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 22nd, 2017

Contact John 530-306-3316

Lending Up Date Category

What You Should Look For In A Buyer Of Your Folsom-El Dorado Hills Short Sale Property

said March 7th, 2014 Leave A Comment John Hayes

John Hayes Folsom, CA Real Estate

Folsom-El Dorado Hills CA – Short Sales can be tough. Many buyers don't understand the process and think that since it is a buyer's market, then they set the rules. That's not the case. You, the seller set the rules. After all, you still own the property. But, more importantly, you must set the rules for offers. If you don't then you dramatically reduce your odds of successfully short selling your property. Here is what you should think about before you take...

El Dorado Hills Short Sale Question: Should I Stop Paying My Mortgage During The Short Sale Process?

said August 22nd, 2012 Leave A Comment John Hayes

John Hayes Folsom, CA Real Estate

El Dorado Hills CA – We are often asked by short sale sellers whether or not they should continue paying their mortgage payment while they attempt to short sell their home. Here is the quick answer. Yes, if you care about your credit rating. No, if you don't care about your credit. However, many people think that in order to be eligible for a short sale you must stop paying your lender. That is not true. Many lenders will approve a short...

Folsom-El Dorado Hills, Extra Mortgage Payments Equal Big Pay-Offs

said January 20th, 2012 Leave A Comment John Hayes

John Hayes Folsom, CA Real Estate

  You've probably heard that making an extra mortgage payment per year is a good thing. But how good? Will it really make a big difference in your financial future? In most cases, YES! Any extra payments made to your loan will 1) cut the length of the mortgage and 2) cut the amount of interest you pay over the life of the loan. You will build equity faster, which will also make you more appealing to future lenders. Consider this: for a...

Folsom-El Dorado Hills Short Sale Question: My property is in rough shape and needs work. Can I still do a Short Sale?

said January 19th, 2012 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 Dan. Here was his question. “My property is in rough shape and needs work. Can I still do a Short Sale? Dan.” Click here to discover how other sellers successfully did a short sale and avoided foreclosure. Here was our answer to his question. You can still do a short sale. It is a fact that lenders are more motivated to do a short sale on a property that...

El Dorado Hills Short Sale Question: Do Lenders Always Agree To Loan Modification Requests?

said January 16th, 2012 Leave A Comment John Hayes

John Hayes Folsom, CA Real Estate

El Dorado Hills CA – Unfortunately, lenders do not always agree to loan modifications. That’s why when you decide to explore this option you need to get all the information you can on the subject. Lenders call the loan modification process "Loss Mitigation." Loss mitigation is the act of lessening the lender's losses whether they approve a loan modification, short sale, or foreclose on the property. Click here to discover how other sellers successfully did a short sale and avoided foreclosure. The lender's...

Real Estate Inventory In Folsom Ca

said January 11th, 2012 Leave A Comment John Hayes

John Hayes Folsom, CA Real Estate

The inventory in Folsom Ca is down as of 1/11/12, we are at 1.6 months of inventory. Normal should be about 3 to 3.5 months of inventory. So with this said the demand is really high and you are going to see multiple offers on homes. Don't focus so much on the purchase price but if you really like the home what do I have to do to get into contract. There is multiple ways to structure the...

Will your El Dorado Hills Short Sale Realtor follow up properly to ensure success?

said December 23rd, 2011 Leave A Comment John Hayes

John Hayes Folsom, CA Real Estate

El Dorado Hills CA – We got a short sale approved yesterday. This file was a fiasco from day one. Despite the incompetence we suffered, we got the file approved thru persistent follow up. The first lender handling the file was incredibly incompetent. Their short fax number didn't work. We mailed the short sale package to them and they lost it. We mailed it again and they finally got it. Click here to discover how other sellers successfully did a short...

Folsom El Dorado Hills –The Foreclosure Report – November 2011

said December 17th, 2011 Leave A Comment John Hayes

John Hayes Folsom, CA Real Estate

The Foreclosure Report - November 2011 Foreclosure Sales Slow for the Holidays, While Lenders Prepare for 2012 It is not unusual to see foreclosures slow for the holidays, and the this year is no exception. Foreclosure starts were up slightly in Nevada and Washington, but the increases were insignificant given the recent declines in those states due to legislative changes and legal challenges. Foreclosure Sales rose only in Arizona, but that increase simply offset the drop seen in October and is still...

Folsom Bond Market Update 12/8/2011

said December 8th, 2011 Leave A Comment John Hayes

John Hayes Folsom, CA Real Estate

Thursday’s bond market has opened in positive territory again following early stock losses. The stock markets are showing moderate losses during morning trading with the Dow down 54 points and the Nasdaq down 13 points. The bond market is currently up 5/32, which with yesterday’s afternoon improvements should lower this morning’s mortgage rates by approximately .125 - .250 of a discount point. The Labor Department said early this morning that 381,000 new claims for unemployment benefits were filed last week. This...

Folsom, El Dorado Hills Short Sales: What Occupy Wall Street Doesn’t Know About Bankers

said November 21st, 2011 Leave A Comment John Hayes

John Hayes Folsom, CA Real Estate

Folsom, El Dorado Hills CA – Occupy Wall Street Protestors are not having the best success attacking Wall Street and the banks. But, that is because they are complaining about what they think is wrong with the situation. Click here to discover how other sellers successfully did a short sale and avoided foreclosure. If the protestors only knew the level of incompetence in the banks, then they would have a better argument. Here are some of the glaring mistakes we see the...

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