Friday, December 25, 2015

Vahe Hayrapetian: Politics and Interest Rates.

How Do Politics Effect Interest Rates?

In the perfect capitalistic world, interest rates would be set by objective, disinterested parties. Realistically, politicians can influence the interest rates for property loans in many ways.

Federal Reserve Monetary Policy

The United States Federal Reserve (Fed) is an organization of high-level bankers who effectively run American monetary policy. By determining the interest rates that banks can charge one another, the Fed can effectively control interest rates.

United States Congressional Policies

In the 1990s, the United States Federal Government established public policy to improve the home ownership rates in the nation. Freddie Mac and Fannie Mae, as pseudo-government organizations, have been effective in offering cheaper loans to attract buyers.

Changes in Leadership

New administrations will usually want to establish their own unique characteristics for the real estate market. After elections, interest rates may be adjusted in order to encourage or discourage more property buying activity.

Politicians might also try to hide their future policy decisions to prevent speculators from profiting. Politics can influence interest rates, but the market still drives property prices. Discover how experienced California Realtor Vahe Hayrapetian can help you anticipate and prepare for interest rate changes due to politics.

Wednesday, December 23, 2015

Vahe Hayrapetian: What is ZIRP?

What is ZIRP & Why Does it Matter?

The Zero Interest Rate Policy (ZIRP) has been established by the United States Federal Reserve (Fed) to provide cheap capital to increase productivity and economic activity. This has been the Fed's policy since 2008.

Capital is Primary Productivity Input

As a primary input for productivity, capital can determine how successful businesses and consumers can be. Cheap money allows people to take out more loans to purchase things that they want to enjoy today with promises of repaying the loans tomorrow.

UK Calls 2008 the "Credit Crunch"

In 2008, global financial markets saw a serious risk of shutting down due to the collapse of Bear Stearns and Lehman Brothers. These powerful financial firms had gone bankrupt and many banks were afraid of their exposure therefrom. The United Kingdom called 2008, the "Credit Crunch."

Ample Capital Increases Home Sales

One of the primary engines of US housing market appreciation has been cheap capital. Lower interest rates and increased loan options, such as the Adjustable Rate Mortgage (ARM), have enabled individuals to purchase and remodel their homes.

If you are interested in buying or selling a home, then contact the experienced California Realtor Vahe Hayrapetian.

Monday, December 21, 2015

Why Vahe Hayrapetian?

With over 18 years of experience, Vahe Hayrapetian, based in California has consistently delivered the best results when it comes to funding the purchase of a new home and giving advice to buyers how to get a mortgage. Loan originators like Vahe Hayrapetian remind people that while credit scores are important determinants for your financing options, there are loan options which can offer you a good loan amount despite less-than-stellar credit scores.

Financing expert Vahe Hayrapetian highlights several advantages of buying a condo instead of a house. The first advantage is the reduced maintenance. In a condo setup, the homeowner’s association (HOA) takes care of the maintenance of common areas. Next are the bundled benefits from the HOA. Commonly inclusions in these packages are security, trash removal, and water.

Another advantage is lower insurance costs. Basically, residents own less property with a condo. The HOA also has its own insurance policies. As a result, overall premiums are lower.

Most importantly, property taxes are lower. In general, a condo has a lower price compared to a single-family house. Since property taxes are directly proportional to the property’s value, taxes for a condo would also be lower. In the long run, this means significant savings for a condo owner.

For more information on home loans and mortgage, go to -

Friday, December 18, 2015

Vahe Hayrapetian: Expert Tips to Get Your Mortgage Loan Approved

Vahe Hayrapetian is a loan originator in home financing with over 18 years of experience. He has worked in the home loans divisions of several leading institutions, including Bank of America, GMAC Mortgage, and more.

Mortgage lending specialists like Vahe Hayrapetian offer these expert tips on boosting your chances of landing the most favorable loan terms. He and his team are known in the community in helping potential homeowners getting the best rates.

Evaluate Your Financial Status
Buyers should first evaluate their financial status before even considering a loan. This will give you enough time to save money and get qualified for a loan and a down-payment. Another thing lenders look is your employment status when it comes to getting approved. Lenders look at a buyer’s income to be one indicator that the loan will be paid in full.

Loan Options
Loan originators like Vahe Hayrapetian remind people that while credit scores are important determinants for your financing options, there are loan options which can offer you a good loan amount despite less-than-stellar credit scores. Vahe being a home mortgage expert, shares how aspiring homeowners can use their credit cards to improve their ratings.

Call now to start your consultation on mortgage pre-approval.

Thursday, December 17, 2015

Vahe Hayrapetian Works With Home Loans And Realtor Services

Vahe Hayrapetian works in the Burbank California area as a real estate broker and lender. He can also be of help if you want to refinance your home or get a loan on equity left on your home. He is rated with five stars from his previous clients and is serious about his business and his clients. He is concerned about all parts of your business deal and is very quick to respond to all your emails, phone calls, and texts and is very knowledgeable in what he does. He can answer any questions you may have and explain any part of your dealings at any point and because of that, he is highly recommended by real estate agents that have used him for the past ten years. He stands by anything that he tells you honestly and can be depended on for top of the line service by him and his staff. He has previously worked as Sales Manager for Skyline Home Loans in Glendale, California and handles home loans, selling and buying of homes, and is a broker in the real estate market.

He has been encouraged by how much better the economy has gotten and how the home buying and selling market has increased, everyone involved in the real estate market is benefiting from our improving economy. He has eighteen years of experience in financial services, home loans, and refinancing of your home. He is also rated as one of the best home brokers in California.