Welcome

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." 
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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.

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
  • Regulators Finalize QRM Rule

    After three years of strong opposition from NAR, congressional leaders, and consumer and industry groups, the six financial regulators released the final version of the long-awaited qualified residential mortgage (QRM) rule. The six regulators listened to NAR when finalizing the rule which now equates QRM with the “Qualified Mortgage (QM)” standard. As originally proposed, the QRM rule would have narrowly defined QRMs to require a 20 percent down payment. REALTORS® were among the most vocal opponents of the originally proposed QRM rule and forged the broad-based... 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 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.  Click here to download the template of a letter that describes how this proposed rule would negatively affect property rights, small... Read More

  • NAR Comments on RESPA/TILA

    On Wednesday October 29, 2014 NAR submitted comments to the Consumer Financial Protection Bureau (CFPB) on changes to the Real Estate Settlment Procedures Act (RESPA) and the Truth in Lending Act (TILA) rule. CFPB has proposed giving lenders a full day to redisclouse the loan estimate when the loan is locked in.  NAR believes the extra time to disclose will give consumers more flexibility in deciding when to lock in loans because lenders will not have to worry about getting the disclosure to the consumer that same day. NAR also promised to continue to work with CFPB and industry to... Read More

  • Regulators Propose Tweaks to Flood Rules

    Regulators released a joint proposed rule today that would require lenders to escrow flood insurance payments and eliminate mandatory insurance requirements for structures that are detached from a primary residence. The rule would require lenders to escrow premiums and fees for flood insurance for loans secured by residential improved real estate or mobile homes that are made, increased, extended or renewed after Jan. 1, 2016, unless the lender or the loan... Read More

  • Realtors® Say QRM Rule Will Provide Clarity in Housing Finance Market, Benefit Consumers

    WASHINGTON (October 21, 2014) – The following is a statement by National Association of Realtors® President Steve Brown: “NAR applauds the Federal Deposit Insurance Corporation for finalizing the Qualified Residential Mortgage rule today, which includes a broad definition of QRM and aligns with the Qualified Mortgage standard implemented earlier this year. “Realtors® are confident that the new QRM rule will encourage sound and financially prudent mortgage financing by lenders while also ensuring responsible homebuyers have access to safe and... Read More

  • QRM Mortgage Rule Could Ease Credit for Consumers

    No minimum down payment, as NAR sought The mortgage financing environment for households could improve as a result of a rule federal regulators are releasing starting today. The Federal Deposit Insurance Corporation is the first of six financial regulators to release the final version of the long-awaited qualified residential mortgage (QRM) rule, which stems from the big 2010 banking reform bill the federal government enacted after the financial crisis. The QRM rule provides a set of requirements a loan must meet to be considered a safe loan and eligible to be... Read More

  • NAR Meets With FAA on UAVs

    NAR recently met with Federal Aviation Administration (FAA) officials to discuss NAR's concerns and perspectives regarding the upcoming proposed rulemaking to regulate small Unmanned Aerial Vehicles (UAVs).   NAR encouraged the FAA to expedite this proposed rulemaking and quickly develop a regulatory framework for commercial use of UAV technology that addresses public safety and privacy concerns, but permits a commercial UAV industry to flourish and allows Realtors to safely use the technology if they choose to do so.  FAA officials stated that they were moving forward... Read More

  • NAR Supports Efforts To Improve Credit Liquidity

    On Oct. 13, 2014, NAR submitted comments on the Federal Housing Finance Agencies proposal to create a Single Security that could be guaranteed by either Fannie Mae or Freddie Mac (the government-sponsored enterprises or GSEs).  The multi-year development of a single GSE mortgage backed security (Single Security) is part of the development of the common secondary mortgage market securitization platform being developed by FHFA and the GSEs.  NAR has supported the development of the securitization structure, which functions like a utility, since last year.  Having a single GSE... Read More

  • FY 2015 Rural Housing Funds

    Funding for Rural Development’s Single Family Housing Guaranteed Loan program is now available for fiscal year (FY) 2015.  The funding received is based on a Continuing Appropriations Resolution, 2015 (P.L. 113-164, H.J. RES.124). Loans that were issued Conditional Commitments “subject to” commitment authority will be obligated on the Agency’s Guaranteed Loan System (GLS). If the loan has closed, the lender may submit their request for Loan Note Guarantee... Read More

  • FHA Letter on Note Sales

    On Oct. 16, 2014, President Steve Brown sent a letter to FHA Commissioner Carol Galante in response to member concerns about the Single Family Note Sales Program (SFLS).  Many REALTORS® are concerned that the program is auctioning large pools of mortgages to the highest bidder, in some cases without considering the investor’s ability to achieve homeownership preservation and affordable housing goals.  NAR provided recommendations to improve FHA’s pre-foreclosure sales process as well as place additional controls on the SFLS program to prioritize keeping owner-... Read More