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
We Do Not Charge You For Selling Your Short Sale
Gene Perez Your Mortgage Consultant NMLS# 289430

“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

CL , ADW, Blog, Casas

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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.

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News And Real Estate Changes Affecting  New Mortgage Home loans.

 

F.H.A. rule changes for mortgage borrowers


Home buyers with sketchy credit who are unable to qualify for conventional mortgages may now find it more costly and difficult to obtain loans insured by the Federal Housing Administration.

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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?
The housing market still looks pretty bleak but it is really a matter of perspective.  Although many of the homes in Santa Maria may still have mortgages where the owners are currently upside down in value.  You have to take into account when they bought their home if they bought it at the peak in 2005 –2006 then of course it was a bad investment.  But like stated before investing is all about timing.  But for those for those that are getting in and buying low and record low interest rates, buying a home in Santa Maria can be a great investment.  Real estate is a wide range of markets – homes, apartments, hospitals, office buildings, strip malls, dormitories and other properties. But our only focus is just on residential real estate, or homes. Here are more reasons to think residential real estate might represent a bargain , especially one of the Santa Maria homes for sale.

• 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.