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Welcome - Get the best real estate listings & homes for sale, expert advice, local info, and much more from Ray Gernhart and Associates, a proven Washington D.C., Northern Virginia and Alexandria, Virginia NUMBER1EXPERT™ Top Selling real estate agent.
Find Washington D.C., Northern Virginia and Alexandria Homes - Find Washington D.C., Northern Virginia and Alexandria, Virginia real estate listings & homes for sale provided by Ray Gernhart and Associates, your local expert real estate agent.
For Home Buyers - Get home buying information, the latest listings, mortgage informaiton, expert advice, and much more from Ray Gernhart and Associates, a proven Washington D.C., Northern Virginia and Alexandria, Virginia NUMBER1EXPERT™ Top Selling real estate agent.
For Home Sellers - Get home selling information, fsbo information, expert advice, find out what your home and other homes in your neighborhood are selling for, and much more from Ray Gernhart and Associates, a proven Washington D.C., Northern Virginia and Alexandria, Virginia NUMBER1EXPERT™ Top Selling real estate agent.
Washington D.C., Northern Virginia and Alexandria Information - Find local information on Washington D.C., Northern Virginia and Alexandria, Virginia including schools reports, local maps and links, things to do, area photos, and relocation information. Local information provided by Ray Gernhart and Associates, a proven NUMBER1EXPERT™ Top Selling real estate agent.
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About Ray Gernhart and Associates - Information about Ray Gernhart and Associates including testimonials, guarantees, credentials, and contact information. Learn why Ray Gernhart and Associates is a proven Washington D.C., Northern Virginia and Alexandria, Virginia NUMBER1EXPERT™ Top Selling real estate agent.

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

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Financing Your Home >Mortgage Fears

It is not unusual for home buyers to feel that the lender is being very critical during the loan approval process. The buyer is required to provide all kinds of financial information, and then the lender asks for more. If this is your experience, and the process seems discouraging, remember that none of this is personal!

Some lenders have more stringent requirements than others, but every lender requires a substantial amount of documentation on a mortgage loan. They must verify employment, credit history, and recent financial transactions involving your liquid assets. If your Visa payment was late, they may ask for a letter explaining why. If you are self-employed, they will ask for tax returns from at least three years and probably a year-to-date profit and loss statement.

Government regulations require mortgage companies to document everything. And while the loan officer may know that you are a reliable risk, the underwriters must be able to defend the loan to a federal bank examiner or auditor.

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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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