Your Santa Maria Home Loan Specialists
PB & Associates is a licensed NMLS Broker with six licensed Loan Originators. Our brokerage offers “in house” lending for residential, investment and commercial real estate. We offer VA, FHA, USDA, self-employed programs. We broker with more than 25 wholesale banks, giving our clients a variety of mortgage loan product options. As a mortgage broker, we are able to seek aggressive interest rates & NO broker origination fees, making our loans and closing costs competitive with national banks. Our Loan Originators are locally located in Santa Maria, Arroyo Grande and Lompoc. Available nights and weekends by appointment. For more information contact one of our Loan Originators or visit http://www1.cityoflompoc.com/departments/comdev/programs/HomeBuyDownPayLoan/Program-Guidelines.pdf
We partner with local programs like Coastal Housing Partnership. Together with our Realtors, buyers can receive up to 20% of the broker’s commission and a free appraisal to assist them with buying a home. For a list of eligible employers visit https://www.coastalhousing.org/member-employers.php In addition, PB & Associates has also partnered with the City of Lompoc and their Home buying Assistance program. First-time homebuyers can receive up to 18.5% down to obtain a conventional financing 1st mortgage with NO mortgage insurance. This benefits buyer in allowing them to have a mortgage at a significantly lower payment. *Must meet program guidelines to qualify.