GIF_Cropped.gif I would like to welcome you to my comprehensive San Diego real estate website. No other site provides more detailed San Diego real estate market information than you’ll find here. 

I am a third generation Realtor® with over 45 years of combined experience.  In the real estate field, experience and level of service matter. To find out more about the caliber of service you will receive please visit my About and Testimonials pages.

 For buyers there is detailed area and neighborhood information and a great Multiple Listing search page. For sellers I provide information and data to help you to ready your home for market and to list it so it sells. 

"Experience a Higher Level of Service." 


















Stephanie Garcia

For Buyers For Sellers
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The San Diego real estate market is made up of diverse and interesting communities and neighborhoods. I’ll tell you about each of them and let you narrow your search to the very best for you.

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My home search page is one of the most valuable tools on this site for both buyers and sellers. Keep your finger on the pulse of the market by visiting the real estate search page.

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Contact Info
Stephanie Garcia

Coldwell Banker West

BRE: # 01352954

1061 Tierra Del Rey, Suite 301
Chula Vista   CA 91910

Cell/Direct: 619-254-7171 Efax: 866-204-9504 Stephanie@SanDiegoHomeSalesOnline.com

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  • FHFA Changes GSE REO Policy

    On November 25th, 2014, FHFA Director Mel Watt announced that he would be directing the GSEs to alter REO policies that would allow all qualified buyers to purchase current Fannie Mae or Freddie Mac REO inventory at market value.  The change will allow previous homeowners who have been through foreclosure to purchase their home back at current market value, if available.  In addition, the change will also allow third-party purchasers to purchase the property on the previous homeowners' behalf.  Current financing rules still require a borrower who has been... Read More

  • NTSB Review Panel Finds FAA Rules Apply to Drones

    A four-member review panel at the National Transportation Safety Board (NTSB) reversed and remanded a decision made by an NTSB administrative law judge in the case Huerta v. Pirker, a landmark case dealing with the commercial use of drones and the FAA’s jurisdiction over them. The Pirker case began in October 2011 when Raphael Pirker was remotely operating an unmanned aircraft to take pictures and videos of the University of Virginia Medical Center in Charlottesville, VA.   As a result, Pirker was cited by the FAA and fined $10,000 for operating the... Read More

  • FHA Releases 2014 Actuarial Report

    On Monday, Nov. 17, 2014, FHA released its Annual Report to Congress and the FY 2014 Independent Actuarial Assessment of the FHA Mutual Mortgage Insurance Fund.  The review shows that the fund has gained $6 billion over the past year and the current economic net worth has improved to a positive $4.8 billion.  FHA’s current cash reserves to pay claims total $40 billion.  The capital reserve ratio is required to be at or above 2 percent and FHA is expected to meet that obligation by 2016.  Improvements can be attributed to: Serious delinquency rates... Read More

  • TRIA Lobbying Day in DC

    On Wednesday, Nov. 19, the Coalition to Insure Against Terrorism, or "CIAT," conducted a lobbying day on Capitol Hill, meeting with over thirty key members of Congress to urge for a long-term reauthorization of the Terrorism Risk Insurance Act of 2002, or "TRIA."  TRIA is currently set to expire on December 31, 2014, unless Congress takes action to reauthorize it.  A seven-year reauthorization bill passed the Senate in July (S.2244), but the House Financial Services Committee bill, which reauthorizes the program for five-years and makes several changes to the... Read More

  • Big RESPA Changes in 2015

    On Sunday, Nov. 9, 2014 NAR members heard from RESPA attorney Phil Schulman about the Consumer Financial Protection Bureau's (CFPB) changes to the Real Estate Settlment Procedures Act (RESPA) and the Truth in Lending Act (TILA) under the Dodd-Frank Wall Street Reform and Consumer Protection Act. The new rule combines the Good Faith Estimate with the Truth in Lending (TIL) disclosure now called the "loan estimate" and the HUD-1 settlement statement with the final TIL, now called the "closing disclosure."  Perhaps the greatest change is that the closing... Read More

  • NAR Urges Congress to Extend VA Limits

    The VA loan limits have remained at higher levels since 2008, at 150% of the GSE loan limits.  But that provision will expire on Dec. 31, 2014, if Congress does not act. The VA Home Loan Guaranty provides veterans and active-duty military personnel with a zero-downpayment home loan.  Those loans perform better than any other loan product on the market.  Currently, veterans living in high cost areas can use their guaranty to purchase home.  But this ability is in jeopardy.  The National Association of REALTORS® this week sent a letter to House and Senate... Read More

  • Urge Congress to Extend TRIA

    The Terrorism Risk Insurance Act of 2002 will expire at the end of 2014 without reauthorization from Congress. Show your support by responding to the Call For Action.

  • NAR Call for Action: Urge Congress to Extend Mortgage Debt Forgiveness Tax Relief

    The income tax exemption on mortgage debt forgiven in a short sale or a workout for principal residences expired at the end of 2013. Without immediate action by Congress, distressed homeowners will have to pay tax on “phantom income” from forgiven debt. Many families have decided not to go through with short sales or seek workouts because of the uncertainty over the status of the waiver. Please... Read More

  • President Obama Calls for Strict Net Neutrality Rule

    On Nov. 10, 2014, President Obama asked the Federal Communications Commission (FCC) to take up the strongest possible rules to protect net neutrality, the principle that says Internet service providers (ISPs) should treat all internet traffic equally. REALTORS® have been a vocal opponent of rules proposed by the FCC that would create a two-tiered Internet by allowing Internet Service Providers to charge subscribing companies a premium to boost website download speeds. In a comment letter to the FCC, NAR described the negative impacts that the “fast lanes” proposal would... Read More

  • EPA: Withdraw The Water Rule

    The Environmental Protection Agency (EPA) and the U.S. Army Corps of Engineers (The Corps) have issued a controversial proposed regulation that would place more water bodies under federal authority, which would result in more property rights violations, more time consuming and expensive permits, more regulatory red tape, and less economic development in communities across the country. The comment period closed on Nov. 14, 2014.  NAR signed onto two coalition letters, helped engineer comments from Congress, and circulated a model comment letter to Realtor members they could send... Read More