Had the same thing happen on our 20SVSB this Memorial weekend. Had a full load of 10 and I thought it seemed like the front end was abnormally low when we were leaving the dock, but pressed forward anyway telling myself it was just 'different' because it wasn't just the wife & I. Should have listened to my gut... Got out of the cove, hit an average size wave at slow speed and the front end just nose dived. we've had a little water come over the front end before, but I swear I felt the back end of the boat come up this time & the pucker factor shot up! Redistributed people a bit, did a 180, and proceeded directly back to the dock to offload a few folks.
Needless to say, next time I'll pay more attention to weight capacity vs people capacity. And I won't worry about upsetting anyone by asking them to sit toward the rear. Lesson learned.