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Why Talk To Ray? - Information about Ray Gernhart and Associates of Washington D.C., Northern Virginia and Alexandria, Virginia? Why Choose Ray? - Ray Gernhart and Associates' Alexandria, Washington D.C. and Northern Virginia real estate career in home buying & selling in Virginia. Meet My Team - Click here to meet my team!. Testimonials - Read what Ray Gernhart and Associates' clients are saying about the real estate marketing and services provided. Meet My Affiliates - Ray Gernhart and Associates' real estate web site affiliates. Personal Guarantee - Ray Gernhart and Associates' personal guarantee as a top Alexandria, Washington D.C. and Northern Virginia, Virginia real estate agent. Quick Response Guarantee - A quick response to your email request for more Virginia home buying & property selling information is guaranteed by Ray Gernhart and Associates. Privacy Guarantee - This Washington D.C., Northern Virginia and Alexandria real estate web site will respect your privacy, guaranteed by Ray Gernhart and Associates. No Obligation Guarantee - Ray Gernhart and Associates' real estate help by email is free & without obligation for Washington D.C., Northern Virginia and Alexandria home owners in Virginia. For Real Estate Agents - Let Ray Gernhart and Associates help you with your professional real estate broker and agent needs in the Washington D.C., Northern Virginia and Alexandria area. About NUMBER1EXPERTS™ - NUMBER1EXPERTS™ are top real estate professionals, find out more. Contact Information - How to contact Ray Gernhart and Associates. Go to Main Sitemap - Main sitemap sections include Find Washington D.C., Northern Virginia and Alexandria Homes, For Home Buyers, For Home Sellers, Washington D.C., Northern Virginia and Alexandria Information, Real Estate Resources, and About Ray Gernhart and Associates. 
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Short Sales >2. How to Request a Short Sale If you are facing foreclosure and are considering selling your home as a short sale as an out, get in touch with a trusted real estate professional immediately. They will be able to assist you in the process of requesting to short sell your home.
- Your real estate agent will most likely tell you that some banks will not allow a short sale to happen. Contact your lender’s loss mitigation department and speak with a supervisor. Explain your financial situation and ask if you qualify to sell your home as a short sale.
- Ask the supervisor what documents you’ll need to proceed and make copies of those. (Depending on the lender this could be anything from bank statements, tax forms, pay stubs, etc.)
- Ask your real estate agent to come up with a comparative market analysis report to show your lender how much the home is worth based on home sales in the area.
- Write a letter of financial hardship detailing the reasons you are no longer able to make payments on your home.
- When you’ve completed all the aforementioned necessary paperwork, compile it together and mail it to your lender’s loss mitigation department.
- Pending your short sale application approval, request a deficiency release from the bank. The release absolves you of any obligation to pay the balance on the mortgage. If the bank refuses, continue to press the issue.
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What did 75% of 10,000 buyers surveyed by the NAR list as their top reasons for selecting a Real Estate Professional?
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Knowledge of the housing market, knowledge of real estate practices and financing, and familiarity with neighborhoods. |
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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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