Hayes Realty Group

John J Hayes Always stay on "PAR" with your real estate needs Serving Sacramento, Folsom, El Dorado Hills, El Dorado County      Thursday November 23rd, 2017

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Lending Up Date Category

Mortgage update in Folsom Ca

said November 3rd, 2011 Leave A Comment John Hayes

John Hayes Folsom, CA Real Estate

Wednesday’s bond market has opened in negative territory following a rebound in stocks. The stock markets are recovering a good part of yesterday’s losses with the Dow up 167 points and the Nasdaq up 28 points. The bond market is currently down 17/32, which will likely erase approximately .250 of yesterday’s improvements to mortgage rates. There is no important governmental economic data scheduled for release today. The private sector employment-related reports that were posted this morning...

Folsom, El Dorado Hills Market Outlook

said October 25th, 2011 Leave A Comment John Hayes

John Hayes Folsom, CA Real Estate

Monday’s bond market has opened fairly flat with no relevant economic data scheduled for release. This morning’s stock markets are showing noticeable gains with the Dow up 71 points and the NASDAQ up 33 points. The bond market is currently down 1/32, which will likely push this morning’s mortgage pricing higher by approximately .125 of a discount point. With nothing of importance taking place or being released today, look for the stock markets to be the biggest influence on bond trading...

A Common El Dorado Hills Short Sale Case Mistake: Waiting Too Long To Put your Home On The Market

said July 15th, 2011 Leave A Comment John Hayes

John Hayes Folsom, CA Real Estate

El Dorado Hills CA – Many homeowners think they have lots of time. “We’ll put out home up for sale in a few months. I know the bank is working to foreclose on it, but we can wait”, they say to themselves. In order to have a successful short sale, then your agent will need time to submit everything to the lender and for them to process it. In addition, it can take a month or more for your home to sell....

Folsom Ca Council approves annexation south of Highway 50

said June 16th, 2011 Leave A Comment John Hayes

John Hayes Folsom, CA Real Estate

Just thought I would share this with all the Folsom residents. Folsom Ca Council approves annexation south of Highway 50 After more than a decade of planning, the city of Folsom pushed forward on its bid Tuesday night to annex 3,500 acres south of Folsom, voting unanimously to send the expansion plan to the local body empowered to make a final decision. The issue brought protests from a handful of residents during the hearing but enthusiastic and lengthy support from members of the...

Quick Guide for Waiting Periods After a Short Sale Or Foreclosure

said June 8th, 2011 Leave A Comment John Hayes

John Hayes Folsom, CA Real Estate

So if you have had a short sale or foreclosure, below is the your waiting period to buy a home.   This helpful at-a-glance guide will provide you with the required wait times when working with bankruptcies, foreclosures and short sales.       Chapter 7 BK – 4 year waiting period from the discharge/dismissal date     Chapter 7 BK – 2 year waiting period from the discharge/dismissal date   Chapter 13 BK – 1 year of the payout must have elapsed and the borrower’s performance must have been paid as agreed....

El Dorado Hills Ca: Freddie Mac: Mortgage rates still falling May 26, 2011 |  8:02 am Mortgage rates fell for the sixth straight week, according to a widely watched survey of lenders, with the 30-year fixed loan at an even 4.60%, its lowest level since fall. That was down a notch from 4.61% the week before, government-controlled home lending giant Freddie Mac said. Fixed-rate mortgages that pay off over 15 years were being offered to well-qualified borrowers at a typical rate of 3.78%, Freddie Mac...

May 9 (Bloomberg) -- More than 28 percent of U.S. homeowners owed more than their properties were worth in the first quarter as values fell the most since 2008, Zillow Inc. said today. Homeowners with negative equity increased from 22 percent a year earlier as home prices slumped 8.2 percent over the past 12 months, the Seattle-based company said. About 27 percent of homes were "underwater" in the fourth quarter, according to Zillow, which runs a website with property-value estimates and...

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