Last updated September 25, 2026. By using sanclementerealestatenews.com, you agree to these terms. If you do not agree, please do not use the site.
Information only
Everything on this site is general information. It is not legal, tax, accounting, financial, investment or mortgage advice. Please talk to a qualified professional about your own situation.
No agency or client relationship
Using this site or contacting us does not create a broker-client or fiduciary relationship. That begins only with a written agreement, such as a buyer representation agreement or a listing agreement, signed by you and the broker.
Accuracy
We work to keep the information correct and current, but real estate information changes quickly. Information is deemed reliable but not guaranteed. Market statistics come from third parties such as Zillow Research, the Federal Housing Finance Agency, Freddie Mac and the St. Louis Fed (FRED). They can be revised, they describe the past, and they are not appraisals, valuations, predictions or advice.
Calculators and estimates
Calculators give illustrations based on the numbers you enter and the assumptions shown on the page. They are not loan offers, quotes, pre-approvals or promises. Actual rates, fees, taxes, insurance and costs depend on your lender, the property and your situation.
Talk to a lender. Rates, loan programs and approvals come from lenders, not from websites or real estate agents. Talk to your own mortgage broker, or use our preferred lender, Rodrigo Ballon with CrossCountry Mortgage, at 858-735-0255. You are always free to choose any lender you like, and you can verify any lender’s license at nmlsconsumeraccess.org.
Third-party content and links
This site links to other websites and shows videos from other services. We do not control them and are not responsible for their content or policies.
Place and business names
Names of communities, parks, businesses and attractions are used only to identify them. They do not imply endorsement, sponsorship or affiliation, and this site is not affiliated with any homeowners association, city, school district or government agency. Trademarks belong to their owners. Coldwell Banker® is a registered trademark licensed to Coldwell Banker Real Estate LLC.
Your use of the site
Please use the site lawfully and for your own personal, non-commercial purposes. Do not copy, republish or bulk-collect our text, layout or data without permission, and do not interfere with the site or try to reach areas that are not public. You are welcome to quote short excerpts with credit and a link back.
What you send us
Information you send through the site is used as described in our Privacy Policy. You confirm that it is accurate and that you have the right to send it.
Fair housing
We follow federal and California fair housing laws. See our Fair Housing Statement.
Disclaimer and limits
The site is provided “as is” and “as available,” without warranties of any kind, to the fullest extent the law allows. To the fullest extent the law allows, we are not liable for indirect or consequential losses from using the site or relying on its information. Nothing here limits rights that cannot be limited by law.
Governing law
These terms are governed by California law. Disputes will be handled in the state or federal courts located in San Diego County, California.
Changes and questions
We may update these terms and will change the date at the top when we do. Questions: Rudy Flores, 851 S Coast Highway, Suite 300, Encinitas, CA 92024, (619) 392-6714, [email protected].