Roy Edwards of People's Choice Brokers
is your Real Estate Agent for San Luis Obispo County

and your Loan Originator for purchase or refinanace
mortgage loans in all of California.
* Heritage Ranch and
Lakeview gated communities
near Lake Nacimiento		 * Coastal towns of Cambria, Cayucos, Moro Bay, Los Osos, Pismo Beach, and Grover Beach * San Miguel which qualifies for rural no money down loans * Paso Robles, Templeton,
Atascadero, San Luis Obispo,
Arroyo Grande, and Nipomo
Borrowers:
Rates are at historic lows!
If you have at least a 640 credit score (including spouse if applicable) no recent forclosures nor bankruptcies nor significant collections,
click the equals sign for a loan application.
DRE# 01781125
NMLS# 356635
 Don't get stuck with a direct lender's product, let me shop the wholesale lenders on your behalf!
 Buyers:
If you have already filled out the loan application, or are paying all cash, or already have a pre-approval letter from a direct lender, click the keys to request an appointment.
Sellers:
If you are not wanting to do a short sale, you have at least 20% equity, and you are willing to price it to sell according to market, Click the sold sign for the seller's pre-listing form, which includes an appointment request.
Hi I'm Roy Edwards here to serve you for your real estate and mortgage needs in San Luis Obispo County.

For home buyers, I am the best at finding the bank owned bargains or luxury values. In addition, I work hard for you in the negotiations.

For sellers, if I list it, I will get it sold! I will see to it that your property is respected by agents and buyers and it is locked up when they finish looking. All showings will be during the time periods you set. I sell homes, commercial businesses, lots, ranches and estates.

For borrowers, I will get you pre-approved if you qualify and help you every step of the way to get the loan you want. For buyers, sellers, and borrowers, I listen to your wants, needs, and desires; follow up and communicate frequently; and as always, your transaction will run smoothly.

For Asset Managers, test me with listing one of your bank owned properties and after the quick sale you will want me to list all of your properties.


Click on the calculator to go to the mortgage table for minimum down payment. It will show your monthly payment and income required to qualify for a 30 year fixed FHA loan. A second table shows a conventional loan.
Other loans available including high balance, this calculator is just for minimum down payment/equity. I also offer 100% financing for purchases in rural areas that qualify for USDA loans.


       

Click here if you are just looking.