Your Realtor and Mortgage Broker in Oceanside and the Inland Empire
At The Blisss Life Agency, we make homeownership simple, transparent, and empowering.
Led by Tonya Brown, a licensed Realtor and Mortgage Broker with over 25 years of experience, our team helps clients buy, sell, and finance homes across Oceanside, North County San Diego, and the Inland Empire — including Riverside and San Bernardino Counties.
When your Realtor is also your lender, you gain one trusted partner who manages every detail — from pre-approval to closing — saving you time, stress, and money.
Real Estate Expertise You Can Trust
Whether you’re buying your first home, relocating, or selling your property, Tonya provides expert guidance backed by market knowledge and personal care.
Real Estate Services Include:
- Home Buying and Selling
- VA, FHA, and Conventional Transactions
- First-Time Buyer Programs
- Relocation and Military PCS Transfers
- 55+ and Lifestyle Moves
- Pricing Strategy and Market Evaluation
Our real estate approach focuses on education, communication, and smart negotiation to help you make confident decisions at every step.
Mortgage Expertise That Simplifies Financing
Your financing strategy should support your goals — not complicate them.
With access to 40+ wholesale lenders and flexible programs, Tonya helps you secure the best mortgage for your needs and timeline.
Mortgage Services Include:
- Fast Pre-Approvals and Refinancing
- Down-Payment Assistance Programs
- VA, FHA, USDA, and Conventional Loans
- Jumbo and Non-QM Mortgage Options
- Self-Employed Borrower Solutions
- Credit Boost and Readiness Planning
We streamline the process to ensure your home and loan work together for your success.
The Blisss Life Advantage
Working with Tonya means you don’t have to juggle multiple professionals or repeat the same information to different offices.
You get one licensed expert managing both your home search and your loan approval — all under one agency.
Benefits Include:
- Faster closings and clearer communication
- Fewer delays between lender and agent
- Coordinated strategies that protect your interests
- Consistent updates from one point of contact
Our goal is to make real estate and lending as easy, empowering, and transparent as possible.
Serving Oceanside, North County, and the Inland Empire
With local roots and deep market experience, we serve homebuyers and homeowners throughout:
North County San Diego: Oceanside, Carlsbad, Vista, San Marcos, Fallbrook, Encinitas, Escondido
Inland Empire: Temecula, Murrieta, Menifee, Corona, Eastvale, Rancho Cucamonga, Fontana, Ontario, Rialto, Lake Elsinore
From the coast to the Inland valleys, Tonya Brown provides personalized real estate and mortgage guidance designed to help you move forward with confidence.
Start Your Journey
Experience how easy it can be to buy, sell, finance or refinance with one trusted professional guiding you every step of the way.
📞 Ready to start your journey? Schedule Your One-on-One Consultation Today!
💻Get Preapproved For A Home Loan Today!