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

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Step 5 To Fix Your Credit After A El Dorado Hills Short Sale: How To Mail The Letter

said June 7th, 2013 Leave A Comment John Hayes

John Hayes Folsom, CA Real Estate

El Dorado Hills CA – Once your strongly worded credit report dispute letters are written to each of the three credit reporting companies, then it is time to get it into the hands of their dispute department. The goal is to get your letter read, taken seriously, and responded to. Click here to discover how other sellers successfully did a short sale and avoided foreclosure. **Make sure you make a copy of whatever you are sending to the credit bureaus.** Just keep all...

Step 4 To Fix Your Credit After A El Dorado Hills Short Sale: Write The Credit Bureaus

said June 6th, 2013 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 Short Sale Question: How Can I Buy Another Home Right After A Short Sale?

said May 30th, 2013 Leave A Comment John Hayes

John Hayes Folsom, CA Real Estate

Folsom CA – The biggest advantage a short sale has over a foreclosure is that you can buy your next home much sooner. Under current lending guidelines, you can buy another home in 3 years after a short sale. After a foreclosure you have to wait 5-7 years in most cases. (FHA’s current guidelines state that you can get an FHA loan immediately after a short sale, provided that you never missed a payment. If you were in default at the time...

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...

El Dorado Hills Short Sale Question: My Ex Is Short Selling. What Can I Do To Avoid It Damaging My Credit?

said May 27th, 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 Tom about short sales. Here was Tom’s Question. “My Ex-wife decided to Short Sell our former house. Unfortunately we both signed the mortgage when we bought the house together. I think that means I am still liable for the debt. The court gave her the home in the divorce. The market has declined and the house is worth about 120k less than the mortgage amount. I have a good...

Is My Hardship Legitimate For A El Dorado Hills Short Sale?

said May 27th, 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 Dan. Here was Dan’s Question. "I recently purchased another home and tried to sell my former home. It isn’t selling and I can’t afford to make both payments. The home won’t rent for even 1/2 of the mortgage payment. An agent told me the house is worth about $50K under the mortgage amount. Is it realistic for me to try the short sale? The only hardship created...

Is My Hardship Legitimate For A Folsom Short Sale?

said May 23rd, 2013 Leave A Comment John Hayes

John Hayes Folsom, CA Real Estate

Folsom CA – The Stop Foreclosure Institute recently received a question from Dan. Here was Dan’s Question. "I recently purchased another home and tried to sell my former home. It isn’t selling and I can’t afford to make both payments. The home won’t rent for even 1/2 of the mortgage payment. An agent told me the house is worth about $50K under the mortgage amount. Is it realistic for me to try the short sale? The only hardship created was when...

Questions Buyers Should Ask When Buying A Folsom Short Sale

said May 22nd, 2013 Leave A Comment John Hayes

John Hayes Folsom, CA Real Estate

Folsom CA – Are you looking to buy a short sale? Before you make an offer, you need to check and see how competent the agent handling the short sale is at short sales. This agent will usually be in charge of processing the short sale with the lender. If the agent is a genuine short sale expert and knows what they are doing, then you have a very good chance of the short sale being approved and buying the home....

1149 Grey Fox Ct, Folsom, CA 95630

said May 21st, 2013 Leave A Comment John Hayes

John Hayes Folsom, CA Real Estate

A rare opportunity to own a gorgeous 1 story in The Parkway. Home is on a corner lot that looks out to nature trails. This 3 bed 2 Bath boats new paint throughout, newer tile & carpet as well as hardwood floors. There are Corian counter tops in bathrooms, over 40 recessed lights, an extra window in front room for more light, Granite counter tops/island in kitchen, custom fire place & entertainment center. The sellers father was the builder for...

3493 Montero Rd, Cameron Park, CA 95682 * Sold

said May 15th, 2013 Leave A Comment John Hayes

John Hayes Folsom, CA Real Estate

Beautiful park like setting in this well maintained one level home. Enjoy entertaining in the open floor plan featuring wood floors in family room & kitchen; high ceilings and fireplace. The outdoors with gorgeous trees & landscaping situated on a large corner parcel is great for entertaining on warm summer days. The location of this home is close to the schools so children can walk & within walking distance of the Cameron Park Recreation Center and Swimming Pool. Listing #12073135 $319,500...