Coastal homes in San Diego County

San Marcos · Poway · San Diego County

Your San Diego home story starts here.

I’m Lara Gabriele — a former senior mortgage underwriter turned REALTOR®. I know what lenders look for, so your offer and your financing hold up.

eXp Realty Luxury
Lara Gabriele, San Diego REALTOR®

I spent 15 years on the lender’s side of the table.

Before I became a REALTOR® in 2009, I was a senior mortgage underwriter. I know which offers will actually close, why deals fall apart in escrow, and how to structure financing so yours doesn’t.

Today I help buyers and sellers from my home base in San Marcos, across Poway, North County and the coast — with honest advice and a lot of attention to detail.

I’m also a certified Seniors Real Estate Specialist (SRES®) and a luxury specialist — whether you’re downsizing after decades in one home or buying at the high end.

No assistants, no call centers. You call, I answer.

Lara

15
years as a mortgage underwriter
2009
selling homes since
1:1
you work with me directly
  • Seniors Real Estate Specialist (SRES®)
  • Luxury Specialist
Modern San Diego home at duskSelling

Sell for the best price, without the stress.

Honest pricing, eXp Luxury exposure — and offers vetted by a former underwriter, so you pick a buyer who will actually close.

Get my home value
Palm trees on a San Diego beachBuying

Find the right home and neighborhood.

Offers and financing built to hold up, plus honest advice on value, schools and commute.

Start my search

Wispr Properties

Off-market homes, shared privately.

Homes whose owners sell quietly — not on the MLS, Zillow or any public site. The only way to see them is through me.

Client reviews

Don’t just take my word for it.

5.0· 6 reviews on RealSatisfied & Zillow
“She even helped coordinate pre-sale repairs and termite tenting since we live out of town.”
Scott Steele
Sold · San Diego, CA · RealSatisfied
“Someone who listens and responds to what the clients want.”
Home seller
Sold · Rancho Bernardo, San Diego, CA · Zillow
“She will cross the finish line with you cheering all the way!”
Retired couple relocating from San Diego
Bought · Liberty Hill, TX · Zillow
“She found me the perfect house that went above my expectations.”
Home buyer
Bought · Mission Viejo, CA · Zillow
“I've tried using apartment locators and other realtors, and none of them compare to Lara.”
Renter with two big dogs
Rented · Austin, TX 78759 · Zillow
“She did an amazing job both times!”
Two-time clients
Sold · Cedar Park, TX · Zillow

Free & no obligation

What’s your home worth today?

A real valuation from local sales, not an online guess — usually in your inbox within one business day.

FAQ

Good questions.

Don’t see your question? Ask me directly — there’s no such thing as a silly one.

Read my guides from a former underwriter

What areas of San Diego do you serve?

I'm based in San Marcos and work with buyers and sellers across San Diego County — especially San Marcos, Poway, Rancho Bernardo, Escondido and Carmel Valley, plus the coastal cities from La Jolla and Del Mar to Encinitas, Carlsbad and Oceanside.

How does your mortgage underwriting background help me?

I spent 15 years as a senior mortgage underwriter before becoming a REALTOR®. For buyers, that means I spot financing problems before they cost you a home and help make your offer stronger. For sellers, it means I can tell which offers are most likely to close — not just which one is highest.

How do I know what my San Diego home is worth?

Online estimates can be off by tens of thousands of dollars in San Diego because values change block by block — views, lot size, and school boundaries all matter. I'll prepare a free, no-obligation comparative market analysis based on recent nearby sales and walk you through it in plain language.

Do you work with first-time home buyers?

Absolutely. I explain every step — pre-approval, offers, inspections, appraisal, and closing — and connect you with trusted local lenders, including those who specialize in first-time buyer and down-payment assistance programs.

Do buyers need to sign an agreement before touring homes?

Yes. Since August 2024, buyers need a written agreement with their agent before touring homes. I'll go over it with you in detail, including how my compensation works, so there are no surprises.

Can you help military families using a VA loan?

Yes. San Diego has a large military community — Coronado, Point Loma, Oceanside, and Chula Vista are especially popular with service members. I understand VA loan timelines and appraisal requirements and can help you plan around PCS moves.

I'm relocating to San Diego. Can you help me choose a neighborhood?

That's one of my favorite parts of the job. We'll talk about commute, schools, budget, and lifestyle, and I'll help you narrow the county down to a few neighborhoods that fit — with video tours if you can't be here in person.

Lara Gabriele
Lara Gabriele
CA DRE #01900255 · Usually replies the same day

Let’s talk about your move.

No pressure, no obligation — just honest answers. Prefer to talk now? Call or text me.

I’m looking to…

Your information stays private. I never share or sell it.

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