Click Here To View All Active Short Sales In Folsom Ca
Inventory In Folsom Ca remains low, we are seeing multiple offer on most homes. Interest rates remain at an all time low. So with this said when you are writing offers on homes make sure you are writing your highest and best offer..also a good tip it is a good time to start writing letters with your offers telling the seller a little about yourself and what you love about their home, and "Yes" you can even do this on REO's. Also make sure you show the seller you are committed to there home. "I.E." EMD in title right away, shorter contingency periods,no seller credits.
Thanks for reading this, John J Hayes.
John J is a Real Estate Agent at RE/MAX Gold.
Phone: 530-306-3316. 3hayes@sbcglobal.net.
"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 Hills California. El Dorado Hills Loan Modification Help, El Dorado Hills Short Sales. El Dorado Hills Short Sale Realtor. Sacramento CA Loan Modification Help, Sacramento CA Short Sales. Sacramento CA Short Sale Realtor. Folsom CA Loan Modification Help, Folsom CA Short Sales. Folsom CA Short Sale Realtor. Mather CA Loan Modification Help, Mather CA Short Sales. Mather CA Short Sale Realtor. El Dorado Hills CA Short Sales. El Dorado Hills Realtor.
Copyright 2011 SFI Marketing Institute, LLC. All Rights Reserved.
Important Notice
John J Hayes, RE/MAX Gold, and the Stop Foreclosure Institute are not affiliated in any way, shape, or form with the government. Our services have not been reviewed or endorse by the government or your lender. Most lenders willingly work with agents on short sales. Why?
Because most short sales are beneficial to a lender. If you accept our offer to help you on a short sale, your lender may not agree to a short sale or to modify your loan. We do offer a loan modification kit.
However, the likelihood of negotiating a modification is like everything else in life. It takes work and persistence to convince your lender to modify your loan. No matter what you or we do, your lender may not approve a loan modification.
We do not recommend that you stop paying your mortgage, because this will cause damage to your credit and could cause you to lose your home. Because we know avoiding foreclosure is so important to any homeowner, we recommend that you speak with the appropriate legal or tax advisor before making any decision.
This is not intended as legal, technical, or tax advice. Please speak with a licensed professional before making any decision. Information is deemed reliable but not guaranteed as of the date of writing.
You have the option to reject a short sale or loan modification from your lender if it does not meet your approval. If you decide not to go thru with the short sale, then you do not have to pay us our fee. We normally make a real estate sales commission for helping you on a short sale.
The views expressed here are John J's personal views and do not reflect the views of RE/MAX Gold.
This information on How A El Dorado Hills Short Sale Could Help You Avoid Owing Money In The Future is provided as a courtesy to our viewers to help them make informed decisions.
Folsom-El Dorado Hills CA – A good short sale agent can help you avoid owing thousands of dollars in the future. Why?
Well, the most banks lose money when they reject a short sale. They turn down a sales price of $200,000. They foreclose on the home and put it up for sale.
However, they are not able to get the price they want. The home ends up selling for $150,000. What does that mean to you?
First, you probably owe them a lot of money. They may have been losing money on the original short sale. But, now they lost another $50,000. They will probably ask you to repay them for their loss.
Many people are shocked to learn that they are stuck owing tens of thousands of dollars to their bank. A short sale can help reduce the amount you owe. I'll explain how.
First, most short sales result in the bank forgiving you on the debt. We have seen banks lose hundreds of thousands of dollars and still forgive the debt.
I estimate that over 80% of short sales result in the homeowner result in the debt being forgiven. Contrast this with a foreclosure. In most cases, the bank can chase you down for the money for 7-20 years.
Here is the second way that a short sale can reduce the amount you owe. Most short sales result in the bank result in reduced losses to the bank. I'm sure you are wondering why.
First off, the home usually sells for more money as a short sale than it would as a foreclosure. We have seen $385,000 short sale offers get turned down, only to result in the home selling after foreclosure for $230,000. That's a huge loss!
Second, a short sale costs the bank less money in property taxes, homeowner's insurance, lost interest income, etc. Overall, the costs are much less. All these costs add up fast. Thinking about a short sale?
I can help you short sale your property and get back on your feet. Send me an e-mail at 3hayes@sbcglobal.net. I will contact you for a free consultation.
When we talk, I will explain how the process works in detail and answer any questions you may have. Or, if you prefer, you can call me at 530-306-3316
Thanks for reading this, John J Hayes.
John J is a Real Estate Agent at RE/MAX Gold.
Phone: 530-306-3316. 3hayes@sbcglobal.net.
"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 Hills California. El Dorado Hills Loan Modification Help, El Dorado Hills Short Sales. El Dorado Hills Short Sale Realtor. Sacramento CA Loan Modification Help, Sacramento CA Short Sales. Sacramento CA Short Sale Realtor. Folsom CA Loan Modification Help, Folsom CA Short Sales. Folsom CA Short Sale Realtor. Mather CA Loan Modification Help, Mather CA Short Sales. Mather CA Short Sale Realtor. El Dorado Hills CA Short Sales. El Dorado Hills Realtor.
Copyright 2011 SFI Marketing Institute, LLC. All Rights Reserved.
Important Notice
John J Hayes, RE/MAX Gold, and the Stop Foreclosure Institute are not affiliated in any way, shape, or form with the government. Our services have not been reviewed or endorse by the government or your lender. Most lenders willingly work with agents on short sales. Why?
Because most short sales are beneficial to a lender. If you accept our offer to help you on a short sale, your lender may not agree to a short sale or to modify your loan. We do offer a loan modification kit.
However, the likelihood of negotiating a modification is like everything else in life. It takes work and persistence to convince your lender to modify your loan. No matter what you or we do, your lender may not approve a loan modification.
We do not recommend that you stop paying your mortgage, because this will cause damage to your credit and could cause you to lose your home. Because we know avoiding foreclosure is so important to any homeowner, we recommend that you speak with the appropriate legal or tax advisor before making any decision.
This is not intended as legal, technical, or tax advice. Please speak with a licensed professional before making any decision. Information is deemed reliable but not guaranteed as of the date of writing.
You have the option to reject a short sale or loan modification from your lender if it does not meet your approval. If you decide not to go thru with the short sale, then you do not have to pay us our fee. We normally make a real estate sales commission for helping you on a short sale.
The views expressed here are John J's personal views and do not reflect the views of RE/MAX Gold.
This information on How A El Dorado Hills Short Sale Could Help You Avoid Owing Money In The Future is provided as a courtesy to our viewers to help them make informed decisions.
Folsom-El Dorado Hills CA – Most people think that when a loan modification fails, then the homeowner who loses their home is the only party that loses. Well, often the bank loses as well. Let me explain why.
Many banks are turning down loan modifications where the payments received would repay a mortgage amount higher than what they sell the property for as a foreclosure.
A bank has two options when negotiating a loan modification.
Option 1: Foreclose and sell the property for $150,000.
Option 2: The homeowner is offering to repay $1,000 a month for the next 30 years. At today's interest rates that will repay a $211,000 mortgage.
In fact, these same banks are spending thousands of dollars advertising to get people to borrow $211,000 and repay them $1,000 a month. But, in most cases they would rather foreclose and kick this homeowner out of their home.
This makes the bank a loser on two counts. First, they are losing money. But, second of all, they are a loser for unnecessarily kicking a family out of their home. Thinking about a short sale?
I can help you short sale your property and get back on your feet. Send me an e-mail at 3hayes@sbcglobal.net. I will contact you for a free consultation.
When we talk, I will explain how the process works in detail and answer any questions you may have. Or, if you prefer, you can call me at 530-306-3316
Thanks for reading this, John J Hayes.
John J is a Real Estate Agent at RE/MAX Gold.
Phone: 530-306-3316. 3hayes@sbcglobal.net.
"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 Hills California. El Dorado Hills Loan Modification Help, El Dorado Hills Short Sales. El Dorado Hills Short Sale Realtor. Sacramento CA Loan Modification Help, Sacramento CA Short Sales. Sacramento CA Short Sale Realtor. Folsom CA Loan Modification Help, Folsom CA Short Sales. Folsom CA Short Sale Realtor. Mather CA Loan Modification Help, Mather CA Short Sales. Mather CA Short Sale Realtor. El Dorado Hills CA Short Sales. El Dorado Hills Realtor.
Copyright 2011 SFI Marketing Institute, LLC. All Rights Reserved.
Important Notice
John J Hayes, RE/MAX Gold, and the Stop Foreclosure Institute are not affiliated in any way, shape, or form with the government. Our services have not been reviewed or endorse by the government or your lender. Most lenders willingly work with agents on short sales. Why?
Because most short sales are beneficial to a lender. If you accept our offer to help you on a short sale, your lender may not agree to a short sale or to modify your loan. We do offer a loan modification kit.
However, the likelihood of negotiating a modification is like everything else in life. It takes work and persistence to convince your lender to modify your loan. No matter what you or we do, your lender may not approve a loan modification.
We do not recommend that you stop paying your mortgage, because this will cause damage to your credit and could cause you to lose your home. Because we know avoiding foreclosure is so important to any homeowner, we recommend that you speak with the appropriate legal or tax advisor before making any decision.
This is not intended as legal, technical, or tax advice. Please speak with a licensed professional before making any decision. Information is deemed reliable but not guaranteed as of the date of writing.
You have the option to reject a short sale or loan modification from your lender if it does not meet your approval. If you decide not to go thru with the short sale, then you do not have to pay us our fee. We normally make a real estate sales commission for helping you on a short sale.
The views expressed here are John J's personal views and do not reflect the views of RE/MAX Gold. This information on El Dorado Hills Short Sales: Who Loses When A Loan Modification Fails? is provided as a courtesy to our viewers to help them make informed decisions.
Mather CA – In 2010, an agent I know talked to the person at Bank of America in charge of the Loss Mitigation Department.
He was the top manager in the department that handles short sales, loan modifications, and foreclosures. He contacted this agent because agents were banding together to educate the public on the mistakes he thought that Bank of America was making.
Today, almost 2 years later, Bank of America is starting to make a few, small changes to the short sale process. This agent recommended small changes to how Bank of America handled the short sale process.
He recommended several changes that would be easy to implement. But, it still took almost 2 years for them to implement those small changes. Why?
We think it was because Bank of America has been in crisis mode since the beginning of 2009. It's hard to make proactive changes when you are putting out fires every day.
Will Bank of America ever recover? Will the ever fix the processes they use to handle loan modifications and short sales?
Well, at the slow rate they are going it will be a while before we see any progress. Thinking about a short sale?
I can help you short sale your property and get back on your feet. Send me an e-mail at 3hayes@sbcglobal.net. I will contact you for a free consultation.
When we talk, I will explain how the process works in detail and answer any questions you may have. Or, if you prefer, you can call me at 530-306-3316
Thanks for reading this, John J Hayes.
John J is a Real Estate Agent at RE/MAX Gold.
Phone: 530-306-3316. 3hayes@sbcglobal.net.
"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 Hills California. El Dorado Hills Loan Modification Help, El Dorado Hills Short Sales. El Dorado Hills Short Sale Realtor. Sacramento CA Loan Modification Help, Sacramento CA Short Sales. Sacramento CA Short Sale Realtor. Folsom CA Loan Modification Help, Folsom CA Short Sales. Folsom CA Short Sale Realtor. Mather CA Loan Modification Help, Mather CA Short Sales. Mather CA Short Sale Realtor. El Dorado Hills CA Short Sales. El Dorado Hills Realtor.
Copyright 2011 SFI Marketing Institute, LLC. All Rights Reserved.
Important Notice
John J Hayes, RE/MAX Gold, and the Stop Foreclosure Institute are not affiliated in any way, shape, or form with the government. Our services have not been reviewed or endorse by the government or your lender. Most lenders willingly work with agents on short sales. Why?
Because most short sales are beneficial to a lender. If you accept our offer to help you on a short sale, your lender may not agree to a short sale or to modify your loan. We do offer a loan modification kit.
However, the likelihood of negotiating a modification is like everything else in life. It takes work and persistence to convince your lender to modify your loan. No matter what you or we do, your lender may not approve a loan modification.
We do not recommend that you stop paying your mortgage, because this will cause damage to your credit and could cause you to lose your home. Because we know avoiding foreclosure is so important to any homeowner, we recommend that you speak with the appropriate legal or tax advisor before making any decision.
This is not intended as legal, technical, or tax advice. Please speak with a licensed professional before making any decision. Information is deemed reliable but not guaranteed as of the date of writing.
You have the option to reject a short sale or loan modification from your lender if it does not meet your approval. If you decide not to go thru with the short sale, then you do not have to pay us our fee. We normally make a real estate sales commission for helping you on a short sale.
The views expressed here are John J's personal views and do not reflect the views of RE/MAX Gold.
This information on El Dorado Hills Short Sales: Bank of America Still Has Huge Problems is provided as a courtesy to our viewers to help them make informed decisions.
Folsom-El Dorado Hills CA – The National Consumer Law Center wrote a White Paper on how banks handle loan modifications, short sales and foreclosures.
They titles their White Paper "Why Servicers Foreclose When They Should Modify and Other Puzzles of Servicer Behavior." Check out the White Paper at this link: http://www.nclc.org/images/pdf/pr-reports/report-servicers-modify.pdf.
The "servicer" they are referring to is a bank that is handling a mortgage for another entity.
As an example, around 80% of all of Bank of America's mortgages are not owned by Bank of America. Instead, they are owned by another entity like Fannie Mae or a hedge fund.
Bank of America is simply handling the accounting, tax filings, and the foreclosure and collections process. The Consumer Law Center thought it was "puzzling" that servicers preferred foreclosure over loan modification.
The reason that the servicers prefer it is because it is less work and they make more money in the process. But, I don't think it is puzzling. Why not?
Because there is almost zero accountability! The owners of these mortgages never check in on the process. They don't know that a servicer denied a short sale offer for $385,000, only to see the property sell for $230,000 as a foreclosure.
Because they are not checking on things Uncle Sam and the owners of these loans are seeing huge, unnecessary losses. Pretty sad, isn't it? Thinking about a short sale?
Thanks for reading this, John J Hayes.
John J is a Real Estate Agent at RE/MAX Gold.
Phone: 530-306-3316. 3hayes@sbcglobal.net.
"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 Hills California. El Dorado Hills Loan Modification Help, El Dorado Hills Short Sales. El Dorado Hills Short Sale Realtor. Sacramento CA Loan Modification Help, Sacramento CA Short Sales. Sacramento CA Short Sale Realtor. Folsom CA Loan Modification Help, Folsom CA Short Sales. Folsom CA Short Sale Realtor. Mather CA Loan Modification Help, Mather CA Short Sales. Mather CA Short Sale Realtor. El Dorado Hills CA Short Sales. El Dorado Hills Realtor.
Copyright 2011 SFI Marketing Institute, LLC. All Rights Reserved.
Important Notice
John J Hayes, RE/MAX Gold, and the Stop Foreclosure Institute are not affiliated in any way, shape, or form with the government. Our services have not been reviewed or endorse by the government or your lender. Most lenders willingly work with agents on short sales. Why?
Because most short sales are beneficial to a lender. If you accept our offer to help you on a short sale, your lender may not agree to a short sale or to modify your loan. We do offer a loan modification kit.
However, the likelihood of negotiating a modification is like everything else in life. It takes work and persistence to convince your lender to modify your loan. No matter what you or we do, your lender may not approve a loan modification.
We do not recommend that you stop paying your mortgage, because this will cause damage to your credit and could cause you to lose your home. Because we know avoiding foreclosure is so important to any homeowner, we recommend that you speak with the appropriate legal or tax advisor before making any decision.
This is not intended as legal, technical, or tax advice. Please speak with a licensed professional before making any decision. Information is deemed reliable but not guaranteed as of the date of writing.
You have the option to reject a short sale or loan modification from your lender if it does not meet your approval. If you decide not to go thru with the short sale, then you do not have to pay us our fee. We normally make a real estate sales commission for helping you on a short sale.
The views expressed here are John J's personal views and do not reflect the views of RE/MAX Gold.
This information on El Dorado Hills Short Sales: Why The Lack of Accountability Has Hurt The Housing Market & US Economy is provided as a courtesy to our viewers to help them make informed decisions.
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Specializing in Short Sales and Foreclosures: Certified Distressed Property Expert "CDPE" http://johnhayesrealestate.com/see-if-you-qualify-for-a-short-sale/ http://www.johnhayesrealestate.com
Hello Everyone..My name is John J. Hayes and I have been in Real Estate for 7 years. I have worked for Coldwell Banker and RE/MAX Gold. I really enjoy helping others, especially buying and/or selling real estate! I am married (Brigitte) and have a beautiful daughter (Katie). I grew up in El Dorado County and reside in Sacramento County. I enjoy golfing and am proud to be a scratch golfer. I love the outdoors, camping, biking, and snowboarding. The best qualities I have are my hard work ethic, dedication, and always being there when my clients and family need me. I treat everyone with the upmost respect and give 100% to my clients and my profession. I am a full time Realtor so I talk pride in educating myself in housing trends and keeping up with the local real estate market.
I look forward to meeting you and helping you with your real estate needs!
SUMMARY OF EXPERIENCE:
RE/MAX Gold Folsom - 2006 to Present
Second highest producing RE/MAX Gold Folsom Agent
Top 10% producer of all area Agents
28th overall producer of all RE/MAX Agents
Over 45 Short Sales sold
Over 50 REO’s Sold
2007 RE/MAX Gold 100% Club
2008 RE/MAX Gold 100% Club
2009 RE/MAX Gold 100% Club
2010 RE/MAX Gold 100% Club
2011 RE/MAX Gold 100% Club
2007 Sold $2,017,000 in inventory
2008 Sold $4,899,000 in inventory
2009 Sold $5,773,000 in inventory
2010 Sold $6,935,800 in inventory
2011 Sold 33 Homes for 7,985,100 In Inventory.
Memberships and Affiliations:
• Certified Distressed Property Expert designation
• Member of the Asian Real Estate Association of America
• Member of the Sacramento Association of Realtors
• 2007, 2008, 2009 and 2010 Masters Club Member
I look forward to the opportunity to work together to help accomplish your real estate dreams!
Areas of Expertise:
Specializing in short sales:
Selling homes:
Listing agent:
REO's
These are some Testimonials from my past clients:
After 2 years of fruitless effort we decided to switch realtor and found John. Within several weeks and a couple of offers we were able to purchase the property we wanted thanks to his vigilance. There were some snags but John was very patient and diligently worked out all the issues without any hint of frustration. He was also very responsive to our requests. In this day and age of Internet where anybody could do the virtual search themselves it's still very important for realtor to personally pre-screen properties to find those matching client criteria, and John had tried to do so as much as possible in order not to waste our time. What we really like about John is that he's not pushy or aggressive, and above all he shows great integrity by keeping his promise. Linh & Toinette
I chose John to help short sale my home because he was not only an expert in short sales but also lived in the Mather area. From the beginning John was very informative about the short sale process and walked me through it step by step. He was always available to talk to and kept me up to date on everything that was occurring. John is a person with a strong work ethic and will never leave you in doubt. John also connected me with a short sale negotiator specialist firm that was just as professional and top notch as he was and worked with the bank on my behalf to make sure my short sale went through.
I had started the short sale process with little hope of success, but once I started working with John I realized a short sale was not only possible but a real possibility. John worked diligently on selling my house, and within the first week of his effort I already had an offer on my home. Within just a couple months my offer was accepted by the bank and my house was sold.
As one of the few that has actually completed a short sale, I can say for certain it's not completely easy: there are many variables and the bank is the biggest factor. But with John leading me through the steps and sticking with me I am amazed at how well this turned out.
Thank you John for making this happen and changing my life. I will always be grateful for what you have done for me.
Sincerely,
Steven
Hi John! John..working with you was great, so great that I have referred quite a few people to you so that you could help them find and purchase their homes. I think one of the best things about you is that your ALWAYS reachable. There were many, many times that I needed to talk to you and you always answered the phone or called back in a matter of minutes. That's really important to me because it shows me that you care and that your not just there for the sale, your with us the entire way through. Buying a home is very stressful at times, dealing with the banks on a foreclosed property and the lenders asking you for proof of everything but your blood type can really drive you nuts. You know your stuff. You give us your advice with an added "trust me" and sure enough you were always right. I would also like to add that you have remained in contact to this day offering your assistance in many different ways. You have a list of people that you have referred us to to help with many misc. repairs for our home (at really low prices), you have even kept us in mind when interest rates have dropped to a lower rate so we can re-fi and lower our payment. Your service doesn't stop with the SOLD sign, you continue to work for us long after the sale and that really means a lot to us. Good luck with everything and we'll keep those referrals coming! Jennifer Hill Elk Grove, CA.
1) John, I just wanted to send you a short e-mail thanking you for all your hard work in helping us with our home purchase. I know we are not easy clients to deal with. You were always available when we needed to get a hold of you or look at houses. I also appreciate your honesty throughout the whole process. You have a gift of making people comfortable. Thank you again and if anyone asks me about real estate I will definitely send them your way. J. Conrad
Alex Perez Hello John, Every person who reads this needs to know what kind of person this individual is; Kind, great person to have around your family, outstanding work ethic, dedicated to achieve optimum results and passionate about his career. John, you will always be highly recommended by me. Good Luck. Well just wanted to say hello to you and your family. Alex 3) Dear
John,
There are a lot of realtors out there who just want a
listing or a commission. You are not one of them.
You took a great deal of time to ensure we were not
just buying any house but buying a home that would
fit us. This professionsl courtesy extended to
helping us obtain the best financing available at
that time. We appreciate all your hard work and
efforts, Thank you Mr & Mrs Sartoris
My wife and I were referred to John by my co-worker when looking for our first home. John is a very knowledgeable realtor, and he answered all of our questions and concerns. After understanding our needs, he did his homework and found our dream home. The home that John found for us was a tremendous deal for the price, and a lot bigger than we had expected! John answers your phone calls in a timely manner, even if you call him everyday like we did. He understands that buying a home is your most important purchase of your life, and he will be there for you the entire process.
Adam & Khontharith Aita
Hi John
To everyone who will be reading this, Mr. Hayes is a caring, honest,
goes the extra mile Realtor.He
really listens to what you want in a house and finds what you want. He
has great patience and is
always there for you through the whole process. I WAS REALLY SCARED
when Mr. Hayes and I found my
home, But he always answered my phone calls and email. I sent many. He
assured me
that I could do this and I did. He is always positive, when you buy a
house you really need that. If
you are looking for a house you should call Mr. Hayes for all the
reasons above and he is really a
diamond in the rough. Thank you Maria Martinez
John,
First and foremost, I would like to thank you for all the hard work put in to my buying a home. It's been a rough roller coaster ride (about 2 years, 3 Real Estate Agents, 4 Lenders). I've seen the market (i.e interest rates/home prices) go up and down. My first home buying experience was enjoyable you were a very helpful and accommodating agent, that most importantly got the job done. As a new home owner, I am glad you were on my side. I would of never of thought about the extras that could be procured in a purchase if one is aggressive as yourself (i.e the 1yr home warranty, paid closing costs, washer/dryer, refrigerator/freezer, etc.). John, my family and I would like to sincerely thank you for your integrity and honesty and diligence. Due to all your work, I, got a 4 bedroom 2 bathroom house at $215,000 with a 5.25% interest rate. Almost unheard of two years ago. Thank you again. Carlos
John Hayes served as our Real Estate Agent through the purchase of our new home. We ran into him through a Craig's List add for one of his properties and he lined up properties for us to look at. We got to know him and he got to know our family and our needs, and was able to find us an absolutely fantastic deal with a brand new home. He went the extra mile that other agents did not.
John was always available to us throughout the buying process to answer questions or help things get moving along, if need be. I could not have asked for a better Real Estate Agent. He was concerned about our needs and what would work for our family. I would highly recommend John to anyone looking to buy or sell a home.
Sincerely,
Theresa
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