Joe Czapkowicz (Kovich)

Service Areas

About Joe Czapkowicz (Kovich)

Joe was born and grew up in the Chicagoland area and moved to Southern CA in 1992 after finishing his degree at Indiana University. Ana was born in Tacoma, Washington (believe it or not!) and grew up all around the world since her father was a Lieutenant in the Air Force. She settled in Southern CA in 1989. We met in 1993when working at the same outside sales rep company in North Hollywood and were married in 1998.We began investing in Real Estate in 2001 with the purchase of our firsttownhouse in Encino and the lot on which we eventually built our home in Big Bear. In 2001,the real estate market was very similar to the current market. Prices were down from previous years and interest rates were low (although not anywhere near as low as theyare today). At the time, our interest rate was 7.75%, but the price was still low; and even after paying taxes and HOA fees, we were only paying a little more than what we had been paying for rent in West Los Angeles. We were actually ahead of the game when you considered the tax deductions and we were finally building equity. In fact, prices were going up so quickly that within 6 months, we had more than 20% equity, even though we had put down only 5%. This allowed us to refinance and get rid of our PMI while getting the lower rate at the time of 6.75%. We lived in the condo for three years and sold it in 2004 for a profit of almost $220K (not bad for an initial $8000 investment). At that time, we bought a fixer-upper in Burbank and moved in. While in Burbank, we started looking for investments out of state as prices in CA had sky-rocketedand it was nowhere near possible to rent out a property for enough to makethe mortgage payments, even with 20% down. So we bought a couple of proerties inTX that paid for themselves (Principal, Interest, Taxes, and Insurance) with only 10% down. We also bought a condo on the water in Florida, with the idea of renting it out for the time being and then using it ourselves in retirement; but "retirement" came a lot earlier than we expected. That townhouse in Encino was the beginning of a string of real estate investments that eventually allowed us to quit our 9-5 jobs and move to our "vacation home" in Big Bear. We now live off of the income from our rental properties and are able to spend time helping others find properties that will not only provide years of enjoyment for their families, but hopefully also lead them to the kind of financial freedom that we have found through Real Estate. http://www.bigbearteam.com

Other languages

Spanish

Learn More About Joe

Specialties

Buyers
Sellers
Residential Property

Investment Properties, Vacation Rentals, Second Homes

Awards

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Recent Sales Exceptionally Fast: Sells on average in 30 days!

Date
Address
Property Type
Price
Represented

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Contact Information

Location

10620 Treena Street #230, San Diego, CA, 92131

Available Listings View All

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Reviews & Ratings

10 Reviews
(5/5)

Note: Reviews may include other agents on their team

What clients say about this agent....

Professional

Knowledgeable

Attentive

Communicative

Responsive

Trustworthy

Angela C.
Review for Member: Angela M

August 10, 2016

Local Knowledge

Process Expertise

Responsiveness

Negotiation skills

ZillowVERIFIED

I would have a hard time using anyone else as a realtor after having Joe and Ana help me buy a property. They were MAGNIFICENT and always so attentive and knowledgeable. They walk you through every step of the process, always answer your calls and get back to you right away. Incredibly professional, informative, attentive and kind, these two are simply the best!!! I cant imagine working with anyone else in buying a property. If youre looking for an excellent realtor, use Big Bear Team!!!

Ttracey4 C.
Review for Member: Ttracey4

April 20, 2016

Local Knowledge

Process Expertise

Responsiveness

Negotiation skills

ZillowVERIFIED

Joe and Ana were by far, the best realtors I have used and I have completed more than 10 real estate transactions. They were ALWAYS available to take my calls, quick to recommend local professionals for any required work and extremely knowledgable about real estate and the Big Bear market in particular. Joe stayed on top of the whole transaction from start to finish and was always looking out for our best interest. I would DEFINITELY use them again in any real estate transaction.

Dianat129 C.
Review for Member: Dianat129

July 21, 2015

Local Knowledge

Process Expertise

Responsiveness

Negotiation skills

ZillowVERIFIED

This was the most rewarding transaction we have experienced. Joe and Ana are the best. Every detail was taken care of in a professional, timely manner. We definitely will refer them to our family and friends and look forward to working with them in the future.

Peter C.
Review for Member: Peter Kennelly

March 4, 2015

Local Knowledge

Process Expertise

Responsiveness

Negotiation skills

ZillowVERIFIED

My wife and I recently purchased a home with the help of Joe and Ana. They were extremely responsive and patient with any questions we threw their way. Since we didnt know the area very well, they provided invaluable insight and advice during our house hunting period. In addition, they seem like very down to earth people. I will be recommending them to my friends and family.

Natalie C.
Review for Member: Natalie Grant

March 4, 2015

Local Knowledge

Process Expertise

Responsiveness

Negotiation skills

ZillowVERIFIED

We worked with Joe & Ana Kovich to help us find and buy a family cabin in Big Bear. They were excellent to work with and I would highly recommend using them as your trusted real estate team. We do not live locally so it was very important for us to work with a team that knew the area well and that were super responsive. We will definitely use them for our next real estate purchase in Big Bear.

Jeffreycgrant C.
Review for Member: Jeffreycgrant

March 3, 2015

Local Knowledge

Process Expertise

Responsiveness

Negotiation skills

ZillowVERIFIED

Joe helped us buy a cabin last month, and he did an excellent job for us. He truly knows the specific areas and neighborhoods of Big Bear well, and helped us understand the specificities of each. He then walked through the detailed contract for our understanding, and helped us get a great deal in regards to price and repairs. He was patient, communicative, and quick to respond. I appreciate his nice demeanor as well. If youre looking for someone who really knows their stuff and is professional along the way, Joe is your guy!

Zuser20140612073555853 C.
Review for Member: Zuser20140612073555853

February 12, 2015

Local Knowledge

Process Expertise

Responsiveness

Negotiation skills

ZillowVERIFIED

We have bought and sold several homes over the past 20+ years, and we need to say how absolutely wonderful Joe and his wife Ana have been throughout this whole process! Far and away the finest agent ever! We looked at numerous properties, throughout the area with Joe, and he was very patient with us and guided us through the whole process expertly! We could not be any happier!

Letitiathiart C.
Review for Member: Letitiathiart

February 6, 2015

Local Knowledge

Process Expertise

Responsiveness

Negotiation skills

ZillowVERIFIED

Joe and Ana were fantastic and made the experience of buying a home in Big Bear so much more fun than we thought. Being in Mission Viejo made it hard to be there, but every time we were available Joe made it happen. He has spend hours showing us houses. I never felt rushed and his time with us was purely our time. He is so knowledgeable and is always happy and willing to help in any way that he can. Once we had decided on two houses, he really helped and was there with us every step of the way. Joe and Ana were so helpful with all the paperwork and made it so easy for us. The communication was excellent and they always got back to us immediately and made us feel like we were their priority. They were happy to answer any of our questions and gave us great advice and information that we would need, to be owners in Big Bear. I would highly recommend Joe for an excellent experience.

Pcarrozza2004 C.
Review for Member: Pcarrozza2004

January 14, 2015

Local Knowledge

Process Expertise

Responsiveness

Negotiation skills

ZillowVERIFIED

Joe and Ana are the most organized and helpful people. They made purchasing our vacation home simple. They were very organized. They reccomended companies for insurance. They also sent us a list of service providers to transfer service. They stayed on top of everything and helped us close so we could celebrate the new year! Thank you!

Gustin C.
Review for Member: Gustin Deborah

November 24, 2014

Local Knowledge

Process Expertise

Responsiveness

Negotiation skills

ZillowVERIFIED

An honest real estate agent, if thats who your looking for then use Joe Kovich. He always made himself available for us told us the truth good or bad, never tried to oversell or push us towards what we werent looking for. He is very knowledgeable about the area, and it was a blessing to have had Joe as our agent.