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my_pic.jpgGene Perez

BRE 01321588/

NMLS® 289430

PH 805.448.7101

Call Me To See What YOU Qualify For Now



Communities In and Around The Area

The Santa Maria real estate markets are made up of many smaller communities and neighborhoods. These present variety and each has its own unique characteristics. Whether it’s location and what’s in the neighborhood or nearby, or it’s simply the price ranges of the homes in the area, there will be differences and we want to help our site visitors to understand those differences and use the information here in making lifestyle decisions.

Use our neighborhood profiles here and map resources to determine the best areas for you, or just to familiarize yourself with the Santa Maria real estate markets from a “neighborhood–up” approach. Knowing the amenities and culture of these various neighborhoods will give you a better perspective on living in the Santa Maria real estate markets, or in selling your home’s neighborhood to potential buyers.

Below is a simple calculator to just give you an idea of getting a home loan.  IT DOES MEAN THAT YOU CAN OR CANNOT get a home loan.  It is only for general information.  Please call me to find out what you may qualify for or what you may need to do so that we can qualify you. 805.448.7101.

The Calculator is just to give you an idea of your payment whether you are applying for a VA Home loan, conventional home loan , or a FHA home loan.

Get A Home Loan
Purchase Information
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Payment Information
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Monthly Payment (PITI) ---

Tax Deductable Portion of Payment ---

Qualifying Information
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Qualify for Loan? ???

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Current Income to Payment Ratio (Max = 28%) ---

Current Debt to Income Ratio (Max = 36%) ---


Contact Info
Gene Perez

BRE 01321588 / NMLS 289430

Valley Hills Realty

124 W. Main st. Ste A
Santa maria  California 93454


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