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Ray Gernhart and Associates

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All agents are NOT alike! Find out why I am a top real estate expert. Call me: 703-824-4731 or 800-278-8504.

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Ray & I Created A Partnership
“I appreciate his full investment in that partnership.”
Fritz Schmidt; Alexandria, Virginia
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Free Relocation Package
Welcome > Local Info > Relocating? ...

Request My Free Relocation Package. Don't Move To Alexandria, Washington D.C. and Northern Virginia Without It! 

Moving your family to another town or state is a major event in your life! I have helped many families and individuals relocate to and from the Alexandria, Washington D.C. and Northern Virginia, Virginia area. 

If you will be moving to the Alexandria, Washington D.C. and Northern Virginia area, we can correspond by email and phone. Together, we'll determine what type of home, price range, and neighborhoods you are interested in. I'll send you every home or property that is currently available that matches your criteria. 

When you visit, I'll be ready! We will visit the Alexandria, Washington D.C. and Northern Virginia neighborhoods and homes that interest you the most. 

In addition, we can talk about schools, sub-divisions, local market conditions, local culture... anything that is important to you. 

Remember: As a top Alexandria, Washington D.C. and Northern Virginia real estate agent, it's my job to know this area inside and out, and I want to make your transition as smooth as possible. 

To get started, fill out the form to request my FREE Alexandria, Washington D.C. and Northern Virginia, Virginia Relocation Package. I'll send it right out. It's full of useful and important information about this area. You are under no obligation, so you can't go wrong... 

Are you new to the area? Request my FREE package of Alexandria, Washington D.C. and Northern Virginia relocation information. It's my job to help! There's no obligation, and I promise to respond quickly... 

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Real Estate Tips
Financing Your Home >Mortgage Terms

New mortgage loan products offer a more complex selection of terms. Lenders now offer mortgages that are blends of short-term ARMs and 30-year fixed-rate loans with a lower fixed-rate of interest for a period of five, seven or ten years. Be sure that you understand what happens at the end of the initial term before you sign on the dotted line for such a loan.

Many of these loans revert to a 1-year adjustable rate loan at the end of the initial term and can be adjusted once a year based on an index tied to the cost of money. You should know how much over the index your rate will be set and the limit or cap on how much your payments can increase. A "balloon" note requires the entire balance to be paid to the lender after the initial period of the loan ends. Most of these loans require the lender to guarantee to refinance the note at that point if payments have been timely. The lender should spell out how the re-finance rate will be determined and what costs will be involved. These loans can help you buy a more expensive house than you could afford with a 30-year fixed rate mortgage, but be sure that you understand the terms and the potential risks.

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Real Estate Trivia
Q 
What bizarre post-midnight pageant celebrated the great transformation in Manhattan architecture during the 1920s?

A 
Beaux-Arts Architects' Ball (January 23, 1931) at the Hotel Astor commemorated the end of the first skyscraper age.
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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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