We Can Help!

We are available all day from 8:30 am to 9:00 pm to help answer your questions. So please feel free to call us at 805-709-7646 or 805-709-8535 or email us at OceanBreezeRE@gmail.com.

Chances are, you or someone you know in the Pismo Beach, Santa Maria or Central Coast area is facing the possibility of foreclosure. But you need to understand that you are not alone and there are a number of options.

Today, approximately 1 in 7 homeowners in America is in a distressed situation behind on mortgage payments. Approximately 1 in 4 are upside down in the mortgage where they owe more than the house is worth. The government is working at alleviating the foreclosure pressure with various programs such as mortgage modification and HAFA short sales. Foreclosure can be avoided, your credit can be saved, and your financial future can be salvaged. In addition to the HAFA program (which has had some problems since it’s inception but is being re-evaluated and changes made) there is the traditional short sale which covers both owner-occupied homeowners and those homeowners of 2nd homes and investment properties.

More than ever it is important to work with agents who are experienced and knowledgable in short sales and the solutions available. As a Realtor team with the CDPE® Designation, we are kept abreast of the constant changes and new programs available. Through our experience handling short sales in Pismo Beach and the Five Cities area and Santa Maria and all of the Central Coast, we’ve found that homeowners today have more questions than answers about their circumstances. We have created this site to help you understand the possible solutions to avoid foreclosure, as well as provide a detailed explanation of short sales, which may be the best course of action for some homeowners.

We have numerous FREE homeowner resource reports available to you, including reports on mortgage modification scams, credit issues and more. Just click on the “Resources” tab above. We want you to have the material in hand that can help you in your situation. If you would like to know more about your options, please call us at (805) 709-7646 or (805) 709-8535 or email us at

We are here to help.

Spencer & Margaret Morris

Owners/Realtors

Ocean Breeze Real Estate

What is a CDPE®? A Certified Distressed Property Expert is a real estate professional who has become certified in assisting homeowners in distress with the complex issues facing them in today’s market. Through comprehensive on-going training and  market experience, CDPEs can provide real solutions. For more information, visit www.cdpe.com.

Ocean Breeze Real Estate assumes no responsibility nor guarantees the accuracy of this information and is not engaged in the practice of law nor gives legal advice. It is strongly recommended that you seek appropriate professional counsel regarding your rights as a homeowner.

DRE# 01388410 & 01415177