Top Real Estate Agent in Montrose, CA, Reports Growing Number of First-Time Buyers Successfully Purchasing Homes Despite Student Loan Debt

Montrose, CA – Student loan debt no longer has to be a barrier to homeownership. The Vic Markarian Realty Group is seeing a significant increase in first-time buyers successfully purchasing homes despite carrying substantial student loans, thanks to strategic planning and expert guidance that helps buyers navigate today’s lending landscape.

With over three decades of experience helping renters become homeowners, Vic Markarian, a respected Realtor agent in Montrose, CA, has developed proven strategies to help buyers overcome financial obstacles. “We’ve worked with countless first-time buyers who thought student loans disqualified them from homeownership,” Vic explains. “The truth is, with the right approach and proper debt-to-income calculations, many buyers discover they’re in a better position than they realized.”

Markarian notes that today’s buyers often underestimate how powerful long-term homeownership can be—even when interest rates feel high. “When I purchased my first three properties in Glendale in 1983, the rate was about 16% fixed compared to roughly 6% today,” he recalls. “I refinanced a few times, my payments dropped significantly, and those properties have increased in value about nine times. Rents in the area have gone up about seven times as well.” His experience reinforces the message he shares with clients: even in challenging markets, buying strategically can pay off far more than waiting.

The team’s innovative approach includes helping buyers who struggle with affordability to purchase two-to-four unit properties, where rental income from additional units covers a substantial portion of the mortgage payment. This strategy has proven particularly effective for buyers managing student loan payments while trying to enter the housing market. As a trusted Montrose, CA Realtor, Vic emphasizes that building equity through homeownership provides long-term financial benefits that renting cannot offer, including fixed housing costs, potential tax deductions, and wealth accumulation.

Understanding which real estate agent in Montrose, CA to work with has become increasingly important under new buyer representation laws. The Vic Markarian Realty Group has repeatedly helped their buyers win competitive bidding situations, sometimes with offers $50,000 less than competing bids, by leveraging their extensive market knowledge and negotiation expertise.

The team’s success is reflected in their outstanding reputation, with over 800 five-star reviews from satisfied clients across Zillow, Google, and Yelp. Vic Markarian has earned California’s Top 10 Real Estate Agent designation multiple years running—an achievement reached by less than 0.05% of agents nationwide. As a leading real estate selling agent in Montrose, CA, serving a community known for having some of the best schools in the nation, the team continues to prioritize client success above all else.

Don’t let student loans hold you back from homeownership. Visit www.markarianrealty.com today to discover how the Vic Markarian Realty Group can help you achieve your dream of owning a home.