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September 2015
Steven Aslanian
818-879-0800
www.aslanian-team.com
Note: Simply click on the title of a story below to go directly to that page.
On a Budget
On a Budget
Blank Template
Equal Housing
Opportunity
Blank Template
Steven Aslanian
818-879-0800
info@aslanian-team.com
http://www.aslanian-team.com
818-879-0800
30699 Russell Ranch Rd.
Westlake Village, CA 91362
Your REALTOR
September 2015
818-879-0800
Steven Aslanian
www.aslanian-team.com
Mortgage Rates
Source: Realty Times
2 Common Mortgage
Deal Delays
last-minute
Equal Housing
Opportunity
Signs Indicate No
Drop-Off for Home Sales
t appears existing
Steven Aslanian
818-879-0800
info@aslanian-team.com
http://www.aslanian-team.com
818-879-0800
30699 Russell Ranch Rd.
Westlake Village, CA 91362
Your REALTOR
September 2015
Steven Aslanian
818-879-0800
www.aslanian-team.com
Equal Housing
Opportunity
Steven Aslanian
818-879-0800
info@aslanian-team.com
http://www.aslanian-team.com
818-879-0800
30699 Russell Ranch Rd.
Westlake Village, CA 91362
Your REALTOR
September 2015
Steven Aslanian
818-879-0800
www.aslanian-team.com
Equal Housing
Opportunity
cashier's check.
The name and address of the gift-giver and relationship the
gift-giver has to the homebuyer.
The purpose of the gift -- to be used only as a down payment
on the subject property, complete with the property's address.
A statement confirming that the gift is not a loan, and does
not need to be repaid.
Signatures of the borrower and the gift-giver.
Because lenders require a paper trail, allowing parents to
simply transfer money into the borrower's account to mix with
the borrower's funds is discouraged. First, a large deposit raises
the borrower's income and alters the bank statements, possibly
allowing a borrower to qualify for a home that in reality is too
expensive. And don't think underwriters won't find it. One of the
first things they do is examine your bank accounts.
If you want to get a conventional loan, Quicken Loans
advises the following:
If you put down 20% or more, it can all be from a gift.
If you put down less than 20%, part of the money can be a
gift; how much varies by loan type.
You can only use gift money on primary residences and
second homes.
For FHA and VA loans, all of your down payment can be gift
money. If your credit score is between 580 and 619, at least
3.5% of your down payment must be your own money. You can
only use gift money on primary residences. If you're planning to
use gift money as part or all of your down payment, ask your
lender how to meet the appropriate requirements.
Steven Aslanian
818-879-0800
info@aslanian-team.com
http://www.aslanian-team.com
818-879-0800
30699 Russell Ranch Rd.
Westlake Village, CA 91362
Your REALTOR
September 2015
Steven Aslanian
818-879-0800
www.aslanian-team.com
Let's say that you find a 2400-square foot home for sale or
lease. You may be able to rent it for $1.25 per square foot, or
$3,000 per month, but you can buy the property for $1.65 per
Functionality begins with making a good decision, based on square foot or $400,000. When you finance the same property
your requirements and what you can afford. Whether you rent or over 30 years, your payment is closer to $1,900. Add in typical
buy, you decide which home to choose based on affordability,
property taxes and hazard insurance, and you're at about
availability and functionality.
$2,700 per month, making buying the home a better choice for
the long term.
Renting is a great option for the short term, when you're
building your savings and may have another move or two before
You trade the mobility of renting for the opportunity to build
settling down to a home of your own. The functions of renting
equity. When you own a home, it usually takes several years of
are independence, affordability, and mobility. As your life
ownership before you can build enough equity to cover your
matures, you may become more interested in homebuying
transaction costs, making owning a home a long-term
because your ideas of functionality may change.
investment.
Equal Housing
Opportunity
Steven Aslanian
818-879-0800
info@aslanian-team.com
http://www.aslanian-team.com
818-879-0800
30699 Russell Ranch Rd.
Westlake Village, CA 91362
Your REALTOR
September 2015
Steven Aslanian
818-879-0800
www.aslanian-team.com
Equal Housing
Opportunity
Steven Aslanian
818-879-0800
info@aslanian-team.com
http://www.aslanian-team.com
818-879-0800
30699 Russell Ranch Rd.
Westlake Village, CA 91362
Your REALTOR
September 2015
Steven Aslanian
818-879-0800
www.aslanian-team.com
Location:
Some areas will always be more expensive to live in than
others. Neighborhoods that are well-kept tend to maintain
higher home values. Homes that are close to jobs, schools and
shopping centers tend to sell for more money than homes
without as much infrastructure.
What is the best home you can find in the area where you
want to live? If these homes are out of your range, you can
compromise -- buy a smaller home or a home that needs lots of
work in the best neighborhood you can afford.
Condition:
Equal Housing
Opportunity
Steven Aslanian
818-879-0800
info@aslanian-team.com
http://www.aslanian-team.com
818-879-0800
30699 Russell Ranch Rd.
Westlake Village, CA 91362
Your REALTOR
September 2015
Steven Aslanian
818-879-0800
www.aslanian-team.com
door can recoup 101 percent of the project's total cost when it
comes time to sell.
However, if you plan to spend a little more time in your
home and youre not looking to sell, you can enjoy the perks of
having a steel door. One example: Steel doors make your home
more energy-efficient, Energy.gov reports.
Most steel doors have a magnetic weatherstripping that
seals up nicely when the door is closed, which can help to keep
your energy use down.
A steel door is also easily customizable, so if you decide to
repaint your home a new color in the future, you can simply
paint the door to complement the new exterior color.
Install New Flooring
Equal Housing
Opportunity
Steven Aslanian
818-879-0800
info@aslanian-team.com
http://www.aslanian-team.com
818-879-0800
30699 Russell Ranch Rd.
Westlake Village, CA 91362
Your REALTOR
September 2015
Steven Aslanian
818-879-0800
www.aslanian-team.com
smartphone into a live video feed. This is ideal when you just
need to monitor your front door or specific room. The app alerts
you when motion is detected and also has convenient two-way
video and audio capabilities. You can talk directly to your kids
who just got home from school while you're still at work or even
verbally confront an intruder even though you're on the opposite
side of the world. A burglar who's taken by surprise when you
tell him or her to leave and you've called the police is likely to
flee and not come back.
August Smart Lock - http://august.com/
Equal Housing
Opportunity
Steven Aslanian
818-879-0800
info@aslanian-team.com
http://www.aslanian-team.com
818-879-0800
30699 Russell Ranch Rd.
Westlake Village, CA 91362
Your REALTOR
September 2015
Steven Aslanian
Equal Housing
Opportunity
818-879-0800
www.aslanian-team.com
Steven Aslanian
818-879-0800
info@aslanian-team.com
http://www.aslanian-team.com
818-879-0800
30699 Russell Ranch Rd.
Westlake Village, CA 91362
Mortgage Rates
Source: Realty Times
2 Common Mortgage
Deal Delays
last-minute
Equal Housing
Opportunity
Signs Indicate No
Drop-Off for Home Sales
t appears existing
Steven Aslanian
818-879-0800
info@aslanian-team.com
http://www.aslanian-team.com
818-879-0800
30699 Russell Ranch Rd.
Westlake Village, CA 91362
Equal Housing
Opportunity
Steven Aslanian
818-879-0800
info@aslanian-team.com
http://www.aslanian-team.com
818-879-0800
30699 Russell Ranch Rd.
Westlake Village, CA 91362
Equal Housing
Opportunity
cashier's check.
The name and address of the gift-giver and relationship the
gift-giver has to the homebuyer.
The purpose of the gift -- to be used only as a down payment
on the subject property, complete with the property's address.
A statement confirming that the gift is not a loan, and does
not need to be repaid.
Signatures of the borrower and the gift-giver.
Because lenders require a paper trail, allowing parents to
simply transfer money into the borrower's account to mix with
the borrower's funds is discouraged. First, a large deposit raises
the borrower's income and alters the bank statements, possibly
allowing a borrower to qualify for a home that in reality is too
expensive. And don't think underwriters won't find it. One of the
first things they do is examine your bank accounts.
If you want to get a conventional loan, Quicken Loans
advises the following:
If you put down 20% or more, it can all be from a gift.
If you put down less than 20%, part of the money can be a
gift; how much varies by loan type.
You can only use gift money on primary residences and
second homes.
For FHA and VA loans, all of your down payment can be gift
money. If your credit score is between 580 and 619, at least
3.5% of your down payment must be your own money. You can
only use gift money on primary residences. If you're planning to
use gift money as part or all of your down payment, ask your
lender how to meet the appropriate requirements.
Steven Aslanian
818-879-0800
info@aslanian-team.com
http://www.aslanian-team.com
818-879-0800
30699 Russell Ranch Rd.
Westlake Village, CA 91362
Let's say that you find a 2400-square foot home for sale or
lease. You may be able to rent it for $1.25 per square foot, or
$3,000 per month, but you can buy the property for $1.65 per
Functionality begins with making a good decision, based on square foot or $400,000. When you finance the same property
your requirements and what you can afford. Whether you rent or over 30 years, your payment is closer to $1,900. Add in typical
buy, you decide which home to choose based on affordability,
property taxes and hazard insurance, and you're at about
availability and functionality.
$2,700 per month, making buying the home a better choice for
the long term.
Renting is a great option for the short term, when you're
building your savings and may have another move or two before
You trade the mobility of renting for the opportunity to build
settling down to a home of your own. The functions of renting
equity. When you own a home, it usually takes several years of
are independence, affordability, and mobility. As your life
ownership before you can build enough equity to cover your
matures, you may become more interested in homebuying
transaction costs, making owning a home a long-term
because your ideas of functionality may change.
investment.
Equal Housing
Opportunity
Steven Aslanian
818-879-0800
info@aslanian-team.com
http://www.aslanian-team.com
818-879-0800
30699 Russell Ranch Rd.
Westlake Village, CA 91362
Equal Housing
Opportunity
Steven Aslanian
818-879-0800
info@aslanian-team.com
http://www.aslanian-team.com
818-879-0800
30699 Russell Ranch Rd.
Westlake Village, CA 91362
Location:
Some areas will always be more expensive to live in than
others. Neighborhoods that are well-kept tend to maintain
higher home values. Homes that are close to jobs, schools and
shopping centers tend to sell for more money than homes
without as much infrastructure.
What is the best home you can find in the area where you
want to live? If these homes are out of your range, you can
compromise -- buy a smaller home or a home that needs lots of
work in the best neighborhood you can afford.
Condition:
Equal Housing
Opportunity
Steven Aslanian
818-879-0800
info@aslanian-team.com
http://www.aslanian-team.com
818-879-0800
30699 Russell Ranch Rd.
Westlake Village, CA 91362
door can recoup 101 percent of the project's total cost when it
comes time to sell.
However, if you plan to spend a little more time in your
home and youre not looking to sell, you can enjoy the perks of
having a steel door. One example: Steel doors make your home
more energy-efficient, Energy.gov reports.
Most steel doors have a magnetic weatherstripping that
seals up nicely when the door is closed, which can help to keep
your energy use down.
A steel door is also easily customizable, so if you decide to
repaint your home a new color in the future, you can simply
paint the door to complement the new exterior color.
Install New Flooring
Equal Housing
Opportunity
Steven Aslanian
818-879-0800
info@aslanian-team.com
http://www.aslanian-team.com
818-879-0800
30699 Russell Ranch Rd.
Westlake Village, CA 91362
smartphone into a live video feed. This is ideal when you just
need to monitor your front door or specific room. The app alerts
you when motion is detected and also has convenient two-way
video and audio capabilities. You can talk directly to your kids
who just got home from school while you're still at work or even
verbally confront an intruder even though you're on the opposite
side of the world. A burglar who's taken by surprise when you
tell him or her to leave and you've called the police is likely to
flee and not come back.
August Smart Lock - http://august.com/
Equal Housing
Opportunity
Steven Aslanian
818-879-0800
info@aslanian-team.com
http://www.aslanian-team.com
818-879-0800
30699 Russell Ranch Rd.
Westlake Village, CA 91362
Equal Housing
Opportunity
Steven Aslanian
818-879-0800
info@aslanian-team.com
http://www.aslanian-team.com
818-879-0800
30699 Russell Ranch Rd.
Westlake Village, CA 91362