Feature
Properties
Meet My
Team
|
All agents are NOT alike! Find out why I am a top real estate expert. Call me: 703-824-4731 or 800-278-8504.
|
Get Free Presentation On My Home Marketing.
Before signing a contract with any real estate agent, make sure you know EXACTLY how your home will be marketed.
Find Out More >
View All Offers >
|
Ray Really Cares About His Clients, And It Shows!
“He has helped me purchase three homes over 14 years.”
Melody Starya Mobley; Arlington, VA
Read Quote >
View All Quotes >
|
 Compare three
mortgages at one time. Download TripleCalc now. It's free. |
Ray Gernhart and Associates
is one of The Top Selling Real Estate Experts™
Find Out More > |
|
|
|
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! 
 |
First Time Buyers >The Real Bottom Line
An important part of buying a house is sitting down with your real estate agent or a mortgage lender to get a clear idea of how much you can afford. They will add up all of your monthly expenses, the mortgage payment, insurance, real estate taxes, homeowners or condo association fees--and the grand total can throw you into shock!
The important thing to remember is that the grand total isn't really the bottom line. When you add your tax savings to the equation, you may be pleasantly surprised. During the early years of your loan, almost all of the mortgage can be deducted from your state and federal income tax. The same is true of your real estate taxes. If you use part of your house as a home office, you may be able to qualify for additional tax savings. In some areas, homes with ground floor apartments are popular for offsetting part of the mortgage and offering even more tax savings.
When you make calculations about the monthly costs that include the tax savings, you may find that owning your own home is less expensive than renting a house or apartment of comparable size.
|
|
| Q |
What is an encumbrance against a property, which may be voluntary or involuntary?
|
| A |
There are many different kinds of liens: a tax lien, a judgment lien, a mortgage lien, and a mechanic's lien. |
| See More Real Estate Trivia > |
|
|
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!    
www.talktoray.com is brought to you by
Ray Gernhart and Associates
NUMBER1EXPERT™ in real estate for
Washington D.C., Northern Virginia and Alexandria, Virginia Read Ray Gernhart and Associates'
Privacy Guarantee,
Terms of Service,
and
Free & Without Obligation Pledge
|
|
NUMBER1EXPERT®
© Homes Media Solutions™, a division of Dominion Enterprises and/or its clients.
All rights reserved. All information deemed reliable but not guaranteed.
|
- NUMBER1EXPERT™ 
