Hayes Realty Group

John J Hayes Always stay on "PAR" with your real estate needs Serving Sacramento, Folsom, El Dorado Hills, El Dorado County      Monday May 29th, 2017

Contact John 530-306-3316

Buyer Info Category

Avoid This Mistake When Negotiating A El Dorado Hills Loan Modification

said April 9th, 2013 Leave A Comment John Hayes

John Hayes Folsom, CA Real Estate

El Dorado Hills CA – If you're trying to get a loan modification, then you have think like a banker. How you present your finances is the key to success. You’ve got to show them an income that’s not too high and not too low. If you show them too low an income, they’re going to say “Oh, this guy can’t afford his house payment. Click here to discover how other sellers successfully did a short sale and avoided foreclosure. If we reduce...

Folsom Loan Mod Help: How You Can Reduce Your Payments Without A Loan Modification

said April 4th, 2013 Leave A Comment John Hayes

John Hayes Folsom, CA Real Estate

Folsom CA – Here are the recommended steps to take before you strategically default. We have consulted a financial expert who recommends these steps before strategically defaulting. He believes that taking these steps will reduce the likelihood of your lender pursuing you after a short sale or foreclosure. We have to warn you of what could happen if you take these steps. If you stop paying your credit cards, car loan, or house payment, then you could lose your house, car, and...

El Dorado Hills Loan Mod Help: How You Can Reduce Your Payments Without A Loan Modification

said April 4th, 2013 Leave A Comment John Hayes

John Hayes Folsom, CA Real Estate

El Dorado Hills CA – Getting a loan modification accepted is tough. Many that should have be accepted end up rejected. I recently saw a bank foreclose on a 400k mortgage. The house sold for 130k! They would have made more money just cutting the homeowner's payments in half! This kind of stupidity gets on my nerves. Some people have mentioned a strategy that can help you reduce your payments without a mod. A person with two mortgages just stops paying the...

Thinking About A Strategic Default in El Dorado Hills? Take These Steps First To Avoid Problems

said March 31st, 2013 Leave A Comment John Hayes

John Hayes Folsom, CA Real Estate

El Dorado Hills CA – Yesterday, we told you about a new program that Fair Isaac, the founder of the FICO score, came out with to tracks strategic defaults. If you are thinking about a strategic default, then you must be aware of this. FICO claims to be able to notify a lender when someone has strategically defaulted, or looks ready to strategically default. This helps lenders implement additional collection procedures to get you to repay their loss. I spoke with an...

El Dorado Hills Short Sales: The Most Effective Way To Stop Debt Collector Harassment

said March 28th, 2013 Leave A Comment John Hayes

John Hayes Folsom, CA Real Estate

El Dorado Hills CA – Debt collectors are infamous for multiple phone calls at all hours of the day. One person told the Stop Foreclosure Institute that he would receive several phone calls the first thing Sunday Morning. "They would call my home phone at 8:15AM on Sunday. This was the only day that I had to sleep in and they woke me up. I had 2 other people call me before noon", he told us. This is the biggest complaint the...

Folsom Short Sales: The Most Effective Way To Stop Debt Collector Harassment

said March 28th, 2013 Leave A Comment John Hayes

John Hayes Folsom, CA Real Estate

Folsom CA – Debt collectors are infamous for multiple phone calls at all hours of the day. One person told the Stop Foreclosure Institute that he would receive several phone calls the first thing Sunday Morning. "They would call my home phone at 8:15AM on Sunday. This was the only day that I had to sleep in and they woke me up. I had 2 other people call me before noon", he told us. This is the biggest complaint the Stop Foreclosure...

Folsom Short Sales: Do Debt Collectors Break The Law?

said March 22nd, 2013 Leave A Comment John Hayes

John Hayes Folsom, CA Real Estate

Folsom CA – You would be shocked ad how many times I have seen debt collectors use illegal debt collection techniques to collect on unpaid bills or credit cards. For example, there are Federal Laws that regulate what a debt collector can do or say. They aren't allowed to threaten to sue you, but then not follow through and actually file suit. To get around this rule, they will use language that sounds legal, but isn't. In one situation, a debt collector in...

Don’t Believe This Myth About El Dorado Hills Short Sales: Banks Don’t Like Short Sales And Prefer Foreclosure Instead

said March 20th, 2013 Leave A Comment John Hayes

John Hayes Folsom, CA Real Estate

El Dorado Hills CA – One of the Stop Foreclosure Institute members talked to a homeowner recently about a short sale. Her house was close to being foreclosed upon. She had thought about short selling the house. But, she had heard from her friends that banks don't really like short sales and never pursued the option. The fact is that banks are better setup for foreclosures. It is only with the recent historic drop in home values that short sales have more...

[optima_express_toppicks id=114977 includeMap=true]     Thanks for reading this, John J Hayes.   John J is a Real Estate Agent at RE/MAX Gold.   Phone:   530-306-3316. <a href="mailto:[email protected]">[email protected]</a>.   "Hard Work and Dedication"   View My homes for sale at <a href="http://www.johnhayesrealestate.com/home-search">www.johnhayesrealestate.com/home-search</a>. <a href="http://"></a>   John Hayes specializes in loan modification assistance and short sales in El Dorado Hills California. El Dorado Hills Loan Modification Help, El Dorado Hills Short Sales. El Dorado Hills Short Sale Realtor. Sacramento CA Loan Modification Help, Sacramento CA Short Sales. Sacramento CA Short Sale Realtor. Folsom...

Does Fannie Mae Pursue Deficiencies On A El Dorado Hills Short Sale?

said March 14th, 2013 Leave A Comment John Hayes

John Hayes Folsom, CA Real Estate

El Dorado Hills CA – The Stop Foreclosure Institute recently received a question from Steve. Here is his question. “We are doing a short sale with one of the largest nationwide banks. I told them I wouldn’t do the short sale unless they specifically changed their short sale approval letter to completely release me from the deficiency. The short sale negotiator told me that Fannie Mae would not allow them to release the deficiency. I read somewhere that Fannie Mae doesn’t pursue...