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

I just closed escrow and cannot say how glad I am that I found Joe Gover and Pam Ratcliffe of Team Ratcliffe to help me find my new home. If you've ever been through the experience of buying, or know anyone who has, you know how time consuming and nerve wracking it can be, but from the beginning, Joe and Pam both made it so easy. We primarily worked with Joe, who worked day and night to help us find the right home. If for some (rare) reason he wasn't available to show us a property, Pam would jump right on it and make it happen. They worked together so well and were both so flexible with our schedules, that we never missed any opportunities to see any listings. At one point, Pam was even in her office with us at 10pm writing up an offer! The really great thing about these guys is that you really get the feeling that they love their jobs and the people they work withit's not about the bottom dollar for themit's truly about building a good relationship with you as a person. If I could give them a higher rating than 5 stars I wouldThese guys are absolutely off the scale!! ----Summer P, 9/29/2010

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