Rayann and her team worked tirelessly to get us the right loan with the best terms. It wasn't easy with the many restrictions we brought to the deal, high mortgage rates and tight qualification requirements. They were creative and persistent... read more and positive until they found the right solution for us. We definitely recommend PB& Associates if you are looking to be treated right and get the deal that works for you.

always crazy how companies and businesses can take your money overnight but take months to return it. P&B associate housing process has been a nightmare. Now I’m out 1,100$ for a house I didn't even buy because they kept making... read more promises they couldn't keep.

I worked with Veronica Chavez from the Santa Maria office. She was wonderful, always willing to help. She made my experience great I would totally recommend her to anyone. She’s awesome and bilingual!!

Sonya Haifi was so amazing through the whole process of purchasing our first home! I would not be a homeowner today without her help and guidance. She and loan officer Veronica Chavez are great team. Their experience and expertise were... read more invaluable. Huge thanks to them for everything they did for us as we navigated this intimidating process!

Rayann made my first time buying an enjoyable process! I originally met with her to run numbers and even see if home ownership was an option for me. Within a day she was able to tell me my options, what... read more I qualified for, and what I would need to do to get my monthly payments where I wanted them to be. Having this information early on really helped guide what I needed to start looking for. Every step of the way she would be checking in, even running numbers for properties I'd be touring to get an idea of what we'd be working with. She was in constant communication with my realtor as well, working to make sure we had all the information needed when we were ready to make an offer. Once my offer was accepted, we were even able to close 5 days early! I cannot recommend Rayann enough. She knows this is a big decision and investment and makes sure you have the support you need. She is quick, personable, and will do everything she can to see the deal all the way through!

Sonya Haifa and Veronica Chavez were and amazing team for me in my home-buying process. Buying a home as a single women, it felt amazing to have these two women watching my back. They made themselves incredibly available to me... read more and HUSTLED. Sonja really listened to what I wanted and understood when a listing was “the one” and did everything in her power not just to get me the winning offer but also structured a deal with clever negotiation so that I put less down so I had money for needed renovation and also managed to get all my closing costs covered with smart post-inspection demands. Veronica got me an interest rate that had the notary at closing doing a double take. If I had not had these two I don’t think I would be a homeowner today.