Welcome

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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."  

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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 Stephanie@SanDiegoHomeSalesOnline.com

Our RSS Feeds
  • Monday Minute - Week of Sept. 26, 2016

    Congress is still in action this week and will be focusing on several issues of importance to REALTORS®. The House Financial Services Committee will review various legislative proposals on credit scoring, while the Small Business Committee will examine the FAA’s new regulatory framework for commercial drone operations.  Read this week's committee schedule

  • NAR Sends Letter on Energy Codes

    NAR sent a letter to members of Congress this week, urging them to move forward with legislation which would address several national energy challenges, including energy efficient building codes.   H.R. 8 includes language that would encourage meaningful energy savings for buildings by ensuring that new model building energy codes are achievable, technology-neutral and cost-effective.  The “Blackburn/Schrader” provision also increases transparency, requiring the Department of Energy (DOE) to publish all proposals/analysis, and strengthens DOE’s role as a... Read More

  • Monday Minute - Week of Sept. 19, 2016

    Both the Senate and House are in action this week and will be focusing on several issues of importance to REALTORS®. In the Senate, the Banking Committee will examine the regulatory response to Wells Fargo's unauthorized accounts and the Homeland Security & Governmental Affairs Committee will continue its review of agency regulatory guidance. In the House, the Natural Resources Committee discusses the White House greenhouse/climate change guidance and the Transportation & Infrastructure Committee focuses on FEMA's local land use development decisions. The Financial... Read More

  • ASB September 2016 Q&As

    The Appraisal Standards Board has issued the September Q&As for the 2016-17 edition of Uniform Standards of Professional Appraisal Practice. The Q&As address using drones in appraisal inspections and Restricted Appraisal Reports concerning multiple parties. The two main points made are:  Use of a drone does NOT constitute a personal inspection if the appraiser is not visiting the property at the same time. Multiple parties acting as co-clients can engage an appraiser and each view a Restricted Appraisal Report. ... Read More

  • CAP Report on Rural Housing

    The Center for American Progress (CAP) released a report "Opportunities for Promoting Credit for Affordable Housing in Rural America," as follow-up to a joint White House and U.S.. Department of Agriculture convening facilitated by CAP and involving advocates, academics and other stakeholders, including the National Association of REALTORS®.  The report discusses potential ways in which to improve access to credit for rural housing including: Facilitating small loan lending through partnerships with Ginnie Mae and the federal home loan banks.... Read More

  • FHA August 2016 FAQs

    The Federal Housing Administration (FHA) recently published the August 2016 - HUD Handbook 4000.1 Frequently Asked Questions Update (FAQs).  The FAQs cover a variety of topics including how to treat income earned by borrowers from state legalized marijuana, unreimbursed business expenses, repossessions and eligibility for borrowers with limited credit histories, among others. August 2016 - HUD Handbook 4000.1 Frequently Asked Questions Update

  • HUD 203(k) Consultant Fee Schedule

    The Department of Housing and Urban Development (HUD) is seeking public comment on ways to revise the fee schedule for the 203(k) Program Consultants. The 203(k) Program enables homebuyers and homeowners to finance the purchase, or refinance of a home and its rehabilitation costs through a single mortgage. HUD is specifically seeking information to determine whether 203(k) Consultant fees should: Retain the current fee structure but update maximum fees Allow Consultants to charge fees that are reasonable and customary Develop a different metric on... Read More

  • Commercial Real Estate Market Trends Update: August 2016

    George Ratiu, Director of Quantitative and Commercial Research, and Stephanie Spear, Commercial Regulatory Policy Representative, provide an update on the commercial real estate market trends for the 2nd Quarter.

  • Existing FHA Condo Rules Extended

    On August 24, 2016 HUD extended their existing temporary guidance on condos, without the changes brought about in HR 3700. HUD continues to work on the regulatory guidance to implement the new law, but their existing guidance was set to expire. In notice 2016-13, they simply extend the existing guidance until they can publish the new rules. NAR continues to work with HUD to hasten the publication of the provisions included in the new law.  Those will: Reduce the FHA condo owner occupancy ratio to 35%, unless FHA takes alternative action within 90 days. ... Read More

  • NAR Comments on PACE Guidelines

    This week NAR submitted comments on Federal Housing Administration's (FHA) changes to the treatment of Property Assessed Clean Energy (PACE) loans. This new guidance, which goes into effect immediately, states that PACE loans will remain in a subordinated position on most FHA mortgages, in line with long-standing guidance from the Federal Housing Finance Agency. However, the guidance also notes that PACE loans will retain a first-lien position for delinquent PACE obligations or foreclosed properties. NAR signed on to a joint letter, along with the Mortgage Bankers... Read More