Month: March 2014

Tax Refunds

Turn your income tax into a down payment on your new home! Spring is a great time to buy. Interest rates are still low and prices are perfect. I would love to show you how I can help make your dream come true. If you’re thinking of or are ready to buy a home, call or email me! 619-250-4541 or Stephen@StephenNissou.com! 

Tax Refund

 

 

Your Local San Diego Real Estate Expert,

aa074-untitled

Advertisements

Truly An Investors Dream Come True

Are you looking for a home AND an investment? This gorgeous, completely re-modeled home in Normal Heights is the one for you! At just $599,000 you get a beautiful 2 bed, 1 bath home. In addition, this home contains a large lot to build more units. What’s even better is that the original owner had plans made up for building out the lot for maximum income! AND it’s ready to build!

Invest in this property and you won’t be disappointed. For more information, click on the link below, or give me a call at 619.250.4541 and to schedule a viewing. You don’t want to miss this one! Get it before it’s gone!

http://www.nissourealtygroup.com/listing/mlsid/219/propertyid/140013091/

Information Flyer - 38th Street

Your Local San Diego Real Estate Expert,

aa074-untitled

#KellerWilliams #KW #KWRealty #SanDiego #SanDiegoRealtor #SanDiegoRealEstate #SD #SDRealtor #SDRealEstate #NissouRealtyGroup #NRG #StephenNissou #ElCajonRealEstate #SpringValleyRealEstate #NormalHeights #Lot #Land #Acreage #JustListed #HomeForSale #HouseForSale #BuyaHome #BuyingAHome #Selling #SellingAHome #Buyer #Seller #RecentlyListed #JustReduced #Mortgage #IncomeTax #Lending #Lender #OpenHouse #Nissou #HomesForSaleSanDiego #HouseForSaleSanDiego #ReModeled #Build #MLS #IDX

Featured Listing – Spring Valley 91978

Located on Dictionary Hill, the views from this property are spectacular.  The property has been divided into four separate living areas perfect for extended families or roommates living under one roof.  The main kitchen boasts granite counter tops and beautiful cabinets.  Entertain on the third story deck or relax on one of the shaded patios.  This wonderful house is ready to be your home and all while being located near the top of Dictionary Hill.
Learn more about this property and see more photos by visiting our site. Simply copy and paste the link below into your address bar:

http://www.nissourealtygroup.com/listing/mlsid/219/propertyid/140006312

1650 La Presa Ave
To speak with us directly about this home or schedule a showing, call 619-250-4541

Listing Courtesy of Keller Williams Realty

Your Local San Diego Real Estate Expert,

aa074-untitled

SHORT SALE in El Cajon/ Mollison Avenue

SHORT SALE in El Cajon off Mollison. Recently listed upgraded home in gated community- Granite counters, stainless steel appliances. 2 bed, 2.5 bath, 1125 sq.ft.

Please visit the following link to view all photos and detailed information about this listing. Please call me at 619.250.4541 to schedule a viewing!

http://www.nissourealtygroup.com/listing/mlsid/219/propertyid/140014288/

140014288_101_81 140014288_201_81 140014288_301_81 140014288_401_81 140014288_501_81 140014288_601_81 140014288_701_81  140014288_901_81

Your Local San Diego Real Estate Expert,

aa074-untitled

 

#shortsale#foreclosure #kellerwilliams #kwrealty#kellerwilliamsrealty #nissourealtygroup #nrg#stephennissou #nissou #justlisted #newlisting#remodeled #elcajon

Take a SIP of San Diego

Typically when thinking of San Diego, you imagine America’s Finest City, offering the best beaches, nightlife, and sights. But did you know that San Diego has it’s own community of wineries, making some of the best hand-crafted wines? If you’re a wine lover, discover some of the best San Diego has to offer! Check out the top 5 wineries here in San Diego:

San Pasqual Winery

Located in the heart of La Mesa’s downtown district, the San Pasqual Winder recently opened it’s second location in La Mesa off Center Street in the summer of 2013. They offer wine tastings at only $7.50 for 5 tastes, and $5 off with a purchase of a bottle. They have a Tasting Room that is open throughout the week in La Mesa Village at 8364 La Mesa Blvd. Their new location, located at 8140 Center Street in La Mesa offers Winery Sales and Tastings on Saturdays and Sundays from 12-4pm.
San Pasqual Winery offers some of the best wine in San Diego, with a wide variety of white and red wines. They also offer Specialty Passion Fruit Wines and Dessert Wines on the market. Check out their website at www.SanPasqualWinery.com for more information, hours, and locations.

Bernardo Winery

Located in Rancho Bernardo lies one of the best-kept secrets of the county. Over the last 120 years, the Bernardo Winery is family owned and operated with over 12 shops, a salon, award-winning café, and a tasting room. Enjoy a wide variety of Chardonnay, Sauvignon Blanc, White Riesling, Syrah, Merlot, and Sherry. Visit www.BernardoWinery.com for more information.

Shadow Mountain Vineyards

Shadow Mountain Vineyards is a third-generation family estate wine making business, founded in 1944. They specialize in premium white and red table wines grown from grapes fresh out of the estate. The winery offers a tented picnic area, tours, tasting cellars, and gift shops. The vineyards overlooks the beautiful Hot Spring Mountains and offers beautiful scenic views. There are also cottages on the vineyard estate, which includes a beautiful cottage along with a bottle of Shadow Mountain Vineyard Wine and Continental breakfast. For more information, including wedding information, event planning, the address, and hours, visit www.ShadowMountainVineyards.com.

Fallbrook Winery

Fallbrook Winery, incorporated in 1981, offers award-winning wines and has the ideal microclimate weather when it comes to wine making. They focus on creating wines from a number of varieties that are able to grow well in the local climate. All red grapes are handpicked and fermented in the 175-gallon fermenters, allowing optimal fermentation conditions. They produce Cabernet Sauvignon, Chardonnay, Merlot, Syrah, and Blends. The Winery offers tours and tastings, by appointment only.  Visit www.FallbrookWinery.comfor more information on booking tours, and hours.

Salerno Winery

Located at 17948 Highway 67 in Ramona, Salerno Winery is the premier destination for tasting tours. Family owned and operated the rich soils of the hills and perfect micro-climate weather allows rich soil for premium grapes to be grown. They offer Cabernet Sauvignon, Merlot, and Petite Sirah. Visit www.SalernoWinery.com for more information on booking a tasting, and hours.

What is Escrow?

Once your offer on a homme has been accepted by the seller, your transaction is then placed into Escrow.

Escrow describes the third-party handling of funds, documents, and tasks that are specific to closing. The sole purpose of Escrow is to manage the disbursement of funds and documents.

The buyer and/or seller that is involved in a transaction selects the Escrow provider. You can defer to your Real Estate agent to make this decision if you aren’t sure. The provider can be an escrow company, title officer, attorney, and can depend on the geographical location of the transaction.

The Escrow provider chosen arranges and tracks requirements and contingencies within the purchase contract, including home inspections, financial requirements, homeowners insurance, and any repairs that are negotiated during the sale.

Once all transaction documents are met, the Escrow company will disburse funds to the seller and all other parties in accordance with the purchase agreement. The cost of Escrow services are covered by the buy or seller. Once all tasks within the sales purchase agreement are completed, the transaction is complete and the Escrow closes.

Your Local San Diego Real Estate Expert,

aa074-untitled

Featured Listing in Lemon Grove

8255 Alton Drive, Lemon Grove, CA 91945
FEATURED LISTING: Beautiful 3 bedroom, 2 bath, 1500 Sq Ft Lemon Grove home with gorgeous views from the back yard! 0.61 usable acres with 2 car detached garage. Originally built as a 2 br/1bath, 974 sqqt ft but large enclosed patio being used as master bedroom with full bath makes this a perfect 3 bedroom, 2 bath home. Move-in ready! Check it out and please call me for more information or to schedule a viewing!

 

 Alton Drive Featured

#featuredlisting #justlisted #newonthemarket #realestate #realtor #sandiego #sandiegorealtor #sandiegorealestate #sdrealtor #sdrealestate #sandiegorealestateagent #lemongrove #sandiegolemongrove #listing #buying #selling #buyer #seller #buyahome #sellahome #stephennissou #nissourealtygroup #NRG #nissourealty #nissou #lot #land #usableacre #propertyforsale #forsalesandiego #forsale

Your Local Real Estate Expert in San Diego,

 aa074-untitled

Two New Businesses Open In Rancho San Diego This Week!

We couldn’t be happier to hear that not one, but TWO new businesses opened up in Rancho San Diego this week!

Ali Baba Restaurant & Lounge:

Right off the corner of Chase and Jamacha Road in Rancho San DIego, Ali Babas has opened their third location in San Diego! We couldn’t be more excited for this. Offering some of the best Mediterranean food at the best price, enjoy the new location with a lounge. The family-owned restaurant offers a unique dining experience, usuing only Hala food, while specializing in a real Mediterranean atmosphere of the anceient Kings of Arabia. What could be better than food? The owners have opened a hookah lounge just next door for guests.

Check out their full menu, including a vegetarian menus. Their other locations in San Diego are in El Cajon off Avocado Avenue and Escondido. Go to http://www.AliBaba421el.com

Nicky Rottens:

After the closing of Savannah Grille in Rancho San Diego, community members have eagerly (and we mean they’ve stalked the Nicky Rottens Facebook page for months) awaited the arrival of Sports Bar and Burger Joint, Nicky Rottens.

On the corner of Jamacha Road and Willow Glen, the new Nicky Rottens Bar and Burger Joint is famous for their burgers, spirits, and most importantly, their sports and entertainment. Opening the third location in Sa Diego, the bar and burger joint offers multiple flat screen TV’s surrounding their restaurant, perfect for sports lovers everywhere. Clad in black, leather, and oak, this is the ultimate bar destination for your favorite sporting event. The mood is set with music from the 80’s, 90’s, and today’s hits. The restuarant is family owneed, so that means you will receive the best product at the best price, while offering the best service possible.

The burger joint has two other locations- San Diego’s Gaslamp quarter, and Coronado, located off Orange Avenue. This location is seperately owned from the other two. If you’re up to it, try the Nicky Rottens Ultimate Burger Challence. VIsit their website for menu options, address, and hours. http://www.NickyRottens.com.

The Restaurant is scheduled to open to the public this Monday, March 17th, 2014.

Your Local Real Estate Expert in San Diego,

 

Top 8 Things To Ask Your Lender During The Application Process

 Mortgage Lender Application ProcessThe Loan process can be somewhat daunting if you don’t know what to look for, or who to ask questions to. Here are the top 8 things I tell all my clients when they are ready to go through the application process for their loans.

1)      What documents will I need in order to receive full mortgage approval?
Residence history, marital status, credit obligations, down payment, income, and employment verification are the most important information you will need for a full approval.
2)      How long will the entire process take?
Communication during the process is essential. As long as you ask all questions ahead of time, and get all of your documents together during the process, then the process should be fast and easy. Your loan officer should be able to give you a total amount of time for how long it will take to close on your mortgage.
3)      Are my taxes and insurance included in the payment?
If you include taxes and insurance into your payment then you will have a higher monthly payment to the lender, but you also won’t have to worry about coming up with large sums of money to pay the taxes when they are due.
4)      Will my payment increase after closing?
Try to choose fixed interest rate loans. This will allow you to never have your loan payment increase over the life of the loan. If your taxes and insurance are included in your payment, then your total payment will change over time due to the changes in your homeowner insurance and property taxes.
5)      How do I lock in my interest rate?
Most loan officers pay close attention to market conditions, as rates move several times a day. It’s good to know the terms and what the process is for locking in your interest rate.
6)      How long will my rate be locked in?
Typically, rates are priced with a 30 day lock. You can choose to hold off temporarily if you are purchasing a short sale or foreclosure listing. The shorter the lock period is, the lower the interest rate. The longer the lock period, the higher the interest rate.
7)      How does my credit score affect my interest rate?
If you have any recent changes to your credit score, be sure to get specific answers. There are many key factors that can influence fluctuation in your credit score. Fill your loan officer in on anything you can think of that might be tied to your credit.
8)      How much do I need for closing?
Ask your loan officer to estimate how much you need to budget so that you are prepared ahead of closing. Your deposit, appraisal fees, and seller contributions can factor into this final number as well.
The better you understand the entire loan process, the better your entire experience will be. Remember: You can never ask too many questions.
Your Local Expert,

image001

JUST LISTED: An Investors Dream Come True

JUST LISTED! Investors dream! Large lot you can build more units zoned 3. There is pride of ownership in this home and in 2013 owners decided to do a full remodel and rebuild most of the home. All new drywall, plumbing, roofing, kitchen, bathroom, tile flooring, windows/doors, built a new laundry room, and redesigned floor plan. Great covered private patio and alley access for future units. Owner already had plans for building out lot for maximum income see pictures.

Contact me today to learn more information about this property and to schedule a viewing! 619-250-4541

http://www.nissourealtygroup.com/listing/mlsid/219/propertyid/140013091/

140013091_101_81 140013091_301_81 140013091_501_81 140013091_601_81 140013091_701_81 140013091_801_81

 

Listing Courtesy of: Keller Williams Realty

Your Local Real Estate Expert,

image001