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.

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.

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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
  • Supreme Court to Hear WOTUS Case

    The Supreme Court has agreed to take up the dispute over which lower courts have jurisdiction to hear challenges to the Obama administration's Clean Water Rule. The Court will reconsider the 6th U.S. Circuit Court of Appeals' decision to hear legal challenges over the rule, which is also known as Waters of the U.S., or WOTUS. More than 30 states and many industry and farm groups, including NAR, have challenged the joint U.S. EPA-Army Corps of Engineers rule redefining what waterways and wetlands receive protection under the Clean Water Act. In... Read More

  • Under New Congress, NAR Keeps Focus on You

    REALTORS® are gearing up for what is expected to be a busy first three months of the legislative season as a new Congress and new Administration tackle a number of priorities that affect real estate, including tax reform, the Affordable Care Act, regulatory reform, reauthorization of federal flood insurance, and what to do about Fannie Mae and Freddie Mac.   Regulatory reform   Right out of the gate, the House took a stab at regulatory reform, passing a measure that would give Congress more say in the rules federal agencies propose. The... Read More

  • NAR Endorses Dr. Ben Carson

    On Thursday, January 12th, Dr. Ben Carson testified before the Senate Banking Committee as the nominee for the Secretary of the Department of Housing and Urban Development. During the hearing, Dr. Carson defended the critical role of the FHA mortgage insurance program. He also spoke about the importance of the American Dream of homeownership. Following the hearing, NAR sent a letter of support to the Banking Committee urging them to approve his nomination and move the vote to the Floor. The letter also notes Dr. Carson clear understanding of the key role that housing plays in the health of... Read More

  • FHA Lowers Premiums

    On January 9, 2017, the Federal Housing Administration (FHA) announced it would reduce FHA annual mortgage insurance premiums (MIP) by 25 basis points.  This reduction is a victory for the National Association of REALTORS® whose members have called for lower fees on FHA loans given the ongoing strength of the Mutual Mortgage Insurance Fund, which exceeded the required reserve ratio for the second year in a row.  The premium reduction will be effective for most new mortgages with a closing/disbursement date on or after January 27, 2017 (excluding Section 247 Loans,... Read More

  • HUD Floodplain Elevation Standard

    On October 28, 2016, the Department of Housing and Urban Development (HUD) proposed to raise its standards for FHA insurance in high risk flood zones. Currently new homes must be built to the 100-year or base flood elevation (BFE) but the agency is proposing to add two feet for floodplain new construction or substantial rehabilitation. While NAR is open to considering a more conservative construction standard to reduce flood insurance rates and avoid other flood-related issues with selling property down the road, NAR does not believe the agency has met its analytical responsibilities under... Read More

  • Private Flood Insurance Regulation

    On November 7, 2016, several Federal agencies (including the Federal Reserve and FDIC) jointly proposed to ease their regulations of private flood insurance. NAR generally supports clarification so lenders may accept private market options in addition to the National Flood Insurance Program. While supportive of the overall approach, NAR urged the agencies to go further and adopt the Flood Insurance Market Modernization and Parity Act (HR 2901 by Reps. Ross (R-FL) and Murphy (D-FL)), which passed the House 419-0 but was not taken up by the Senate in the last session of Congress. The bill... Read More

  • FHA Mortgage Insurance Premium Reduction a Fresh Start, Says NAR President Brown

    WASHINGTON (January 9, 2017) – Lower costs are coming for homebuyers seeking a Federal Housing Administration -insured mortgage. FHA announced today that they are cutting annual premiums for mortgage insurance from 0.85 percent to 0.60 percent, a move the National Association of Realtors® said breathes new life into the program. “FHA mortgage products exist to serve an important mission: providing homeownership opportunities to creditworthy borrowers who are overlooked by conventional lenders,” said NAR President William E. Brown, a Realtor® from... Read More

  • REINS Act Passes House

    Supported by NAR, on January 5th the U.S. House of Representatives passed the "Regulations From the Executive in Need of Scrutiny Act," H.R. 26. The bill would require congressional approval of federal regulations with an estimated annual economic impact of more than $100 million.  This Act will add transparency and accountability to the regulatory process. Two amendments were adopted: The first would require each agency promulgating a new rule to identify and... Read More

  • GSE Announce New Modification Program

    On Dec. 14, 2016, the Federal Housing Finance Agency (FHFA) announced the development and implementation of Fannie Mae and Freddie Mac’s new Flex Modification program which will replace the Enterprises’ current Home Affordable Modification Program (HAMP®) which expires at the end of the year.  The program incorporates elements of a joint white paper developed by the U.S. Department of the Treasury in conjunction with the U.S. Department of Housing and Urban Development (HUD) and FHFA titled Guiding Principles for the Future of Loss Mitigation. Terms of the program... Read More

  • International Money Laundering Organization Issues U.S. Recommendations

    The Financial Action Task Force (FATF), an inter-governmental body created to promote policies related to anti-money laundering and combating the financing of terrorism (AML/CFT), released a new report on the United States, which is one of 32 member countries pledging to implement FATF recommendations.  Last updated in 2006, the FATF report revealed improved and well developed AML/CFT measures by the U.S., especially by financial institutions subject to ... Read More