Archive for September, 2011

This Month In Real Estate

Authored by Forth Hoyt | Discussion: No Comments »

Forth Hoyt’s Service For Life September Newsletter

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Forth Hoyt’s…
Service For Life! ®
Insider Tips for Healthy, Wealthy and Happy Living
Inside This Issue…
  • Focus In On Eye Health…
  • Prepare Yourself To Ace Your Next Job Interview…
  • Fun Facts and Laughs: Funny Words Of Wisdom,
    Best Pets If You’re Allergic, And More…
  • Trivia Challenge: Win Free Movie Tickets For Two
  • Real Estate Q&A: What Are Common Loan Modificatin Mistakes?
If you’re not already a subscriber to my free e-newsletter email me to sign-up
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Forth Hoyt CRS, Dave Ramsey ELP, CDPE, PFC, Certified HAFA Specialist,
RDCPro,
A-REO, SFR, SRES, e-PRO, Master’s Club Life Member

Phone: 916-316-3810
Email: [email protected]
www.sachomesearch.net

Dear Friend;

Do you know the best questions to ask at a job interview? The key to a great interview is preparation and in today’s Service For Life! Free consumer newsletter you’ll get tips for answering job interview questions along with 3 smart questions to ask any employer.The key to a great job interview is preparation.

You’ll also learn about eye health and the importance of regular check-ups, how to spot a counterfeit check and what weeds in your yard are actually edible – plus funny jokes, trivia, and lots more.

To health, success and laughter in your life!

Forth Hoyt CRS, Dave Ramsey ELP,
CDPE, PFC, Certified HAFA Specialist,
RDCPro,
A-REO, SFR, SRES, e-PRO,
Master’s Club
Life Member

PS.  If you’re considering selling your home soon, and you’d like important tips and strategies for getting a fast, top dollar sale, you should read one of my latest blog posts Secrets For Selling Your Home For Top Dollar. To get your copy, send me an email at [email protected], or call me at: 916-316-3810

Today’s Brain Teaser . . .

What do asphalt, crayons, and deodorant have in common?

(answer below)

Focus In On Eye Health . . .

Millions of people have undetected vision problems, and you or your family members may be among them. These simple steps will help you understand and protect your eyes:

Schedule a comprehensive dilated eye exam every one or two years, even if you think your vision is fine. Have your children’s eyes checked at regular intervals. If your child has headaches or difficulty at school, it might be due to a vision problem. Amblyopia, or lazy eye, is the most common cause of eye impairment in childhood.

Another reason to go? Studies show that eye doctors may be the first to detect serious conditions such as high blood pressure, high cholesterol and diabetes because they look directly at the eyes’ blood vessels.

Eat these eye “super foods”: spinach, salmon, walnuts, berries, orange bell peppers, broccoli, soy, eggs, avocados and (yes) carrots. They contain valuable nutrients such as vitamins A, C and E, beta carotene and zinc as well as lutein and zeaxanthin. Eating them will help prevent aged-related macular degeneration (which causes blurred vision and blind spots).

Learn your family’s eye-health history. People with a family history of some eye diseases, such as glaucoma and cataracts, are at increased risk of developing them. Talk with your eye doctor to confirm diagnosis.

Reduce eye strain. To avoid computer vision syndrome (headaches, dry and tired eyes), use the 20-20-20 rule: Every 20 minutes, look away 20 feet in front of you for 20 seconds.

Wear protective goggles when handling power tools or chemicals. Did you know half of all eye injuries happen as a result of doing regular household chores? Buy safety goggles at any hardware store and use them.

Wear sunglasses, even when it’s hazy. Look for shades that block out 99 to 100 percent of both UV-A and UV-B radiation – and they make you look cool!

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Who do you know that may have questions about their options, the different government and lender programs available and “best practices and success strategies?” Order my brand new 27 page report:
Your Guide to A Successful Loan Modification:
Getting Your Lender  to Say “Yes”
Its been four years since the housing storm began; we’ve learned how to do it…
Call or emails me- I will send this report to you and you can pass it along to anyone you know who might be looking for answers…
[email protected] or 916-316-3810
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Prepare Yourself To Ace
Your Next Job Interview. . .

The key to a great job interview is preparation. Here are four essential tips to set yourself apart from the rest…

Plan ahead for these questions:

  • Tell me about yourself.
    Talk about specific skills and accomplishments but be concise. If you think you’re talking too much, you probably are. Save some of the examples for later in the interview.
  • Why should I hire you?
    Learn everything you can about the company and specifically what you can contribute to it.
  • Why did you leave your last job?
    Interviewers want to see if you’ll badmouth your employer. Put a positive spin (e.g. no room for promotion) on the reason.
  • What is your biggest weakness?
    No one is perfect. Cite a weakness (pick one that wouldn’t be a requirement in this job) and what you’re doing about it. (“I wasn’t proficient at spread sheets so I took a course in Excel.”) Don’t disguise a strength (“I like to work too hard.”) as a weakness. The interviewer has heard that one before.
  • Where do you see yourself in five years?
    Talk about moving up in their company.

Think of it as a conversation, not a Q&A session. You want to know if the job is right for you as much as the interviewer wants to know if you’re a good fit. Don’t waste time on chit-chat (or immediately bring up salary).

Be ready when they ask if you have questions. For example:

  1. How long has this position existed and how long has it been open?
  2. What are the most important responsibilities of the job and how would you measure my success in accomplishing them?
  3. What projects would I immediately be taking on?

Close by telling them that you want the position (if that’s true). It removes any doubts and leaves a positive impression.

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Thank you, thank you, thank you!!

Meet my newest clients! And let me extend a huge thank you to the great people who sent them to us at The Hoyt Group!

Bryan and Kristin Johnson, Nikki and Sam Ellison, Matt and Jennifer Fawver,  David and Arlene Trathen, Gerald and Jo Tadlock, Debbie Wasserman, Joyce Simpson, Tony and Jill Nolan, Buce Lamaster, Frank and Virginia Wilson, John Brophy, Rene and Tanya Morales, Mary Mahoney and hohn Post, Linda Bennet, Hai and Linh Luc, Mark and Cindy Rivera, Kate Steele, Tim and Sheila Brown

Fun Facts and Laughs . . .

Funny Words Of Wisdom . . .

  • A bank is a place that will lend you money if you can prove that you don’t need it.
  • You never really learn to swear until you learn to drive.
  • Having one child makes you a parent; having two makes you a referee.
  • Sure I can keep secrets. It’s the people I tell them to who can’t.

Best Pets If You’re Allergic . . .

There are no totally hypoallergenic pets, but these are the best choices if you have allergies:

  • Portuguese Water Dog
  • Sphynx cat (hairless)
  • Kerry Blue Terrier
  • Standard Poodle
  • Bichon Frise
  • American Labradoodle
  • Goldfish

Want A Good Laugh? . . .

Check out the real photos at: www.awkwardfamilyphotos.com

You may want to submit your own!

Have A Real Estate Or Home-Ownership Question You Want Answered?

Maybe you want to know how much your home is worth. Or maybe you just need a recommendation for a handyman, carpet cleaner or plumber…

Either way, I love hearing from all of my good friends and clients. And I’m always looking to answer pressing questions you might have about anything relating to real estate or home-ownership. If you have a question, tip or idea, please feel free to call me at: 916-316-3810 or email me by clicking here. I’m here to help!

Trivia Challenge for the Month…
“Who Else Wants To Win Movie
Tickets For Two?”

What was the first animated feature film created solely with Computer Generated Imagery (CGI)?

a. The Polar Express

b. Tron

c. A Bug’s Life

d. Toy Story

EMAIL ME AT: [email protected] OR Call Me At 916-316-3810 And You Could Be One Of My Next Winners!

Brain Teaser Answer:

They are made from petroleum.

Thanks For Thinking of Me!

Did you know I can help you or any of your friends or family save time and money when buying or selling a home? Thanks for keeping me in mind with your referrals…and spreading the word about my services.

Real Estate Q & A . . .
Q.  What are the most common home-buying mistakes?
A. First, you should work with a REALTOR®, a professional who will guide you through the process and help you avoid these pitfalls:

Not knowing how much house you can afford. Mortgage calculators are available online. Be sure to factor in such items as property taxes, maintenance and insurance.

Not shopping for loan options. You need to know your credit score, get pre-qualified and pre-approved.

Not including mortgage financing and professional inspection contingencies in the contract. The mortgage financing clause saves you if the home doesn’t appraise for the offered price; the inspection clause allows you to negotiate (or cancel the deal) if an inspector finds problems.

Falling in love with a house without considering all the facts, such as structural flaws, location, neighborhood and potential for resale.

THANK YOU… for reading my Service For Life!® personal newsletter.  I wanted to produce a newsletter that has great content and is fun and valuable to you.  Help your friends get more out of life by forwarding this email to them…
Share this issue with family and friends --- Forward To A Friend
You received this email because you requested it, are on the mailing list as {EMAIL_ADDRESS}, or a friend forwarded it to you.

Disclaimer:  The information contained in this email is intended for informational purposes.  It should not substitute as legal, accounting, investment, medical and other professional services advice.  Always seek a competent professional for answers to your specific questions. This email is not intended to solicit real estate properties currently for sale.

Copyright (c) 2011 by Forte Communications, Inc.

Authored by Forth Hoyt | Discussion: No Comments »

Fast Fixes- To Make Buyers Instantly Attracted To Your Home…

Money Making Fix-ups

Money Making Fix-ups

Here’s A Quick And Easy Checklist Of Inexpensive Ways To Fix-up and Make Buyers Instantly Attracted To Your Home…

The Way You Live In A Home And The Way You Sell A Home Are TWO Very Different Things!

Dear Homeowner,

Each year thousands of homeowners unnecessarily lose money when they sell their homes.  They don’t lose money because someone took advantage of them.  And they don’t lose money because it wasn’t “marketed” well.

Even Seasoned Homeowners Lose Thousands of Dollars

Because They Didn’t Know About The Important Factors

That Influence The Value Of Their Homes

If you desire to sell your home for top dollar, and in your time frame, you need to do two things:  1) Get control of your personal emotions about your home, and 2)  Place yourself in the shoes of potential buyers.  Look at your home the way they would, and make it appealing in the right areas.

I know that putting your “homeowner emotions” aside may be tough to do.  But doing so will help you to position your home to sell for top dollar, and in your time frame.

After all, selling your home is very different from any other financial transaction.  Your house isn’t just a “thing.”  It’s your HOME!

It’s the place where you raised your children.  The place where you hold countless family memories…Thanksgiving dinners, family reunions, birthdays, anniversaries and more.  It’s the place where you solved problems over the kitchen table late at night.

So it’s no surprise that selling your home may involve a bit of sadness, fear…or even excitement for the next move in your life.

Try not to let these emotions get in the way of a prudent sale.  The tips and suggestions in this report will help.

Here Are Six Problems Your Home May Have

That Can Instantly Turn Buyers Off

Potential buyers are much more likely to return to a home that impresses them at first glance, while homes that appear disorderly or poorly maintained seldom sustain buyer interest.

  1. 1. Home Odors. Because homeowners become desensitized to the odors in their homes, they rarely realize how obvious odors can be to visitors.  This is particularly true of pet owners and smokers.
  1. 2. Carpet and Flooring. One of the most visible areas of your home is your flooring.  If your carpet is worn or dirty, get it replaced or cleaned.  If you have vinyl flooring with corners coming up, get it glued down.  Special note:  Replacing flooring in smaller areas, such as kitchens, with high quality flooring can bring in premiums in price.
  1. 3. Paint and Walls. Paint is one of the least expensive ways to “spruce-up” your home.  Consider painting outside trim and interior walls and doors.
  1. 4. Clutter.  Excess clutter is a big buyer turn-off.  You have to move anyway, so you might as well pack away items that make your home feel good to you, but turn off buyers.  This includes nick-knacks, furniture, pictures, wall hangings, plants, etc.
  1. 5. Signs of Pests. If you have any sign of mice, rats, roaches, spiders, or bees, you should immediately contact a local pest control company and have them eliminated.  There’s no better way to show your home is filthy than by infestations.  Remove all spider webs with a broom.
  1. 6. Landscaping.  If your landscaping is messy, overgrown, or looks cluttered in any way, you need to fix it.  Buyers make positive or negative conclusions about your home within the first five minutes.  Don’t lose the battle before you’ve even begun.

There’s no doubt about it: first impressions count with buyers.  That’s why I prepared this 44 fail-proof list of simple, quick, and inexpensive things you can do to prepare your home for sale.

I divided them into three categories:  1) Exterior of home, 2) Interior of home, and 3) How to show your home for maximum profit.

Exterior Of Your Home

Overall, buyers are looking for a home that looks clean, neat, and well-maintained.  By addressing exterior issues, you immediately give your buyers a positive “first impression.”

Here are 13 first impression items to examine:

Tip #1: Get into your car and drive away from your home.  Drive towards your home the way a potential buyer would.  Notice your first impressions of your home. Is the landscaping well groomed?  How about the driveway and curb?  Can you easily see the architecture of the home, or is it blocked by trees and bushes.  Notice your roof.  Is it in good condition?  Make a list of items that need attention.

Tip #2: Paint your front door and mailbox.  Polish your door and entry hardware.

Tip #3: Make sure your doorbell is functional.

Tip #4: Wash or thoroughly clean wood, aluminum, and vinyl sided homes.  You can hire a contractor to pressure wash an entire house for about $200.  Pressure washing can remove dirt, grime, peeling paint, and mildew.

Tip #5: Rake leaves, trim shrubbery and trees, cut the lawn, and plant a few new, fresh flowers.  Put down fresh mulch or peat moss around shrubs and flower beds.

Tip #6: Sweep and hose off the walkways and driveways.  Pressure wash if necessary.

Tip #7: Clean the gutters and extend downspouts to prevent flooding or basement water seepage.

Tip #8: Organize the garage.  Get rid of clutter by either putting it in boxes, or pack ahead of time and rent a storage locker for your garage belongings.  Make sure you wash your car.

Tip #9: Check the locks of your home at both the entry, back entry, and garage.  Locks can give a first impression of a home that needs maintenance.  And they’re the first thing a buyer sees.  A small dab of graphite will make them work like new.

Tip #10: Clean oil stains from your driveway and garage.  This is best achieved by using poultice with Portland cement.  Scrub with a detergent and rinse.  Clean rust stains beneath rails with the commercial product, Zud.

Tip #11: Clean up any litter in the yard or walkways.  Remove any leaves or debris in the yard or walkways.

Tip #12: Touch-up the paint on the exterior of the home if necessary.  In some cases, it pays to repaint the entire exterior if it hasn’t received a coat of paint in years.  Hardwood trim on the exterior of the home can make or break its appearance.  Make sure it looks clean.

Tip #13: Look for any cracks in exterior plaster, and make sure they’re fixed and repainted to match exterior paint.

Interior Of Your Home

There’s a little known secret about home buyers that you need to know.  People buy homes based on the emotional FEELINGS they get from the home.  They fall in love, for example, with the kitchen or the master bedroom.  Or perhaps the roaring fire in the family room fireplace touched off an old memory.

And while they’re viewing your home, they’re visualizing in their mind’s eye what it would be like to live there – the backyard barbecues they’ll host…Sunday dinners with family…college graduation celebrations of their children.  Or simply relaxing in the backyard hammock.

It’s all about emotions.  And if your home doesn’t feel right, you will quickly lose interest from buyers.

So remember this: Purchase decisions are EMOTIONAL.  Once a decision to buy is made, we usually justify our purchase with logical reasons.

By dressing the interior of your home right, you’ll encourage your buyers to stay.  People buy with their eyes, ears and noses, and the longer they stay in your home, the greater the likelihood of an offer.

Here are 18 interior tips to help you “dress” the interior of your house so it feels like home to your buyers.

Tip #14: The entry way sets first impressions.  So make sure it’s in great condition with fresh paint and clean floors.  If the entry tile floor has build-up, consider using a commercial stripper and re-waxing.

Tip #15: Clear out about one-third to one-half of your furniture.  You want your home to look uncluttered, and the rooms to feel open and bright.  The average home has too much furniture for showing, and you need to move anyhow.  So you might as well pack away any furniture that clutters any rooms in the home.

Tip #16: Put away nick-knacks and items that make the home look overly personal to YOU.  You do not want your buyer feeling that they would never fit in the home because it has so many of your personal items in it.  Put away cluttered photos and other objects that will detract away from the home.

Tip #17: Do a thorough interior maintenance review.  Oil squeaky doors, tighten doorknobs, clean and repair ALL windows, and repair leaking taps and toilets.  Look for chipped paint and cracked plaster or drywall that needs repairing.

Tip #18: It is a good idea to have all windows professionally washed.  And clean all window shades and blinds.

Tip #19: Replace all burned-out light bulbs and clean lighting fixtures.

Tip #20: GIVE YOUR HOME A SPACIOUS LOOK.  If you’ve ever toured a model home, you’ve noticed that the home is spacious and bright.  Make your home look the same by: 1) Clear out stairs and halls of clutter and excess furniture, 2) Clear counters in the kitchen and bathrooms, and 3) Make closets and storage areas neat and tidy.

Tip #21: Make sure your home is clean by doing the following:  1) Shampoo carpets, 2) Clean washer, dryer, and laundry tubs, 3) Clean the furnace, 4) Clean the refrigerator and stove, 5) Clean and freshen the bathrooms.  Hire a professional cleaning service if needed.  The money you spend on these areas will come back to you in purchase price.

Tip #22: Wax or polish floors, and glue down any seems if you have vinyl flooring.

Tip #23: Make sure windows and doors operate properly and lubricate closet door tracks with a silicon spray.

Tip #24:  Glue loose wallpaper seams and remove soiled wallpaper.

Tip #25: Clean around fireplaces and remove ashes.

Tip #26: Organize all closets, pack up unnecessary items for storage, and put all toys away.

Tip #27:  Make sure all beds are made, bedrooms are neat and clean, and laundry is clean and folded.

Tip #28:  Consider holding a yard sale BEFORE you place your home on the market to get rid of excess items that can make your home look cluttered or small.

Bathrooms and kitchen are some of the most influential areas of a home.  Spending a small amount of money in these areas frequently nets owners many times their investment.  Here are a few suggestions for each.

Tip #29:  Your Bathrooms.  Repair loose tiles.  Remove loose grout using a grout file, and apply new grout.  Faded tile colors can be improved using an epoxy spray.  Remove old tub and tile caulking with a hooked scraper, install new white silicone tub, and tile caulk.  Concentrate on areas such as counter corners, shower corners, and base of toilet.  Clean mildewed caulk by spraying Tilex, or use diluted chlorine bleach and let stand for at least 30 minutes before rinsing.  Old tubs can often be sprayed with an epoxy coating.  Remove all soap scum and dirt build-ups.  Again, diluted chlorine bleach will help here.  Clean glass doors with vinegar, and replace badly soiled shower curtains.  Don’t forget to vacuum exhaust fans.

Tip #30:  Your Kitchen.  Clean ovens thoroughly.  Clean cook tops and exhaust fans.  Remember to clean behind your appliances.  Double-check all burners to make sure they’re working.  Defrost freezers, and thoroughly clean the interior of your refrigerator.  Remove mold from refrigerator gaskets.  Empty the water collection tray under the refrigerator.  Neatly arrange soaps and cleaning accessories.  Thoroughly wash fronts of cabinets using Murphy’s Oil Soap or Pine Sol.  Cover counter burns with ceramic tile or heat resistant glass.  Make sure all handles are securely in place.  Install new shelf and drawer liners.

Tip # 31: Save your receipts.  If you need to make substantial repairs to your home, save the receipts in a manila envelope.  This will show what has been updated in the home.

How To Show Your Home For Maximum Profit

There’s a right way to show a home…and a wrong way.  Many homeowners lose money, or turn-off buyers because they simply didn’t know how to handle a home showing.  Here are 13 tips that will help you show your home for maximum profit:

Tip #32:  Save those receipts.  If you completed any substantial work on your home, save the receipts and ONLY take them out if someone questions the value of the work performed (in the negotiating process).  Many times extra work will increase the value of your home beyond your costs.  So only use the receipts if you need support to justify the work.

Tip #33: Save those utility bills.  Buyers frequently have questions about utility costs of owning a home.  If you have past utility bills, you will greatly increase your credibility and help provide precise answers to important questions.  Save electric, gas, water, oil, sewage, and waste management bills.

Tip #34:  Go away during organized showings.  Three’s a crowd when your home is being shown.  The only exception to this rule is if you have specific knowledge about features of the home a Realtor cannot answer.  But in most cases, don’t stay.

Tip #35:  Turn on ALL lights.  Illumination is like a welcome sign.

q  Tip #36: Open all drapery and bring in as much natural light as possible.  Buyers hate dark homes.  Anything you can do to brighten your home will help.

Tip #37:  Turn off any radios and TV’s.  Turn off the football game.  Tell the kids that the loud music will need a reprieve while the home is being shown.  Occasionally very soft, background music can enhance a showing.  But generally, no music at all is your best bet.

Tip #38: Plan a pleasant aroma.  Cinnamon sticks or vanilla boiled in a pot of water on the stove emit pleasant aromas and make a home smell inviting.  Apple and cherry wood smoldering in a fireplace do the same.  And who can resist the smell of apple pie or fresh bread baking in the kitchen.  Often, these pleasant smells can override other odors your home may have.

Tip #39: Keep pets out of the home during showings.  It’s best to keep them out of the home for an entire day before an open house.

Tip #40:  Do NOT volunteer conversation.  Be courteous but don’t force conversation with a potential buyer.  They want to inspect your home, not make a social call.

Tip #41:  Stay positive:  Never apologize for the appearance of your home.  Let the showing Realtor answer any objections – they’re trained to know how.

Tip #42:  DO NOT Tag Along.  It makes buyers fearful and uncomfortable.  The showing Realtor knows the buyer’s requirements and can better emphasize the features of your home.  They will call you if needed.

Tip #43:  Never negotiate during a showing.  Let your Realtor discuss price, terms, possessions, and other items with any potential buyers.  If any negotiations arise prior to an offer, politely request the buyer to submit an offer and you can consider it.

Tip #44:  Protect  Your Largest Investment By

Getting REALTOR® Representation

Do you remember the old riddle that goes, “What do you call the person who graduated dead-last in their medical school class?”

Answer: “DOCTOR!”

Well, it’s the same with real estate agents.  Someone with vast experience and extraordinary professionalism usually costs the same as someone with little or no experience, or with compromising standards.  You need to know how to tell the difference up front.

Choosing a competent and experienced realtor can mean the difference between a higher negotiated sales price and losing money, selling in less time or in more time (costing you potentially $1,000’s in added interest), and experiencing problems and hassles or a problem-free transaction.

Our community is loaded with agents who are wrong for you, your area, and your home.  Some agents are in business part time for a little extra cash.  Others are subsidizing other businesses or careers.  And then there’s your “cousin Harry,” whom you feel obligated to because he “really needs your business.”

Selling your home is probably the most important financial transaction you will ever make. That’s why I take my business so seriously.  It’s also why I have developed customized home marketing programs meant specifically for your situation.

WHY ME?

Here’s why you should consider my services to market your home:

I’m not telling you these things to impress you, but to impress UPON YOU the difference between agents who simply “sell” real estate, and those who commit to whatever it takes to serve a client beyond their expectations!

On the surface, it may seem there are many Realtors from which to choose.  But just because there are many Realtors out there doesn’t mean they can all do the same job for you.

Real Estate Agents Are NOT All The Same!

By simply calling my  number at 916-316-3810, I’ll share with you my exclusive “Maximum Home Value Audit.” Here’s what you’ll get, absolutely FREE and without obligation whatsoever:

And you won’t get anything like “I have a buyer right now who’s interested in your specific home, and if you list with me, I’ll bring him by right now.

With me, you’ll get NO pressure.  No arm twisting.  Just a real world, honest, fact-filled analysis.

But Please Don’t Wait!

You’ll notice I placed an expiration date for your Free Home Inspection on the attached coupon.  I did this for a very good reason.  I enjoy working with clients, and sometimes my practice gets booked up fast.  In order to make sure I have undivided time for you, I need to hear from you immediately so there are no conflicts in scheduling our meeting.

Plus, I know there’s a natural tendency to procrastinate—to put off important decisions.  But the more you procrastinate, the more pressure ultimately rests with you.

By Not Acting Now, You Could Open Yourself To

Losing Thousands Of Dollars

So call now at 916-316-3810, and I’ll immediately arrange a convenient time to meet, and share with you my Maximum Home Value Audit.  It’s Free.  It’s FAST.  And it could save you $1,000’s on your home sale.

Order you Free Printable Copy of this Very Report Here!

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Natomas Loan Modifications- How To Modify Your Loan

Cuccessful Loan Modifications are difficult

Cuccessful Loan Modifications are difficult

What is your successful Natomas loan modification going to look like?

Loan modification, the systematic alteration of contractual mortgage loan agreements, has been around in the United States for over 70 years.  During the Great Depression many loan mod programs were sponsored and executed at the state level in an effort to reduce levels of loan foreclosures.

Natomas Foreclosure Options Expert, Certified Foreclosure And Short Sale Specialist and Successful Short Sale Agent Forth Hoyt Provides Information on Successfully Negotiating a Loan Modification With your Bank…  and gives access to a free report entitled “Your Guide To A Successful Loan Mod”

It uncovers the truth about loan mod’s: only a modification that provides a long term, sustainable solution can be considered a success…


Here is just a part of Section One:

You, Your Family and your Mortgage

Begin With The End In Mind
What is your goal? What’s the target? What exactly do you want/need in order for you to make it? Know your outcome! 

What is your successful loan modification going to look like?

Take a hard, realistic look at your situation and ask yourself  what changes your bank would need to make in order for you to manage your payment. Keep in mind that if you can get the changes you need in the form of an affordable payment, the duration of the payment adjustment must provide you enough time to get back on firm financial footing. Otherwise, you will be right back in a bad situation before you know it. So you must have a goal: what changes do you need and how long do you need them? What Will your Secessful Loan Mod Look Like? How Will You Know If Your Loan Mod Is A Success?

Win-Win or No Deal
These decisions and clearly defined expectations of your outcome are not easy to make, but they are necessary. By knowing the minimum modification, the minimum amount of time you will settle for, you can move forward knowing that anything less is a waste of time. When you what you want and need you are on your way towards recovery. Just remember, treat it like a business decision. Be realistic, know what you need, and don’t settle for a solution that is not really a solution.

You are NOT the Villain Here
American families are facing more economic difficulty than at any time in the past 70 years. Not since the Great Depression have there been so many families facing serious many financial obstacles.

A large part of the problem was brought on by the financial market excesses of the first six years of the 21st century (2001 thru 2006). Real estate values reached dizzying levels, leading American Families to feel intoxicated by the “wealth effect.” And, everyone wanted in. As prices went up, the mortgage industry came up with new and creative loan programs that made it possible to buy homes that people really couldn’t afford. Make no mistake, these programs were not designed for the common good, these creative loan products were not driven by the desire to increase homeownership for the benefit of society. No, the loans were originated, packaged, sold, chopped up, repackaged and sold again with one thing in mind — quick and substantial profit.

It’s true, many American families may have made choices that were not as responsible as they should have been.  However if the go-go loans had never been created and the call centers and telemarketers pushing the toxic loans never existed, most of those same American families would have continued to live within their means. But instead, the entire mortgage, real estate and banking and investing industries pushed these programs: from loan officers, appraisers, real estate agents and brokers, mortgage bankers, underwriters, Wall Street entrepreneurs and many others all played their parts.

Much of the mortgage mess we are dealing with now is a direct result of a mortgage industry that during those first several years of this century to completely abdicated their responsibility to verify a borrower’s ability to pay when making a mortgage loan.

Need how to loan mod How-To’s?Looking for someone to give you the how to loan mod step-by-step? Continue reading or order your Loan Modification How To’s Here: Guide to A Successful Loan Mod

More Questions on your Particular Situation?

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Or find out here about New Government Foreclosure Prevention Program Eligibility- Which Programs Do You Qualify For?

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West Sacramento Certified HAFA Specialist Answers HAFA Questions

Certified HAFA Specialist Designation
Certified HAFA Specialists Are Trained To Close Your HAFA Short Sale in West Sacramento
Certified HAFA Specialist Forth Hoyt Explains HAFA Benefits
Certified HAFA Specialist Specializing in West Sacramento

What are the HAFA Benefits? Can I Do A HAFA Short Sale?

West Sacramento has become a Short Sale Hotbed… HAFA is making Short Sales Easier!

West Sacramento HAFA Certified Short Sale Specialist and Expert HAFA Short Sale Negotiator Forth Hoyt Explains The Benefits Of HAFA.

A moving, evolving and improving system; HAFA is definitely getting better and better, moving towards becoming the solution it was supposed to be when it was first rolled out.

You see, the HAFA Government Short Sale Program was created in the wake of a Failing HAMP loan modification program that is only providing less than 50% of its applicants with any type of successful modification.

…and of those 40ish% of homeowners that are successful, less than 3% receive any type of principle reduction to their loan -so less than 1 in 100 loan modification applicants get what they need as far as a long term, sustainable solution…

So you can see why the government had to step in and attempt to set up a program that would streamline and systematize the very hard to manage and difficult Short Sale Process.

HAFA is a last-ditch effort to keep homeowners out of foreclosure, after failing a loan modification attempt.

Designed by the Administration and funded by the Treasury, The HAFA Program, which took effect April 5, 2010, provides servicer, seller and Investor( whoever actually owns the note) benefits

When HAFA was first introduced, these servicer, seller and lien holder incentives were touted as being designed to simplify and streamline the use of short sales and deeds-in-lieu of foreclosure. A great deal of hoopla and fanfare over the new program made it sound like the HAFA program was going to be the short sale Garden of Eden.

What a joke-

I personally was talking sellers out of using HAFA because I had several terrible experiences with the program and thought it was not only a waste of time, but nearly guaranteed that the homeowners wold end up with a foreclosure on their credit-

However, in the last several months there have been major changes to the HAFA program and the way it is being administered and currently I have three HAFA short sales that are moving along nicely and look forward to an approved HAFA short sale in just a few days.

What in the World Is HAFA?

What do I need to do to be considered for HAFA? How do I find out if I can do HAFA?
Contact you bank(‘s) or servicer(‘s) immediately and ask if you qualify and/or if your investor(‘s) is/are participating in HAFA.They will tell you that homeowners must be evaluated for HAFA within 30 calendar days of the following:

What Other Government Programs Do You Qualify For? CHECK YOUR ELIGIBILITY NOW!

Are you in,West Sacramento, Folsom, Granite Bay, El Dorado Hills, Natomas, Roseville, Elk Grove, Mather, Lincoln, Rocklin, or any other Sacramento area? We really are here to help!

More Questions About your Situation? Talk To A Certified West Sacramento Foreclosure Prevention Expert and HAFA Specialist Today!

Contact us Today At Forth Hoyt’s Sacramento Short Sale Center

Or Find if you qualify for your 1st or 2nd Lien Modification Program (2MP) harp


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