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

I found Matt Gover from an advertisement in a Realty magazine, I called him, he signed me up for e-mail listings of the type of home and location we were looking for within our price range. Due to the crazy lending market, it took us longer to find a home that met our "wish-list". Matt was patient and gave us no pressure for the length of time it took to find a home; he never gave up on us and was calm and mellow throughout the entire process; when we eventually found "the home", he got us in even though the listing was about to expire and there appeared to be no hope because the Sellers had higher than asking price offers, but Matt got us in to see the home and got our offer to the Sellers and our offer ended up being the offer the Sellers accepted. Matt is honest and responsive without that cheesy sales person pressure some realtors convey. He works under Pam and she is a wonderful Christian lady who adds that extra element of warmth that other realtors simply do not have to offer. ---- Deb C, 7/27/2011

Joe Gover had two responsibilities which were very important to me. One to find a house that my wife loved and his second responsibility was to find me a good deal. He was very patient with my wife, by showing her houses she wanted to see. She never felt pressured by him and he was always looking out for our best interests. As first time buyers we were emotional buyers, but Joe made sure we purchased something that made sense financially. Upon the purchase Mr. Gover negotiated the purchase price for me and managed to get me a great deal on my house. Joe is a person that I recommend to be on your side when you decide to start the process of purchasing a house. Joe has continued to help me with any questions or concerns I had after the sale. I highly recommend Mr. Joe Gover ----John H, 1/20/2011

My husband and I met Matt Gover of Team Ratcliffe at an open house and instantly liked his demeanor and over time his work ethic. He became our agent., and for nearly a year worked tirelessly with us to find the perfect home, not easy in todays market of multiple offers and cash buyers. His hard work and dedication to us and our search paid off. We are now enjoying our beautiful home. We can't thank him and Pam Ratcliffe enough for going the extra mile to help us close the deal.

So if you're looking for a truly dedicated and professional Team look no farther then Team Ratcliffe, Thanks a milliom Matt, Pam and Joe! We really miss seeing you guys. ----Laura and Jim B, 5/25/2010