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
  • FHA 2017 Loan Limits

    On Dec. 1, 2016, the Federal Housing Administration (FHA) released its 2017 Loan Limits. In high-cost areas the FHA national loan limit "ceiling" will increase to $636,150 from $625,500. The “ceiling is set at 150 percent of the national conforming limit of $424,100, which increased from $417,000 this year and was the first increase in the national conforming limit since 2006. FHA will also increase its "floor" to $275,665 from $271,050. The “floor” is set at 65 percent of the national conforming limit of $424,100. The standard loan limit for lower... Read More

  • IRS Clarifies Debt Tax Relief

    The Internal Revenue Service announced this week procedures designed to aid as many homeowners as possible who are facing the year-end expiration of a tax provision that excludes from income mortgage debt forgiven in connection with the Principal Reduction Modification Program (PRMP) and the Home Affordable Modification Program (HAMP). The Good News.  The IRS notice offers clarity and assurance to homeowner-borrowers that if they are in the trial period of the PRMP or HAMP programs, or will enter into the trial period before the end of 2016, even if the debt... Read More

  • Comment on FHA Condo Rule

    On November 28, 2016, NAR submitted a comment letter to the Federal Housing Administration (FHA) regarding proposed changes to FHA Condominium certification requirements. Many of the proposed changes align with areas REALTORS® have expressed a need for more lenience and reflects NAR advocacy on these matters. The NAR letter specifically asks FHA to: Remove the strict requirement on owner-occupancy levels, with a minimum of implementing HR 3700 standard of allowable 35% owner-occupancy without additional requirements; Allow 100% FHA loan concentration in... Read More

  • NAR Joins Coalition Letter Opposing Data Breach Legislation

    NAR along with nine other trade associations submitted a letter opposed to  draft data breach legislation in the House and attempting to move this year because it fails to 1) establish a uniform nationwide law; 2) provide reasonable data security standards; 3) maintain an appropriate FTC enforcement regime and 4) ensure that all breached entities have notice obligations. NAR will continue to work in the new Congress on sensible data breach legisaltion that works for the real estate industry. ... Read More

  • Injunction Issued on Department of Labor Overtime Rule

    On November 22, 2016, the U.S. District Court for the Eastern District of Texas issued a nationwide injunction prohibiting the Department of Labor’s (DOL) controversial overtime rule from going into effect as scheduled on December 1, 2016. The rule would have doubled the salary threshold (to $47,476) under which non-exempted workers are guaranteed time-and-a-half pay if they work more than 40 hours in a given week. The rule would have also indexed the threshold to inflation, every three years starting in 2020.  While there is relief in knowing the regulation... Read More

  • FHA Fund Improves from 2015

    On November 15, 2016, the Federal Housing Administration (FHA) released its Annual Report to Congress and the FY2016 Actuarial Review of the Mutual Mortgage Insurance Fund Forward Loans.  The review shows that the Fund's capital reserve ratio has reached 2.32 percent and has improved by $43.9 billion since FY 2012.  This is the second year in a row that the Fund exceeded the statutory requirement to maintain at least a 2 percent capital ratio. For forward mortgages the ratio was a healthy 3.28 percent, showing steady growth. For HECMs the ratio was a negative 6.90 percent,... Read More

  • Just-Released FHA Report Shows Fresh Opportunity to Make Homeownership More Affordable

    WASHINGTON (November 15, 2016) — The Federal Housing Administration’s just released actuarial report shows that the Mutual Mortgage Insurance Fund is on a steady financial trajectory, a finding the National Association of Realtors® believes is an opportunity to make FHA’s low-down-payment mortgage option available to an even broader swath of borrowers. “FHA’s actuarial report shows that the fund has indisputably found its footing,... Read More

  • Monday Minute - Week of November 14, 2016

    Following their six-week recess, both the House and Senate reconvene this week for the lame duck session. NAR will be monitoring hearings of interest to REALTORS®. In the House, the House Financial Services Committee will examine the appraisal industry, review the Dodd-Frank Act’s impact on appraisers, consumers and stakeholders, and explore the future of appraisals, including alternative home valuation methods.  Read this week's committee schedule 

  • VA Requires Electronic Condo Documents

    Effective as of November 3, 2016, the Department of Veterans Affairs (VA) will only accept electronically submitted condominium documents when processing the approval of condominium projects. The relevant condominium association documents must be uploaded through Web LGY, the VA’s web-based loan guaranty system accessible to VA lenders. The VA expects electronic submission of condominium documents to reduce the current time and cost associated with VA condominium project approval. ... Read More

  • As Flood Risk Threatens Properties, Realtors® Can Play Key Role Keeping Buyers and Sellers Informed

    ORLANDO, Fla. (November 6, 2016) – Floods are widespread throughout the nation, with Hurricane Matthew and this summer’s flooding in Louisiana serving as the latest examples. Homebuyers need to be aware of the threat that flooding poses to their investment, as well as to their safety, and Realtors® can play an important role in helping clients address that risk before disaster strikes. Melanie M. Graham of H2O Partners told an audience at the 2016 REALTORS® Conference & Expo in Orlando, Florida, that “every... Read More