Hayes Realty Group

John J Hayes Always stay on "PAR" with your real estate needs Serving Sacramento, Folsom, El Dorado Hills, El Dorado County      Tuesday September 2nd, 2014

Contact John 530-306-3316

Who Pays The Costs In A Folsom/El Dorado Hills Short Sale?

said August 27th, 2014 Leave A Comment John Hayes

John Hayes Folsom, CA Real Estate

Folsom/El Dorado Hills CA – You may wonder why a sales contract says the seller pays for certain costs and yet the bank covers the costs. Here is how it works. The sales contract may have a certain clause say: “Seller to pay title and seller’s documentary stamp taxes.” How does the bank pay that cost if it says the seller is paying it? In traditional real estate (non short sale), certain costs are normally paid by the seller and other costs...Read More

Folsom/El Dorado Hills Short Sale Myth: Anyone Can Negotiate With The Lender

said August 26th, 2014 Leave A Comment John Hayes

John Hayes Folsom, CA Real Estate

Folsom/El Dorado Hills CA – Yes, many people think they can negotiate with the lender. But, some of them don’t have the skills necessary to be successful. Here are a few of the things someone needs before they can negotiate a short sale. < They must have the ability to understand HUD-1 Closing Statements. The lenders will want a copy of the closing statement, also call a HUD-1. Most people in the lender’s short sale departments are very familiar with HUD-1s. The person negotiating...Read More

Folsom/El Dorado Hills Short Sales: More Reasons Why Short Sales Fail

said August 25th, 2014 Leave A Comment John Hayes

John Hayes Folsom, CA Real Estate

Folsom/El Dorado Hills CA – We recently gave a couple of common reasons that short sales fail. Today, we will go thru a few more reasons. (To recap, here were the reasons we put in our previous blog post. Reason #1: The sales price is lower than the lender wants. The lender thinks the home is worth more than it is selling for and won’t approve the short sale unless the price is for the value they have. Reason #2: The...Read More

El Dorado Hills Short Sales: What makes a good short sale realtor?

said August 18th, 2014 Leave A Comment John Hayes

John Hayes Folsom, CA Real Estate

El Dorado Hills CA – A good short sale realtor will mean the difference between success and failure on your short sale. Here are the qualities that make a good, effective short sale realtor. Persistence. Short sales are frustrating. Many times you will feel like giving up. Many times you will feel like you have finished the task. The short sale will be approved. Then, the lender tells you that they need a certain document signed by all parties. They won’t approve...Read More

Foslom-El Dorado Hills Short Sales: Should I renew my insurance when I am short selling my house?

said August 18th, 2014 Leave A Comment John Hayes

John Hayes Folsom, CA Real Estate

Folsom-El Dorado Hills CA – The Stop Foreclosure Institute recently received a question from Chuck. Here was his question. “I'm trying to short sale. I received a note from my Insurance agent that my Homeowners insurance will be cancelling as of this month because the insurance company went under. My insurance agent told me that he can place me with the State run insurance agency for $1,900.00, but I will have to pay the money by the end of the month. I do...Read More

Folsom-Shingle Springs-El Dorado Hills Short Sale Question: Can I Short Sale If My House Is Already In Foreclosure?

said August 18th, 2014 Leave A Comment John Hayes

John Hayes Folsom, CA Real Estate

Folsom-Shingle Springs-El Dorado Hills CA – The Stop Foreclosure Institute recently received a question from Dave. Here was his question. “I would like to short sale my house. However, the foreclosure has already started. I don’t know how soon the bank is going to come and kick me out. Can I still short sale? Or, is it to late? Dave.” Here is the answer to his Question. Dave, yes you can still short sale your house. It does depend on how far along...Read More

4360 Lombardia Way, El Dorado Hills, CA 95762

said August 7th, 2014 Leave A Comment John Hayes

John Hayes Folsom, CA Real Estate

Gorgeous Single Story In El Dorado Hills/Serrano! 2214 Sqft Open Layout Has Much To Offer! 4 Beds 2 Bath.. Granite Counters Tops..Lots Of Cabinets/Storage..Pre Wire For Surround Sound..Engineered Wood Floors..Open Dining Area..Spacious Living Room.. Large Master Bed and Bath..Large Walk In Closet..Large Lot! Close to Parks and Country Club. Schools..Silva Valley or Oak Meadow Elementary..Rolling Hills Middle..Oak Ridge High. Lowest Priced Home In Serrano. Beds: 4* Baths: 2 (2 0) (FH)* Sq Ft: 2214* Lot Sz: 0.1930ac* Yr: 2004* Click Here For More Pictures: Thanks for reading...Read More

4360 Lombardia Way, El Dorado Hills, CA 95762

said July 15th, 2014 Leave A Comment John Hayes

John Hayes Folsom, CA Real Estate

Desirable Single Story In Serrano. This 2214 Sqft Open Layout has much to offer. 4 Beds 2 Bath Granite Counters Tops..Laminate Wood Floors..Open Dining area..Spacious Living Room.. Large Master Bed and Bath.. Large Walk In Closet..Large Lot! Close to Parks and Country Club. Schools..Silva Valley or Oak Meadow Elementary..Rolling Hills Middle..Oak Ridge High. Beds: 4* Baths: 2 (2 0) (FH)* Sq Ft: 2214* Lot Sz: 0.1930ac* Yr: 2004 Listing #14042571 $449,500 (LP) Lot Sz: 0.1930ac* Thanks for reading this, John J Hayes. John J is...Read More

1585 Bonanza Ln, Folsom, CA 95630 Sold

said June 27th, 2014 Leave A Comment John Hayes

John Hayes Folsom, CA Real Estate

Another Folsom home sold in less than 20 days. 1585 Bonanza Ln, Folsom, CA 95630 sold 6/25/2014 Next to the Trails, Folsom Lake, Empire Ranch Golf Course, Nature Preserve and Restaurants/Shopping. Beautiful open greatroom style home with granite countertops, GE Caf Series stainless steel appliances, hardwood floors, tile floors, high-end carpet & pad, 2-tone paint, 6 inch base, custom shutters, NEW patio in courtyard, crown molding and much much more. Beds: 4 Baths: 3 (3 0) (FH) Sq Ft: 2000 ...Read More

Fixing Credit After A Folsom- El Dorado Hills Short Sale Step 9: Rinse & Repeat

said June 10th, 2014 Leave A Comment John Hayes

John Hayes Folsom, CA Real Estate

Folsom-El Dorado Hills CA – If you have a foreclosure or short sale on your credit report, then it will lower your credit score quickly. In the near term, the decrease will be much more than it will be a few months down the road when it starts to inch its way back up. The credit reporting bureaus weigh the most recent activity more heavily than the distant past. Taking action now to build up the most recent activity is a great...Read More