Welcome

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
   

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.

Search Homes

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.

Find Nearby

  • Hospital
  • School
  • Pharmacy
  • Airport
  • Bank
  • Post Office
  • Nursing Home
  • Church

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Contact Info
Agent
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

Our RSS Feeds
  • FHFA Releases GSE Strategic Plan

    On August 15, 2014,The Federal Housing Finance Agency (FHFA) released a Request for Input on its Strategic Plan for 2015-2019.  The plan outlines the direction that FHFA will guide the GSEs while in conservatorship. Highlights: Goal 1: Ensure Safe and Sound Regulated Entities • FHFA needs to ensure that it is identifying risks to the GSEs, improving risk management weakness and, most importantly ensuring GSEs are in... Read More

  • FEMA Redesigns Map Service Center

    FEMA has announced a redesign of their Map Service Center (MSC). In addition to a streamlined and intuitive user interface, the upgraded MSC provides a number of new features and benefits to the public.  For a summary of changes, please see the New FEMA Flood Map Service Center factsheet. FEMA is encouraging all users to to try out the new site and provide them with any feedback you may have related to the redesign.

  • NAR Comments on Housing Finance Reform

    On Aug. 8, 2014, NAR President Steve Brown provided comments to the U.S. Department of Treasury in response to a request for Public Input on Development of Responsible Private Label Securities (PLS) Market.  In the letter, NAR highlighted principles for bringing private capital back to the mortgage market: NAR believes that the federal government must clearly, and explicitly, offer a guarantee of mortgage securities; Full privatization is not an effective option for a secondary market because private firms’ business strategies will focus on... Read More

  • CFPB issues $19.3 million Fine

    On Aug. 12, 2014, the Consumer Financial Protection Bureau (CFPB)  announced a consent agreement and $19.3 million in fines under the Real Estate Settlement Procedures Act (RESPA) and other laws with Amerisave Mortgage Corporation, its affiliate, Novo Appraisal Management Company, and the owner of both companies, Patrick Markert.  The decree targets various practices including the required use of certain services, markups of various services without any sign of additional work being done, and a number of other practices by the lender and appraisal management company.  The... Read More

  • Fannie Modifies Post Short Sale Qualifications

    On July 29, 2014, Fannie Mae announced changes to its waiting period policy following a preforeclosure sale (short sale) or deed-in-lieu of foreclosure (DIL). The current requirements that apply to waiting periods following a short sale or DIL provide for different waiting periods of 2 years or 4 years and set out different maximum loan-to-value ratios (LTV) for those timeframes. These requirements are being updated to remove the LTV restrictions tied to different waiting periods, and establish a standard 4 year waiting period, with a 2 year waiting period permitted if a borrower has... Read More

  • FHFA Seeks Input on Single Security for Fannie, Freddie

    On Aug. 12, 2014, the Federal Housing Finance Agency (FHFA), the regulator of Fannie Mae and Freddie Mac, published a proposed framework for how the two mortgage-finance companies might issue and back a single-type of mortgage-backed security (MBS). The framework is a key step on the way to development of a single security, which FHFA officials said will reduce borrowing costs for potential homeowners. It would also potentially reduce costs for Freddie Mac who has had to offer discounts on guarantee fees to make up for the price difference of their MBS versus Fannie Mae’s. Originally... Read More

  • FHA Short Sales Update

    Last month, the US Department of Housing and Urban Development (HUD) issued Mortgagee Letter 2014-15 allowing dual agency agreements in FHA short sales. Dual agency includes transactions in which two agents are working for the same broker and one agent represents the seller and the other agent represents the buyer. Dual agency also applies to a single agent who represents both the buyer and the seller in a short sale transaction. Some agents have received information from loan servicers that HUD will only allow a 3 percent commission if there is a dual agency agreement on an FHA... Read More

  • CFPB Webinar on RESPA/TILA

    On Tuesday Aug. 26, 2014 at 2:00 PM EDT the Consumer Financial Protection Bureau (CFPB) and Federal Reserve will be hosting a webinar on the implementation of changes to the Real Estate Settlement Procedures Act (RESPA) and the Truth in Lending Act (TILA). In addition to major changes to the loan disclosure and closing forms themselves, the new rules will require that the settlement statement be completed three days prior to closing. The new forms and rules go into effect less than one year from now and industry is working diligently to put together systems and train staff to deal with the... Read More

  • CFPB Meeting on RESPA/TILA

    On Tuesday July 29, 2014, NAR met with the  Consumer Financial Protection Bureau (CFPB) on the implementation of changes to the Real Estate Settlment Procedures Act (RESPA) and the Truth in Lending Act (TILA).  In addition to major changes to the loan disclosure and closing forms themselves, the new rules will require that the settlement statement be completed three days prior to closing.  The new forms and rules go into effect one year from now and industry is working diligently to put together systems and train staff to deal with the new forms and rules as well as... Read More

  • NAR Testifies on Flood Insurance

    On July 23, 2014, NAR testified on flood insurance before a Senate appropriations subcommittee. The hearing was called to evaluate FEMA’s first four months in implementing recent reforms to the National Flood Insurance Program (NFIP). REALTOR® Donna O. Smith (S.C.), who is overseeing NAR’s efforts on the NFIP, ably delivered the testimony for NAR.  REALTOR® Smith testified that overall, FEMA’s early decisions to conduct outreach and provide for broader rate relief and refunds have helped to calm real estate markets. While there has been progress,... Read More