I would like to welcome to you to my comprehensive San Diego Real Estate website.

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."  



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 Stephanie@SanDiegoHomeSalesOnline.com

Our RSS Feeds
  • USDA Guaranteed Loan Fee Change

    As of October 1, 2016, the upfront guarantee fee for USDA Guaranteed Loans is now 1.0% of the loan amount, a reduction of 1.75% from FY 2016.  The annual fee is now 0.35% of the average scheduled unpaid principal balance for the life of the loan, a reduction of 0.15% from FY 2016.  USDA Announcement on Fees

  • VA Specially Adapted Housing Grant Changes

    As of October 1, 2016, the U.S. Department of Veterans Affairs (VA) has increased the aggregate amounts of assistance available under the Specially Adapted Housing (SAH) grant program by 4.797 percent from FY 2016 levels, in alignment with an increase in the cost of building. On October 18, 2016, the VA proposed changes to the Veteran's Mortgage Life Insurance (VMLI) which provides mortgage protection insurance to SAH grant recipients. The VA is proposing to allow SAH grantees to take out VMLI in amounts less than both the statutory maximum of $200,000 and the amount... Read More

  • NAR Comments on Know Before You Owe Rulemaking

    On October 18, 2016, NAR sent a letter to the Consumer Financial Protection Bureau (CFPB) commenting on its recent proposed rule amending the Know Before You Owe (KBYO) regulation, or “TRID.”  While KBYO has resulted in more transparency for consumers and better accountability of financial institutions, ongoing compliance issues remain, costing time and money for consumers and the industry. As a result of these concerns, NAR urged the CFPB to: emphasize that lenders and title agents should share the CD with real estate agents, in accordance with... Read More

  • NAR Comments On GSE Reform Efforts

    On October 12, 2016, NAR submitted comments to the Federal Housing Finance Agency (FHFA) on its request for input on credit risk transfer policy issues. In an effort to engage more private capital in the secondary mortgage market, Fannie Mae and Freddie Mac have been experimenting selling off portions of credit risk the entities normally retain and collect fees on. In the letter to FHFA Director Mel Watt, NAR President Tom Salomone outlined principals for both housing finance reform and credit risk transfer transactions, which have been part of nearly all major... Read More

  • Court Sides with PHH Upholding RESPA Section 8

    On October, 11, 2016, the U.S. Court of Appeals for the D.C. Circuit issued an opinion in the case of PHH v. CFPB. In this case, the court vacated a $109 million penalty imposed by the Consumer Financial Protection Bureau (CFPB) against PHH Corporation for allegedly violating the Real Estate Settlement Procedures Act (RESPA) by paying for referrals where there is federally related mortgage. The court held in favor of PHH, stating that payments for bona fide services provided and made at fair market value do not violate RESPA, reinforcing NAR’s... Read More

  • NAR Comments on ADA Website Accessibility

    On October 7, 2016, NAR President Tom Salomone submitted a comment to the Department of Justice (the Department) regarding their May 9, 2016, proposed rulemaking under Title II of the Americans with Disabilities Act (ADA) concerning the accessibility of Web information.  While this rulemaking will result in regulations that only apply to state and local governments covered by Title II of the ADA, the Department noted that this rule will help with development of a rule for website accessibility under Title III of the ADA, which governs public accommodations, including real... Read More

  • Wildfire Webinar Scheduled

    A NAR-sponsored webinar on Wildfires and their Impact on Real Estate has been scheduled for Thursday, Oct. 27, 3:00 PM Eastern Time.  The purpose of the webinar is to educate Realtors about the dangers of wildfires and how they can help homeowners and their clients protect their property. Among the speakers on the webinar will be Michele Steinberg, a wildfire expert with the National Fire Protection Association. Wildfires are becoming increasingly dangerous to property owners. The Wildland-Urban Interface (aka, the WUI), areas across the country where the built... Read More

  • FHA Revises Handbook on Appraisals

    On October 6, 2016, NAR sent a letter to the Department of Housing and Urban Development (HUD) Secretary Julián Castro thanking him for listening to NAR’s concerns and revising the Single Family Housing Policy Handbook 4000.1 (the Handbook) appliance review requirements for FHA appraisals. The update to the Handbook, released on September 30, 2016, removed the language that an appraiser “must operate all conveyed appliances and observe their performance,” and replaced it with “must note all appliances that remain and contribute to the market... Read More

  • Hot Topic Alert: Homeowner Associations

    Download (PDF 2.5MB) More than half of the owner occupied households in the U.S. are part of a homeowner association (HOA). HOAs provide a variety of services to the community in which it belongs—lawn maintenance, snow removal and uniformity in home appearance just to name a few. However, HOAs with too many restrictions may deter potential buyers. In 21 states, HOAs have “super liens” for unpaid assessments, meaning the HOA could... Read More

  • FHA Single Family Handbook Update Delivers Clarity for Appraisers, Say Realtors®

    WASHINGTON (October 5, 2016) — Realtors® raised concerns earlier this year when the Federal Housing Administration’s “Single Family Housing Policy Handbook” included new requirements for appraisers to operate and physically observe appliances on a property during the completion of an appraisal. This inspector-type role far exceeded previously understood appraiser duties and... Read More