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

Folsom Short Sales: How To Negotiate So You Can Short Sale With No Deficiency

said March 14th, 2013 Leave A Comment John Hayes

John Hayes Folsom, CA Real Estate

Folsom CA – If your loan has Private Mortgage Insurance, also known as PMI, then there is a high likelihood that they will request that you sign a promissory note. Today’s blog post talks about how to convince the lender to waive it. PMI companies are notorious for asking for promissory notes. The reason they ask for them so much is because there is no risk in doing so. If the home is foreclosed upon, then they will have to pay...

A Common Mistake Being Made On El Dorado Hills Short Sales

said March 9th, 2013 Leave A Comment John Hayes

John Hayes Folsom, CA Real Estate

El Dorado Hills CA – I see a lot of agents making mistakes on short sale property valuation. Lenders hire a supposedly impartial third party to value the property. Many of these people are evaluating 10 properties a day. There is very little quality control and usually no one checks their work. Because of that, I always try to meet them at the home when they are doing their inspection. I explain the history of the property and why it is selling...

108 Fargo Way, Folsom, CA 95630 Sold

said March 5th, 2013 Leave A Comment John Hayes

John Hayes Folsom, CA Real Estate

Click Here To View More Pictures Great Home For First Time Home Buyer Or Investor! 1311 Sqft Home..4 Beds-2 Bath..Hard Wood Floors..Fire Place..Large Lot With Pool. Newer Roof..Schools are.. T Judah..Sutter MS...Folsom HS Listing #12046438 $200,000 (LP) $215,000 (SP) Price/SqFt: 164.00 SP % LP: 107.50 Thanks for reading this, John J Hayes. John J is a Real Estate Agent at RE/MAX Gold. Phone: 530-306-3316. [email protected] "Hard Work and Dedication" View My homes for sale at www.johnhayesrealestate.com/home-search. John Hayes specializes in loan modification assistance and short...

RE∕MAX Real Estate Search By RE/MAX Folsom-El Dorado Hills

said March 5th, 2013 Leave A Comment John Hayes

John Hayes Folsom, CA Real Estate

Click Here To Get This APP The free RE/MAX Mobile App for iPad keeps up when you're on the move. Whether you're outside a home that's caught your eye, you have some down time between appointments, or just need information instantly, the RE/MAX Mobile App delivers. No waiting. It's got everything you need: Instant access to homes for sale near your current location Customized search options All the listing details and available photos Turn-by-turn directions to homes you want to see Interactive maps for navigating neighborhoods Ability...

El Dorado Hills Short Sales: What To Do When The Lender Won’t Approve The Short Sale

said March 4th, 2013 Leave A Comment John Hayes

John Hayes Folsom, CA Real Estate

El Dorado Hills CA – If you are doing short sales, then you must learn how to escalate a file. Here's why. What do you do when the house isn't selling for any more money, but the bank keeps on rejecting the offers? You can give up, but then the seller loses the house to foreclosure. Ouch! Why not escalate the file and get it approved? Here's an example of how it worked for the Stop Foreclosure Institute. We had a house on...

4404 Lakeridge Dr, Pollock Pines, CA 95726

said March 4th, 2013 Leave A Comment John Hayes

John Hayes Folsom, CA Real Estate

Beautiful 4bed-3bath,2113 Sqft Home Has A Lot To Offer. Close to Freeway, Close to Sly Park Lake, Close To Lake Tahoe, Close To Town. Large Fire Place, Newer Roof, Newer Deck, Updated Kitchen, Granite Counter Tops, Stainless Steel Appliances, Hard Wood Floors. Large Wood Beams In The Living Room. Updated Bathrooms, Hot Tub. Newer AC Units. Electricity Goes Out No Worries Just Flip A Switch. Come Check Out This Awesome Home! Click Here To View More Pictures: Thanks for reading this, John...

Do El Dorado Hills Short Sales Really Take 6-8 Months To Complete?

said February 22nd, 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 John. Here is John’s Question. “I am trying to buy a short sale. I have been waiting for an answer to my offer for 6 months. The agent tells me we should have an answer any day. But, they’ve been saying that for a long time already. What should I do? John.” John, I think you should run for the hills. We see a lot of agents quote 6-8...

El Dorado Hills Short Sale Question: The File Is Going To The Investor?

said February 22nd, 2013 Leave A Comment John Hayes

John Hayes Folsom, CA Real Estate

El Dorado Hills CA – The Stop Foreclosure recently received a question from Georgia. Here was her question. " When the bank says the file should be going to an investor soon what does that mean? Georgia." Here is the answer. It means that whoever ultimately owns the loan will make the decision. For example, you might be negotiating the short sale with Wells Fargo. However Wells Fargo may not own the loan. (Around 80% of all the loans they service are owned...

Folsom Loan Mod Question: How Do I Get A Loan Mod On An FHA Loan?

said February 21st, 2013 Leave A Comment John Hayes

John Hayes Folsom, CA Real Estate

Folsom CA – The Stop Foreclosure recently received a question from Grant. Here was his question. "I have an FHA loan and want to get a loan modification. My bank is playing hardball and won't modify the loan at all. My friend got a loan modification and said it was pretty easy. What can I do to modify my loan?" Grant. Here is the answer. I don't know the specific rules for FHA Loan Modifications. But, I do know how to find them....

How Does A El Dorado Hills Short Sale Or Loan Modification Affect My Credit Score?

said February 19th, 2013 Leave A Comment John Hayes

John Hayes Folsom, CA Real Estate

El Dorado Hills CA – How do foreclosures, loan modifications or short sales affect a credit score? Your credit score will be affected by late mortgage payments and a short sale. However, there are 2 things that are considered horrible on your credit report. Those 2 are items are foreclosure and bankruptcy. A foreclosure or bankruptcy will almost immediately lower a credit score by around 100 to 120 points. (The number is not hard and fast – it all depends upon what the...