Home Loans

YOUR SANTA MARIA HOME LOAN SPECIALISTS

PB & Associates is a licensed NMLS Broker with four licensed Loan Originators. Our brokerage offers “in house” lending for residential, investment and commercial real estate. We offer VA, FHA, USDA, self-employed programs and many other types financing. We work with more than 25 wholesale banks, giving our clients a variety of mortgage loan product options. As a mortgage broker, we are able to shop for 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.

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 home buyers can receive up to 18.5% down to obtain a conventional financing 1st mortgage with NO mortgage insurance. This benefits buyers in allowing them to have a mortgage at a significantly lower payment.*Must meet program guidelines to qualify. For more information contact one of our Loan Originators or visit http://www1.cityoflompoc.com/departments/comdev/programs/HomeBuyDownPayLoan/Program-Guidelines.pdf