Business Details
21 Years
experience
Your Trusted Partner for Real Estate and Home Loan Solutions
PB & Associates has been serving the Central Coast community since 2005, dedicated to providing exceptional real estate and home loan services. With over 30 experienced agents and five licensed loan officers, we combine local expertise with nationwide resources to meet diverse client needs. Our team prioritizes client satisfaction through personalized service, innovative technology, and a commitment to community growth. We specialize in residential, commercial, and land transactions while offering in-house financing options through partnerships with 25+ wholesale banks. Our agents maintain active memberships in local and state MLS associations, ensuring comprehensive market exposure.Bilingual services and virtual appointments enhance accessibility for all clients. Recognized for 900+ satisfied clients and 3,000+ successful transactions, we remain Santa Maria's most trusted real estate team. Our mortgage specialists deliver competitive rates with no broker fees, and our home staging consultations maximize property value. As a locally owned business, we uphold transparency, ethical practices, and community stewardship in every transaction.
Services
Real Estate Services
Home Loans
Commercial Properties
Land Sales
Home Staging
Virtual Tours
Mortgage Refinancing
First-Time Buyer Programs
Military Relocation
Investment Properties
Details
- Year established: 2005
Highlights and features
- 19 years of Central Coast real estate expertise since 2005
- 30+ experienced agents with local market knowledge
- In-house mortgage financing through 25+ wholesale banks
- Bilingual Spanish-English services available
- Virtual tours and electronic signature capabilities
Associations and certifications
- NMLS
- Multiple Listing Service (MLS)
What people say
Exceptional attention to detail
Stressful experience feel seamless
Bilingual support available
Closing costs covered
Winning offer negotiation
Services
Real Estate Services
Our 30+ experienced agents specialize in residential, commercial, and land transactions across Santa Maria and the Central Coast. We utilize advanced marketing strategies and MLS network access to maximize property exposure. Clients benefit from personalized guidance through every transaction phase, including pricing strategy, negotiation, and closing coordination.
Home Loans
Five licensed loan officers provide in-house financing options for purchases, refinancing, and investment properties. We offer VA, FHA, USDA loans, and competitive rates through 25+ wholesale banking partners. Our specialists assist first-time buyers with down payment assistance programs and military families with PCS relocation financing.
Commercial Properties
Dedicated commercial real estate services include property listings, investment analysis, and lease negotiations. Our agents have specialized knowledge of Santa Maria's commercial market trends and zoning regulations. We represent both buyers and sellers in transactions involving office spaces, retail centers, and industrial properties.
Land Sales
We facilitate land transactions for residential development, agricultural use, and investment purposes. Our team provides accurate land valuations, title verification, and assistance with entitlement processes. Available properties include vacant lots, acreage, and development-ready parcels across Central Coast counties.
Home Staging
Professional home staging consultations enhance property appeal and maximize resale value. Our experts provide decluttering strategies, furniture arrangement guidance, and cosmetic improvement recommendations tailored to current market preferences. This service helps sellers achieve faster sales at optimal prices.
People
Paul Blanco
Broker
Founder of PB & Associates with 19 years of Central Coast real estate experience. Leads a team of 30+ agents and five loan officers while maintaining active MLS membership. Specializes in growing local real estate operations and community development initiatives.
Michelle Cothran
Realtor
Award-winning agent with expertise in residential sales and first-time homebuyer assistance. Recognized for exceptional client communication and successful transactions during challenging market conditions. Provides personalized support for sellers and buyers throughout the Santa Maria Valley.
Veronica Chavez
Loan Officer
Bilingual mortgage specialist with extensive knowledge of VA, FHA, and USDA loan programs. Facilitates smooth refinancing processes and helps first-time buyers achieve homeownership. Coordinates with realtors to ensure timely escrow closures and client satisfaction.
Sonya Haifi
Realtor
Licensed agent specializing in residential transactions with focus on client education and market analysis. Assists first-time buyers with down payment strategies and negotiates favorable terms for property acquisitions across Central Coast communities.
Lupe Lopez
Realtor
Experienced agent providing bilingual real estate services for Spanish-speaking clients. Expertise in first-time home purchases and military relocation. Collaborates with loan officers to streamline financing and closing processes for diverse buyer demographics.
Questions
What areas do you service?
We serve Santa Maria, Orcutt, Pismo Beach, Santa Ynez Valley, Lompoc, Vandenberg Air Force Base, and surrounding Central Coast communities.
Do you offer bilingual services?
Yes, several team members provide Spanish-English translation for real estate transactions and mortgage consultations.
Can you help first-time homebuyers?
Our specialists assist with down payment assistance programs, mortgage pre-approvals, and step-by-step guidance through the home buying process.
Do you have in-house mortgage options?
Yes, we offer in-house financing through five licensed loan officers and partnerships with 25+ wholesale banks for competitive rates.
What property types do you handle?
We specialize in residential homes, commercial properties, vacant land, and investment real estate across Central Coast counties.
Are virtual appointments available?
Yes, we provide virtual tours, electronic signatures, and remote consultations for buyer and seller transactions.
