay City or Saginaw?
I'm Caleb, a local Realtor in the Tri-Cities. Start with your real numbers. No pressure, and straight advice.
What's my home worth?
Tell me about your home and I'll send you a price range based on real recent sales near you.
Get my home value → I'm buyingHow much can I afford?
See your price range and monthly payment in about a minute, including FHA and MSHDA options.
See my buying power →How I help
Whichever side you're on
Sellers
- A price based on real sales, not an online guess
- Honest timing advice. If you should wait or fix something first, I'll tell you.
- Estate and inherited homes
- River-frontage homes in the Bay City area
- Negotiating inspection requests and appraisals
Buyers
- FHA and MSHDA loans
- Knowing your real budget before you start looking
- Inspection negotiations on repairs and credits
- Getting to closing when the appraisal comes in low
Free tools
Get real numbers before you talk to anyone.
What's my home worth?
Enter your address for an instant estimate. If you want a closer look, I'll follow up with a price range based on recent sales near you.
How much house can I afford?
Rough numbers to get you started. A lender will give you the real approval.
See the full breakdown and next steps
I'll look over your numbers myself and follow up.
Are you ready to move?
Six questions. You'll get an honest answer, even if it's "not yet."
Home search
Search Bay City & Saginaw homes
Set up a custom search and get new listings that match what you want as soon as they hit the market.
About me
Caleb Raymaker
I'm a Realtor with Century 21 Signature Realty in Bay City, working Bay City, Saginaw, and the Tri-Cities area.
Real estate runs in my family. I started serving as a director on the Bay County Board of Realtors at 22.
I work with buyers using FHA and MSHDA loans, and sellers with estate and river-frontage homes. I'm comfortable negotiating inspections and appraisals so your deal gets to closing.
If waiting or fixing something first is better for you, I'll say so, even if it means I don't get the listing.
Common questions
Straight answers
Who is a realtor in Bay City, MI who handles FHA and MSHDA loans?
I do. I'm Caleb Raymaker with Century 21 Signature Realty in Bay City, and I handle FHA and MSHDA loan deals in Bay City, Saginaw, and the Tri-Cities area. Call me at (989) 280-9294.
What happens if my appraisal comes in low?
There are usually four options: renegotiate the price, the buyer covers some or all of the gap in cash, challenge the appraisal with better comparable sales, or walk away if your contract has an appraisal contingency. Which one makes sense depends on the numbers and the contract. I'll go through them with you.
How do inspection negotiations work?
After the inspection, the buyer can ask the seller to make repairs, give a credit at closing, or lower the price. The seller can say yes, say no, or counter. I handle these negotiations on both the buying and selling side.
Can you help me sell an inherited or estate home?
Yes, I handle estate listings. Before we list, check with your attorney to confirm who has legal authority to sell the property.
Do you sell river-frontage homes in Bay City?
Yes. I handle river-frontage listings in the Bay City area.
Should I fix things before I sell?
Sometimes. If waiting or fixing a problem first would be better for you, I'll tell you, even if that means I don't get the listing right now.
How do I find out what my home is worth?
Use the home value tool on this page for an instant estimate. If you want a more accurate number, I'll look at actual recent sales near you and send you a price range.
What areas do you cover?
Bay City, Saginaw, and the Tri-Cities area of Michigan. My office is at 415 S Euclid, Bay City, MI 48706.
Talk to me
Have a question? Ask me directly.
Call, text, or send a message. You'll get an answer from me.
(989) 280-9294 calebraymaker@gmail.com Century 21 Signature Realty415 S Euclid
Bay City, MI 48706