Home-buying process

Still looking for your dream home?

What you need to know:

Determine Your Needs – There are a lot of factors to consider when you’re looking for a new home. In order to ensure a positive experience, we take pride in listening to our clients and understanding their needs.

Get Pre-Qualified – One of the best ways to simplify the home-buying experience is to speak with a lender who can prequalify, or even pre-approve you for a loan. Once you know your budget, it’s a lot easier to find a great home that’s within your reach.

Go Shopping – Our real estate experience means you’ll have more properties to choose from, since we have access to listed as well as non-listed homes. But rest assured – we’ll only show you the homes that fit your search criteria.

Make an Offer – Once you’ve found your dream home, our seasoned agents will analyze the latest market data to help you put together an optimal offer. We will prepare all necessary documents and present your contract.

Schedule a Home Inspection – Most offers are contingent on an inspection to ensure the property is structurally sound. Your agent can help arrange a visit from the inspector at a time that works well for all parties.

Close – We’ll work with your lender and the title company to make sure all the necessary paperwork is in place for the sale. You can close on the deal at a time and place that’s most convenient for you.

Home-buying process

Why You Should Choose Ray Gernhart and Associates?

Because You Deserve the Best!

Knowledge. Intelligence. Expertise.
Ray Gernhart & Associates has the expertise that comes with almost four decades of industry experience. We know how to professionally navigate all negotiations that arise, from contract to close. Your interest is our number one priority!

A Personal Approach.
Our personalized approach is at the heart of who we are, and it translates into a better and more satisfying experience for the home buyer.

Collaborative Service.
When you partner with Ray Gernhart & Associates, you’ll get a whole team behind you. Our agents review each contract and work together throughout the sales process to make sure you achieve the best possible outcome.

Please contact us if you have any questions, WE ARE HERE TO HELP!

First time home buyers

Make Your Homeownership Dream a Reality

With our experienced DMV agents on your side, you can search for your first home with confidence.

When you transition from renting to owning, you finally get the chance to build equity, earn valuable tax breaks and grow roots in your community. We are experts at helping clients like you understand the process and find a home that fits their needs.

Here are just some of the benefits our team offers:

  • Experienced DMV RE/MAX agents who can guide you every step of the way, from getting pre-approval for a loan to understanding the ins and outs of a bid.
  • Advice on low-down payment options like FHA loans and state programs such as VHDA that allow borrowers to buy a home with less than 20% ‒ or even 10% ‒ down
  • Decades of experience in the Washington DC, Maryland and Northern Virginia area with agents who can provide first-hand knowledge of the local market
  • Exclusive access to new properties for sale, including many that aren’t listed on MLS.

At Ray Gernhart & Associates, our agents understand the stress of purchasing your first home can bring. Our team is here to ensure a stress-free experience with the best possible terms.

What Our Clients Say About Us

We are happy to share reviews from our wonderful clients!

Ray and John were incredible to work with as a first-time homebuyer. They were extremely knowledgeable about neighborhoods and condominiums all over Northern Virginia and were able to provide excellent advice regarding each property I was interested in. Above all, they helped me make a creative offer that was accepted over other bids in a very competitive market without going over my budget. John was extremely helpful and responsive to any question I asked and helped me navigate the whole process. Thanks to them, I have my first home and an opportunity to build wealth. I will recommend Ray and John to anyone who asks!
by Nicholas Simons
I can't thank Ray and his team enough for helping us find a place in a mad dash to include finding us a mortgage team that could do a fast turn around. We were under a 5 day time crunch to find a house and Ray took the time to focus on our needs and found us specifically what we were looking for in a home and price. He even took the time to go with us personally and point out what was a good buy and what he would not invest in. We went into contract during the Covid outbreak and he made sure to keep everything on track and safely get us through the signing so we were not stuck in a hotel. Moving every three years gets annoying so it's nice to have an enjoyable home buying experience. Highly recommend Ray and his team.
by M Kav
Ray and his team sold my first house and helped us purchase our second three years ago. I’m SO happy and comfortable with Ray and his team’s performance that I had zero hesitation in asking him to start looking for our second move to an area about an hour from where we are now. EXCELLENT service, I 100% could not be happier! The level of honesty, professionalism, service, and friendliness are impeccable and we are super picky people! Hands down everything I would expect and could possibly ask for in a realtor.
by Michelle M

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