Buying & Selling Santa Maria Homes - Properties and Foreclosures

Santa Maria Real Estate Transactons week ending 09/03/2010

admin — Sat, 04 Sep 2010 15:22:55 +0000

These are the homes sold in Santa Maria and the Real Estate Transactions for the week ending in 09/03/2010 showing the median price of homes sold as well as days on the market.

To see the larger size of the image just right click.

If you have any questions about buying a Santa Maria home for sale in the Santa Maria Real Estate market or any properties on the Central Coastand need to get a loan in Santa Maria, CA or any where in the state of California not just on the Central Coast please contact me by sending me an email at: GenePerez@GMSLoans.net

I do also service all the nearby communities and other markets such as the Santa Ynez real estate market, Nipomo Real estate market, Arroyo Grande real estate market, Grover Beach Real Estate Market, and all other surrounding areas regarding the homes on the Central Coast.

my goal is to provide you with resources you need. I can also help in getting the financing for your home. If you have any suggestions or questions in how I can provide more or better

information please let me know. I have been helping my clients for the last 15 years on the Central Coast, Gene Perez – 805-448-7101 , DRE 01321588

Important Disclaimer: Questions and answers provided on this website and by Gene Perez is to be considered general information, and is not intended to substitute for informed professional financial, tax, legal, investment, accounting, or other professional advice.

Is Your Mortgage Consultant Reputable?

admin — Fri, 03 Sep 2010 19:36:13 +0000

Taking the step into home ownership is one of the most important financial decisions a person will make in their lifetime. There are many factors to consider when embarking on this venture. There are still many loan programs available, and it is important to find the one that best fits your personal long-term goals.

First and foremost, you must have a mortgage consultant in your corner that is willing to take the time to know what your long-term goals are. Communication is the key factor here, to know what your long term plans are. Whether you plan on buying a home for sale in Santa Maria, Ca. or any where, across the nation, communicate your goals.

Curious prospective home buyers sometimes turn to Internet-based services just to see what current interest rates are. But a faceless web site will not take the prospect’s future financial planning into consideration or guide the potential borrower through the many nuances of the loan process. When shopping for a home loan, be wary of web-based services that offer programs to reel prospects in with attractive rates that are based upon unrealistic time frames. Also please keep in mind that rates that are published apply to no one specifically and are basically rates for the most ideal situation. In getting a home mortgage rate for your loan a mortgage consultant will have to ask you various questions about your current financial situation in order to determine what program you qualify as well as what rates you qualify based off of your personal situation.

If a lender is offering a terrific rate based on a 10-day lock-in period, it is unlikely that the potential home owner would actually be able to find their dream home, get through the negotiation process and win approval from a lender within such a short period of time. This is called short-pricing, and when it comes time to close the transaction, the rate that was originally offered is simply no longer available. As a result, the unfortunate prospect is bulldozed into a loan program with a higher interest rate. Even though there are new lending guidelines that are suppose to curb these practices. There are still and always will be those in any business sector that are less than honest and will take advantage of someone when the opportunity arises. Currently underwriting guidelines are much more stringent and than ever before you need to have at least a 30 day lock pricing, even better 45 day lock.

It is highly unlikely that a qualified loan originator whose business is based upon referrals will use unscrupulous tactics such as this to get new customers in the door! But if you are dealing with someone over the internet, that person is not looking for new customers to come through the door. Not to say that there are not any reputable mortgage consultants that operate over the internet just do some homework on, who it is you are dealing with.

Once you have found a mortgage consultant that you feel comfortable working with, lay your goals out on the table because it will have a tremendous impact on choosing a loan program that meets your specific needs. One of the most important factors to consider is how long you wish to borrow the money for. For example, if you know you will only be in the home for five years, it wouldn’t make sense to opt for a 30-year loan program or pay points up front to secure a lower interest rate. You would not be in the home long enough to benefit from such action. Not everyone has the same goals, so its important to let your mortgage consultant know what your plans are.

Your mortgage consultant should be able to narrow down a selection of programs based on the information that you have provided, and present you with an easy decision based off of your information. Explaining the rate and amortization schedule, monthly payment and any potential savings you may realize by paying points up front.

Moreover, a reputable loan originator will not hesitate to share this information with your tax consultant or financial planner so they may offer additional feedback on your behalf.

Home ownership imparts a rewarding vehicle for building wealth and a strong financial future. There are many homes for sale in Santa Maria and across the nation that will you’re your needs and goals. The mortgage consultant that you choose should be there not only when your loan closes, but should also provide you with ongoing service to assist you in managing that debt over time. As well as any future concerns you may have.

my goal is to provide you with resources you need. I can also help in getting the financing for your home. If you have any suggestions or questions in how I can provide more or better

information please let me know. I have been helping my clients for the last 15 years on the Central Coast, Gene Perez – 805-448-7101 , DRE 01321588

Homes Sold In Santa Maria As Short Sales

admin — Wed, 01 Sep 2010 20:57:20 +0000

Short sales in Santa Maria are still a big factor of the real estate market in Santa Maria and there is still a large presence of homes that are sold and listed as short sales. Please do keep in mind that the short sale process is long and can be very tedious sometimes lasting as long as a year.

To see the larger size of the image just right click.

my goal is to provide you with resources you need. I can also help in getting the financing for your home. If you have any suggestions or questions in how I can provide more or better

information please let me know. I have been helping my clients for the last 15 years on the Central Coast, Gene Perez – 805-448-7101 , DRE 01321588

Santa Maria Foreclosures Sold For August, 2010

admin — Wed, 01 Sep 2010 20:45:58 +0000

If you are still on the fence and trying to decide if you should of bought or curious as to the homes being sold in today’s market here is the list of homes sold in August that were listed as a foreclosure, this does not include land and or regular sales or short sales primarily foreclosures nor do they include homes that were sold at Trustee auction to investors these are homes that the bank took back from the homeowner and were listed on the Santa Maria Real Estate market for sale to the general public. If you decide that you would like to take advantage of the real estate market please let me know what you are looking for and I would be more than happy to help you.

Just Click Below

To See Santa Maria Foreclosures Sold

my goal is to provide you with resources you need. I can also help in getting the financing for your home. If you have any suggestions or questions in how I can provide more or better

information please let me know. I have been helping my clients for the last 15 years on the Central Coast, Gene Perez – 805-448-7101 , DRE 01321588

Santa Maria Homes For Sale Under 200k update 09/01/2010

admin — Wed, 01 Sep 2010 20:31:51 +0000

This level of price range on homes that are for sale in Santa Maria continues to be very competive especially with low interest rates. Inventory for these homes continues to be very limited when considering that the mortgage payment many times is lower than what the homeowner was paying when renting a home that is comparable. Creating a competitive market with not only homebuyers but investors at the same time keeping the market competitive with multiple offerings on the properties. Most properties in this price range primarily consist of homes that are foreclosed on or are in the foreclosure process which consist of short sales. This list primarily consist of homes no condos were included if there is a specific type of property that you may be interest please feel free to contact me on the type of property and area that you may be searching for.

Just Click Below

See Santa Maria Homes For Sale

my goal is to provide you with resources you need. I can also help in getting the financing for your home. If you have any suggestions or questions in how I can provide more or better

information please let me know. I have been helping my clients for the last 15 years on the Central Coast, Gene Perez – 805-448-7101 , DRE 01321588

Nipomo Homes And Land For Sale

admin — Wed, 01 Sep 2010 20:21:47 +0000

For a list of homes and land for sale in Nipomo, ca. as of 09/01/2010, please see the link below for more properties that you may have a specific criteria please let me know and contact me via email or phone. This list includes properties with at least one acre of land does not include raw undeveloped land or income property.

See Nipomo Homes And Land For Sale

my goal is to provide you with resources you need. I can also help in getting the financing for your home. If you have any suggestions or questions in how I can provide more or better

information please let me know. I have been helping my clients for the last 15 years on the Central Coast, Gene Perez – 805-448-7101 , DRE 01321588

Pismo Beach & Grover Beach Area Real Estate Transactions For August, 2010

admin — Wed, 01 Sep 2010 20:12:48 +0000

These are the homes sold in the areas of Pismo beach, Grover Beach, and the Real Estate Transactions for the month of August, 2010 showing the median price of homes sold as well as days on the market.

To see the larger size of the image just right click.

my goal is to provide you with resources you need. I can also help in getting the financing for your home. If you have any suggestions or questions in how I can provide more or better

information please let me know. I have been helping my clients for the last 15 years on the Central Coast, Gene Perez – 805-448-7101 , DRE 01321588

Santa Ynez and Buellton Area Real Estate Transactions For August, 2010

admin — Wed, 01 Sep 2010 20:08:09 +0000

These are the homes sold in the Santa Ynez and Buellton area and the Real Estate Transactions for the month of August, 2010 showing the median price of homes sold as well as days on the market.

To see the larger size of the image just right click.

my goal is to provide you with resources you need. I can also help in getting the financing for your home. If you have any suggestions or questions in how I can provide more or better

information please let me know. I have been helping my clients for the last 15 years on the Central Coast, Gene Perez – 805-448-7101 , DRE 01321588

Nipomo Real Estate Transactions For The Month Of August, 2010

admin — Wed, 01 Sep 2010 20:03:21 +0000

These are the homes sold in Nipomo and the Real Estate Transactions for the month of august, 2010 showing the median price of homes sold as well as days on the market.

To see the larger size of the image just right click.

my goal is to provide you with resources you need. I can also help in getting the financing for your home. If you have any suggestions or questions in how I can provide more or better

information please let me know. I have been helping my clients for the last 15 years on the Central Coast, Gene Perez – 805-448-7101 , DRE 01321588

Arroyo Grande Real Estate Transactions For August, 2010

admin — Wed, 01 Sep 2010 19:59:51 +0000

These are the homes sold in Arroyo Grande, Ca. and the Real Estate Transactions for the month of August, 2010 showing the median price of homes sold as well as days on the market.

To see the larger size of the image just right click.

my goal is to provide you with resources you need. I can also help in getting the financing for your home. If you have any suggestions or questions in how I can provide more or better

information please let me know. I have been helping my clients for the last 15 years on the Central Coast, Gene Perez – 805-448-7101 , DRE 01321588