http://www.costamodernproperties.com/

Monica Dominguez, 690 Otay Lakes Road Suite 100, Chula Vista, CA (2026)

02/13/2026

Big news for first-time buyers 👏

The California Dream For All program is back, and this could be the boost you’ve been waiting for. With up to 20% down payment assistance through CalHFA, homeownership in San Diego might be more within reach than you think.

It’s lottery based and only open for a limited time, so timing matters.

If you’re a first-time or first-generation buyer and want to see if you qualify, send me a message that says “DREAM” and I’ll walk you through the details. Let’s see if this is your year to buy. 🏡✨

02/13/2026

From the coast to the suburbs, I’m here to help you find the one. 🌊🏡
If 2026 is the year you make a move in San Diego, let’s talk.
Your dream home might be closer than you think.

01/25/2026

Buyers decide fast how they feel about a home, often within the first few minutes of walking in.

What they notice first isn’t the paint color or the staging details. It’s the light, how the space flows, and whether the home feels well cared for.

These three things shape that gut reaction and they matter more than most sellers realize.

Thinking about selling and want to know how buyers will really see your home? That’s where we come in.

12/29/2025

That’s a common myth, and it keeps a lot of people on the sidelines unnecessarily.

You do not need perfect credit to buy a home. Many loan programs are designed for buyers with good, fair, or even rebuilding credit. What matters more is the overall picture, not just one number.

Here’s the reality:
• FHA loans can allow credit scores in the low 600s, sometimes even lower with strong compensating factors
• Conventional loans often work well for buyers with solid but not flawless credit
• Lenders look at income, job stability, debt, and savings along with your score
• Credit can often be improved faster than people expect with the right guidance

Waiting for “perfect” credit often means waiting longer than necessary and missing opportunities. A quick conversation with a lender can tell you where you stand and what steps, if any, would help you qualify.

If you’re curious about what’s possible with your current credit, I’m happy to walk you through it or connect you with a trusted local lender.

Monica Dominguez
Costa Modern Properties
DRE 02162457

07/14/2025

🌊 La Jolla Property Spotlight🌊

Nestled on a bluff in La Jolla Shores, this 2015-built estate feels less like a house and more like a private resort. Beyond its gated entrance lies nearly an acre (35,750 sq ft) of manicured gardens and multi-tiered terraces that sweep toward a rare on site beach, a feature almost unheard of in California

Covering nearly 13,000 sq ft across three levels, the property includes a main residence and guest home. It packs in 10 bedrooms, 17 bathrooms, and five fireplaces, resting places for all your friends or extended family. A grand courtyard welcomes you, then guides your gaze straight toward panoramic Pacific views.

Interior spaces feel like an homage to the Mediterranean, think Versailles meets French Riviera, with polished marble floors, ornate chandeliers, and gleaming gold accents. Split across multiple suites, the layout offers options for private retreats or social gatherings alike.

Amenities That Rival a Five-Star Spa
• Salt-water pool finished in Thassos marble tile
• Two cabanas, firepit, and a “boat bar” perfect for evening cocktails
• Fitness center and full spa setup
• Elevator servicing all floors
• Eleven parking spaces
Whether you’re indoors or out, the home frames endless ocean panoramas from whitecaps and piers to those warm, golden sunsets that define La Jolla living

Listed at $108 million, this property isn’t just real estate, it’s a statement, a private beach party venue, and a sanctuary all rolled into one. Even locally it’s set to shatter records, likely doubling San Diego County’s highest sell price

1900 Spindrift Drive lives up to its name, The Sand Castle, offering unparalleled oceanfront exclusivity, lavish European-inspired finishes, and resort-grade amenities. It’s not just a standout in La Jolla, it’s in a league of its own.

Monica Dominguez
Costa Modern Properties
DRE 02162457
619.755.7393

Listed by:
Brett Dickinson
Compass

06/20/2025

CMP is proud to be ranked #47 in the nation on the Top 100 Teams by Volume list ⭐️

For our founder , this is more than just real estate. As a first-generation Mexican-American, her mission has always been clear:

To help families achieve the American Dream through homeownership

Inspired by her mother’s journey, Genie built this team to reflect that same grit, heart, and drive. This award is a testament to what happens when passion meets purpose.

Let’s keep making dreams a reality, one home at a time. 💛

#

05/19/2025

Property Spotlight in Oceanside!

About this property:
• The seller will consider offers between $1,299,000 and $1,399,000.
• Welcome to 223 Cottingham Ct., nestled in the peaceful Mesa Pines area of historic Loma Alta.

Enjoy breathtaking mountain and valley views from a newly updated kitchen filled with natural light and stunning scenery, along with recently remodeled bathrooms and abundant natural light throughout.

Just minutes away from beaches, shopping, and dining, with easy access to I-5 and SR-76 freeways. This is Southern California living at its finest, don’t miss out!

Monica Dominguez
DRE02162457
Costa Modern Properties
619.755.7383

Listing Agent:
Alejandra Palmer Polanco
ROA California Inc

03/11/2025

Property Spotlight 👌🏼👌🏼👌🏼

Charming Remodeled Cottage with Expansive Lot in Bonita!
Welcome to this beautifully updated bungalow-style home located in East Bonita. Blending modern upgrades with peaceful outdoor living, this stunning property has been fully renovated from top to bottom. Recent improvements include a newer roof, a $120,000 custom kitchen remodel, upgraded bathrooms, wood laminate and tile flooring, newer doors, double-pane windows, a barn-style door in the primary bath, and modern ceiling fans. Additional features include solar panels, a reverse osmosis water filtration system, an AC unit, a heated pool and whirlpool bath, plus a cozy backyard fire pit.

Situated on an expansive lot zoned for horses, there’s plenty of room for an organic garden, chickens, and fresh eggs. The lush, professionally landscaped backyard is a fruit lover’s dream, offering a variety of exotic and delicious fruit trees, such as:
• Buddha Hand Citrus
• White Asian Grapefruit
• Kumquat
• Dwarf Meyer Lemon & Dwarf Blood Orange
• Two Lemongrass Bushes
• Seedless Limes & Bacon Avocado
• Taiwanese Jujube
• Apple & Peach
• Longan & Two Golden Nugget Tangerines
• Red Shell Australian Cherimoya & Seedless Taiwanese Guava
• Thai Mango & Valencia Orange
• Green Grapes & Red Grapes

With two storage sheds and endless space to create your perfect outdoor retreat, this rare Bonita gem has it all! Conveniently located near the bike park, baseball field, schools, shopping, horse trails, golf course, and more. Don’t miss your chance—schedule a showing today!

4 🛌
3 🛁
💰 995k

Monica Dominguez
Costa Modern Properties
DRE02162457
619.755.7393

Listed by
Faby Gonzalez
Coldwell Banker West

03/06/2025

Buying is often better than renting because it allows you to build equity, gain financial stability, and enjoy more control over your living situation. Here’s why:

1. Builds Equity Instead of Paying Rent

When you buy a home, your mortgage payments contribute to ownership. With renting, you’re paying your landlord’s mortgage instead of investing in your own asset.

2. Fixed Monthly Payments (vs. Rising Rent)

With a fixed-rate mortgage, your principal and interest payments stay the same. Rent, on the other hand, tends to increase over time due to inflation and market demand.

3. Home Value Appreciation

Real estate typically appreciates over time, meaning your home could be worth significantly more in the future, helping you build wealth.

4. Tax Benefits

Homeowners can often deduct mortgage interest and property taxes from their income taxes, reducing their overall tax burden. Renters don’t get these benefits.

5. Freedom to Customize Your Space

When you own a home, you can renovate, paint, and modify the property however you like. Renters have to follow their landlord’s rules.

6. More Stability and Security

Homeownership provides long-term stability. Renters may have to move frequently due to lease terms, rent hikes, or landlords selling the property.

7. Potential Passive Income

If you own property, you can rent out part of it (like a basement or extra room) or eventually turn it into a rental property for passive income.

8. Retirement and Wealth Building

Owning a home can be a powerful retirement asset. Once your mortgage is paid off, you’ll have a valuable property and no monthly housing payment, unlike renters who will always have to pay for housing.

When Renting Might Be Better:
• If you need flexibility (frequent relocations)
• If you can’t afford maintenance and property taxes
• If you live in an area where buying is far more expensive than renting

Would you like help analyzing if buying makes sense for your situation? Send me a message!

Monica Dominguez
DRE02162457
Costa Modern Properties
6189.755.7393

02/24/2025

Making biweekly payments on your mortgage can offer several advantages, including:
1. Faster Loan Payoff – Instead of making 12 full payments per year, you’ll be making 26 half-payments, which equals 13 full payments annually. This extra payment helps pay down the principal faster.
2. Significant Interest Savings – Since you’re making payments more frequently, less interest accrues between payments, reducing the overall interest you pay over the life of the loan.
3. Builds Equity Faster – By reducing the principal balance more quickly, you gain home equity at a faster rate, which can be beneficial if you plan to sell or refinance.
4. Better Budget Management – If you get paid biweekly, matching your mortgage payments to your pay schedule can make budgeting easier and prevent large end-of-month financial strain.
5. Shortens Loan Term – Depending on the loan amount and interest rate, biweekly payments can shave several years off a 30-year mortgage, helping you become debt-free sooner.

Before setting up biweekly payments, check with your lender to ensure they accept this payment method without additional fees. Some lenders may require you to enroll in a specific program or charge fees for the service.

02/12/2025

🏝️Property Spotlight 🏝️

Completely renovated and ready for move-in! Coronado Shores offers top-notch amenities, including 24-hour security, a fitness center, a tennis court, a clubhouse, and a pool. And let’s talk about those views—absolutely breathtaking! I can’t get enough of them.

Interested in this home or others in the area? Send me a message!
⁠
Schedule your private showing today 📲⁠
⁠
Monica Dominguez | Costa Modern Properties⁠
DRE # 02162457
(619) 755-7393
[email protected]⁠

Listed by:
Olga Lavalle
Douglas Elliman of Ca, Inc

⁠⁠

Monica Dominguez

02/13/2026

02/13/2026

01/25/2026

12/29/2025

07/14/2025

06/20/2025

05/19/2025

03/11/2025

03/06/2025

02/24/2025

02/12/2025

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