Month: May 2014

Just Listed in the Heart of Rancho San Diego!

11650 Avenida Anacapa, El Cajon, CA 92019

MLS # 140028315

4 bed   •   3 bath   •   1796 sq.ft


JUST LISTED in the heart of Rancho San Diego! This beautiful remodeled 4 bedroom, 2.5 bath home is priced to sell and won’t last long! With a spacious, open floor plan and vaulted ceilings, this home has new laminate wood floors, dual-paned windows, crown molding throughout, and window casing. The large backyard is great for entertaining and is neatly landscaped, including a covered patio! Priced at an impressive $480,000, make this your new home! For more information or to schedule a viewing of this property, please contact STEPHEN NISSOU today at 619-250-4541 or via e-mail at!























Your Local San Diego Real Estate Expert,

Panoramic Views in Gated Rancho Jamul Estates

0000 Ufano Drive, Jamul, CA 91935

MLS 140000273

$299,000   •   2.5 Acres

Ready to build that dream home you’ve always wanted? Check out this beautiful Jamul lot- complete with panoramic views with the gated community of Rancho Jamul Estates. Water and electricity are on property, topograpbic map available with proposied building site to show you how to get full advantage of views & natural impressive boulders. Listed at an impressive $299,000 and 2.5 acres.
 For more information about this listing or to schedule a viewing please contact STEPHEN NISSOU today! 
Office: (619) 873-2773
Cell: (619)250-4541 
Your Local San Diego Real Estate Expert,


The Foreclosure Process


A Foreclosure is defined as “the process of taking possession of a mortgaged property as a result of the mortgagor’s failure to keep up mortgage payments.” To simplify, it’s the act of a home being taken away from you due to your failure of paying the mortgage payments.

When someone buys a home, they sign a mortgage or deed of trust. This document puts a lien on the property, making the loan a secured loan. When the lender loans you money without any type of collateral (credit card debt, etc.) they can take you to court for failure of payment.

What types of foreclosures are there?

There are two different types of foreclosures in the US – Judicial or Non-judicial. In a Judicial Foreclosure, the lender will seek to foreclosure by filing a civil lawsuit against the borrower. It is handled through the local court system, where the court appoints a referee to conduct the foreclosure auction on the courthouse steps. The lender will record a lis pendens with the country clerk, which becomes a lien on the property and gives notice to the pending foreclosure auction. The court will grant judgment permitting the lender to conduct the foreclosure auction. This process takes up to 4-8 months to complete.

The second type of foreclosure is a non-judicial foreclosure. It is followed by the deed of trust states. A deed of trust is an interest in real property to a third- party to hold as security for repayment of a debt. The trustee has the authority to initiate foreclosure proceedings by virtue of power of sales. The trustee will record a notice of default with the county clerk and gives notice of the impending foreclosure. It also grants the borrower a period of time in which to object the lenders claim o pay what he owes. The borrower may not stop the foreclosure after the expiration of this time period.  After the expiration of this time period, the trustee will record a Notice of Trustee’s Sale with the county clerk, which will establish the date, time, and place of the foreclosure auction. It can take up to 12 months to complete the foreclosure, depending on the state.

What is the Foreclosure process?

There are five stages of the foreclosure process.

Stage 1: Missed Payments – Foreclosure starts when a borrower fails to make timey mortgage payments. This can be due to financial hardships, such as unemployment, divorce, death, or medical related issues. Other times, borrowers decide to stop paying because the property mortgage exceeds the value of the home, or they are tired of managing the property.

Stage 2: Public Notice – After about 3-6 months of missed payments, the lender makes a public notice with the County Recorder’s Office, which indicates that the borrower has defaulted on their mortgage. This is also known as a Notice of Default. This official notice allows the borrower to be aware that they are in danger of losing all legal rights to their property and they may be evicted from the premises.

Stage 3: Pre-Foreclosure – After you receive Notice of Default the borrower will enter the “pre-foreclosure” phase, which takes anywhere from 30-120 days. The borrower can try to work out an arrangement with the lender via a short sale or pay the outstanding amount owed on the property. If the borrower decides to pay off the default during this phase, foreclosure ends and the borrower avoids home eviction and sail. If it is not paid, the foreclosure continues.

Stage 4: Auction – If the default is not remedied, the lender sets a date for the home to be sold at a foreclosure auction. It is recorded with the County Recorder’s Office that is posted on the property. Auctions are sometimes held at the courthouse, or the property itself. In some states, the borrower has the right of redemption, where he can come up with the outstanding cash and stop the foreclosure process up the moment the home will be auctioned off. At the auction, the home is sold to the highest cash bidder. Many lenders make agreements with the borrower (called the “deed in lieu of foreclosure) to take the property back because of the limited amount of buyers who can pay cash only for the property. Sometimes, the bank will buy the property back at the auction.

Stage 5: Post-Foreclosure – If a third party does not purchase the property at the foreclosure auction, the lender will take ownership of the property and it becomes known as a bank-owned property or REO, Real Estate Owned. Bank-owned properties are then listed with a local real estate agent for sale on the market, or some lenders prefer to sell their properties at a liquidation auction.

What are your rights as a tenant during a foreclosure?

If there are tenants in the house that was foreclosed on, the new owner has to honor the existing lease. When the tenants have a month-to-month lease the new owner can evict the tenants or former owner/landlord. You can offer the existing tenants a new lease or rental agreement, or begin the eviction process.


Your Local San Diego Real Estate Expert,


Spacious El Cajon Home Just Listed For Sale

782 Laurelwood, El Cajon, CA 92021

MLS #140026887

$349,900   |   3 BED   |   2 BATH   | 1404 Sq.Ft

Beautiful El Cajon home just listed on the market! This one won’t last long. With original hardwood floors throughout the home and upgrades of the kitchen and master bathroom, this home offers dual-paned windows and ceiling fans throughout – no popcorn ceilings! This home is on a corner lot at the end of the cul-de-sac, close to schools and easy freeway access. In ground pool with fully fenced backyard and spacious backyard. Perfect starter home!
For more information about this home and to schedule a viewing of this property, please contact STEPHEN NISSOU
Office: (619) 873-2772
Cell: (619) 250-4541
Follow the link below for all the informaiton about this home:
140026887 MLS

For Sale – 5 Bed 4 Bath Jamul Home


MLS # 140024947

$750,000   |   5 Bed   |   4 Bath   |   3372 Sq.Ft


Beautiful custom-built 3372 sq.ft home in gorgeous Jamul! Just listed at $750,000, this home features 4 bedrooms and 3 1/2 baths plus den/home office that can be used as a 5th bedroom. Spacious living room, formal dining room, family room, loft, sun room, morning room, finished laundry room with lots of storage.

Property sits on 5.41 acres, with approx. 2.5 acres enclosed by a fence. Entry to property via electric gate. Water is supplied by two wells (one shallow and seasonal, the other deep and very reliable). Home includes gorgeous pool and spa, a green house approx. 240 sq.ft, 880 sq.ft three-car garage, and 1,200 Sq.Ft Shop or RV Garage!


This is a must see and won’t last long! Priced to sell! 

Please contact STEPHEN NISSOU today for more information on this property, or to schedule a private viewing. 

Office: 619-873-2772

Cell: 619-250-4541



See view this property on the MLS –





Packing Your Home 101

Ready to move? Dreading to pack up your home? Here’s all you need to know on how to pack your home quickly and efficiently!

  1. Always pack items carefully by wrapping them with newspaper and bubble wrap.
  2. Don’t mix items from different rooms in the same box.
  3. Pack items first that are the used infrequently. Leave the items you use everyday to be packed last.
  4. Don’t pack delicate china in the same box as frying pans. Put them in their own box.
  5. Pack similar items together.
  6. Keep all parts or pairs of things together. Mirror bolts, curtain rod hangers, mirrors, etc.
  7. Wind electrical cords, fastening them so that they don’t tangle or dangle.
  8. Wrap items individually in clean paper- tissue paper, or paper towels. Use a double layer or newspaper for good outer wrapping.
  9. Build up in layers, with heavy items on the bottom. Medium weight in the middle, then light weight items on top.
  10. Pack small and fragile items separately in small boxes, and cushion them with crushed or shredded paper.
  11.  Seal boxes tightly with tape when finished with them. Be sure to label each box for the room it belongs to and what the items in the box are. This makes unpacking easier and quicker.
  12. When packing books, pack them either flat or with the spine touching the bottom of the box. Do not pack with the spine facing up. Use small boxes when packing books because they are generally heavy.
  13. Family photos and videos should be packed in separate boxes rather than being combined with other household items.
  14. Clothing left on hangers and placed in wardrobe boxes only allows them to arrive at their new destination wrinle free. If clothing is being taken off the hangers, fold them neatly and placed in a suitcase or box filled with clean paper.
  15. Bedding and linen should be placed in large plastic bags. Pillows should be placed in a separate bag.
  16. Leave rugs on the floor for moving companies to handle. If they’ve just been returned from the cleaners, leave them rolled up.
  17. Pre-move prep is required for any major appliances. Clean them thoroughly and set an appointment with a servite technician to help prepare you to move major appliances for shipment.
  18. Small appliances like clocks can be packed with lamp bases. Lamp shades should be wrapped individually in large trash bags and tied.
  19. Tools such as garden tools, brooms, and mops should be bundled together securely. Be sure to drain gasoline in the lawn mower the day before moving.
  20. Perishable food, such as powdered food, rice, macaroni, and cereals should be sealed with tape and placed in small boxes.


Your Local San Diego Real Estate Expert,



Mito Walk & Roll 5K Marathan

Join Stephen Nissou and the Nissou Realty Group team this Saturday, May 17th, 2014 at 11am at Point Loma’s Liberty Station for the Mito Walk & Roll 5K Marathan, where we will walk, run, and roll for the children that can’t. 

TIME: 11:00AM
END DATE: MAY 17TH, 2014
Mito Walk and Roll 5K Marathan
The UCSD Mito Research Fund is a non-profit organization that was founded by the Whaley Family. The Fund was made to help raise awareness, as well as research costs to help find a cure for Mitochondrial Disease. Research efforts go directly to the Mitochondrial and Metabolic Disease Center at the University of California, San Diego. 

Mitochondrial disease is a chronic, genetic disorder that occurs when the mitochondria of the cell fail to produce energy for the cell or for organ function. When it fails, less energy is produced and generated within the cell. Whole systems begin to fail and life is severly compromised. 

Children with the disease are treated at both UCSD Medical Center aand Rady Children’s Hospital. The joint mission is to create a comprehensive center for research, diagnosis, and treatment and young adults with the disease. 

For more information about Mitochondrial Disease, and the efforts being made to help rid the disease from young children, please visit

To sign up for the Mito Walk & Roll 5K, please visit:

Let’s help find a cure!


9621 El Granito Avenue, La Mesa, CA 91941

MLS # 140019737

$749,000 – $829,000

3 BED, 3 BATH, 2700 Sq.Ft

WOW! This breathtaking and secluded Mt.Helix residence boasts sweeping mountains, valleys, and evening lights in every room! This home is nearly 2700 sq.ft and offers 3 bedrooms, 3 bathrooms, and TWO Living rooms! Enjoy a gourmet kitchen with SS Appliances, breakfast area, built-in buffett, and plenty of cabinet space. Dramatic wood beam ceilings throughout, oversized windows, 2 fireplaces, and custom wood and tile flooring throughout the home. And if that’s not enough, enjoy a large private driveway, sparkling pool, several decks patios, and a garden area with outdoor entertaining.
For complete details, contact STEPHEN NISSOU at 619.250.4541 or or copy & paste the following link:

140019737_101_81 140019737_201_81 140019737_301_81 140019737_401_81 140019737_501_81 140019737_601_81 140019737_701_81 140019737_801_81 140019737_901_81 140019737_A01_81 140019737_B01_81 140019737_C01_81 140019737_D01_81 140019737_E01_81 140019737_F01_81 140019737_G01_81 140019737_H01_81 140019737_I01_81

THANK YOU from Nissou Realty Group!

I would like to extend a giant THANK YOU to all my clients, family, and friends who came out to my Red Carpet Event and Charity Raffle to benefit the UCSD Mito Research Fund and Seminary of Mar Abba The Great at The Palms Banquet Hall! It was definitely a night to remember and I sincerely appreciate you coming! Together we were able to raise money for these wonderful charities. As promised, for the remainder of 2014, I will donate 10% of my commission for every house I sell to both charities. Thank you again to all our sponsors, caterers for the delicious food, and donators of the raffle prizes! Also a thank you to my team for all your hard work and planning!

Your Local San Diego Real Estate Expert,


Listing on Van Horn Road in El Cajon

706 Van Horn Rd. El Cajon, CA 92019
MLS # 140023652
4 bed, 3 bath, 2935 Sq Ft.  — $679,900 to $729,900
If you’re like us, your favorite room in a home is the kitchen. Take advantage of this gorgeous home, complete with custom concrete counters, and the center island made out of poplar wood that’s one of a kind! Fully upgraded in 2006, this home has surround sound in the garage, decks, living room, and master bath. It’s like a party in every room! Complete with spacious hickery hardwood floors throughout. And if you’re in need of a lot of “shoe room” then you’ve got to check out this built-in shoe rack that accommodates more than 50 pairs! Enjoy a jacuzzi tub in the master bathroom and afterwards, cozy up on the outdoor deck to watch the 4th of July fireworks from Kennedy Park! 
For more information and to schedule a private viewing of this property, please contact Stephen Nissou today at 619-250-4541 or
You can also view the following link: 
From Supplement: My currently family did a lot of upgrades in 2006/2007 with permits. I have built in surround sound in the single car garage, two of the decks, living room and the master bath. My plumbing and electrical has been updated. A new roof in 2006. I have a smart system throughout the home… My spacious open feel with my beautiful hickey hardwood floors throughout. I have custom concrete counters in the kitchen. My center island is beautiful. My center island is made out of poplar wood with beautiful wood grains. Truly one of kind. Two out of the 3 baths has concrete counters. I have 3 decks and 3 car garage. For the shoe lover in the family i have built-in shoe rack in the master bedroom closet which can accommodate approx 50 pairs of shoes. My master also has builted in cabinets in the closet. My master suite is very spacious. I have a jacuzzi tub in the master bathroom and surround sound to relax and soak away the stress of the day. My shower is separate from the tub. For the cook in the family i have double ovens with convection on top, warming bin, thermadar 6 burn stove, and secrete cabinet to hide your mixer with power and lift shelve. I have a walk – in pantry and spacious laundry room. My laundry has an additional sink as so does the garage. I have beautiful built-in cabinet and book shelve in the dining area. You can enjoy dinner by the fireplace. I almost forgot to tell you about the outside of me. I have 3 story tree house, fruit trees, a huge area for either riding motorcycles, bikes or horses. I am zoned for horses. I sit on a private road with no shared maintenance agreement. I had a new septic system with leach lines put in 2006 with permits. I am completely fenced with double gates. I have separate entrances for the bottom part of the property. And the really cool thing is you can see most the 4th of july fireworks at kennedy park from my back deck.