No Comments

New Listing! Move-In Ready


Move in ready 3 Bedroom 2 Bathroom single story home in Nice Northeast Santa Maria Neighborhood. This home with approximately 1,602 sq. ft. of living space has an open floor plan with a permitted sun room. Kitchen features Corian counter tops, updated cabinets and basin sink. Large Master Bedroom with new Granite counter top in Master Bath. Newer comp shingle roof and exterior paint. New Dual pane windows throughout. Back yard with patio, fruit tree, dog run and included hot tub. Green belt right across the street. Close to Santa Maria Valley Multipurpose and River trail and easy 101 Freeway access **Information deemed reliable but not verified or guaranteed by broker**
Shea Hutchinson 805.260.6322

Written by Keith Byrd - Go to Keith's Website/Profile

No Comments

Rates Reach Yet Another Low of 2017!!

Now is the time to refinance before rates increase again!!

Refinancing with Central Coast Lending allows borrowers flexibility with their mortgage!

  • We can decrease the term of the loan to save thousands off future interest payments.
  • Help lower the interest rate, reducing monthly payments.
  • Remove mortgage insurance on loan.*
  • With rising equity, now is a great time to consider cash out refinance, for those long delayed home improvements, college tuition payments, etc.

It’s possible to accomplish all this while keeping the payment the same!

Written by Central Coast Lending - Go to Central Coast Lending's Website/Profile
805.543.LOAN info@centralcoastlending.com
No Comments

New Listing! Templeton Home on 30 Acres


Beautiful nearly 30 acre property in a great location of rolling hills, oak trees and vineyards in the distance. Home sits on top of the hill. Incredible views of Atascadero, Templeton and Paso Robles. The sunsets are unbelievable. This family home has a big open living room with rock faced wood burning fireplace, breakfast bar, u-shaped big kitchen and large separate dining area. Covered patio off the living room leads to a grassy back yard. Enjoy the sunsets from the Master bedroom deck. Master bedroom suite has double vanity sinks and dressing area. Lower grassy area is great for cattle or perhaps horses. Orchard off to the side with table grapes, almond trees and pistachio. Enjoy the quiet of living in the country, but not far out of town. Templeton school district. Separate (as is) mobile home has it’s own propane and electric. Makes for a great family & friend compound for gathering and visiting nearby vineyards & wine tasting.
JoAnne Bruner 805.540.8225

Written by Keith Byrd - Go to Keith's Website/Profile

No Comments

Mortgage Rates Hit New 2017 Lows

The Freddie Mac mortgage rate decreased this week for the third consecutive week to the lowest level of 2017! It decreased by just 1 basis point to an APR of 3.94%. APR still remains higher than the APR a year ago when it was at a level of 3.66% APR.

Attributed to Sean Becketti, chief economist, Freddie Mac.

“In a short week following Memorial Day, the 10-year Treasury yield fell 4 basis points. The 30-year mortgage rate remained relatively flat, falling 1 basis point to 3.94 percent and once again hitting a new 2017 low.”

Written by Central Coast Lending - Go to Central Coast Lending's Website/Profile
805.543.LOAN info@centralcoastlending.com
No Comments

New Listing! Exquisite Pismo Beach Home!


Spectacular ocean views from every room! Welcome to the best Pismo Beach has to offer. This hill top home is located in a quiet, well respected neighborhood and features two master suites, and a private indoor swimming pool and spa. Upon entering this home, you’ll experience the dramatic architectural lines highlighting the open floor plan. With over 5000 sq. ft of living space, this home is perfect for entertaining and waiting for you to call it home!
Collette Kutil 805.801.8114

Written by Keith Byrd - Go to Keith's Website/Profile

No Comments

New Listing! Beautifully Remodeled 3 Bedroom 2 Bath Home


Beautifully remodeled 3 bedroom, 2 bath, one story home in Orcutt! Brand new rile roof, interior paint, planked tile flooring, updated kitchen with lots of storage that flows into the family room with beautiful wood cathedral ceilings and skylight. This home also features update full bath in the hall with pretty vanity as well as a remodeled master bath complete with dual sinks and glass shower. Huge RV parking both on the side and behind the gate, totaling 81′ long with 16ft gates. Two sheds (one measures 10’6 x 17’4L with 12′ height) for storage. 18 fruit trees, new fencing, solar lighting and great privacy. This home has so much to offer! Located on a cul-de-sac too.
Wendy Teixeira 805.310.3505

Written by Keith Byrd - Go to Keith's Website/Profile

No Comments

New Listing! 3 Bedroom 1 Bath Condo

Surrounded by majestic California Oaks, nestled in a private end unit, this 1575 sq. ft., 3 bedroom, 2.5 bath condominium lives large, allowing lots of natural light to flood each room. You’ll be greeted by beautiful wide plank manufactured hickory wood floors. The living room has a wood burning fireplace perfect for those chilly evenings. For privacy its windows are clad with plantation shutters. The open space concept on the main floor, is expansive with the living, dining, and kitchen areas, melding into one another while inviting you to step-out onto the rear patio. The kitchen has been handsomely updated with custom painted cabinetry, recessed lighting, Corian counters and a dual deep basin stainless steel apron sink. The indoor laundry closet is perfectly located. Upstairs the master bedroom has another custom application of great accent beams on the ceiling and French doors opening to a private balcony deck. It also enjoys a private en-suite with two custom vanities and spacious walk-in shower. The auxiliary bedrooms are also on the second floor, each light and roomy. All baths have been updated. The outdoor spaces rival the well-finished interior. On the back deck there is a fish pond and tiered areas for entertaining and dining. In addition the hot tub is a terrific place to wind down after a long day. Located central to the lake, parks, transportation, eateries and schools, this home has everything in close proximity.
LeeAnne Fisher 805.440.0251 or George Fisher 805.400.9839

Written by Keith Byrd - Go to Keith's Website/Profile

No Comments

New Listing! 3 Unit Ocean View Complex


Hard to find three unit ocean view complex in popular Pismo Beach! Walk to shops, restaurants, bars and — the beach! Beautifully and professionally maintained, each unit offers a beach feel and tropical theme. Use for your personal vacations or rent the separate units, or as the current sellers do: Do both! Three locked garages allow for securing recreational toys, too.
Wendy Teixeira 805.310.3505

Written by Keith Byrd - Go to Keith's Website/Profile

No Comments

New Listing! Upgraded 3 Bedroom Orcutt Home

Beautifully upgraded 3 bedroom, one story home in Orcutt. This home was custom built in 1985 and includes a formal living and dining area, large updated kitchen complete with granite tile and breakfast bar. The bathrooms are nicely tiled and roomy. Too many upgrades to mention! Just come see for yourself! This great home also offers a large RV parking area and a backyard fit for entertaining.
Wendy Teixeira 805.310.3505

Written by Keith Byrd - Go to Keith's Website/Profile

No Comments

2017 USDA Income Limits Update

2017 USDA Income Limits Update

The income limits for the USDA Single Family Housing Guaranteed Loan Program were recently updated and increased for new mortgages originated in 2017.  The maximum eligible income for this loan program is defined as the greater of 115% of the US median family income or 115% of the average of the state-wide and state non-metro median family incomes or 115/80ths of the area low-income limit.  The updated limits became effective on May 17, 2017.

 

The income limits for the local Central Coast area are as follows:

 

San Luis Obispo County

  • 1-4 Person Household – $93,950
  • 5-8 Person Household – $124,000

 

Santa Barbara County

  • 1-4 Person Household – $104,200
  • 5-8 Person Household – $137,550

 

Link to the directly to the USDA Single Family Housing Guaranteed Loan Program here, or directly to the USDA income document here.

Written by Central Coast Lending - Go to Central Coast Lending's Website/Profile
805.543.LOAN info@centralcoastlending.com