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 June 26th, 2017

Contact John 530-306-3316

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Thinking About Short Selling Your Upside Down Folsom Home? Here Is Why A Short Sale Causes Your Home To Sell For More

said February 4th, 2013 Leave A Comment John Hayes

John Hayes Folsom, CA Real Estate

Folsom CA – People often wonder why their lender will release their debt in a short sale. Most lenders don't like to release the debt. But, they agree to do it because they know that policy nets them more money. They net more because a home usually sells for more money as a short sale versus after it has been foreclosed upon. Let's go thru a few examples. See the home in the top picture? You can see that it is good shape....

10898 Woodring Dr, Mather, CA 95655

said January 23rd, 2013 Leave A Comment John Hayes

John Hayes Folsom, CA Real Estate

Great Home In Mather. Open Kitchen..Large Living Room/Family Room. Large Master and Master Bath. Large Lot Backing Up To Environmental Space. Beds: 4* Baths: 3 (2 1) (FH) Sq Ft: 2680* Lot Sz: 0.214ac* Yr: 2003* Click Here To View More Pictures: 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 sales in El Dorado...

Folsom Short Sales: Could The Realtor You Hire Kill Your Chance At A Successful Short Sale?

said January 23rd, 2013 Leave A Comment John Hayes

John Hayes Folsom, CA Real Estate

Folsom CA – The biggest reason people short sale their house is to avoid foreclosure. They cannot afford the house anymore and the bank has said they will foreclose soon. If the short sale is not successful, then their lender will foreclose on the house. We at the Stop Foreclosure Institute have successfully closed short sales for several years. We’ve made it our business to know what we are doing. But, we see many agents that have no clue about short sales...

What Is A Reasonable Offer From A Buyer Of A El Dorado Hills Short Sale Property

said January 17th, 2013 Leave A Comment John Hayes

John Hayes Folsom, CA Real Estate

El Dorado Hills CA – Some buyers think that since it is a buyer's market, then they can make any crazy demand of a seller. And they can't understand when the seller isn't excited by their low ball offer. Here is an example of a recent story where this happened. A buyer makes an offer on a short sale. 1. The buyer puts no money in deposit for the home. In other words, they have about zero risk. (Meanwhile, the seller is...

Folsom Short Sales: Could The Realtor You Hire Kill Your Chance At A Successful Short Sale?

said January 17th, 2013 Leave A Comment John Hayes

John Hayes Folsom, CA Real Estate

Folsom CA – The biggest reason people short sale their house is to avoid foreclosure. They cannot afford the house anymore and the bank has said they will foreclose soon. If the short sale is not successful, then their lender will foreclose on the house. We at the Stop Foreclosure Institute have successfully closed short sales for several years. Click here to discover how other sellers successfully did a short sale and avoided foreclosure. We’ve made it our business to know what we...

El Dorado Hills-Folsom Short Sales: How To Get A Short Sale Lender To Waive A Deficiency

said January 11th, 2013 Leave A Comment John Hayes

John Hayes Folsom, CA Real Estate

Folsom CA – The Stop Foreclosure Institute recently received a question from John. Here is John's Question. "I just received a full price offer on my house. My main concern is that I don't get stuck having to pay off the deficiency. I have a first and 2nd with Chase and owe 270K on the home. The buyer's loan is also with Chase. How can I work this out so that I can walk away from this without owing any money? Is...

SACRAMENTO CA-DEBT FORGIVENESS RELIEF EXTENDED THROUGH 2013

said January 10th, 2013 Leave A Comment John Hayes

John Hayes Folsom, CA Real Estate

The American Taxpayer Relief Act of 2012 was passed late in the evening on January 1st and is expected to be signed by President Obama. While much of this contentious Bill was disappointing to all and, in effect, kicked the can down the road for more negotiations in the months to come, reading through the Act reveals a blessing for upside-down homeowners. Click Here To Read Artical Thanks for reading this, John J Hayes. John J is a Real Estate Agent at...

Folsom-El Dorado Hills Short Sales: I Have Mortgage Insurance. Won’t That Cover The Deficiency?

said January 10th, 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 Max. Here is Max's Question. "If I pay mortgage insurance and default on my loan, wouldn’t that cover the deficiency amount? Max." Here is our answer to Max's Question: Yes, the Mortgage Insurance should pay your lender for any loss. So that reduces the amount that your lender will lose on the short sale. There are a couple of problems. Many Mortgage Insurance Companies have gone bankrupt. They can't...

El Dorado Hills-Folsom Short Sales: How To Get A Short Sale Lender To Waive A Deficiency

said January 9th, 2013 Leave A Comment John Hayes

John Hayes Folsom, CA Real Estate

Folsom CA – The Stop Foreclosure Institute recently received a question from John. Here is John's Question. "I just received a full price offer on my house. My main concern is that I don't get stuck having to pay off the deficiency. I have a first and 2nd with Chase and owe 270K on the home. The buyer's loan is also with Chase. How can I work this out so that I can walk away from this without owing any money? Is...

El Dorado Hills Short Sales: Why Should I Short Sale? It Costs You Nothing

said December 10th, 2012 Leave A Comment John Hayes

John Hayes Folsom, CA Real Estate

El Dorado Hills CA – This is a continuation of a former article about short sales. We often get asked if a short sale is even worth the effort. “Why don’t I just let the bank have the property”, sellers tell us. “I don’t ever think I’ll be able to fix my credit to be able to buy another house.” Short sales are worth the extra effort. They enable you to buy another home much faster than you would have to wait...