Vahe Hayrapetian Helps Buyers to Bring It Home!

With springtime upon us, many new homebuyers are heading into the marketplace to seek out their new dream residence! Finding an expert to help is often a terrific first step for these novice purchasers in particular. Vahe Hayrapetian is a great selection to help!

What are Vahe Hayrapetian’s credentials and how can he help?
Vahe Hayrapetian is an eighteen year veteran of the real estate market and has a vast background in all types of home financing. This experience makes him a powerful asset to buyers, since this can connect them with options they may not have otherwise located. Furthermore, he has contacts and experience in numerous areas, which can help buyers quickly link up with properties based on their needs and desires as well as their preferred locations.

Why purchase now?
Interest rates are again at a low level, which provides a great incentive for purchasing as well as relocating. With these items in place, it would be a strong asset for owners or purchasers to lock in a mortgage as soon as possible to ensure a fixed rate for their new properties. Vahe Hayrapetian can also help with that, as he is an expert in the market and its fluctuations.

The Best Move (Before Your Move) is to Seek Expert Advice
For those who want the best in property loan servicing, contacting Vahe Hayrapetian can help make the process move smoothly in conjunction with finding the best rates for the negotiation!

Sources:

http://vahehayrapetianhomeloans.blogspot.com/
http://www.reuters.com/article/idUSnMKW4357a+e0+MKW20130408

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Great Real Estate Agents Can Help People Choose Great Homes

If you’re thinking about purchasing a home, it’s always wise to recruit the assistance of a qualified and knowledgeable real estate agent. A good real estate agent understands the market in your desired area. He or she understands patterns in the real estate world. He or she can help you select neighborhoods and homes that cater to all of your preferences and needs. If you’re a parent who needs to move to a neighborhood that is close to many schools, for example, a seasoned real estate professional should be able to provide you with many excellent and dependable suggestions.

If you want to recruit the assistance of a capable real estate professional who can help you buy your dream home, it can be intelligent to speak with people who have worked with him or her recently. It can also be good to look for agents who are equipped with all of the finest qualifications. Talented real estate agents often have extensive training in many specialties. It also is a good idea to pay close attention to any listings your agent may have available at the moment. Lastly, it helps to ask agents about their work experience in the field. The more knowledge you have, the better.

Vahe Hayrapetian has been providing its clients excellent customer service and for multiple years, has not dipped in quality. Vahe Hayrapetian has been providing quality services for 18 years. For more information on how we can best assist you, feel free to visit our website: http://vahehayrapetian.com/.

Are You Ready to Own a Home? Vahe Hayrapetian Can Help You Find Out

More than any other purchase you’ll make in your life, buying a house requires thoughtful planning and decision making. After all, a house is probably going to be the biggest investment you’ll make, so you have to ensure that it’s worth every penny. In addition to the financial aspects, the home buying process can also be an emotional time for you, so it’s best to seek the help of experts like home loan originator Vahe Hayrapetian, who can provide you with the objectivity you will need in decision-making.

Are You Emotionally Ready?

When you think of it carefully, buying your own home is actually a lifestyle choice that makes you think about how you would want to spend your spare time, and the type of community you wish to live in. Before you think about these, however, you have to consider the course of your career, and if you can commit to living in the same community in the next few years.

Are You Financially Ready?

Before you start home-hunting, take a close look first at your finances. To quality for a mortgage, you’ll need to prove that you can pay your debts on time through your credit score and your debt-to-income ratio. It’s a general rule that buyers, especially first-time buyers, need to have a 43 percent debt-to-income ratio or less to have a bigger chance of getting approved for a great mortgage deal.

Are You Ready to Pay More?

You should still be able to maintain a debt-to-income ratio of not more than 43 percent even after qualifying for mortgage. This means keeping up with an ideal rate despite new housing expenses, like homeowners’ association fees, property tax, and homeowner’s insurance, among many others.

Is It the Right Time to Buy?

As spring is the season when most homebuyers get into the real estate market, you may have more chances for a better deal during off-seasons. See if now is the right time to buy a house by finding the nearest tourist area, calling a hotel, and asking when their off season begins. If you have children, another strategy you can try is to wait until October before searching for a home in a community with a lot of families.

If your answer to all these questions is “yes”, then don’t hesitate to seek help from trusted loan originators like Vahe Hayrapetian and be a step closer to owning your dream home.

Loan Officers like Vahe Hayrapetian on How to Get a Good Mortgage Deal

For first-time homebuyers, getting a mortgage might seem as difficult as climbing a mountain, yet they know that they must have one if they want to secure the home of their dreams. Getting a great mortgage deal, however, can be made simple if you’ve done everything you can to appear as attractive to lenders as possible. Mortgage lending specialists like Vahe Hayrapetian offer these expert tips on boosting your chances of landing the most favorable loan terms.

Check your Credit Score

Lenders will want to see whether or not you have the capability of paying your monthly mortgage dues, and they can do this by searching your credit history. This will give them a glimpse of your credit card standing, loan history, and even some of the utility payments you made and the accounts you opened in the past six years.

You need to move ahead of the lenders, and check your credit history and your credit score before they do. Look for errors in your credit report that can work against you. If you feel like your credit score isn’t favorable enough, you’ll have to work hard on improving it before seeking a home loan.

Organize your Documents

Once you plan on applying for a mortgage, sift through and organize your documents, especially those concerning your income and taxes, as early as now. Mortgage lenders will typically request the previous year’s W-2, two recent pay stubs, tax returns, and two months’ worth of bank statements. Don’t lose these important documents, or the process could take longer.

Evaluate your Assets and Liabilities

As a first-time homebuyer, you must have a good idea on the amount of money you owe and the amount of money flowing in from your income. You might owe little money and you may be making your payments on time, but how are your spending habits? More particularly, are you able to save some money for each paycheck?

For starters, you may want to track your spending habits for the next two months, then decide on whether you have to improve on it or not. At the very least, you’ll have an idea of your financial standing. When you’re pretty confident that you have done everything to improve your credit rating, approach loan originators like Vahe Hayrapetian who can help you find the mortgage deal that best suits your situation.

Agents like Vahe Hayrapetian Guiding You on Seeking VA Home Loans

Many members of the armed forces are often thinking about life after service, regardless of how long they’ve served. Along the way, they may have been counseled on investing their hard-earned pay in various liquid or tangible assets such as real estate. As the property market steadily picks up after a bad run, the window can be closing on landing a premium property at exceptional values, putting seasoned loan originators like Vahe Hayrapetian in a good position to help you with securing a Veterans Affairs (VA) loan.

Eligiblity

The main element of eligibility is that the applicant must be in the active force for at least six months. Reservists and National Guard personnel normally need six years to make the cut, but that can be shortened to 181 days if they’re called to active duty. Applications from spouses of active-duty personnel who died on active duty or are suffering from service-related disabilities will also be entertained.
Veterans of previous conflicts also fall under this rule, for World War II (serving between September 16, 1940 to July 25, 1947), Korean War (June 27,1950 to January 31, 1955), Vietnam War (August 5, 1964 to May 7, 1975), and the Gulf War (August 2, 1990 to date TBD). For the Gulf War, eligible servicemen must have served up to 24 straight months on active duty or at least 90 days on active duty and were discharged under 10 USC 1173, specifically the hardship and early out provisions.

On Target

Pre-approval can be a vital key in finding a lender who can find you a suitable VA loan. Acquire a credit report and other important financial documents such as your wage data. If you have a spouse or domestic partner who’s also employed, their wage data and credit report will be factored in, as well.
Depending on the proposed loan amount, your agent will determine whether your income can cover the mortgage payments and other basic living expenses. Have details ready on a number of prospective listings. If you pass pre-approval, your agent can guide you towards notable VA lenders who can process your application.
Every person dedicated in the service of his or her country should have a fair chance at buying a home for them and their loved ones. Financial experts like Vahe Hayrapetian will not leave you high and dry in that pursuit.