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Real Estate Resources:

• Special Offers - Special offers for Washington D.C., Northern Virginia and Alexandria homeowners from Ray Gernhart and Associates.

• Affiliates - Ray Gernhart and Associates' real estate web site affiliates.

• eNewsletter - Ray Gernhart and Associates'Washington D.C., Northern Virginia and Alexandria newsletter email will send you the latest real estate information.

• Today's Real Estate News - Daily real estate news for this neighborhood, Virginia, and United States.

• Market Conditions Report - Market conditions report for this area, Virginia, and United States.

• Monthly Payments & Schedule - Monthly loan payments java mortgage calculator.

• How Much Can You Afford? - Calculate how much home you can afford with this financial calculator.

• Determine Tax Savings - Calculate how much your monthly Washington D.C., Northern Virginia and Alexandria, Virginia mortgage payments save you on your taxes because of loan interest.

• Should You Rent or Buy? - Is it better to rent a home in Virginia or buy your own Washington D.C., Northern Virginia and Alexandria house, ranch, luxury property, condominium, acreage, or other real estate?

• Adjustable Rate Mortgages - Adjustable rate Washington D.C., Northern Virginia and Alexandria mortgages information and interest rate java calculator.

• What Is Your APR? - Determine the Annual Percentage Rate (APR) for your mortgage.

• Fixed or Adjustable Rate Mortgage? - Use this calculator to compare a fixed rate mortgage to two types of ARMs, a Fully Amortizing ARM and an Interest Only ARM.

• Are Balloon Mortgages For You? - Balloon mortgage calculator. A balloon mortgage can be an excellent option for many home buyers.

• 15 vs. 30 Yr Mortgages - With a 15 year mortgage you will pay significantly less interest, but only if you can afford the higher monthly payment. Use this calculator to compare these two mortgage terms.

• How Much Should Your Income Be? - What income is required to qualify for a mortgage? Use this calculator to find out.

• What's Your Maximum Mortgage? - This calculator will help you determine your maximum monthly housing payment and the resulting mortgage amount.

• Will Buying Points Save You Money? - This calculator helps you determine if you should pay for points, or use the money to increase your down payment.

• TripleCalc - FREE Software Download: TripleCalc lets you compare three loans at one time for your property or other Virginia real estate.

• Top National Real Estate Web Sites - Real Estate Web Sites that include some unique sources of realty information, listings, and more.

• Ask Anything - Ask Ray Gernhart and Associates anything real estate.

• NUMBER1EXPERTS™ - List of all the NUMBER1EXPERT™ real estate agents and realty professionals and brokers in the USA and Canada with links to their personal web sites with homes for sale.

• Real Estate Tips - Ray Gernhart and Associates' realty library of real estate tips and advice on everything from preparing your home for sale to negotiating with home buyers to escrow, closing costs, property inspections, and mortgage brokers.

• Real Estate Trivia - Ray Gernhart and Associates' collection of real estate trivia questions and answers that include real estate topics such as the most expensive home, largest swimming pool, and more.

• Real Estate Dictionary - Complete real estate dictionary and glossary of realty words you'll use when you list and sell your Washington D.C., Northern Virginia and Alexandria property in Virginia, including legal terms definitions, and more.

• 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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Titles >Do You Really Need Title Insurance When a home is purchased, title insurance is one of the closing cost items on the closing statement. This insurance protects the buyer from defects in the title that are not discovered until after the closing. There are two kinds of title insurance--coverage that protects the lender for the balance of the mortgage if the buyers have a loan, and coverage that protects the buyers' equity in the property. It is prudent to purchase owners' coverage because most of the title problems that arise after a closing are not from a sloppy title search, but are the result of inaccurate information in the public records. The ownership chain goes back a long way, and fraud or misrepresentation anywhere in the chain could mean big problems. Title insurance will protect you if a wife or husband did not properly sign off on the ownership papers or if the property was sold as part of an estate that was later disputed. Most people do not have to deal with the title insurance company after the closing, but this coverage could save your investment if a problem arises. See All Tips In The "Titles" Category > See Complete Library Of Hundreds Of Tips In 30+ Categories >

Q  According to Feng Shui, the art of home placement, what five elements are needed in a harmonious environment? A  Wood, fire, earth, metal and water must be balanced to create a happy, prosperous home. 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

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