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Although not a true “San Diego Native”, Denise E Matthis has been a resident of San Diego since the age of 2. Denise is the Owner/Broker of DEM Financial Services & Real Estate, a boutique brokerage dedicated to promoting community pride thru home ownership and building & preserving generational wealth with real estate. As a buyer’s representative she’s passionate and works with first time home buyers and veterans educating them on the home buying process. As a seller’s representative she specializes in seniors, probate and distressed property sales.

As a real estate professional Denise has earned the designation of SRES (Seniors Real Estate Specialist),  CRS (Certified Residential Specialist), a designation awarded to less than 5% of Real Estate Professionals in the United States, ABR (Accredited Buyers Representative), MRP (Military Relocation Specialist),  CMPS (Certified Mortgage Planning Specialist), SFR (Short Sale & Foreclosure Resource), Certified HAFA Consultant, CNE (Certified Negotiation Expert), CDPE (Certified Distressed Property Expert), and has earned Certified Probate and Trust Specialist, Certified Investment Planning Specialist, Certified REO and Short Sale Designations from NAR (National Association of REALTOR®), Five Star Institute, LIONGATE Financial Network, and VRM University.


For over twelve years Denise has earned recognition as a 5 Star Agent, an honor given to less than 7% of agents in one market. She also has been recognized by her local Association of REALTORS® for her educational accomplishments/real estate designations and is a silver award winner for her production.

Denise is active in her local REALTOR® Association Board, serving on the Board of Directors, Government Affairs, Housing Opportunity Committees. She was awarded Volunteer REALTOR® of the Year for 2009 by SDAR (San Diego Association of REALTOR®) and received the “Distinguished Woman of Color” Award from the NAACP in 2017. Denise is the Past President of the San Diego Network of Women’s Council of REALTORS® and served as the President of the National Association of Real Estate Brokers, San Diego Chapter from 2014 thru 2017. She is currently Immediate Past President of CAREB (California Association of Real Estate Brokers) after serving as their President from 2020-2022, 2nd Vice President 2018-2020 and Regional Vice President 2017-2018.

Denise is single by choice. She is exceptional proud of her two nephews, two nieces, two God daughters and the numerous children that have “adopted” her and considers her a “surrogate” mother. In her spare time Denise loves to read, travel and shop, and isn’t ashamed to admit she does not cook (not that she can’t cook but chooses not to cook) and enjoys Liturgical Dancing.