I'm a local Chula Vista Realtor and my company and I specialize in bank owned properties. I would also recommend opening up your search to include short sale homes and traditional (non-bank owned or short sale).
Since it looks like you have time and you won't be moving immediately, there would be a lot more homes to choose from if you include the short sale inventory. The short sale will take longer (generally 2-5 months) but you can pick up a great deal if you have the patience to wait for the bank to approve the short sale. Banks are much more cooperative now and have streamlined their systems.
Regarding your search criteria, can you please provide me with what you are exactly looking for so we can narrow down the search area since Chula Vista has many different communities. Also, are you open to a property with an HOA (home owner association) fee and properties that have Mello Roos Tax?
You can search for homes on my website for free or if you prefer, I can perform a personal search just for you. Let me know if you have any questions and if you would like to discuss your plans with me. Please contact me anytime at your convenience. Tess, I wish you all the best and I look forward to hearing from you... Thanks!
With Kind Regards,
Bank Owned and Short Sale Specialist
Weichert Realtors Elite