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 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

During the home buying process, it is easy (especially during these times) to get overwhelmed and frustrated. After so so many offers, a bid of mine was finally accepted. If it weren't for Team Ratcliffe and especially Matt Gover, I would be renting at this very moment. It was their persistance that kept me in a positive attitude to continue the long process of home ownership. I am satisfied to the utmost degree with their work ethic, perstistance, knowledge, and competency! They are a great team and I trust them to handle any of my future endeavors in the Real Estate market. I would reccomend Team Ratcliffe for anyone out there who is considering buying or selling a home. Thank you Team Ratcliffe for all your hard work!!! ----Chris I

I wanted to take a momment to give credit where credit is due. I met Matt Gover from Team Radcliff when I was out looking for a property in Eastlake. I met Matt at an open house and asked him for assistance in location a house with all amenties we required.

Matt was exceptional in finding multiple propertyies that we were able to veiw. My wife and I were impressed of the ongoing commitment and number of locations he brought us to for viewing.

The house we went into contract on, was a property that had just fallen out of escrow. Matt was on the spot and we made an immediate offer, this avoided the multiple offer bidding process.

We closed on the house and this one would have been missed if it wasn't for Matt "the bird dog" Gover!

Thanks Matt ----Bob and Gladys, 3/29/2010