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There are always important changes happening in the real estate market, locally and nationally. These changes can affect YOU.
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I Was A First Time Buyer Who Needed A Bit Of TLC
“Now I own my very own home! I couldn't have done it without Ray.”
Anita Hundzinski; Woodbridge, VA
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Compare three mortgages at one time. Download TripleCalc now. It's free.

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Ray Gernhart and Associates is one of The Top Selling Real Estate Experts™
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See the nation's top rated reports for Schools in Washington D.C., Northern Virginia and Alexandria >

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Welcome > Find Homes > Search All Homes > National Listings Databases...

	HarmonHomes.com "The nation's leading real estate magazine publisher with publications in over 85% all metro markets across the country. HarmonHomes.com offers 300,000 real estate listings, with almost 90% displaying color photos."
	Homes.com Millions of home buyers and sellers are flocking to Homes.com, one of the nation's top real estate websites. Search homes for sale, hot real estate markets, neighborhoods, home builders, and more.
	Immobel.com "The #1 site on the Internet for multilanguage real estate listings. Check out the best properties in the language of your choice."
	Sell.com "Sell.com classifieds is the alternative to online auctions, and includes real estate classifieds."

Don't Forget To Request A Quick Status Report On Any Homes Or Properties That Interest You!

It can take days, weeks, or longer for changes to appear on web sites. Don't waste your time with less than current information. Request my free Status Report and find out if the homes you are interested in are still on the market, under contract, in escrow, or if the price has been reduced.

The Status Report that you'll receive by email will also include other important information that has been left out or that is available to me through my professional resources, such as how long the property has been on the market, when it was last sold, what it sold for, and more.

Remember: As a top Alexandria, Washington D.C. and Northern Virginia area real estate agent, it's my job to know more about a property than any web site. Make sure you have the most current information!

School Reports in Washington D.C., Northern Virginia and Alexandria, Virginia

"A model of how the Internet can facilitate the process of deciding where to send your children to school"
- America's Best School Profiles by
The Heritage Foundation

Virginia Public, Private and Charter Schools: Compare them using these top-rated, comprehensive reports.

Schools in Washington D.C., Northern Virginia and Alexandria

First Time Buyers >Insuring Your Home

Many home buyers are concerned about whether they have an insurable interest in the property before the actual closing. The answer is an unqualified "yes". Although the buyer is not yet the recorded owner of the property, he or she has an insurable interest in the property as soon as the agreement of sale is executed by both the buyer and seller.

Should you get hazard insurance before the closing? It depends. Buyers do not usually insure a property until the title passes to them from the seller. However, it's wise to know what the agreement between you and the seller stipulates with regard to insurance.

Most agreements state that the property will be insured for a specific amount. This is very important to both parties. From the buyer's point of view, it is also critical that an adequate sum or full replacement value be stipulated. Watch out for agreements which read "as now insured". This is an all-too-common practice which usually indicates that the seller does not to want to increase inadequate insurance coverage.

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Q	What areas are known as the 'silk stocking' districts of this famous city?
A	In Central Park West, Fifth Avenue and Park Avenue in Manhattan, apartments go for $222,610 to $282,709 per room.
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Ray Gernhart and Associates, REALTOR®, real estate agent and broker for Washington D.C., Northern Virginia and Alexandria, Virginia home listings, property and land for sale - NUMBER1EXPERT(tm)

Ray Gernhart and Associates
RE/MAX Allegiance
5100 Leesburg Pike
Alexandria, VA. 22302
Direct: 703-824-4731
Toll Free: 800-278-8504
Cell: 703-855-6384
Fax: 866-253-8757
talktoray@NUMBER1EXPERT.com
With Ray's successful career of over twenty years in real estate, he has personally experienced all the ups and downs of the market. Since 1984, he has coordinated hundreds of new home sales as well as easing the transition for families as they move on to new horizons. Ray's expertise lies in his complete understanding of all facets of real estate, from buying and selling, to an all-encompassing grasp of the individual financial aspects for each client. Call or email America's NUMBER1EXPERT™ in real estate for the Alexandria area today!

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