|
To Contact Us:
124 W. Main st. Ste. A Santa Maria, Ca. 93454 Phone: 805-448-7101 Fax: 805-352-1109
Email: GenePerez@GMSLoans.net |



|
“Gene, I really want to thank you for all of your knowledge, support, and the help you have provided in finding these investment properties for us. Cheryl and I have discussed this many times, and we really appreciate everything you have done for us. Again thanks, Brad” BRAD & CHERLY LENZ / SANTA MARIA
|
|
“Gene You have definitely proven you are an expert in your profession and we can testify to that. The manner in which you dealt with an unethical agent, very impressed, the time spent generating the appropriate documents we signed to purchase our home and to stay ahead of the game. You have made the process of purchasing a home easier than we thought”.
Gary & Evangiline Miller Santa Maria |
|
Real Estate Tip :
Use an agent you can trust and does real estate as their profession not as his or her hobby |
|
We use third-party advertising companies to serve ads when you visit our website. These companies may use information (not including your name, address, email address, or telephone number) about your visits to this and other websites in order to provide advertisements about goods and services of interest to you. If you would like more information about this practice and to know your choices about not having this information used by these companies, http://www.google.com/privacy_ads.html You can find additional information in Appendix A of the NAI Self-Regulatory principles for publishers (PDF) http://www.networkadvertising.org/pdfs/NAI_principles.pdf . Please note that the NAI may change this sample language at any time.
Third Party Advertisement Third Party Cookies Notification of Changes |
|
I have been helping my clients on the Central Coast for the last 15 years Whether you plan on buying a home or selling a home on the Central Coast in one of our local communities here in Santa Maria, Nipomo, Orcutt or Guadalupe, I can help. If you need financing to buy your home I can help you to get the financing you need, so you can get your new home or that investment property you are looking for. I have been in the business before all the hype of the Real Estate phase and my more than 15 years of experience and knowledge in the Real Estate process can help you answer any questions you may have. I am able to do California home loans and mortgage loans I also have access to programs for first time home buyer loans as well and if you find your self that you need to access your equity I can also assist in doing refinance home loans or just a simple mortgage home loans. Consultations Free No Obligation Check Out Our List of Free Resources & Tips |
|
$$$What Is Your Home Worth? $$$ If you want a history of current and recent homes that have sold in your area contact me to see current trends of your neighborhood.
|
|
News And Real Estate Changes Affecting New Mortgage Home loans. |
|
F.H.A. rule changes for mortgage borrowers
|



|
First Time Buyer Loans * FHA Loans * CalHfa * USDA Loans * Conventional Loans * Jumbo Loans * Reverse Mortgage Loans *Commercial Loans * 100% Financing Loans * 1% Down Payment Loans * Hard Money Loans *
If you lost your home 3 years ago you can qualify for a NEW HOME LOAN NOW ! If you filed bankruptcy 2-3 years ago you can qualify for a New Home Loan.
Call Me to find out what you may qualify for now - 805-448-7101 |
|
Is It A Good Idea To Get A Home With A Mortgage Home Loan?
Many of the home buyers and investors that I come across and are interested in buying one of the Santa Maria homes for sale and may need to get some kind of financing for a new mortgage home loan are on the fence waiting for some kind of sign as to whether it is a good time to invest into Santa Maria real estate or not. The Santa Maria real estate market is full of opportunity with interest rates being as low as they are and the homes in Santa Maria being at all time lows the time to buy is truly now. I know many home owners that have bought homes in Santa Maria in the past few years, only to eventually lose them. In fact most people know someone that have lost their home or going to lose their in the Santa Maria real estate market, only to end up being one of the many Santa Maria homes for sale . Real estate is like any investment it is all about timing and I do believe the timing for many thinking about getting into real estate and buying a home is now! Santa Maria real estate is truly primed to be a great investment here are several why real estate in general is a good investment whether it be Santa Maria real estate or not. Real Estate: Finally a good investment? • Does everyone hates real estate– When the housing market is in the dumps real estate is probably the worst place to be in next to the stock market. The Santa Maria real estate market is no exception. I have seen homes reduced in priced in today’s market up to 70% loss from the owner that lost the home. Its understandable that there is the fear of buying home or anything that may not be worth tomorrow what you paid for today. But for those that are getting a home and buying one of the Santa Maria homes for sale where the new home owner is now paying hundreds less in a mortgage payment than they were when they were renting real estate is a great for them. Not to mention the homeowners that lost their homes 3 years ago and are now buying a home today for less than half of what they owed on the home they lost and paying half of a mortgage payment for basically the same kind of home and even better than the home they lost. Real estate is a great investment for them. Many new home owners in the Santa Maria real estate market are home owners that lost their homes as well. But starting over in a better position than when they lost their home. • Smart people are buying real estate – Believe it or not there are more foreigners' buying real estate in the United States than the actual U.S. Citizens per transactions. You have to ask yourself why. As of right now Santa Maria real estate is cash flowing nicely due to a very strong rental market. If that is the case then real estate is turning out to be a good investment alternative to other investment vehicles such as CD’s or stocks or mutual funds. But like all investments you will still have to do your due diligence before you venture to buying any of the Santa Maria homes for sale. Have an agent searching the homes in Santa Maria on the Santa Maria real estate MLS can help you find some great deals. • Real estate performs well during inflation – Conventional wisdom says Treasury Inflation Protected Securities, commodities, and real estate do well in an inflationary environment. Real estate performed well during the period in the 1970s, when persistent inflation and high unemployment occurred. One thing to keep in mind is that they stop making land and even though there may be open land does that open land come with water, and utilities? Remember everyone is expecting due to our current deficit and other factors that hyper inflation is just around the corner. The cost of living is already increasing its just a matter of time before hyper inflation kicks in. There is not better time to start your search for Santa Maria homes on sale and having me help you search for that home in the Santa Maria real estate MLS. • Demand may be coming back – The reality is until there is sufficient jobs demand will not be coming back at full potential just yet. But keep in mind that when it does come back you will be paying much more than you could of. Everyone has done the would of, could of routine. Just ask yourself when it comes to buying a home in Santa Maria do you want to be the one wishing you did buy. Here is a saying from Warren Buffet richest guy in the world, on when to invest “buy when others are fearful and be fearful when others are greedy”. Santa Maria real estate presents many opportunities and if you are interested in looking at one of the many Santa Maria homes for sale do not hesitate to call me. I will do my best to find you the home in Santa Maria you are looking for using not just the Santa Maria real estate MLS but networking with agents that I have built relationships with as well as constantly promoting my services for homes in Santa Maria that have yet to be listed and sold. |