2014 San Diego Five Star Home Professionals
Transcription
2014 San Diego Five Star Home Professionals
S © Fiv S tar Pr o t e F © iv S ar Pr f o t e F © iv S ar Pr fe Fiv e S ta Pr ofe ssi r o s t e P ive St ar ro fes sio P n a s f St r P ro es io n a s f St r P ro es io al ar r fe sio na o s P ar r fe sio na l o s 2014 San Diego Five Star Home Professionals Real Estate Agents Mortgage Professionals Five Star Professional partnered with San Diego Magazine to identify real estate, mortgage and insurance professionals in the San Diego area who deliver outstanding service and client satisfaction. The Five Star Professional research team contacted thousands of recent homebuyers, as well as other consumers. Clients may also submit evaluations online. Phone, mail and online respondents rated their service professional on criteria such as overall satisfaction and whether they would recommend the provider to a friend. The research methodology allows no more than 7 percent of professionals in each category to receive the award. This year’s winners are listed and profiled in the following pages (see each award winner’s listing for more details). Research Home/Auto Insurance Professionals Professionals who satisfied each of the following objective criteria were named a 2014 San Diego Five Star Real Estate Agent, Five Star Mortgage Professional or Five Star Home/Auto Insurance Professional: 1. Received a qualifying client satisfaction rating. 2. Satisfied the applicable state licensing requirements. 3. A ctively employed as a licensed professional for a minimum of three years. 4. Favorable regulatory and complaint history review. 5. Satisfied minimum client volume or production on a one-year and three-year basis (number and volume of transactions or number of client households served). • The 2014 Five Star Real Estate Agents, Mortgage Professionals and Home/Auto Insurance Professionals do not pay a fee to be included in the research or the final list. DISCLOSURES • E ach professional is screened against state governing bodies to verify that licenses are current, and no disciplinary actions are pending. • The inclusion of a real estate agent, mortgage professional or insurance professional on the final lists should not be construed as an endorsement by Five Star Professional or San Diego Magazine. • The research process incorporates a statistically valid sample in order to identify the professionals in the local market who score highest in overall satisfaction. These professionals are not included on the list unless their score is statistically valid. For more information on the Five Star award and the research/selection methodology, go to www.fivestarprofessional.com. FS • 1 — www.fivestarprofessional.com 2014 Five Star Real Estate Agents ve SPECIAL ADVERTISING SECTION S © Fiv S tar Pr o t e F © iv S ar Pr f o t e F © iv S ar Pr fe Fiv e S ta Pr ofe ssi r o s t e P ive St ar ro fes sio P n a s f St r P ro es io n a s f St r P ro es io al ar r fe sio na o s P ar r fe sio na l o s 2014 Five Star Real Estate Agents ve SPECIAL ADVERTISING SECTION Five Star Real Estate Agents Five Star Professional surveyed San Diego area residents who purchased a home priced at more than $150,000 within an 18-month period (February 2012 to July 2013). The final list of 2014 San Diego Five Star Real Estate Agents is a select group, representing less than 4 percent of real estate agents in the area. Evaluations were collected by mail, phone and online at www.fivestarprofessional. com/homesurvey. All award winners are sorted by city and listed alphabetically by last name. All Areas Chuck Buss · Canter Brokerage Jim Fishinger · Excel Properties Sherry Adams · HomeSmart Realty West Page 18 Steven Campbell · Real Living Lifestyles Ron Fontaine · Fontaine Realty Group Shylia Alarcon · New Dawn Realty Jim Carpenter · Keller Williams Susan Caudill · Keller Williams Greg Fox · California Options Real Estate (CORE) James Alberts · Alberts and Associates Gregg Alexander · RE/MAX United Dara Chantarit · Allison James Estates & Homes Page 16 Julie Fox · Keller Williams Susan Fulton · Keller Williams Maureen Charles · RE/MAX Real Estate Consultants Kris Gelbart · Coldwell Banker Residential Brokerage Page 19 Sandi Chenoweth · Coldwell Banker Karin Gentry · Coldwell Banker Linda Anderson · Coastal Inland Properties Page 18 Jace Coleman · Better Homes and Gardens Real Estate Heritage Properties Patti Gerke · Pacific Sotheby’s International Realty Page 16 Shannon Anderson · Keller Williams Diane Conaway · RE/MAX United John Antinone · Coldwell Banker Residential Patricia Contreras · Windermere Real Estate SoCal Catherine Gigstad · Coldwell Banker Residential Brokerage Rico Alexander · Pacifica Properties Ruth Allsbrook · Berkshire Hathaway HomeServices California Properties Geeta Antony · Bankers Realty & Mortgage Vay Ashby · Berkshire Hathaway HomeServices Page 18 Kaye Atkins · Judson Real Estate Marie Jo Atkins · Real Living Lifestyles Danuta Bala · Danuta Realty Susana Corrigan · Prudential Laila Coucouroux · Berkshire Hathaway HomeServices Alan Goldbarg · Better Homes and Gardens Real Estate Heritage Properties Enrique Gonzalez · McMillin Realty Steve Gore · Coastal Premier Properties Dorothy Crisci · CENTURY 21 Victoria Gore · Coastal Premier Properties Asa Curran · Brush Real Estate Christine Gorno · Windermere Real Estate SoCal Page 19 Lynda Barry · HomeSmart Realty West Suzanne Currier · Berkshire Hathaway HomeServices Ella Bauer · Independence Realty Annamarie Dawber · RE/MAX United Kathy Greenwood · Gallery Properties Theresa Baugh · E2 Realty Cindy DePhillips · SeaCoast Exclusive Properties Page 18 Linda Grubbs · Masterpiece Realty Associates Nancy Dennison · Keller Williams David Gullifer · Prolific Real Estate Page 19 David Baum · McConnin & Company Real Estate Carol Bergen · Pacific Sotheby’s International Realty Liz Desantis · Realty Executives Merrie Bessel · Coldwell Banker Prestige Properties Barbara Donovan · Coldwell Banker Amy Blume · Keller Williams San Diego Metro Gary Blume · Keller Williams San Diego Metro Judy Bohlen · CENTURY 21 Award Matt DeWitt · Judson Real Estate Jeffrey Dowler · Solutions Real Estate Eileen Drutman · Real Living Lifestyles/ Drutman Realty Gerry Duarte · Berkshire Hathaway HomeServices California Properties Anneliese Graf · The Graf Group Realty Melissa Gwaltney · Brush Real Estate Nadeem Haddad · HPC Real Estate Shannon Hagan · Coldwell Banker Residential Brokerage Del Mar Page 14 Marta Hall · Coldwell Banker Carlsbad William Hanenburg · BVM Realty Tony Hanggie · Real Living Lifestyles Karen Dye · Coldwell Banker Country Realty Page 19 Tess Hansford · Coldwell Banker Village Properties Susan Botts · CENTURY 21 Award Susan Einemo · Berkshire Hathaway HomeServices Cristina Harvey · HomeSmart Realty West Brad Bourda · Coldwell Banker/Team Bourda Ofelia Elwood · McMillin Realty Brendan Bomar · CENTURY 21 Award Mark Bosola · Ascent Real Estate Deirdre Bramberg · Keller Williams Judy Bramer · RE/MAX Associates Edith Broyles · Coldwell Banker Residential Brokerage Mary Burton · Berkshire Hathaway HomeServices Azam Emamjomeh · Coldwell Banker Debbie Espinoza · Stage Presence Homes Myrna Evans · Windermere Homes & Estates Page 19 Steven Ferreira · Keller Williams Whitney Fields · Real Living Lifestyles FS • 2 — www.fivestarprofessional.com Joan Hay · CENTURY 21 Award Janine Haynes · Sea Coast Exclusive Properties Kathy Higgins · CENTURY 21 1st Choice Realty Glenn Holtz · Berkshire Hathaway HomeServices California Properties Debbi Houshar · Dream Homes of San Diego/Keller Williams Page 13 S © Fiv S tar Pr o t e F © iv S ar Pr f o t e F © iv S ar Pr fe Fiv e S ta Pr ofe ssi r o s t e P ive St ar ro fes sio P n a s f St r P ro es io n a s f St r P ro es io al ar r fe sio na o s P ar r fe sio na l o s Five Star Real Estate Agents All award winners are sorted by city and listed alphabetically by last name. Lydia Hwang-Vosovic · Coldwell Banker Residential Brokerage Jennifer McGuire · Rancho Buena Vista Real Estate Marc Irmer · Prudential Dunn Marjorie McLaughlin · CENTURY 21 1st Choice Realty Sue Johnson · Windermere Homes & Estates Rosemary Joles · Windermere Real Estate SoCal Nicolas Jonville · Keller Williams/Jonville Team Deno Merziotis · Pacific Sotheby’s International Realty Page 21 Darrell Musick · Coldwell Banker Bonnie Kipperman · Leonard M. Smith & Associates Page 20 Richard Neely · Grand Pacific Properties Group Page 12 Ronald Klein · Klein Sells San Diego Page 16 Cherise Nelson · Realty Executives Dillon Lenore Knutzen · Coldwell Banker Residential Brokerage Page 20 Denise Korpinen · McFadden Real Estate Mindi Landry · CENTURY 21 Award Eddie Nguyen · CENTURY 21 Award Loree Nichols · Loree Nichols and Associates Reza Niroomand · Ranch & Sea Realty Mark Nunn · Windermere Real Estate SoCal/ Daniel Greer Homes Nancy Lavelle · The One Percent Solution Seth O’Byrne · Pacific Sotheby’s International Realty Marilyn Lawhead · Coldwell Banker Chantalle O’Donnell · Richard Realty Groups Monte Lawson · RE/MAX Associates Page 21 Angela Ordway · Berkshire Hathaway HomeServices Cathy LeClair · Berkshire Hathaway HomeServices Page 21 Marty Orgel · Orgel Realty & Mortgage Company Josephine Lee · Berkshire Hathaway HomeServices California Properties Norman Orgel · Orgel Realty & Mortgage Company John Lefferdink · Berkshire Hathaway HomeServices California Properties Deanne Palmer · Berkshire Hathaway HomeServices California Properties Page 22 Joseph Lemieux · Keller Williams Janis Libuse · Libuse & Associates Real Estate Dave Littleton · Coldwell Banker Carlton Lofthouse · RE/MAX Seagaze Realty Page 21 Roger Roberts · Berkshire Hathaway HomeServices California Properties Nancy Rork · RE/MAX Associates Jean Kaiser · Keller Williams Mark Kniffing · CENTURY 21 All Service Clay Riffle · RE/MAX Solutions Don Rood · Bonanza Realty Jeremiah Moersch · Moersch Team Kyle Murphy · Coldwell Banker Laura Reindel · Coldwell Banker Pamela Parton · Realty One Group Don Pelletier · Keller Williams Joanne Petrilli · Allison James Estates & Homes Steven Rotsart · CENTURY 21 All Service Dan Rubenstein · Wellsford Realty David Rudd · Kindred Real Estate Page 15 Minerva Rzeslawski · RE/MAX 24K Liliya Sag · Keller Williams Bob Sanchez · Linkpin Realty Robert Sayler · Berkshire Hathaway HomeServices Jeffrey Schaeffer · McMillin Realty Karen Schwan · 5-Star Realty Page 17 Ria Scoma · Pacific Sotheby’s International Realty Melvina Selfani · CENTURY 21 Award Brian Simantel · Superb Mortgage and Real Estate Tim Skoglin · Skoglin Real Estate Page 22 Kerry Smock · Keller Williams Carmel Valley/Del Mar Joe Southwick · Pacific Sotheby’s International Realty Lauren Sparks · Berkshire Hathaway HomeServices Anesh Speck · Brush Real Estate John Stacy · Weichert, Realtors Elite Andrew Pheasant · CENTURY 21 All Service John Stolis · CENTURY 21 Award Gregg Phillipson · Keller Williams Narda Stroesser · Willis Allen Real Estate Brandon Long · Regional Realty & Investments Vicki Podwell · Pacific Sotheby’s International Realty Barbara Stuart · Windermere Homes & Estates Page 22 Faustino Lopez · Coldwell Banker West Alma Porras · Alliance Group Real Estate Services Mary Taillac · CENTURY 21 Award Terri Lofthouse · RE/MAX Seagaze Realty Page 21 Janelle Lorona · RE/MAX United Vicki Mahanna-Campbell · HomeSmart Realty West Bonnie Maloney · Real Living Lifestyles Evelyn Manville · Berkshire Hathaway HomeServices California Properties Nicole Mascola-Taylor · Avance Realty Monica Louise McCormick · Windermere Homes & Estates Ruth McDonald · Coldwell Banker Residential Brokerage Marty Price · Coldwell Banker Arlene Pyjar · Berkshire Hathaway HomeServices California Properties Page 22 Steve Talbot · Stonehaven Real Estate Candace Tanner · Manis & Associates Nick Taylor · Berkshire Hathaway HomeServices California Properties Kimberlee Quarles · CENTURY 21 Award Darin Triolo · Keller Williams Robyn Raskind · Berkshire Hathaway HomeServices California Properties David Tugend · McMillin Realty Michael Van Waas · ERA Eagle Estates Realty Pamela Ratcliffe · McMillin Realty Page 22 Don Vandover · Guardian Agents Page 23 Lori Ratliff · ERA Property Movers FS • 3 — www.fivestarprofessional.com 2014 Five Star Real Estate Agents ve SPECIAL ADVERTISING SECTION S © Fiv S tar Pr o t e F © iv S ar Pr f o t e F © iv S ar Pr fe Fiv e S ta Pr ofe ssi r o s t e P ive St ar ro fes sio P n a s f St r P ro es io n a s f St r P ro es io al ar r fe sio na o s P ar r fe sio na l o s 2014 Five Star Real Estate Agents ve SPECIAL ADVERTISING SECTION Five Star Real Estate Agents All award winners are sorted by city and listed alphabetically by last name. Carlsbad Joscelin Magana · Keller Williams Vincent Villafranca · Keller Williams Russell Ali · Allison James Estates & Homes Elite Judy Marsh · Berkshire Hathaway HomeServices California Properties Joe Wagner · CRG Properties Kathy Arman · Keller Williams Christine Marshall · Coldwell Banker Lisa Walton · Windermere Homes & Estates Debbie Avey · Staged Homes Real Estate Steven Matsumoto · RE/MAX by the Sea Heide Warren · Lake & Coast Real Estate Noelle Berkovitz · Pacific Sotheby’s International Realty Portia Metras · Coldwell Banker Residential Brokerage Chris Veuger · Windermere Real Estate SoCal Brad Whaley · Keller Williams/Whaley Properties Lisa Blanchard · Real Living Lifestyles Marie Monroy · RE/MAX by the Sea Paula Whitsell · Leal Real Estate Group Jane Booth · Coldwell Banker Alex Morrison · Direct Real Estate Kathleen A. Williams · Coldwell Banker Residential Brokerage Jackie Brown · Berkshire Hathaway HomeServices Anna Nevares · Redfin Patti P. Witt · Berkshire Hathaway HomeServices California Properties Sheryl Brown · HomeSmart Realty West Page 18 Sharon Wittmayer · Integrity Real Estate & Home Loans Page 23 Kim Carlson · Real Living Lifestyles Jim Ouimet · RE/MAX Associates Page 22 Michael Wolpert · Coldwell Banker Residential Real Estate Tony Constable · Tony San Diego Joanna Woolley · Realty One Group Brenda Wyatt · Coldwell Banker Danny Wyatt · Coldwell Banker Debbie York · Coldwell Banker John Young · Principle Real Estate Group Michelle Zartarian · Real Equity Advisors Melinda Zeller · Coldwell Banker Residential Brokerage Chaco Clotfelter · Willis Allen Real Estate Louise Copeland · Keller Williams Page 18 Sandra Copeland · Pacific Sotheby’s International Realty Page 18 Bryan Devore · Berkshire Hathaway HomeServices California Properties Page 19 Danette Dils · Windermere Homes & Estates John Fenn · Allison James Estates & Homes Tamara Zyhylij · Ascent Real Estate Karen H. Fields · Coldwell Banker Residential Brokerage Alpine London Fields · Coldwell Banker Andrew Bloom · Parker Properties Jeff Gross · Full Commitment Real Estate Rachell Lara · Mountain Coastal Homes Kimberly Gross · Full Commitment Real Estate Susan Manis · Manis & Associates Page 21 Bonita Yvonne Cromer · McMillin Realty Emilia Provencio · Brennan and Associates Borrego Springs David Cragoe · Road Runner Realty Sandra Hadley · Real Living Lifestyles Pat Haeckel · Real Living Lifestyles Page 19 Brent Hansen · The Alan Shafran Group Brent Humpherys · Humpherys Homes & Estates John Humphrey · Doors Real Estate Maria Nunn · Keller Williams Lisa Pahl · Allison James Estates & Homes Eliot Rachman · CENTURY 21 Al Rex · Berkshire Hathaway HomeServices California Properties Tracy Sharrar · Terra Maris Realty Robert Sizer · Andrew Arroyo Real Estate Sharon Taylor · Real Living Pacific Page 23 Jill Valentine · CENTURY 21 Award Eric Woods · Windermere Homes & Estates Page 23 Serri Yates · Realty Executives Dave Zulick · Coldwell Banker Carmel Valley Terikim T.K. Andary · Sea Coast Exclusive Properties Michael Cameron · Keller Williams Carmel Valley Sandie Chin · Home Rebate Linda Crawford · Trinity Real Estate Services Ryan Dalzell · Pacific Sotheby’s International Realty Sharon Dick · Coastal Premier Properties Amy Green · Coastal Premier Properties Cardiff William Anthony Ims · Sea Coast Exclusive Properties Jay Krovetz · Realty Place Cherryl Johnston · HomeSmart Realty West Michael Moot · Berkshire Hathaway HomeServices California Properties Jeremiah Juncal · Juncal Real Estate Cardiff by the Sea Carol Lageder · Berkshire Hathaway HomeServices California Properties Page 20 Caroline Tumidajski · Keller Williams Bryce Lucore · Klinge Realty Rita Andrade · Keller Williams Tyson Lund · The Lund Team Dario Barba · Kali Real Estate Hedy Goldman · Windermere Real Estate SoCal Eva Meier · Coldwell Banker Shawn-Marie Kinnear · Coldwell Banker FS • 4 — www.fivestarprofessional.com Mary Heon · Coldwell Banker Page 11 Kylie Reiter · Canter Brokerage Adam Roark · Premier Realty Group Janet Rosen · Coldwell Banker Chula Vista S © Fiv S tar Pr o t e F © iv S ar Pr f o t e F © iv S ar Pr fe Fiv e S ta Pr ofe ssi r o s t e P ive St ar ro fes sio P n a s f St r P ro es io n a s f St r P ro es io al ar r fe sio na o s P ar r fe sio na l o s Five Star Real Estate Agents All award winners are sorted by city and listed alphabetically by last name. Martin Barros · Coldwell Banker West Paul Butler · Keller Williams Camille Bruno · McMillin Realty Toni Cieri · RE/MAX Distinctive Fernando Cota · Coldwell Banker West Brett Combs · P.S. Platinum Properties Karen Crabtree · Berkshire Hathaway HomeServices California Properties Kevin Cummins · Coldwell Banker Residential Brokerage Esperanza Gomez · Keller Williams Dee Marie Fisher · Windermere Homes & Estates Leonardo Gonzalez · Foster Hamilton Real Estate Consultants Julianna Haase · Keller Williams Ruben Miller · Executive Realty Clark Moses · Stonegate Realty & Mortgage Page 21 Eleanor O’Deane · Ashlon Realty Mindy Schenk · Berkshire Hathaway HomeServices Mark Scott · McMillin Realty Holly Hermanson · Real Living Lifestyles Page 20 Shawn Hethcock · Willis Allen Real Estate Kay Hoeprich · P.S. Platinum Properties Laurie Manley · Willis Allen Real Estate Page 21 Susane Roberts · Berkshire Hathaway HomeServices California Properties John Wilcox · Powerhouse Properties Simon Sung · Noble Real Estate Services El Cajon Loren Uber · UBERco Tila Cota · Berkshire Hathaway HomeServices California Properties Page 23 James Youel · McMillin Realty Coronado Julie Adams · Pacific Sotheby’s International Realty Susan Ahern · Coronado Real Estate Consultants Scott Aurich · Pacific Sotheby’s International Realty Georgia Ellis · Berkshire Hathaway HomeServices California Properties Page 19 Gerri-Lynn Fives · Willis Allen Real Estate Trent Slatton · Berkshire Hathaway HomeServices California Properties Paul Tornillo · Cole Group Real Estate Gina Vreeburg · Pacific Sotheby’s International Realty Page 23 Escondido Kris Akagi · Windermere Homes & Estates Page 16 Jay Anthony · Anthony Real Estate Jill Bentley · Bentley Real Estate Bob Davis · 5-Star Realty Page 18 Kevin DeCew · Brush Real Estate Barbara Hunt · CENTURY 21 Award Judy Jessup · RE/MAX Associates Page 20 Lynn Judson · Judson Real Estate Page 20 Connie Malkiewicz · Brush Real Estate Shane Ives · CENTURY 21 Award Barbara McAree · Coldwell Banker Residential Joe O’Meara · Keller Williams Patti Navarro · Brush Real Estate Faris Stephan · IQ Realty & Lending Ginger Proffitt · ERA Property Movers Encinitas Thomas Rico · Berkshire Hathaway HomeServices James Baxter · Richard Realty Groups Lorie Brakas · Coldwell Banker Ruth Broom · Coldwell Banker Residential Services Peter Caspersen · Coldwell Banker Residential Brokerage Michael Rush · CENTURY 21 Award Jill Sattel · Real Living Lifestyles Vicki Stone · Allison James Estates & Homes Zorica Urieff · Keller Williams Cynthia Waasdorp · Berkshire Hathaway HomeServices Karen Hust · Del Coronado Realty Dorothy Cornell · Prudential Megan Luce · Willis Allen Real Estate Page 21 Tom Cozens · Sea Coast Exclusive Properties Fallbrook Criss Crozier · Swell Property Dawn Aaris · Real Living Lifestyles Carrie O’Brien · Flagship Properties Sue De Legge · The Guiltinan Group Alva Bartlett · RE/MAX United Charlotte Rudowicz · Berkshire Hathaway HomeServices California Properties Gita Gendloff · Realty Executives Vicky Bartlett · RE/MAX United Erik Gilmer · Swell Property Deborah Danko · Real Living Lifestyles Jana Hernandez · Tierra Del Mar Jeanne Delahaye · The Jacques Company Kelly Howard · Coldwell Banker Bonnie Haines · Real Living Lifestyles Patty Keck · Sea Coast Exclusive Properties Robert Hillery · C.R. Properties Real Estate Services Connie Spitzer · Independence Realty Frank Spitzer · Independence Realty Carol Stanford · Pacific Sotheby’s International Realty Page 22 David Udell · Real Living Napolitano Barbara Martin · Coldwell Banker Daniel Zaragoza · Berkshire Hathaway HomeServices California Properties Gretchen Mitchell · Coldwell Banker Del Mar Neda Nourani · Pacific Sotheby’s International Realty Norm Berg · Berkshire Hathaway HomeServices Ellen Bryson · Coldwell Banker Linda Moore · Coldwell Banker Dale Marie Perkins · Realty One Group Gaby Preston · Schoolhouse Realty Jane Kepley · C.R. Properties Chris Murphy · Murphy & Murphy Southern California Realty Kim Murphy · Murphy & Murphy Southern California Realty Christine Rinne · C.R. Properties FS • 5 — www.fivestarprofessional.com 2014 Five Star Real Estate Agents ve SPECIAL ADVERTISING SECTION S © Fiv S tar Pr o t e F © iv S ar Pr f o t e F © iv S ar Pr fe Fiv e S ta Pr ofe ssi r o s t e P ive St ar ro fes sio P n a s f St r P ro es io n a s f St r P ro es io al ar r fe sio na o s P ar r fe sio na l o s 2014 Five Star Real Estate Agents ve SPECIAL ADVERTISING SECTION Five Star Real Estate Agents All award winners are sorted by city and listed alphabetically by last name. Debbie Rogers-Griswold · Keller Williams North County Lauren Lombardi · Billionaires Row La Jolla Real Estate David Smith · Leonard M. Smith & Associates Page 22 Steven Vance · Real Living Lifestyles Donna Medrea · Pacific Sotheby’s International Realty Jill Smith · Leonard M. Smith & Associates Page 22 Greg Mixon · Pacific Realty Claire Melbo · Berkshire Hathaway HomeServices California Properties Lisa Vann · Keller Williams Gary Trieschman · Pacific Realty Page 23 Peter Middleton · Middleton & Associates Real Estate Melinda Wolicki · Pacific Realty Edward Mracek · Willis Allen Real Estate Lakeside Sissy Nasri · RE/MAX United Darel Handley · Pacific Sotheby’s International Realty Imperial Beach La Jolla Rosamaria Acuna · Berkshire Hathaway HomeServices California Properties Yalda Alawi · Keller Williams Carmel Valley Page 18 Drew Nelson · Willis Allen Real Estate Thomas J. Nelson · Coldwell Banker Residential Brokerage Pam Reed · Willis Allen Real Estate Dave Zimkin · Zimkin Realty Catherine Zolezzi · Keller Williams Mission Hills Sabine Steck · Ascent Real Estate Phil Reed · Willis Allen Real Estate Ocean Beach Vicki Hallman Robb · Willis Allen Real Estate Chris Mannerino · Pacific Sotheby’s International Realty Shawn Rodger · Willis Allen Real Estate Catrina Russell · Coldwell Banker Residential Joan Schultz · Berkshire Hathaway HomeServices California Properties Page 17 Oceanside Peggy Chodorow · Berkshire Hathaway HomeServices Michelle Serafini · Coldwell Banker Jim Bottrell · Ardent Real Estate Service Jim Shultz · Coldwell Banker Robbie Calderon-Hass · Hass Team Realty Eric Chodorow · Berkshire Hathaway HomeServices California Properties Dane Soderberg · P.S. Platinum Properties Gary Harmon · Real Living Lifestyles Alison Sorley · Coldwell Banker Rita Harper · Coldwell Banker Janicke Swanson · Berkshire Hathaway HomeServices Michele Massion · Windermere Homes & Estates Moira Tapia · Willis Allen Real Estate Sinead McAllister · McAllister Homes Real Estate Jeanette Amen · Berkshire Hathaway HomeServices Claudette Berwin · Gallery Properties Todd Bloom · Berkshire Hathaway HomeServices California Properties Justin J.P. Chimento · Coastal Pacific Real Estate Patty Cohen · Berkshire Hathaway HomeServices California Properties Elizabeth Courtier · Willis Allen Real Estate Russ Craig · RE/MAX Associates Eric Eaton · Berkshire Hathaway HomeServices Marti Gellens · Berkshire Hathaway HomeServices California Properties Maxine Gellens · Berkshire Hathaway HomeServices California Properties Gary Giffin · Andrew Arroyo Real Estate Jeannie Gleeson · Berkshire Hathaway HomeServices California Properties Candace Hart · Middleton & Associates Real Estate Karen Hickman · Berkshire Hathaway HomeServices California Properties Page 20 James Holland · La Jolla Home Finder Page 20 Tiffany Homa · Advantage Team Real Estate Eric Kalisky · Berkshire Hathaway HomeServices Micah Logan · Pacific Sotheby’s International Realty Greta Treadgold · Gallery Properties Page 23 Tamara Bond · Berkshire Hathaway Sean McGalis · HomeSmart Realty West Marty Vusich · Willis Allen Real Estate Marcia Samoiloff · Realty Executives Gregg Whitney · Billionaires Row La Jolla Real Estate Jirina Svoboda · Clubhouse Realty La Mesa Victoria Varnals · RE/MAX United Page 23 Bob Blessing · Keller Williams Brenda Childress · Berkshire Hathaway HomeServices California Properties Michael Cook · Realty Source Laura Lothian · Pacific Sotheby’s International Realty Diana Lusk · Pacific Sotheby’s International Realty Shirley Vance · Real Living Lifestyles Cherise Zentic · Pacific Sun Properties Pacific Beach Karen Dodge · Pacific Paradise Realty Mike Dodge · Pacific Paradise Realty Pauma Valley Julie Mills · Keller Williams Tamara Kelich · Palomar Financial Realty & Mortgage Valinka O’Connor · Coldwell Banker Residential Brokerage Page 17 Poway Bonnie Seaton · Pacific Sotheby’s International Realty FS • 6 — www.fivestarprofessional.com Silvana Freestone · Coldwell Banker Residential Brokerage Sue Herndon · Keller Williams S © Fiv S tar Pr o t e F © iv S ar Pr f o t e F © iv S ar Pr fe Fiv e S ta Pr ofe ssi r o s t e P ive St ar ro fes sio P n a s f St r P ro es io n a s f St r P ro es io al ar r fe sio na o s P ar r fe sio na l o s Five Star Real Estate Agents All award winners are sorted by city and listed alphabetically by last name. Suzanne Kropf · Berkshire Hathaway HomeServices California Properties Cathlyn Marinello · Marinello & Associates Page 21 Steve Cairncross · RE/MAX Coastal Properties Jeannine LaChance · Coldwell Banker Residential Brokerage Page 20 Patricia Phillips · Realty Groups Elizabeth Callaway · Rancho Buena Vista Real Estate Eric Matz · Coldwell Banker Laurel Shields · RE/MAX Associates Jerrod Waller · Hogue & Belong Realty Doug Wealch · Berkshire Hathaway HomeServices California Properties Ramona Jon Erro · Whissel Realty Linda Sansone · Willis Allen Real Estate Cyndi Stetson · Willis Allen Real Estate Gonzalo Vidano · Sky Village Realty San Diego Prem Advani · Advani Realty Darlene Allen · Coldwell Banker Residential Mortgage Jeff Campbell · Jeff Campbell & Associates Brian Cane · Keller Williams Nancy Canfield · Real Living Lifestyles Paul Caparas · Marcor Ventures Aaron Castagna · HomeSmart Realty West Juana Castro · Coldwell Banker Steven Cazel · Wellsford Realty Joan Gansert · Town & Country Real Estate Mary Aronoff · Keller Williams/The Versa Real Estate Team Donald Gardnier · Gardnier Lisa Ashkins · Ascent Real Estate Daniel Christensen · Keller Williams Scott Norton · CENTURY 21 Award Drew Auker · Ascent Real Estate Sharon Quisenberry · Coldwell Banker Country Realty Tony Azar · The Metropolitan Group Toni Church · Coldwell Banker Residential Brokerage Page 18 Doreen Smith · CENTURY 21 Award Cristina Vaughn · RE/MAX Direct Gayle Wright · Coldwell Banker Country Realty Rancho Bernardo Sharon Bailey · Coldwell Banker Residential Brokerage George Cooke · Coldwell Banker Page 12 Phillis Dattilo · Real Living Lifestyles Arleen Gimbel · Real Living Lifestyles Barbara Momsen · RE/MAX Ranch & Beach Shirley Napierala · Coldwell Banker Residential Janice Patterson · Realty Experts Jeffrey Shea · Shea Realty Gwen Thompson · Coldwell Banker Residential Brokerage Page 23 Rania Azzazi · Keller Williams Elizabeth Chloe Bachmann · Berkshire Hathaway HomeServices California Properties Brookie Chambless · RC Realty of San Diego Michael Ciampa · 92101 Urban Living Team Michele Cintas-Todosi · Independence Realty/AARE Affiliate Jerry Clancy · Keller Williams Gina Barnes · Ascent Real Estate Annamarie Clark · Integrity Home Sales Janice Barron · Quality First Real Estate Kathleen Colbert · Berkshire Hathaway HomeServices California Properties Dana Barry · Hill & Hill Realty Megan Beauvais · Ascent Real Estate Nancy Beck · CENTURY 21 Award Daniel Beer · Windermere Homes & Estates Barbara Belcher · CENTURY 21 Award Tyler Belong · Hogue & Belong Realty Gabrielle Benjamin · RE/MAX Associates Page 18 Kristi Berg · San Diego Castles Realty Joy Berner · CENTURY 21 Award Liz Biala · Ascent Real Estate Bruce Bielaski · Berkshire Hathaway HomeServices California Properties Dali Collins · Eureka Realty Sandy Collins · Willis Allen Real Estate Wendy Collins · Willis Allen Real Estate Dan Conway · The Guiltinan Group Page 18 Amy Cook · RE/MAX Ranch & Beach Carla Coshow · Coshow Real Estate Group Page 14 James Crandall · Ascent Real Estate Lauren Cremascoli · Big Block Realty Matt Cunningham · Coldwell Banker Residential Brokerage Toni Currier · RE/MAX Rancho Santa Fe Carly Bohnsack · Real Living Lifestyles Becky Campbell · Coldwell Banker Previews International Scott Booth · RE/MAX Coastal Properties Brian Curry · Coldwell Banker Residential Brokerage Robin Borrelli · Ascent Real Estate Trisha Daly · RE/MAX Associates June Campbell · Coldwell Banker Previews International Richard N. Bourda · Coldwell Banker Tom D’Amico · San Diego City Homes Ryan Bourda · Coldwell Banker Residential Chad Dannecker · Dannecker & Associates Tony Bruser · Prime Pacific Properties Danny Davis · Danny Davis Real Estate Tesha Buchan · Real Living Lifestyles Kenyon Davis · Ken Davis Real Estate Dale Burgett · Pacific Pinnacle Real Estate Services Nancy Davis · CENTURY 21 1st Choice Realty Nikki Butera · Coldwell Banker Residential Brokerage Page 18 Ashley Degen · Coldwell Banker Bunny Clews · Berkshire Hathaway HomeServices Catherine Gilchrist-Colmar · Pacific Sotheby’s International Realty Betsy Heller · Achievers Realty Steven Knight · The Prestige Realty Group Patricia Kramer · Pacific Sotheby’s International Realty Paulette Deniston · Berkshire Hathaway HomeServices California Properties FS • 7 — www.fivestarprofessional.com 2014 Five Star Real Estate Agents ve SPECIAL ADVERTISING SECTION S © Fiv S tar Pr o t e F © iv S ar Pr f o t e F © iv S ar Pr fe Fiv e S ta Pr ofe ssi r o s t e P ive St ar ro fes sio P n a s f St r P ro es io n a s f St r P ro es io al ar r fe sio na o s P ar r fe sio na l o s 2014 Five Star Real Estate Agents ve SPECIAL ADVERTISING SECTION Five Star Real Estate Agents All award winners are sorted by city and listed alphabetically by last name. Todd Devin · Devin Properties Page 19 Margie Devine · Pacific Pinnacle Real Estate Services Leon Dienes · Leon Dienes & Associates Christine Diveley · Ascent Real Estate Kimberly Dotseth · Blend Real Estate Rex Downing · Ascent Real Estate Sara Driscoll · Real Living Lifestyles Barbara DuDeck · RE/MAX Ranch & Beach Caroline Dulworth · Coldwell Banker Residential Real Estate Angela Dunsford · Coldwell Banker Vicki Dutch-Jones · First Choice Properties Page 19 Debbie Dye · Debbie Dye Home Sales Alisa Edwards · Urban Homes Charlene Ekoniak · Coastal Rock Realty Page 19 Lande Eld · San Diego Rental Properties Richard Elias · CENTURY 21 Award Antoinette Embry · Coldwell Banker Steven B. Emerson · Ascent Real Estate Bjorn Endresen · Pacific Sotheby’s International Realty Bridget Fanning · Keller Williams Julie McAdam Farr · Initiative Real Estate Gail Feldman · Keller Williams La Jolla Markus Feldmann · Pacific Real Estate Center Johnny Ferreira · Keller Williams Dan Fidrych · Pacific One Realty Susan Fitzgerald · Pacific Sotheby’s International Realty Peggy Foos · Berkshire Hathaway HomeServices California Properties Page 16 Todd Fortney · Coldwell Banker Residential Brokerage Valdis Francis · RC Realty of San Diego Arman Freeman · Arman Freeman Real Estate Page 19 Linda Freitas · Frontline Property Solutions Patrice Fuchs · RE/MAX Associates Tami Fuller · Ascent Real Estate Christine Fulton · RE/MAX Ranch & Beach Luis Galdamez · Allison James Estates & Homes Eugenia Garcia · Berkshire Hathaway HomeServices Janna Hernholm · Pacific Sotheby’s International Realty Michael Gassaway · Pacific Pinnacle Real Estate Services Anne Herrin · Pacific Sotheby’s International Realty Susan Gedestad · Keller Williams Metro Deborah Herscovitz · Willis Allen Real Estate Cristine Gee · Willis Allen Real Estate Jeri Hess · CENTURY 21 Award Scot Gentry · Ascent Real Estate Hector Higuera · Allison James Estates & Homes Marcia Giles · Coldwell Banker F. George Gilman · Pacific Pinnacle Real Estate Services Joanne Gimbel · Coldwell Banker Residential Caroline Glasner · Pacific Sotheby’s International Realty Teri Hill · Hill & Hill Realty Page 20 Tom Holmes · Berkshire Hathaway Susan Holts · Coldwell Banker Residential Brokerage Janet Hoover · Coastal Premier Properties Calvin Goad · RE/MAX Kathy Huang · Coldwell Banker Anne Gold · CENTURY 21 Award Marie Huff · Berkshire Hathaway HomeServices Page 16 Lisa Goldstien · Keller Williams Lori Gomez · Berkshire Hathaway HomeServices California Properties Page 20 Kevin Hugli · Keller Williams Chris Hyatt · CENTURY 21 Award Nelson Goncalves · Rebnel Realty Lynn Hyder · Keller Williams Janet Gontang · Coldwell Banker Residential Brokerage Jesse Ibanez · The GreenHouse Group Page 20 Tony Gorodeckas · Mission Realty Group Yolanda Iloski · RE/MAX/Shay, Realtors Jeff Grant · Sand & Sea Investments Whitney Jack · SD Homes Noah Grassi · RE/MAX Coastal Properties Gus Jaleel · Amerihomes Realty William Green · Ascent Real Estate Cheri Jessup · Jessup and Associates Realty James Groark · Willis Allen Real Estate William Johnson · RE/MAX Associates Merton Guin · Berkshire Hathaway HomeServices, La Jolla Keke Jones · Pacific Sotheby’s International Realty Kim Gurreri · Allison James Estates & Homes Maureen Kelly · Better Homes and Gardens Real Estate Heritage Properties Peter Gyorgy · Ascent Real Estate Page 19 Gary Kent · Keller Williams La Jolla Mike Habib · Coldwell Banker Kevin Hall · Berkshire Hathaway HomeServices California Properties Page 16 Page 13 Joanne Kerr · ARG Abbott Realty Group Vien Kettavong · Big Block Realty Petra Korbel · Berkshire Hathaway Wolfgang Kranzle · Realty Experts Lynn Hamilton · Coldwell Banker Tamara Krause · CENTURY 21 Award Lisa Harden · Berkshire Hathaway Stanley Krimerman · Berkshire Hathaway HomeServices Deborah Harper · Coldwell Banker Mary Jane Harris · Better Homes and Gardens Real Estate Heritage Properties Page 19 Bob Kubie · The Metropolitan Group Jeff Harvey · San Diego Metro Living Emma Lefkowitz · Quality First Real Estate Sasha Harvey · San Diego Castles Realty Joseph Lerner · Keller Williams San Diego Central Coastal Estelle Hayes · Solymar Real Estate Patricia Haynsworth · Willis Allen Real Estate Eric Hays · Ascent Real Estate FS • 8 — www.fivestarprofessional.com Dawn Leahy · Pacific Sotheby’s International Realty Bruce Levine · Bruce Levine Homes Laura Lhotsky · Laura Lhotsky Real Estate Group S © Fiv S tar Pr o t e F © iv S ar Pr f o t e F © iv S ar Pr fe Fiv e S ta Pr ofe ssi r o s t e P ive St ar ro fes sio P n a s f St r P ro es io n a s f St r P ro es io al ar r fe sio na o s P ar r fe sio na l o s Five Star Real Estate Agents All award winners are sorted by city and listed alphabetically by last name. Pauline Lim-Endresen · Pacific Sotheby’s International Realty Page 21 Carla Molino · Coldwell Banker Residential Page 21 Novell Riley · Coldwell Banker La Jolla Residential Jerry Linney · Ascent Real Estate Charles Moore · Coldwell Banker Sandra Rockhill · Scott & Quinn Real Estate Marivic Lisama · Prudential California Realty Farryl Moore · Coldwell Banker Residential Rosalie Rodriguez · Ascent Real Estate Jesse Morrison · HomeSmart Realty West Jeff Rosa · Allen & Rosa Lisa Mortensen · Scott & Quinn Real Estate Thad Ryan · Ascent Real Estate Penny Nathan · Ascent Real Estate Mary Alice Sarachek · Coldwell Banker Residential Real Estate Douglas Lister · Sapphire Realty/Emerald Mortgage Jeremy Lock · Coldwell Banker Residential Brokerage Krista Lombardi · Lombardi Team Page 14 Jane Loveday · Pacific Real Estate Center Elizabeth Lovenberg · Windermere Homes & Estates John Lowe · San Diego Castles Realty James Manuccia · Berkshire Hathaway HomeServices California Properties Blake Marchand · RE/MAX Pacific Nadine Nelson · Berkshire Hathaway HomeServices California Properties Carol Newbrough · CENTURY 21 United Brokers Jeff Nix · Pacific Sotheby’s International Realty Gail Nordstrom · McMillin Realty Gary Nordstrom · McMillin Realty Arlo Nugent · Blue Chip Realty Group Matthew O’Brien · Coldwell Banker Residential Brokerage Bobby Martins · Keller Williams Amy O’Dorisio · Ascent Real Estate Thomas Mattix · RE/MAX Coastal Properties Lisa Mcafee · Coldwell Banker Residential Brokerage Denny Oh · Pacific Sotheby’s International Realty Ed Orenstein · Keller Williams Richard McCandless · Realty Executives Lisa Orlansky · Coldwell Banker Patricia McCarty · Berkshire Hathaway HomeServices California Properties Elisa O’Rourke · Home Hunters Anne-Marie McCormick · Keller Williams Steve McCormick · Coldwell Banker Residential Brokerage Mary McQuinn · CENTURY 21 1st Choice Realty Ron Oster · Ascent Real Estate Susan Otto · RE/MAX Ranch & Beach Page 22 George Pappas · REebroker Kathy Payne · Ascent Real Estate Jeff Mendelsohn · Pacific Sotheby’s International Realty Ken Pecus · Ascent Real Estate Luis Mendoza · CENTURY 21 Award James Peters · Berkshire Hathaway HomeServices California Properties Wendy Persson · Trident Realty Group Franchesca Meram · Avenu Realty Group Pascale Mercier · Coldwell Banker Allen Meredith · RE/MAX Ranch & Beach Ethel Merriman · Merriman Real Estate Services Marvin Miles · Property Gallery Harry Miller · Harry Miller California Real Estate Lori Miller · 1st Choice Properties Sharon Miller · RE/MAX United Page 21 David Pettigrew · Coldwell Banker Page 22 Diane Phillips · CENTURY 21 United Brokers Kimberly Platt · Willis Allen Real Estate Dale Politte · McMillin Realty Mark Powell · Discovery Property Group James Prechtl · infoSanDiego Shawn Proffitt · Real Living Lifestyles Mark Mills · RE/MAX Real Estate Consultants Dave Ragusa · CENTURY 21 Award Ivana Milosevic · CENTURY 21 Award Deborah Reed · Coldwell Banker Saied Mojabi · Coldwell Banker Thomas Reid · 1st Choice Properties Frank Rashid · Rashid Realty Services Page 16 Jeannine Savory · Berkshire Hathaway HomeServices Christopher Schell · Ascent Real Estate Mary Schlesing · Willis Allen Real Estate Jennifer Schlick · RE/MAX Associates Page 22 Valerie Schmitt · Coldwell Banker Residential Brokerage Jonathan Schneeweiss · Schneeweiss Properties Page 15 Drew Schulte · San Diego Home Sales George Schweer · Better Homes and Gardens Real Estate Heritage Properties Jim Scott · Scott & Quinn Real Estate Laura Seideman · Coastal Premier Properties Kimbra Sellers · Allison James Estates & Homes Erick Sevilla · Pacific Sotheby’s International Realty Jonathon Shea · Shea Realty Cleve Shirley · Nuvilla Real Estate Cecil Shuffler · Willis Allen Real Estate Steve Shulman · RE/MAX United Lionel Silva · Keller Williams Judy Slack · Willis Allen Real Estate Tiny Sluka · Coldwell Banker Sandra Smelik · CENTURY 21 Award Cheryl Smith · CENTURY 21 Trent St. Louis · The Metropolitan Group Trudy Stambook · Centre City Properties/ Trudy Stambook Luxury Properties Page 15 Scott Steingrebe · Berkshire Hathaway Natalie Stenehjem · Coldwell Banker Brian Stewart · RE/MAX Hometown Realtors Gary Strohmenger · Keller Williams Kathleen Studer · Pacific Sotheby’s International Realty Page 22 FS • 9 — www.fivestarprofessional.com 2014 Five Star Real Estate Agents ve SPECIAL ADVERTISING SECTION S © Fiv S tar Pr o t e F © iv S ar Pr f o t e F © iv S ar Pr fe Fiv e S ta Pr ofe ssi r o s t e P ive St ar ro fes sio P n a s f St r P ro es io n a s f St r P ro es io al ar r fe sio na o s P ar r fe sio na l o s 2014 Five Star Real Estate Agents ve SPECIAL ADVERTISING SECTION Five Star Real Estate Agents All award winners are sorted by city and listed alphabetically by last name. Mark Stuhmer · Berkshire Hathaway HomeServices Diane Sullivan · Pacific Real Estate Center Page 22 Lisa Susca · San Diego Castles Realty Kenneth Tablang · Ascent Real Estate Evan Tando · Finest City Homes & Loans Kim Ward · Horizon Real Estate Santee John Watmore · San Diego Better Homes William Browne · ZIP Realty Casey Webb · RE/MAX Associates Ron Durrett · CENTURY 21 Award Diana Webber · Coldwell Banker Dave Grotewiel · Windermere Real Estate Craig Wells · Abbott Realty Group Deniese Ossey · Coldwell Banker Residential Brokerage Noel Wheeler · Ascent Real Estate Paige White · The Virtual Realty Group Suzanne Witbrodt · Premier Real Estate Ron Wilson · Shea Realty Solana Beach Jessica Wolf · Ascent Real Estate Jo Ambrogio · Coldwell Banker Russell Taylor · RE/MAX Associates Nancy Wolfing · Ascent Real Estate Rich Teeter · Coldwell Banker Residential Brokerage Richard Woods · Woods Real Estate Services Page 17 Scott Billington · Coastal San Diego Homes Page 18 Maureen Tess · Coldwell Banker Shaun Worthen · Berkshire Hathaway HomeServices California Properties Farah Tanous · Sunny Coast Property Management Ann Tasias-Patounas · RE/MAX Page 17 Fiona Theseira · Keller Williams San Diego Central Coastal Charles Tiano · C. Edward & Company Greg Timms · Windermere Homes & Estates Page 23 Debbie Toon · Orion Management and Realty Kim Tran · Keller Williams Michael Tristani · Tristani Real Estate Group Melissa G. Tucci · CENTURY 21 All Service Page 23 Maria Turfler · Berkshire Hathaway HomeServices California Properties Danielle Wright · Berkshire Hathaway HomeServices Tim Hart · Dave Stubbs Real Estate Scott Peck · Real Living Lifestyles Aaron Roth · Aaron Roth Real Estate Spring Valley Pamela Xitco · Berkshire Hathaway HomeServices Page 21 Bill Little · Berkshire Hathaway HomeServices California Properties Carolyn Yarbrough · Pacific Sotheby’s International Realty University City Karen Young · RE/MAX Hometown Realtors Katie Dunahoo · Coldwell Banker Julia Zamba · Keller Williams Vista Beth Zedaker · Willis Allen Real Estate Page 17 Valerie Ziegenfuss · CENTURY 21 Award Page 23 Lia Tysdal · Keller Williams San Marcos Valerie Upham · Pacific Sotheby’s International Realty Michael Bajema · CENTURY 21 Award Cristine Clark · Realty Executives Casey Cooke · Coldwell Banker Residential Brokerage Mark Hoadley · Realty Executives Page 20 Linda Krikorian · Coldwell Banker Residential Brokerage Ralph Vagnone · Balboa Real Estate Janice Davidson · The Davidson Group Realty George Marhoefer · Get Real Estate Randy Vance · San Diego Military Realty/ Vance Properties Angela Holt · Kindred Real Estate David Reeve · Reeve Realty Shawn Vanmeter · Academy Properties Ragina Hoover · Carrington Real Estate Services Page 20 Suzanne Stacy · Coldwell Banker Jody Vansumer · San Diego Market Realty Ilana Huff · Hometown Realty Scott Voak · Voak Homes Jena Jonville · Keller Williams/Jonville Team Scott Waid · Realty Executives Paige Marvil · Keller Williams Peggy Walkush · Keller Williams Kelly Nicolaisen · Realty Place “Make sure you’re dealing with someone who is knowledgeable and ethical.” — Five Star award winner FS • 10 — www.fivestarprofessional.com S © Fiv S tar Pr o t e F © iv S ar Pr f o t e F © iv S ar Pr fe Fiv e S ta Pr ofe ssi r o s t e P ive St ar ro fes sio P n a s f St r P ro es io n a s f St r P ro es io al ar r fe sio na o s P ar r fe sio na l o s Five Star Real Estate Agents 2014 Five Star Real Estate Agents ve SPECIAL ADVERTISING SECTION Mary Heon North County and San Diego Area Expert Del Mar, Rancho Santa Fe, Carmel Valley, La Jolla, North County Coastal Six-year winner Mary Heon • • • • Top 1% nationally (Coldwell Banker Real Estate) relocation expert Fine homes and estates specialist, negotiation and marketing professional Consistent record of success with more than 24 years of experience Realtor of choice for numerous local and national employers That Mary Heon was chosen for the sixth year as Five Star Real Estate Agent is no surprise to those who know her. A genuine professional, Mary exceeds expectations with boundless enthusiasm, energy and mindful care for each and every one of her clients. “The success of each of my clients is my purpose and my No. 1 priority!” Excellence is doing ordinary things with extraordinary dedication, attention to detail and confident care. Mary is excellence in action. Mary’s winning attitude, combined with her 24 years of experience and vast knowledge of San Diego, has put her in the top 1 percent of all Coldwell Banker sales associates consistently since 1994. Corporations and employers rely on her vast knowledge of the entire San Diego area as they attract new talent and relocate employees. “I’m truly blessed to have the friendship and confidence of so many clients over the years. We make things happen together! I’m among the very lucky to have found my passion in life early — I love this business! It’s a huge honor to represent so many amazing people in what is one of the biggest events in life — buying or selling a home.” 2651 Via De La Valle • Del Mar, CA 92014 Phone: 619-888-SOLD (7653) [email protected] • www.maryheon.com FS • 11 — www.fivestarprofessional.com CalBRE 1043449 S © Fiv S tar Pr o t e F © iv S ar Pr f o t e F © iv S ar Pr fe Fiv e S ta Pr ofe ssi r o s t e P ive St ar ro fes sio P n a s f St r P ro es io n a s f St r P ro es io al ar r fe sio na o s P ar r fe sio na l o s SPECIAL ADVERTISING SECTION George Cooke Get the Big Picture With a Team That Works for You • Internet and photo-marketing specialist • Rancho Bernardo, Poway and I-15 corridor • Longtime resident and community leader • International President’s Premier • Quality customer service, proven results Left to right: Kip Peppin, six-year winner George Cooke, Julie Brown George Cooke, a top-producing Realtor with Coldwell Banker in Rancho Bernardo, provides outstanding service to his clients with a winning combination of community expertise and business marketing skills. Because most buyers begin their search on the Internet, it’s important to have a marketing plan that makes your home stand out and be noticed online. Strategic pricing in local markets is another important factor. Sellers get a custom website for their listing. Buyers receive focused property searches and community insights. 16363 Bernardo Center Drive San Diego, CA 92128 Direct: 858-674-1222 Office: 858-676-6177 [email protected] www.GeorgeCooke.com ve 2014 Five Star Real Estate Agents Five Star Real Estate Agents CalBRE 01435275 Grand Pacific Properties Group Homes, Condominiums, Executive Relocation, Property Management • Quarter-billion dollars in sales • La Jolla, Fashion Valley, Mission Valley, Pacific Beach, Carmel Valley, Pt. Loma Left to right: Tugg Snowbarger and 2014 winner Richard Neely, Jr. Receiving the Five Star Professional award this year is truly an honor. We would like to thank our incredible clients for nominating Richard and the privilege of working with them. We strive daily to exceed expectations and provide the most seamless real estate transaction there can be. With our highly skilled team approach, we continue to raise the bar of excellence in service. For sellers, our presentation of their properties is unparalleled, resulting in the best price the market will bear. For buyers, our approachable and friendly demeanor and savvy knowledge of market trends provide trust in echoing each transaction as if it were our own. P.O. Box 2266 La Jolla, CA 92038 Tugg: 619-318-9600 Richard: 619-750-1107 [email protected] [email protected] www.grandpacificproperties.com CalBRE 1264175 FS • 12 — www.fivestarprofessional.com S © Fiv S tar Pr o t e F © iv S ar Pr f o t e F © iv S ar Pr fe Fiv e S ta Pr ofe ssi r o s t e P ive St ar ro fes sio P n a s f St r P ro es io n a s f St r P ro es io al ar r fe sio na o s P ar r fe sio na l o s SPECIAL ADVERTISING SECTION Debbi Houshar Dream Homes of San Diego • We strive to exceed your expectations • We care about you and we get it • Your needs drive us — it’s about you! • We are in your court … 100 percent • Representing you and proud of it! Four-year winner Debbi Houshar Working hard for you! ve The market is always changing and helping you become educated is one of our top priorities. Whether you are just testing the water or in the heat of negotiations, we are your go-to team. We are extremely thankful that our clients appreciate our hard work and what better testament than this award! Thank you for your support and remembering us for all of your real estate needs. We are now a fourth-year recipient and could not be more proud. Please stay in touch; we are here for you! Carlsbad, CA 92011 Phone: 619-865-6521 [email protected] www.DreamHomesofSanDiego.com CalBRE 00866299 Lynn Hyder Recipient of the Five Star Real Estate Agent Award • It is fun to work with Lynn! • She is knowledgeable and knows the market well • Lynn is committed to complete client satisfaction • Her proven track record is a big plus • Specializes in Del Mar/Carmel Valley Two-year winner Lynn Hyder Client satisfaction is the cornerstone of Lynn’s successful real estate career. Her loyal clientele continually support her with referrals to family members and work associates — the best compliment possible and proof that she has discovered the winning combination for success. Her experience, skill and familiarity with the coastal real estate market in San Diego are essential ingredients needed to provide her clients with an enjoyable buying or selling experience. Utilizing her strong communication and negotiation skills, high energy and effective marketing tactics, she is dedicated to providing your family with service unsurpassed in today’s market! A real winning combination! Keller Williams Realty 12780 High Bluff Drive, Suite 130 San Diego, CA 92130 Phone: 858-509-8599 [email protected] www.HyderRealEstate.com CalBRE 01514614 FS • 13 — www.fivestarprofessional.com 2014 Five Star Real Estate Agents Five Star Real Estate Agents S © Fiv S tar Pr o t e F © iv S ar Pr f o t e F © iv S ar Pr fe Fiv e S ta Pr ofe ssi r o s t e P ive St ar ro fes sio P n a s f St r P ro es io n a s f St r P ro es io al ar r fe sio na o s P ar r fe sio na l o s SPECIAL ADVERTISING SECTION Lombardi Team We Are 100 Percent Committed to You • Voted No. 1 U-T’s Best of Poll in 2011 • Top 3 in U-T’s Best of Poll in 2012 • Member of Luxury Home Marketing • Certified Negotiation Expert • Outstanding attention to detail Left to right: Victor Zuniga, seven-year winner Krista Lombardi and Kevin Castro Krista Lombardi always wanted to be a real estate agent. It is her passion and what she loves. She is a dedicated, hardworking individual who has the knowledge to help you and your family in the toughest of real estate situations. Krista is a team leader, Certified Negotiation Expert, Seller Representative Specialist and part of the Institute of Luxury Home Marketing. After years of experience, to better serve her cients, she put together a team of experienced native agents composed of Victor Zuniga and Kevin Castro, whose work ethics are in line with hers. Email her at [email protected] and experience the difference. ve 2014 Five Star Real Estate Agents Five Star Real Estate Agents 890 West Washington Street San Diego, CA, 92103 Office: 619-519-3251 Cell: 619-519-3251 [email protected] SanDiegoRealEstateCafe.com CalBRE 1504924 Shannon C. Hagan Carla Coshow Coldwell Banker 2651 Via de la Valle Del Mar, CA 92014 1286 University Ave. San Diego, CA 92103 Cell: 619-246-6807 [email protected] CoshowRealEstateGroup.com Cell: 858-414-7514 [email protected] CalBRE 001213577 CalBRE 00676894 Dedicated, Personalized Services Top 1% Nationally, Coldwell Banker Since 1997 Experience — licensed in 1979 Dedication — your needs come first Proficient — ongoing education and market information Reliable — details, details, details Expertise — proven marketer and negotiator • Specializing in coastal San Diego, from downtown to La Jolla, Del Mar and Rancho Santa Fe • Proven marketing results and property marketing plans • Source for comment — The Wall Street Journal, Unique Homes • Diligent, driven and thorough with a sense of humor Carla is a real estate broker who listens to your wants and needs and works hard to make it happen. She is experienced with residential, investment and commercial properties. A San Diego native who resides in Hillcrest, she represents clients throughout the city. She is strongly committed to client satisfaction and proudly represents staff and employees of Qualcomm, Sony and Sharp hospitals. Carla is a member of GSDBA and the Better Business Bureau. I am honored, once again, to have received this award and I am fortunate that I love what I do. I realize that my guidance makes a huge difference in the quality of my clients’ lives and finances. I am educated (B.S. in finance), and a tough negotiator with no team members, so my clients work exclusively with me. My philosophy is simple: if you act as if you are working on your own behalf, you will always do the best job possible and you will be respected by your clients and peers. • • • • • FS • 14 — www.fivestarprofessional.com S © Fiv S tar Pr o t e F © iv S ar Pr f o t e F © iv S ar Pr fe Fiv e S ta Pr ofe ssi r o s t e P ive St ar ro fes sio P n a s f St r P ro es io n a s f St r P ro es io al ar r fe sio na o s P ar r fe sio na l o s SPECIAL ADVERTISING SECTION David Rudd Jonathan Schneeweiss 16870 W Bernardo Dr., Ste. 400 San Diego, CA 92127 Cell: 858-395-6315 [email protected] www.kindredre.com San Diego, CA 92107 Direct: 619-279-3333 [email protected] www.SDHomePro.com CalBRE 01402946 CalBRE 1378508 Seven-Year Winner! Hailed Best Agent/Broker by His Clients: • • • • • “Commands the marketplace” “Practically a rock star” “Genuine interest in our goals” “No match to his dedication and licensing” “Integrity, thorough, patient and cares” • • • • • ve We rarely come across real estate professionals with the exceptional background that David Rudd offers. His extensive real estate licensing and experience gives clients a significant edge in the real estate marketplace. Whether he is selling your home or finding your new home, his honest, dedicated and trustworthy nature has clients saying, “David always makes you feel like he is only working for you!” Trudy Stambook Trudy Stambook Luxury Properties 220 West G St., Ste. A San Diego, CA 92101 Jonathan is a broker and attorney Former naval officer Handles all of San Diego County 2013: Finalist, SD “Broker of the Year” by SDAR More details at www.SDHomePro.com Jonathan would like to thank all of his clients for selecting him as a Five Star Real Estate Agent again this year! Jonathan’s background as a real estate and land use attorney, as well as private developer, gives him a unique ability to guide his clients through the real estate process whether it is a residential, multiunit, commercial, condominium or land transaction. Top five questions that real estate agents want you to answer: 1. What are your goals? 2. What price range are you comfortable with? 3. Are you pre-qualified? 4. What is your timeframe? Direct: 619-252-1944 5. If we find the right property, are you prepared to purchase it today? [email protected] www.TrudyStambook.com CalBRE 00694195 Passion for Excellence and Service • • • • • More than 30 years of real estate experience In-depth local luxury market expertise More than two decades of worldwide marketing Discreet, individualized client service Representing both buyers and sellers Thank you to all of my most generous and thoughtful clients for this very special honor. It is a privilege to work with you to realize your real estate goals and to enjoy long-lasting relationships. Real estate is very personal, and every detail matters. It is my goal to continue sharing insights into extraordinary living through worldwide collaboration of elite professionals, resources and personalized, professional service. Centre City Properties. From research conducted by Five Star Professional, April 2011 FS • 15 — www.fivestarprofessional.com 2014 Five Star Real Estate Agents Five Star Real Estate Agents S © Fiv S tar Pr o t e F © iv S ar Pr f o t e F © iv S ar Pr fe Fiv e S ta Pr ofe ssi r o s t e P ive St ar ro fes sio P n a s f St r P ro es io n a s f St r P ro es io al ar r fe sio na o s P ar r fe sio na l o s 2014 Five Star Real Estate Agents ve SPECIAL ADVERTISING SECTION Five Star Real Estate Agents Dara Chantarit Peggy Foos Allison James Estates and Homes Del Mar, CA 92014 Cell: 858-775-1872 [email protected] www.AllisonJamesInc.com Berkshire Hathaway HomeServices California Properties 3790 Via de la Valle Del Mar, CA 92014 Phone: 858-354-7503 [email protected] www.peggypfoos.com CalBRE 01935781 CalBRE 01423397 CalBRE 01178134 Thank you, clients, for your continued support, trust and recognition. It is my commitment to have integrity, in-depth co m m u n i t y a n d m a r k e t k n ow l e d g e, along with effective negotiation skills to successfully meet the needs of each client. I truly care and value each relationship. I am also fluent in Japanese. As a seven-year award recipient, Dara has a proven dedication to her clients who say her integrity stands out among Realtors, and she always keeps their best interests as a top priority. Dara’s specialties include working with buyers, sellers, relocations, seniors, short- and long-term rentals and luxury coastal vacation rentals. Our team loves going to work every day and it shows! Customer service is easy when you have the best clients in the world. Our team is 85 percent referral based due to our extensive real estate experience, which includes sales, appraisal, retail sales and leasing and interior design ability. Kris Akagi 16789 Bernardo Center Dr. San Diego, CA 92128 Cell: 760-855-5281 Office: 858-487-5110 [email protected] Patti Gerke Pacific Sotheby’s International Realty Rancho Santa Fe, CA 92067 Phone: 760-525-7269 [email protected] www.pattigerke.com Kevin Hall “Don’t try to be all things to all people. Stick to what you know best.” 2365 Northside Dr., Ste. 2 San Diego, CA 92108 Office: 619-497-3492 Moble: 619-920-3492 [email protected] www.Kevinhallrealestate.com — Five Star award winner CalBRE 1050521 CalBRE 01386269 Kevin has a no-nonsense, client-oriented approach to providing the best real estate experience for the sale or purchase of your home. Kevin’s 24 years of experience, combined with his honest and direct communication style, have resulted in his receipt of multiple annual industry awards and his ranking in the top 1 percent of agents nationally in Berkshire Hathaway HomeServices network. Integrity, extensive market knowledge and strong negotiation skills repeatedly make Patti a successful Five Star Real Estate Agent. Patti is passionate about finding the community that best meets her clients’ needs, as well as locating the home for them to create a lifetime of memories. Marie Huff 1299 Prospect St. La Jolla, CA 92037 Phone: 619-838-9400 Phone: 858-551-7247 [email protected] www.MarieHuff.com Ron Klein Klein Sells San Diego 14675 Ranch Trail Dr. Blossom Valley, CA 92021 Direct: 619-277-8000 [email protected] www.KleinSellsSanDiego.com Saied Mojabi 5950 Santo Rd., Ste. I San Diego, CA 92124 Phone: 858-565-1389 Phone: 858-442-1389 [email protected] www.saiedmojabi.com CalBRE 01110179 CalBRE 01348517 CalBRE OO860307 Marie is a San Diego native specializing in coastal homes. An annual award winner within Berkshire Hathaway, Marie is a top producer and brings 24 years of experience to all purchases, sales and leases. Her superior service makes working with Marie a pleasure. Honesty, integrity, market knowledge and expert negotiation skills make Ron successful. Raised in San Diego and a SDSU graduate, he treats all of his clients as if they were family. Ron is ethical with an excellent reputation, a member of the Better Business Bureau and always available for clients. For more than 30 years, Saied has used his powerful skills and vast real estate knowledge as a negotiator, along with intense work ethic and dedication, to achieve results for his clients. He is always a topproducing agent in San Diego County. FS • 16 — www.fivestarprofessional.com S © Fiv S tar Pr o t e F © iv S ar Pr f o t e F © iv S ar Pr fe Fiv e S ta Pr ofe ssi r o s t e P ive St ar ro fes sio P n a s f St r P ro es io n a s f St r P ro es io al ar r fe sio na o s P ar r fe sio na l o s Five Star Real Estate Agents Val O’Connor Joan Schultz Coldwell Banker Residential 9332 Fuerte Dr. La Mesa/Mt. Helix, CA 91941 Phone: 619-665-1865 [email protected] valoconnor.com Berkshire Hathaway HomeServices 1299 Prospect St. La Jolla, CA 92037 Phone: 858-551-7218 Cell: 619-261-3804 [email protected] www.sellinglajollahomes.com Karen Schwan 330 W. Felicita Ave., Ste. D2 Escondido, CA 92025 Phone: 760-473-7172 Fax: 866-222-3298 [email protected] www.karenschwan.com CalBRE 01233012 CalBRE 00681938 CalBRE 01415072 Val O’Connor, Realtor, SFR®, CNE, has successfully consulted for buyers and sellers across San Diego County for 20 years, specializing in Mount Helix and the surrounding foothills of East County. A longtime Mount Helix resident, O’Connor supports her turf and community with numerous philanthropic efforts and a 24/7 passionate dedication to real estate! She rocks! Ranked in the top 1 percent of more than 54,000 Berkshire Hathaway real estate agents nationally, Joan is respected by her peers and clients for her commitment to honesty and integrity. Her service has an “it’s my pleasure” approach. Thank you, clients, for your support and trust. Without you, this award is not possible. My goal is knowledge and expertise together with commitment to outstanding client service. I specialize in traditional and distressed property sales and I am a certified Military Relocation Professional. Ann Tasias Patounas RE/MAX United 10650 Scripps Ranch Blvd., Ste. 112 San Diego, CA 92131 Phone: 858-486-0748 [email protected] www.anntasias.com Richard Woods Beth Zedaker 930 W Washington St., Ste. 1 San Diego, CA 92103 Office: 619-260-8323 Direct: 619-347-9866 [email protected] WoodsRealEstateServices.com 2904 Canon St. San Diego, CA 92106 Direct: 619-602-9610 Phone: 619-226-7800 [email protected] www.bethzedaker.com CalBRE 01056954 CalBRE 01412706 CalBRE 0101847 Ann is a graduate of UC San Diego and is a real estate broker and Realtor with more than 25 years of San Diego real estate experience. She specializes in the sales and marketing of homes in San Diego and the I-15 corridor. I am not only a real estate broker, but a licensed attorney, skilled in the art of negotiation, which is crucial in today’s everchanging and challenging market. With an unrelenting resolution to be the best, I strive for excellence as a real estate and legal professional. It is an honor to receive the Five Star award for the seveth consecutive year. Thank you to my clients for their endorsement on the customer service and attention to detail I provide. With 24 years of experience, you can depend on my professionalism, expertise, integrity and reliability as your local and trusted Realtor. “Always be honest. It can take a lifetime to build a reputation, but it can only take a second to destroy it.” — Five Star award winner FS • 17 — www.fivestarprofessional.com 2014 Five Star Real Estate Agents ve SPECIAL ADVERTISING SECTION S © Fiv S tar Pr o t e F © iv S ar Pr f o t e F © iv S ar Pr fe Fiv e S ta Pr ofe ssi r o s t e P ive St ar ro fes sio P n a s f St r P ro es io n a s f St r P ro es io al ar r fe sio na o s P ar r fe sio na l o s 2014 Five Star Real Estate Agents ve SPECIAL ADVERTISING SECTION Five Star Real Estate Agents Sherry Adams HomeSmart Realty West 760-420-8181 [email protected] SherryAdamsRealtor.com 25-Plus Years of Selling Real Estate Nikki Butera Coldwell Banker Residential 858-735-4225 [email protected] www.NikkiButera.com Expertise, Ethics and Enthusiasm CalBRE 849031 Yalda Alawi Keller Williams 619-722-5239 [email protected] www.SanDiegoRealEstateLady.com I Am Here Because of You! Thank You! CalBRE 1304827 Toni Church Coldwell Banker 858-354-5820 [email protected] www.ToniChurch.com Helping Make Your Move Smooth CalBRE 1864967 Linda Anderson Coastal Inland Properties CalBRE 1119025 Dan Conway The Guiltinan Group 888-220-8801 [email protected] coastalinlandproperties.com 858-243-5278 [email protected] www.DanConwaySOLD.com A Strong, Proven Track Record! CalBRE 1363959 Vay Ashby Berkshire Hathaway HomeServices 760-815-5370 [email protected] Six-Year Five Star Award Winner CalBRE 1416672 Louise Copeland Keller Williams Realty 760-419-1930 [email protected] www.LouiseCopeland.com Your Exclusive Realty Advisor! CalBRE 1462655 Gabrielle Benjamin RE/MAX Associates 858-272-6000 [email protected] www.gabriellehomes.com CalBRE 1099780 Sandra Copeland Pacific Sotheby’s International Realty 760-716-6110 [email protected] www.NorthSanDiegoRealty.com CalBRE 00770667 Scott Billington Coastal San Diego Homes 858-829-8726 [email protected] www.csd-homes.com Independent Real Estate Broker CalBRE 00679984 Bob Davis 5-Star Realty 760-525-0123 [email protected] 5-StarRealty.com Honesty, Integrity, Service CalBRE 01434358 Sheryl Brown HomeSmart Realty West 760-639-0696 [email protected] www.sherylbrown.com Personal. Professional. Preferred. CalBRE 01373090 FS • 18 — www.fivestarprofessional.com CalBRE 01719018 Cindy DePhillips SeaCoast Exclusive Properties 760-505-6361 [email protected] www.cindydephillips.com Relax, I’ll Handle the Details CalBRE 1371533 S © Fiv S tar Pr o t e F © iv S ar Pr f o t e F © iv S ar Pr fe Fiv e S ta Pr ofe ssi r o s t e P ive St ar ro fes sio P n a s f St r P ro es io n a s f St r P ro es io al ar r fe sio na o s P ar r fe sio na l o s Five Star Real Estate Agents Todd Devin Devin Properties, Inc. 619-313-7313 [email protected] www.devinproperties.net Fast, Fair and Hassle-Free Real Estate Arman Freeman Arman Freeman Real Estate 858-663-1166 [email protected] ArmanFreeman.com Your Realtor for Life CalBRE 1243286 Bryan Devore Berkshire Hathaway HomeServices California Properties CalBRE 00708877 Kris Gelbart Coldwell Banker Residential 760-908-3838 www.TheDevores.com Providing World-Class Service Since 2003 858-395-0761 [email protected] www.KrisGelbartRealty.com Dedicated to Your Real Estate Needs Vicki Dutch-Jones First Choice Properties, Inc. Chris Gorno Windermere CalBRE 1397835 619-723-7010 [email protected] www.VickiDutchJones.com Honesty · Integrity · Commitment CalBRE 01345809 619-788-4345 [email protected] www.ChrisGorno.com Here’s to Your Dream Home … Cheers! CalBRE 1384539 Karen Dye Coldwell Banker Country Realty 760-787-3179 [email protected] www.kdyehomes.com Don’t Make a Move Without Me! CalBRE 01499885 David Gullifer Prolific Real Estate 858-875-8322 David@prolificrealestate.com www.ProlificRealEstate.com Today Is Someday CalBRE 01329918 Char Ekoniak Coastal Rock Realty 619-274-1403 [email protected] www.CoastalRockRealty.com Committed to Service and Integrity CalBRE 1741080 Peter Gyorgy Ascent Real Estate 619-788-4999 [email protected] www.PeterGyorgy.com Pete Sells San Diego! CalBRE 01390397 Georgia Ellis Berkshire Hathaway HomeServices 619-988-2455 [email protected] georgiaellis.com Broker Associate/Fine Home Specialist CalBRE 01454096 Pat Haeckel Real Living Lifestyles Real Estate 619-857-8876 [email protected] PatAndLauraSellSanDiego.com GRI, CRS, SRES, Relocation Specialist CalBRE 01012774 Myrna Evans Windermere Homes & Estates Realtor 858-472-1051 [email protected] www.MyrnaEvans.com Serving North County Inland to the Coast! CalBRE 576846 Mary Jane Harris Better Homes and Gardens Heritage Properties 619-518-1159 [email protected] maryjaneharris.com CalBRE 01220289 FS • 19 — www.fivestarprofessional.com CalBRE 00890886 2014 Five Star Real Estate Agents ve SPECIAL ADVERTISING SECTION S © Fiv S tar Pr o t e F © iv S ar Pr f o t e F © iv S ar Pr fe Fiv e S ta Pr ofe ssi r o s t e P ive St ar ro fes sio P n a s f St r P ro es io n a s f St r P ro es io al ar r fe sio na o s P ar r fe sio na l o s 2014 Five Star Real Estate Agents ve SPECIAL ADVERTISING SECTION Five Star Real Estate Agents Holly Hermanson Real Living Lifestyles Jesse Ibanez The GreenHouse Group 619-417-8974 [email protected] www.delmarcoasthomes.com Your Coastal Home Specialist 858-863-0261 [email protected] www.GreenMeansGrow.com Purpose-Based Real Estate Consulting CalBRE 01447429 Karen Hickman Berkshire Hathaway HomeServices 858-459-4300 [email protected] www.KarenSellsTheCoast.com You’re No. 1 With Me! CalBRE 01405643 Judy Jessup RE/MAX Associates 760-807-1829 [email protected] www.JudyJessup.com Your Real Estate Consultant CalBRE 01015206 Teri J. Hill Hill & Hill Realty, Inc. 619-417-6128 [email protected] www.HillandHillRealty.com Family Owned and Operated Since 1957 CalBRE 00829148 Lynn Judson Judson Real Estate 760-741-9895 [email protected] www.JudsonRealEstate.net Service That Exceeds Expectations CalBRE 966227 Mark Hoadley Realty Executives 760-525-5121 [email protected] www.NorthCountyHouseHunter.com Serving North County for 25 Years CalBRE 01090222 Bonnie Kipperman Leonard Smith Realtor and Associates 619-742-1045 [email protected] Experience and Commitment! CalBRE 1056402 Jim Holland La Jolla Home Finder 858-405-6442 [email protected] www.LaJollaHomeFinder.com Independent Broker/Owner, Client Focused CalBRE 01104734 Lenore Knutzen Coldwell Banker 858-621-5218 www.LenoreKnutzen.com [email protected] “Expect the Best!” CalBRE 01434387, 01915321 Ragina Hoover Carrington Real Estate Services 760-717-8042 [email protected] www.yourhometeamsandiego.com SFR®, SRES, REO, ABR®, PMC, Relocation CalBRE 01072829 Jeannine LaChance Coldwell Banker Residential 858-442-3179 [email protected] www.JeannineLaChance.com Specializing in PUSD Communities CalBRE 1455844 Kathy Huang Coldwell Banker 858-692-8066 [email protected] www.CoastalSDhomes.com CPA With Finance and RE Expertise CalBRE 1839258 FS • 20 — www.fivestarprofessional.com CalBRE 01522123 Carol Lageder Berkshire Hathaway HomeServices 760-822-2775 [email protected] Carol4homes.com Experience Has Its Rewards! CalBRE 01219654 S © Fiv S tar Pr o t e F © iv S ar Pr f o t e F © iv S ar Pr fe Fiv e S ta Pr ofe ssi r o s t e P ive St ar ro fes sio P n a s f St r P ro es io n a s f St r P ro es io al ar r fe sio na o s P ar r fe sio na l o s Five Star Real Estate Agents Monte Lawson RE/MAX Associates 858-442-4008 [email protected] montelawson.com I’m Never Too Busy for Your Referrals Laurie Manley Willis Allen Real Estate 619-972-9071 [email protected] www.SanDiegoRealEstateSAVVY.com Pre-Eminent Personal Service CalBRE 00278436 Cathy LeClair Berkshire Hathaway HomeServices 760-533-9492 [email protected] www.CathyLeClair.com Relocation Certified CalBRE 1849622 Cathi Marinello Marinello & Associates 619-277-1250 [email protected] Cathi Marinello – A Name Friends Recommend CalBRE 01347417 CalBRE 01072983 Pauline Lim-Endresen Pacific Sotheby’s International Realty 619-995-3663 [email protected] www.TheGoldenRuleAgentHomes.com Professionals Honoring the Golden Rule Sharon Miller RE/MAX United 858-635-5171 [email protected] www.sharonmiller.com Trusted Real Estate Consultant CalBRE 00631118 CalBRE 01364102 Carl J. Lofthouse RE/MAX Seagaze Realty 760-505-9631 [email protected] LofthouseRealtors.com We Specialize in Personal Service Pam Miller-Xitco The Lotzof Group Berkshire Hathaway HomeServices 619-851-7269 [email protected] www.TheLotzofGroup.com CalBRE 01792388 Terri Lofthouse RE/MAX Seagaze Realty 760-505-9631 [email protected] LofthouseRealtors.com We Specialize in Personal Service CalBRE 1366373 Carla L. Molino Coldwell Banker Residential 858-382-2282 [email protected] www.carlamolino.com Exceeding Your Expectations! CalBRE 01792389 Megan Luce Willis Allen Real Estate CalBRE 01271186 Clark Moses Stonegate Realty & Mortgage 858-864-8370 [email protected] www.realestatedream.com Never Too Busy for Referrals 619-518-4472 [email protected] Stonegaterealtygroup.com Your Realtor for Life CalBRE 01299167 Susan Manis Manis & Associates 619-445-2398 [email protected] www.SusanManis.com The Name That Friends Recommend CalBRE 01360019 Kyle Murphy Coldwell Banker 760-420-6581 [email protected] www.encinitascoastalrealestate.com Personal Service Tailored to Your Needs CalBRE 01067624 FS • 21 — www.fivestarprofessional.com CalBRE 1847767 2014 Five Star Real Estate Agents ve SPECIAL ADVERTISING SECTION S © Fiv S tar Pr o t e F © iv S ar Pr f o t e F © iv S ar Pr fe Fiv e S ta Pr ofe ssi r o s t e P ive St ar ro fes sio P n a s f St r P ro es io n a s f St r P ro es io al ar r fe sio na o s P ar r fe sio na l o s 2014 Five Star Real Estate Agents ve SPECIAL ADVERTISING SECTION Five Star Real Estate Agents Susan Otto RE/MAX Ranch & Beach 858-208-7713 [email protected] SueSellsSanDiego.com Strives to Exceed Her Clients’ Expectations Tim Skoglin Skoglin Real Estate 858-592-0100 [email protected] www.SkoglinRealEstate.com Let Our Family Help Yours! CalBRE 1413467 “Maui Jim” Ouimet RE/MAX Associates 760-822-3796 [email protected] www.ouimets.com Award-Winning Results With a Smile CalBRE 1222777 David Smith Leonard Smith & Associates 619-981-4100 [email protected] www.davidsmithrealtor.com CalBRE 01248413 Deanne Palmer Berkshire Hathaway HomeServices 619-405-1862 [email protected] www.deannepalmer.com I Make San Diego Your Home! CalBRE 00865064 Jill Smith Leonard Smith & Associates 619-997-8807 [email protected] www.leonardmsmith.com CalBRE 01487194 David Pettigrew Coldwell Banker CalBRE 00861777 Carol Stanford Pacific Sotheby’s Int’l Realty 619-218-1940 [email protected] camoves.com/david.pettigrew Pt. Loma, OB, Mission Hills and San Diego 619-987-8766 [email protected] www.BuyCoronado.com Service That Exceeds Expectations CalBRE 00911397 Arlene Pyjar Berkshire Hathaway HomeServices 619-249-5551 [email protected] www.ArlenePyjar.BHHSCalifornia.com Selling San Diego County CalBRE 01311521 Pamela Ratcliffe McMillin Realty 619-981-5606 [email protected] www.teamratcliffe.com Excellence Is the Order of the Day CalBRE 01152227 Jenny Schlick RE/MAX Associates 619-804-1339 [email protected] www.JennySchlick.com Love Where You Live! Call Jenny! CalBRE 1722129 FS • 22 — www.fivestarprofessional.com CalBRE 1390529 Barbara Stuart Windermere Homes & Estates 858-204-5700 [email protected] www.barbarastuart.net 30 Years of Experience CalBRE 00876985 Kathleen Studer Pacific Sotheby’s International Realty 619-884-9424 [email protected] StuderTeam.com I Won’t Tell You “No,” I’ll Show You How CalBRE 01110180 Diane Sullivan Pacific Real Estate Center 619-223-4263 [email protected] www.dianesullivan.net Your San Diego Coastal Realtor CalBRE 01409974 S © Fiv S tar Pr o t e F © iv S ar Pr f o t e F © iv S ar Pr fe Fiv e S ta Pr ofe ssi r o s t e P ive St ar ro fes sio P n a s f St r P ro es io n a s f St r P ro es io al ar r fe sio na o s P ar r fe sio na l o s Five Star Real Estate Agents Sharon Taylor Real Living Pacific Realty Don Vandover Guardian Agents 760-805-2922 [email protected] 619-253-3205 [email protected] www.VandoverHomes4u.com Your Realtor® Who Watches Over You CalBRE 01201177 Gwen Thompson Coldwell Banker Res. Brokerage 858-676-5223 [email protected] I Love What I Do … Real Estate! CalBRE 1420259 Victoria (Vikki) Varnals RE/MAX United 760-207-8300 [email protected] sandiegohouses4sale.com I Cannot Spell S_ccess Without U! CalBRE 01292907 Greg Timms Windermere Homes & Estates 858-774-3049 [email protected] www.gregtimmsrealestate.com Serving North County San Diego CalBRE 1293656 Gina Vreeburg Sotheby’s International Realty 760-419-8800 [email protected] ginavreeburg.pacificsothebysrealty.com At Your Service! CalBRE 417175 Greta B. Treadgold Gallery Properties CalBRE 01413801 Sharon G. Wittmayer Integrity Real Estate & Home Loans 858-232-0295 [email protected] www.viewlajolla.com Setting the Standard 619-889-4463 [email protected] SharonWittmayerHomes.com We Are Here for You! CalBRE 1450729 Gary Trieschman Pacific Realty CalBRE 01462183 Eric Woods Windermere Homes & Estates 619-423-5555, Ext. 210 Gary@MyPacificRealty.com MyPacificRealty.com Wave After Wave of Service 760-415-2108 [email protected] I Am Always Available to Help Someone You Know! CalBRE 886268 Melissa G. Tucci CENTURY 21 All Service 619-787-6852 [email protected] www.MelissaTucci.com Ranked No. 1 at CENTURY 21 Western Region CalBRE 01344075 Valerie Ziegenfuss CENTURY 21 Award 619-392-6666 [email protected] www.ZiegenfussRealEstate.com High-Performance Real Estate CalBRE 1380034 Loren Uber UBERco 619-988-5277 [email protected] www.theUBERco.com VA Specialist CalBRE 01476153 “Explain things thoroughly, but simply, so the client understands and feels comfortable.” — Five Star award winner CalBRE 01925176 FS • 23 — www.fivestarprofessional.com 2014 Five Star Real Estate Agents ve SPECIAL ADVERTISING SECTION S © Fiv S tar Pr o t e F © iv S ar Pr f o t e F © iv S ar Pr fe Fiv e S ta Pr ofe ssi r o s t e P ive St ar ro fes sio P n a s f St r P ro es io n a s f St r P ro es io al ar r fe sio na o s P ar r fe sio na l o s 2014 Five Star Mortgage Professionals ve SPECIAL ADVERTISING SECTION Five Star Mortgage Professionals Five Star Professional surveyed more than 52,000 San Diego homeowners. The final list of 2014 San Diego Five Star Mortgage Professionals is a select group, representing less than 2 percent of mortgage professionals in the area. Evaluations were collected by mail, phone and online at www.fivestarprofessional.com/homesurvey. All award winners are listed alphabetically by last name. Sheri Arnold · Rancho Financial Sandy Jacks · Wells Fargo Home Mortgage Linnea Arrington · San Diego Funding Page 25 Gary Jackson · imortgage Pawny Ayers · Wells Fargo Rob Johnson · San Diego Funding Tamara Bachioni · Stewart National Mortgage Company Joshua Bahl · Wells Fargo Home Mortgage Chad Baker · W.J. Bradley Mortgage Capital/ Emery Financial Rodrigo Ballon · CMG Financial Scott Sabo · EverBank Aaron Johnson · AmeriFirst Financial Page 25 David Johnston · imortgage Dan Keyes · San Diego Funding Page 25 Page 27 Page 27 Susanne Livingston · Residential Wholesale Mortgage Brendan Bracken · Peoples Mortgage Matt Brady · AmeriFirst Financial Nick Maglio · HomeStreet Bank Craig Bramlett · Bay Equity Home Loans/ CalPacific Adam Manville · Capstone Realty & Financial Maureen Martin · JMJ Financial Doug Brennecke · Rancho Financial Page 27 Cathy Brentlinger · Caliber Home Loans Candice Marx · RPM Mortgage Greg Brooks · Guild Mortgage Company Page 27 Sean McLaren · W.J. Bradley Mortgage Capital Craig Brown · Rancho Financial Kim Moffat · imortgage Angela Montesano · Residential Wholesale Mortgage Page 27 Dean Brown · Samuel Scott Financial Group Page 27 Mark Buchanan · San Diego Funding Page 25 Enzo Morales · Guaranteed Rate Austin Bunn · Mission Home Mortgage Page 27 Michelle Morris · San Diego Funding Page 25 Steve Burns · Burns Financial & Investment Services John Burroughs · Rancho Financial Caron Cain · Morgan Home Loan Funding Lora Calvert · imortgage Michael Campos · Wells Fargo Home Mortgage Angel Carbajal · Bank of America Emmanuel Cien · Wells Fargo Home Mortgage Donald Coleman · USE Credit Union Kristin Coriano · PrimeLending Elena Crossan · American Pacific Mortgage Services Paul Donovan · American Capital Home Loans Dawn DuCharme · Union Bank Page 26 Donnella Fairshter · Affinity Financial Tony Morales · Guaranteed Rate Scott Morse · Genesis Mortgage Gary Mouritzen · W.J. Bradley Mortgage Capital John Murphy · Wells Fargo Home Mortgage Kristen Nicholl · Superb Mortgage and Real Estate Mark Nokes · Residential Wholesale Mortgage Ashley Ortega · CMG Financial Page 27 John Gillis · American Capital Home Loans/ Pinnacle Capital Mortgage Corporation Louis Stathakis · Residential Wholesale Mortgage Lee Ann Stein · Integrity Mortgage Group Page 26 Nancy Stoke · Rancho Financial Page 28 Tracy Story · W.J. Bradley Mortgage Capital Page 27 Todd Struyk · San Diego Funding Page 25 Paige Sturgeon · Granite Mortgage Cheryl Sutcliffe · Wells Fargo Home Mortgage Page 27 Todd Swanson · C2 Financial Corporation Barbara Tammen · Wells Fargo Home Mortgage Hughie Thomas · Coastal Pacific Mortgage Corporation Tracy Trudeau · Rancho Financial Susan Tully · Paramount Residential Mortgage Group Jill Pfeiffer · Pfeiffer Financial Services Kevin Phillips · CMG Financial Carolyn Plummer · AmeriFirst Financial Patricia Tweedie · Warisan Advisors Theresa Tynan · Bay Equity Home Loans Page 28 Loren Uber · UBERco Page 25 Dennis Reese · Rancho Financial Mortgage Center Tom Reid · Residential Wholesale Mortgage Chaz Hinz · Guaranteed Rate Justin Roberts · C2 Financial Corporation Paul Hurley · American Pacific Lenders Jason Stafford · Wells Fargo Home Mortgage Janet Patzer · Home Lenders Tammy Robbins · TR Mortgage Page 25 William Sprong · San Diego Funding Page 25 Robyn Trinci · Prospect Mortgage Robin Hill · First California Mortgage Melissa Howell · San Diego Funding Sharon Smith · First Nations Home Finance Julie Ozanich · Bank of Manhattan Ken Reed · San Diego Funding Robert Geiler · Skyline Home Loans Keenan Smith · HomeServices Lending Page 28 Eric Otfinoski · Movement Mortgage Tony Ratto · JPMorgan Chase Hala Garmo · US Bank Home Mortgage John Smith · Old Mission Mortgage Keith Tong · Residential Wholesale Mortgage Barbara Rapp · Wells Fargo Home Mortgage Lani Furrows · National Residential Bank Anna Smith · Banc Home Loans Katie O’Sullivan · Wells Fargo Home Mortgage Anthony Ramirez · Prospect Mortgage Curtis Fox · HomeServices Lending Page 25 Deborah Silvett · Pacific Sun Mortgage Company Toby Tollack · W.J. Bradley Mortgage Capital John Prietto · JP Mortgage Jamie Familo · Fitzpatrick Capital Brian Shaw · San Diego Funding John Osslund · Integrity 1st Mortgage Paula Pozzi · Bank of America Louis Fajardo · New American Funding Howard Schwartz · CMG Financial Brian Simantel · Superb Mortgage and Real Estate Heidi Lawler · Affinity Home Loans Amy M. Liu · Profunding Financial Ken Bates · Military Home Loans Kurt Schroeder · On Q Financial Louie Shamoon · KAM Financial Mortgage Kory Kavanewsky · CMG Financial Cheryl Kuck · imortgage Jodi Ryder · C2 Financial Corporation/The Ryder Group Clayton Robison · RPM Mortgage Charla Rueda · Cornerstone Home Lending FS • 24 — www.fivestarprofessional.com Page 28 Tiana Uribe · TRU Financial Services Mike Walsh · Mann Mortgage Rob Webber · Bank of America Home Loans Angela Williams · South Pacific Financial Will Wolters · Premium Funding Group Denise Yaeger · Bank of America Matthew Young · MDC Financial Service Group Jay Zayer · The Aramco Group Gary Zink · Pacifica Mortgage Scot Zwonitzer · Bank of America Home Loans S © Fiv S tar Pr o t e F © iv S ar Pr f o t e F © iv S ar Pr fe Fiv e S ta Pr ofe ssi r o s t e P ive St ar ro fes sio P n a s f St r P ro es io n a s f St r P ro es io al ar r fe sio na o s P ar r fe sio na l o s Five Star Mortgage Professionals 2014 Five Star Mortgage Professionals ve SPECIAL ADVERTISING SECTION San Diego Funding Left to right: Five-year winner Michelle Morris, three-year winners Mark Buchanan and Todd Struyk, four-year winner Brian Shaw, five-year winners Linnea Arrington and Rob Johnson, 2014 winner William Sprong, five-year winner Dan Keyes, 2014 winner Melissa Howell, two-year winner Ken Reed • More than 75 percent of our loan officers achieved Five Star awards this year. We take great pride in the long-term relationships that we have established in our community and look forward to continuing to deliver the highest level of service. San Diego Funding has built our reputation by closing VA, FHA, conventional and jumbo loans within 30 days while providing the highest level of customer service. Our office is located in historic Liberty Station, previously known as the Naval Training Center San Diego. For decades, this base trained others for service, just as San Diego Funding has for decades served the financing needs of thousands of homeowners. More than 75 percent of our loan officers achieved Five Star awards this year. We take great pride in the long-term relationships that we have established in our community and look forward to continuing to deliver the highest level of service. 2468 Historic Decatur Road, Suite 160 • San Diego, CA 92106 Office: 619-260-1660 sdfunding.com NMLS 323907, CalBRE 00844652 FS • 25 — www.fivestarprofessional.com S © Fiv S tar Pr o t e F © iv S ar Pr f o t e F © iv S ar Pr fe Fiv e S ta Pr ofe ssi r o s t e P ive St ar ro fes sio P n a s f St r P ro es io n a s f St r P ro es io al ar r fe sio na o s P ar r fe sio na l o s SPECIAL ADVERTISING SECTION Dawn DuCharme Experience a World of Choice With Jumbo Loans From Union Bank® • Whether you are buying or refinancing, we make our best options available to you • Variety of loan programs • Zero-point options • Portfolio lender Three-year winner Dawn DuCharme One loan … many possibilities. Get personalized service and great rates with a jumbo loan from Union Bank. 7807 Girard Avenue, Suite 200 La Jolla, CA 92037 For more than 30 years, Dawn DuCharme has been making the dream of owning a home a reality for thousands of clients. Specializing in jumbo loans, Dawn’s experience and expertise have helped make her one of Union Bank’s top producers and a Five Star award winner. Direct: 858-551-5357 Toll-free: 866-276-1644 [email protected] unionbank.com/dducharme ©2014 Union Bank, N.A. Loans subject to credit and collateral approval. Financing available for collateral located in CA, OR or WA. Restrictions may apply. Terms and conditions subject to change. ve 2014 Five Star Mortgage Professionals Five Star Mortgage Professionals NMLSR 643189 Lee Ann Stein 7825 Fay Ave., Ste. 200 La Jolla, CA 92037 Office: 619-518-4862 [email protected] NMLS 280807, CalBRE 01245107 • • • • • “Tell clients what they need to hear, not what they want to hear.” — Five Star award winner 17 years of experience Consistent top producer Personal and attentive service Conventional, jumbo, FHA, VA First-time homebuyers or seasoned investors Lee Ann Stein has been a top-producing mortgage professional for more than 17 years. She was recognized as a Five Star Mortgage Professional and was featured in San Diego Magazine in March 2011 and 2012. Lee Ann is very enthusiastic and committed to finding her clients the very best rates while providing them excellent service. She is always thrilled when she can call a client and tell them the loan they thought was impossible to get is approved or if she is able to get them a better rate and lower fees than what was originally quoted! That is probably why 100 percent of her business is from past clients and referrals! FS • 26 — www.fivestarprofessional.com S © Fiv S tar Pr o t e F © iv S ar Pr f o t e F © iv S ar Pr fe Fiv e S ta Pr ofe ssi r o s t e P ive St ar ro fes sio P n a s f St r P ro es io n a s f St r P ro es io al ar r fe sio na o s P ar r fe sio na l o s Five Star Mortgage Professionals Tracy Story “Work with a professional who takes the time to understand your unique situation.” 12275 El Camino Real, Ste. 100 San Diego, CA 92130 Cell: 909-559-0181 Office: 858-345-4702 [email protected] www.mywjb.com/tracy-story NMLS 202304 A sincere thank you to my clients for honoring me with this award! As a mortgage professional, I build lifelong relationships. Integrity, honesty, providing unparalleled ser vice and genuine care are my top priorities. Helping people realize a dream or accomplishment is my passion. — Five Star award winner Greg Brooks Guild Mortgage Amy Liu Profunding Financial Services Inc. 858-945-LOAN (5626) [email protected] www.GregBrooks.net 858-678-8988 [email protected] Mortgage Specialist/Broker NMLS 151145 Craig S. Brown Rancho Financial Mortgage CalBRE 00965666, NMLS 262368 Maureen Martin JMJ Financial 858-451-0620 cbrown@ranchofinancial.com www.ranchofinancial.com A Full-Service Direct Lender 619-857-7191 [email protected] www.sandiegohomelender.com Home of the 21-Day Mortgage NMLS 182529 Austin Bunn Mission Home Mortgage 619-688-0011, Ext. 102 [email protected] www.MissionHomeMortgage.com “Building Equity for Life” NMLS 0247664 Candice Marx RPM Mortgage 858-964-8318 [email protected] FHA/VA/Conventional Loans for More Than 35 Years NMLS 254622 Cheryl Kuck imortgage NMLS 328065 Ashley Ortega CMG Financial, Inc 858-395-3863 (FUND) [email protected] www.imortgage.com/Cheryl.Kuck 20-Plus Years of Experience 619-955-9483 aortega@cmgfi.com aortega.cmgfi.com Experience Extraordinary NMLS 247809 FS • 27 — www.fivestarprofessional.com NMLS 238561 2014 Five Star Mortgage Professionals ve SPECIAL ADVERTISING SECTION S © Fiv S tar Pr o t e F © iv S ar Pr f o t e F © iv S ar Pr fe Fiv e S ta Pr ofe ssi r o s t e P ive St ar ro fes sio P n a s f St r P ro es io n a s f St r P ro es io al ar r fe sio na o s P ar r fe sio na l o s 2014 Five Star Mortgage and Home/Auto Insurance Professionals ve SPECIAL ADVERTISING SECTION Five Star Mortgage Professionals Keenan F. Smith HomeServices Lending, LLC Theresa Tynan Bay Equity Home Loans 858-720-7778 [email protected] www.hslca.com/keenan-smith Available 24/7 760-787-0111 [email protected] theresatynan.com Your Home for Loans NMLS 681621 Nancy L. Stoke Rancho Financial 858-509-9160 [email protected] www.SkylineHomeLoans.com/NancyStoke A Full-Service Direct Lender NMLS 234655 Loren Uber UBERco 619-988-5277 [email protected] www.theUBERco.com VA Specialist NMLS 279189, 12072 CalBRE 01925176, NMLS 6664 Keep up with market conditions, so you are always knowledgeable. — Five Star award winner Five Star Home/Auto Insurance Professionals Five Star Professional surveyed more than 52,000 San Diego homeowners. The final list of 2014 San Diego Five Star Home/Auto Insurance Professionals is a select group, representing less than 1 percent of insurance professionals in the area. Evaluations were collected by mail, phone and online at www.fivestarprofessional.com/homesurvey. All award winners are listed alphabetically by last name. Rochelle Bickel · State Farm Insurance Mark Blumenthal · Blumenthal Insurance Services Annette Crutchfield · Farmers Insurance Group Carla Malone · Marrs Maddocks & Associates Karen Gallagher · SCF Insurance Services Scott Marquart · Robert Bell Insurance Brokers Paul Gates · Gateway Insurance Agency Scott Bourke · Scott Bourke Insurance Agency Joe Giamanco · Farmers Insurance Group Annabel Buso · Liberty Mutual Insurance Ronn Hall · Allstate Insurance Jim Coleman · State Farm Insurance/ Coleman Agency Steven Hovland · Allstate Insurance “Your heart has to be in the right place — you have to genuinely desire to make a difference in your clients’ lives.” — Five Star award winner FS • 28 — www.fivestarprofessional.com Phil Mullane · Allstate Insurance Ross Wood · Double Diamond Insurance