Short Sales

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In our local real estate market, over half the available homes are Chula Vista short sales. Many homeowners find themselves “underwater” or “upside down”, which means the balance of the mortgage is higher than the current market value of the home. People who find themselves in this unfortunate situation often decide to do a short sale.

If you are considering a short sale for your home, it’s important to choose an agent that is experienced in dealing with the banks. As a top producing real estate team in the South Bay area, the Gover Brothers communicate with lenders on a daily basis and understand how to negotiate your short sale. The Gover Brothers have successfully gotten many banks to approve Chula Vista short sales and forgive hundred’s of thousands of dollars in mortgage debt for their clients.

While a short might sale sound like an attractive solution, it’s not the best answer for everyone. Call the Chula Vista short sale experts with the Gover Brothers to determine if a short sale could be an option for you. The Gover Brothers have a proven track record, and even work with an appointed short sale negotiator who focuses exclusively on Chula Vista short sales. In addition to contacting the Gover Brothers, it’s imperative that you consult with a CPA or a tax attorney to discuss the legal ramifications associated with short sales.

Team Ratcliffe - McMillin Realty

Joe Gover is hands down the best realtor in SD! He was always willing to meet us whenever we wanted to view a property no matter how short of a notice. We were first time homebuyers and had plenty of questions for Joe and he would always provide answers to make sure we understood. We met many realtors through our homebuying experience and the process of finding the PERFECT realtor stopped when we met Joe! He REALLY looked out for our best interest and really wanted to make sure we were going to be happy with our new home. He is an excellent communicator making sure you are completely aware of what is going on so that there is no question at all. He was ON IT! Joe went above and beyond our expectations and we would highly recommend him to anybody. Thanks to Joe's hard work we were able to close on a short sell 2 months after we placed our offer on the home. We couldn't thank him enough. ---- Michelle B, 5/13/2012

We would highly recommend Joe Gover and his team to any one who wants an ethical, hard working Realtor.

We started our home buying journey with a referral to a Realtor from our bank with promise of cash back at closing... Long story short, we never even met her because she was always too "busy" for us. Next we went with a high profile Realtor who promised to be aggressive and get us a home. We soon found out that he was playing both sides and being dishonest with us. We never would have been able to get a home in this market with that Realtor. So we got a taste of the nightmare of bad Realtors in this tough foreclosure market. We needed to find a home fast as we were expecting a baby in just 2 months.

We, by chance, met Joe Gover at an open house and we remember being really impressed with his honest, candid view of the market. After we released our other Realtor we decided to call him up and give him a try. We found Joe to be extremely kind to us. Something we didn't expect but were very grateful for. He worked his butt off for us and found us a house. He handled the negotiations with the seller with absolute perfection. We almost lost the property to a cash buyer several times. Joe hung on by his teeth for us and came though in the end.

If you want the best... don't search for anyone else. Just go see Joe and team Ratcliff.

Thank you Joe. We love you ----Lisa and Ryan and Renner Taylor, 3/29/2010

My husband and I are both first time home buyers and we went through 2 other realtors before we found team ratcliffe. We worked with Joe primarily and with Pam during the escrow process. They are extremely professional and friendly, they are easy to get ahold of and willing to answer any questions you have. They also have a reference to just about anything and everything you could need a reference for. We hit about a million bumps in the road, and ones that our past realtors couldn't get us over, and we still made it out on top. They are very willing to fight for you when they need to and they make you feel like you matter as a person and not just as a paycheck. I would recommend team ratcliffe to everyone and I plan to go back to them when we sell our house! ----Krisitin S, 7/5/2010