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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El Dorado Hills Category

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...

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...

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...

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...

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...

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...

Fixing Credit After A El Dorado Hills Short Sale Step 4: Writing The Credit Bureaus

said June 3rd, 2014 Leave A Comment John Hayes

John Hayes Folsom, CA Real Estate

El Dorado Hills CA – Using your work on the credit report, you are ready to take action. You are now going to write a letter to the credit bureaus about the items you’ve highlighted and noted. You are writing to the credit bureaus because they are the ones reporting the information – it is up to them to change what they report. The goal is to get bad things deleted from your credit report in order to improve your score. Do not...

Folsom-El Dorado Hills CA – The next step in going over your credit reports is to really rank the items being reported about you to find ones that are the most negative. Rank the negative items with the MOST negative ones given the lowest ranking. You want to rank the ones that will cause the most damage to your credit score. Here are the most damaging items (in order of damage amount): bankruptcy; foreclosure; repossession; loan default; court judgment; accounts in collections;...

Fixing Credit After A El Dorado Hills Short Sale Step 2: Analyzing Your Credit Report

said June 3rd, 2014 Leave A Comment John Hayes

John Hayes Folsom, CA Real Estate

El Dorado Hills CA – Once you have gotten your credit report, the next step in the process of restoring your credit score is to go over it with a critical eye. Analyze what the report says. Put aside any emotion that looking at the report might stir up – you need to look at it objectively. First, make two copies of your credit report. Save the original without any marks on it. You can make any notes you need on one...

The First Step To Fixing Your Credit After A Folsom-El Dorado Hills Short Sale

said June 1st, 2014 Leave A Comment John Hayes

John Hayes Folsom, CA Real Estate

Folsom-El Dorado Hills CA – One of the common reasons that people are concerned about a foreclosure or short sale in their history is because they are concerned about their credit score. While it’s true that your credit score will be adversely affected by these items, it is also true that you can move past blemishes on a credit report. You may want to consider doing some credit repair or credit restoration. It isn’t hard to do, and when taken step by...