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
  • 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

  • Commercial Regulatory Update: NAR Meets With Banking Group

    Rod J. Alba, Sr. Vice President, Mortgage Finance & Senior Regulatory Counsel of the American Bankers Association, sits down with Stephanie Spear, NAR Commercial Regulatory Policy Representative, to talk about common issues facing ABA and NAR members. Hear about what regulatory efforts ABA has been up to in 2016 and how NAR members can work more with ABA members.

  • Administration Announces Internet of Things Inquiry

    The U.S. Commerce Department’s National Telecommunications and Information Administration (NTIA) announced that it will launch a multistakeholder process to explore Internet of Things (IOT) security and upgradeability this fall. IOT is the concept of basically connecting any device with an on and off switch to the Internet (and/or to each other). This includes everything from cellphones, coffee makers, washing machines, headphones, lamps, wearable devices and almost anything else you can think of. NTIA’s multistakeholder process could result in in common terms and... Read More

  • HUD Single Family Property Disposition Rule

    On August 11, 2016, the Department of Housing and Urban Development (HUD) released a final rule on HUD's Single Family Property Disposition Program, which oversees the management and sale of HUD real estate-owned (REO) properties. Under the rule, the listing price for HUD REO properties can be determined by a variety of valuation methods, including broker price opinions (BPOs), automated valuation models (AVMs) and traditional appraisals. In addition, the maximum value allowed to be placed in escrow for repairs on properties that do not meet the Federal Housing Administration'... Read More

  • Follow NAR’s Government Affairs on Twitter

    NAR’s Government Affairs division has created its own twitter handle - @NARGovtAffairs – to keep REALTORS® apprised of the legislative and regulatory happenings in Washington. Learn about the latest developments with Congress and the Administration, the key issues NAR is tracking and how what is happening in Washington impacts the business of real estate.

  • President Obama signs HR 3700

    On July 29, 2016, H.R. 3700, sponsored by Reps. Luetkemeyer (R-MO) and Cleaver (R-MO) and through companion legislation, Senators Menendez (D-NJ) and Scott (R-SC), was signed into law by President Obama. This legislation previously passed unanimously in both the U.S. House and Senate. This legislation: Solves a number of concerns regarding FHA’s condo rules: Reduces the FHA condo owner occupancy ratio to 35%, unless FHA takes alternative action within 90 days. Directs FHA to streamline the condo re-certification process.... Read More

  • NAR Participates in White House Event

    NAR was one of several invitees to the White House Office of Science and Technology Policy (OSTP) on Tuesday Aug. 2 for a workshop on the future of drones and aviation. The event gathered experts from government, industry and the academic research community in order to accelerate opportunities and address challenges posed by this emerging technology. OSTP also announced a series of actions, sustained by public and private support, to promote the safe integration and innovative adoption of unmanned aircraft systems across the United States. These announcements include actions that expand... Read More

  • Hard vs. Soft Dollars

    Hard versus soft money: This infographic explains how political campaigns and community outreach activities are funded.

  • FHA Condo Bill Signed into Law: Next Steps

    In this video, NAR Senior Policy Representative Megan Booth talks about H.R. 3700, the condo bill that's just been signed into law. She discusses what happens next, and what it means for real estate. More Information: Video: NAR President Tom Salomone thanks members for their help in passing H.R. 3700.