Hayes Realty Group

John J Hayes Always stay on "PAR" with your real estate needs Serving Sacramento, Folsom, El Dorado Hills, El Dorado County      Saturday October 21st, 2017

Contact John 530-306-3316

5730 Gelston Way, El Dorado Hills, CA 95762 OPEN HOUSE 1/12/2014 1-4PM

said January 12th, 2014 Leave A Comment John Hayes

John Hayes Folsom, CA Real Estate

Just Simply Amazing Single Story Home In Serrano. This Newly Remodeled Home Has A Lot To Offer. 3/4 Beds..2.5 Baths..2457 Sqft.. Single Story..Corner Lot..Newly Refinished Cabinets..Stainless Steel Appliances..Granite Counters..Hardwood Floors..Large Pool With Water Fall..Stamped Colored Concrete..Come See For yourself! Listing #13067717 $530,000 (LP) Beds: 3-4* Baths: 3 (2 1) (FH)* Sq Ft: 2457* Lot Sz: 0.2860ac* Yr: 2005 Read More

Folsom-El Dorado Hills Short Sales: Even The Rich Are Being Foreclosed

said January 10th, 2014 Leave A Comment John Hayes

John Hayes Folsom, CA Real Estate

Folsom-El Dorado Hills CA – This is good news or bad news, depending on how you look at it. Here is the good news. If you are a little guy having financial problems, then you are not alone. Even Billionaires are being foreclosed on. One billionaire real estate developer in Florida had several projects foreclosed on. Another very well known real estate developer is having to re-negotiate mortgages on his investment properties. Even a woman who was married to a man who was...Read More

El Dorado Hills Short Sales: Why Do Some People Worship Perfect Credit?

said January 9th, 2014 Leave A Comment John Hayes

El Dorado Hills CA – It always amazes me how some people will do anything to have perfect credit. They would rather go hungry than risk harming their prefect credit rating. A good example is a guy I will call Seth. Seth has perfect credit. He has worked to keep perfect credit for the last 12 years. Seth has a several credit cards with high balances. He ran the balances up when the economy was strong. Today, he can barely afford to make...Read More

Why Lenders Back Off When Threatened With Bankruptcy

said January 9th, 2014 Leave A Comment John Hayes

El Dorado Hills CA – Bankruptcy is one of the scariest words a lender can hear. A bankruptcy filing can stall their ability to foreclose by 6 months, and sometimes as long as a year. The lenders know that most bankruptcies will cause them to lose the ability to pursue you for any losses. This means they can’t go after you for any upside down debt. The only thing a lender gets in a Chapter 7 Bankruptcy is any collateral they have...Read More

How To Preserve Your Credit During A Folsom- El Dorado Hills Short Sale

said January 6th, 2014 Leave A Comment John Hayes

olsom-El Dorado Hills CA – If the right decision for you and your family is to sell the house as a short sale, then the sale will have an immediate effect on your credit score. You might feel like it’s just overwhelming and demoralizing to see your credit score take any more hits! But, here’s the silver lining: according to most experts, 78% of Americans have ERRORS on their credit score. Why is that a silver lining? If you have negative errors...Read More

El Dorado Hills Short Sales: Four Specific Examples of Big Bank Negligence

said December 20th, 2013 Leave A Comment John Hayes

John Hayes Folsom, CA Real Estate

El Dorado Hills CA – Here are four specific examples of big bank’s negligence causing a loan owner to lose money. Example #1: Not giving buyers an answer on a short sale within one week. Home buyers don’t like to wait 3-6 months for an answer on a short sale. This fact causes many buyers to shy away from short sales, thereby causing short sales to sell for less. Lenders should help the loan owners recoup as much money as possible from...Read More

How To Preserve Your Credit During A Folsom- El Dorado Hills Short Sale

said December 17th, 2013 Leave A Comment John Hayes

Foldom-El Dorado Hills CA – If the right decision for you and your family is to sell the house as a short sale, then the sale will have an immediate effect on your credit score. You might feel like it’s just overwhelming and demoralizing to see your credit score take any more hits! But, here’s the silver lining: according to most experts, 78% of Americans have ERRORS on their credit score. Why is that a silver lining? If you have negative errors...Read More

Fosom-El Dorado Hills Short Sales: The Wait To Buy Another Home After A Short Sale Was Recently Changed to 3 Years

said December 15th, 2013 Leave A Comment John Hayes

Folsom-El Dorado Hills CA – The Stop Foreclosure Institute recently received a question from Christina. Here is her question. "I just read your article Frequently Asked Questions about Short Sales. You mention that you can obtain another home loan two years after a short sale. Who are these lenders and how can I contact them? I have been looking but so far no luck. Everyone is insisting we must wait three years. I'd appreciate any information you can provide. Christina." We...Read More

A Common El Dorado Hills Short Sale Myth: Banks Can’t Write Off Too Much Loss At Once

said December 15th, 2013 Leave A Comment John Hayes

John Hayes Folsom, CA Real Estate

El Dorado Hills CA – We at the Stop Foreclosure Institute receive emails all the time that go something like this "The Bank’s Short Sale Problems are not that simple. A bank can't afford to write off too much loss at once. Also, their investors may not approve the short sale, because they can't afford to write off too much loss at once either. And the circle goes on. Thank you, Amy Here is why this flawed assumption is...Read More

El Dorado Hills Short Sales: My home is in foreclosure. How soon will the bank kick me out?

said December 15th, 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 another realtor named Sandy. Here is her question. “An agent in my office currently has a listing under contract. It is a short sale, the sad thing is that Large National Bank (to remain unnamed) notified the sellers that they had foreclosed a month ago. Fact is, they had not foreclosed. The employee didn’t know what they were talking about. Valuable time and a buyer were lost...Read More