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

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

I had the pleasure of working with Matt Gover when purchasing my condo. This required an in depth knowledge of market values and the complex process of funding. Matt took the time to focus on the right questions which helped my wife and I establish what we were looking for. We are very detailed, and at the time there wasn't much inventory on the market that met our criteria.

However when the property that we bought first went to market,Matt was "Johnny on the Spot". He contacted us immediately and got us inside the condo that very same day.

This was critical as it was a bank owned property and the seller received several subsequent offers from other potential buyers. Matt was able to get our offer accepted in the face of competition, and still managed to negotiate a great price.

Once in escrow, we met his brother Joe and Pam Ratcliffe.I can emphasize that we were in good hands the entire time and there was always someone accessible to answer our questions.I highly recommend Matt Gover and Team Ratcliffe and definitely plan to use them again! ---- Rob H, 12/7/2011