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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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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Welcome > Agent Info > Testimonials ...

Read What People Are Saying About Me

I always ask my clients to write or email me, and tell me truthfully how they appreciated my service to them. Their feedback is so important! Here are a few highlights of what people are saying about me...

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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Ray & I Created A Partnership
“I appreciate his full investment in that partnership.”

Fritz Schmidt; Alexandria, Virginia

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Ray Really Cares About His Clients, And It Shows!
“He has helped me purchase three homes over 14 years.”

Melody Starya Mobley; Arlington, VA

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You have a story to tell about me. You've worked with me, and I've helped you buy or sell a home. I need your feedback. Others need your feedback, too! Please take a moment to fill out this form and tell me how I did...

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

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About Appraisals >Fair Market Value

What is the best price for a piece of real estate? Mortgage lenders, appraisers, and real estate brokers use what is called the "fair market value" (FMV). FMV has been defined as "the price that a buyer is willing to pay and the seller is willing to accept, when both parties are knowledgeable about the property and neither is under any time pressure to buy or sell". Sounds great, but how is this price determined?

The starting point for determining a fair price may be an opinion of the value or "comparative market analysis". Such an analysis uses information on similar properties which are: 1) currently for sale, 2) already sold, or 3) expired properties (those which did not sell). Local, national and international trends and market conditions must also be evaluated.

By comparing similar properties in each of the three categories and the market conditions, appraisers, lenders and agents come very close to the maximum price that buyers would be willing to pay for a house.

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Q	What document must lenders provide within three days of receiving your application for financing?
A	The "Truth In Lending Disclosure Statement" will give you complete financial information about the loan.
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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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