Tonya Brown is a seasoned real estate and mortgage broker with more than 25 years of experience and over 1,000 homes sold throughout Oceanside, North County San Diego, and California’s Inland Empire. Licensed in California, Georgia, and Texas, she has originated more than 5,000 mortgage loans, giving her clients a rare dual perspective that simplifies financing, negotiations, and closing. Tonya leads The Blisss Life Agency, a full-service real estate and mortgage brokerage built on education, integrity, and lifestyle-driven service.

Specializing in VA buyers, luxury listings, relocations, first-time buyers, downsizing, investment properties, and refinances, Tonya provides clear guidance backed by decades of hands-on experience. As a Military Relocation Specialist (MRS), she founded the Valor Home Advantage™ Program, offering exclusive rebates and benefits for military families, teachers, first responders, and healthcare professionals. Her focus on Down Payment Assistance (DPA) and veteran homeownership initiatives underscores her commitment to accessible, equity-building real estate opportunities.

Known as “the best-kept secret in real estate,” Tonya is now expanding her visibility so more clients can experience her trusted, data-driven approach. The Blisss Life Agency continues to set a high standard in North County San Diego and the Inland Empire—where every client receives expert guidance, transparent financing options, and a personalized path to homeownership.

CA Dre 02065163 | GA 349727 | TX 804154 | NMLS 1546611