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Forth Hoyt’s Resume


Simple, Straightforward Real Estate…



Forth Hoyt CRS

CDPE, IMSD, Certified HAFA Specialist, SFR, SRES, e-PRO,

PFC, RDCPro, A-REO, Master’s Club Life Member

Sacramento Dave Ramsey Endorsed Local Provider

Certified Mortgage Resolution Specialist
Certified Home Retention Specialist
Certified Pre-Foreclosure Specialist
Certified Short Sale Specialist


California Real Estate License #01319540

[email protected]


To assist you and your family with your real estate needs.  To enable a quick, professional, efficient, hassle free transaction.



Summary of Qualifications

Brief History


Keller Williams, Folsom, Ca. (KW is the second largest brokerage in our area.)

Team Leader; The Hoyt Group.  2013 top 3% in production for office.


RE/MAX Gold, Granite Bay (RE/MAX Gold is third largest brokerage in our area)

Lead Listing Specialist with Team Conway. Team Conway was the #1 Agent Team with RE/MAX Gold in 2003, 2004 with my assistance- I listed and sold up to 42 listings annually, as a team we did over 250  transactions annually consistently #1 or #2 agent team; RE/MAX Gold.


RE/MAX Gold, Granite Bay

Obtained my real estate agents license in 2001 and began working as lead generator and marketing consultant/coordinator for the Ric Chen. The 2002 yr. #1 listing agent; RE/MAX Gold.

Real Estate and Related Education

Forth Hoyt has become one of the Sacramento area’s premier real estate agents, and a Sacramento short sale and pre-foreclosure specialist. Through his devotion to learning, his work ethic and tenacity and fifteen years of Sacramento area Real Estate Experience and hundreds of transactions, Forth has the knowledge and background to provide you with a winning real estate experience!

CRS, CDPE, IMSD,Certified HAFA Specialist, SFR, SRES, e-PRO,

PFC, RDCPro, A-REO,  Master’s Club Life Member

Dave Ramsey Endorsed Local Provider

Certified Mortgage Resolution Specialist

Certified Home Retention Specialist

Certified Pre-Foreclosure Specialist

Certified Pre-Foreclosure Specialist

Short Sale And Foreclosure Resource Designation

Forth Hoyt Logo

SFR_cmyk.jpg picture by justthegrownups The National Association of Realtors

Only Short Sales and Foreclosure Resource Program

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Folsom real estare, Granite Bay real estate  and El Dorado Hills real estate specialists: TheHoytGroup!

HoytGroup Tools:


FEATURED FOLSOM HOMES FOR SALE Some of the Best Folsom Homes listed with all the companies, special deals, Great Features, you might call this our favorites list…

FOLSOM BANK OWNED HOMES still the best deals around; great folsom distressed sales and folsom foreclosure pricing, plus quick closes and usually easy transactions!

FOLSOM SHORT SALES sometimes the best values if you are patient!


We are your folsom real estate specialists– our buyer inquiries have been averaging over 12 per day– even right before christmas! With at least three open houses per week, over thirty websites and a team of seasoned professionals (over 100 years of realestate expernce combined) the hout group is you Folsom Real Estate Leader!

Forth Hoyt CRS, RDCPro
SRES, e-PRO, Master’s Club


Certified Preforeclosure Specialist

Our Mission Statement:

We Care…

About our clients;
their dreams,
their goals,
their needs…
About everyone involved in every transaction…

My team works constantly to improve our systems and services;


Going well beyond the standard level of service provided by most agents, we are continuously changing, growing and updating in our pursuit of excellence; we remain focused on education, training and renewing our commitment to quality. We strive to provide the best service,the best advertising, the best, most up-to-date exposure techniques, most in-depth market knowledge and the best Real Estate advice around…Period!

As we guide you through the real estate process, we’ll get you the best deal in the least amount of time, with the fewest hassles, and we’ll have fun doing it! We’ll provide a level of service that makes it very easy for you to refer your friends and family to us!

Give us a call!


Forth Hoyt CRS, RDCPro
SRES, e-PRO, Master’s Club
Certified Preforeclosure Specialist

The Hoyt Group
Keller Williams Realty

DRE# 01319540
[email protected]
Monthly e-newsletter

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Thought you might like this……


A great friend of mine emailed me this yesterday; thought i’d share it here…

A lesson that should be taught in all schools . .  and colleges!

 Back in September of 2005, on the  first day of school, Martha  Cothren, a social studies  school teacher at Robinson High School in Little Rock, did something not to be forgotten.  On the first day
of school, with the permission of the school superintendent,  the  principal and the building supervisor, she removed  all of the desks  from her classroom.
   When the first period kids entered the room they discovered  that  there were no desks.  ‘Ms. Cothren, where  are our desks?’  She replied, ‘You can’t have a  desk until you tell me how you earn  the right to sit  at a desk.’ they thought, ‘Well, maybe it’s our  grades.’  ‘No,’ she said.    ‘Maybe it’s our behavior.’
 She told them,  ‘No, it’s not even your behavior..’
 And so, they  came and went, the first period, second period, third    period.  Still no desks in the classroom.
   By early afternoon television news crews had started gathering  in  Ms.Cothren’s classroom to report about this crazy  teacher who had  taken all the desks out of her  room.
 The final period of the day came and as the  puzzled students found  seats on the floor of the desk  less classroom, Martha Cothren said,  ‘Throughout the  day no one has been able to tell me just what he/she
has done to earn the right to sit at the desks tha t are  ordinarily  found in this classroom. Now I am going to  tell you.’
 At this point, Martha Cothren went over  to the door of her classroom  and opened  it.
 Twenty-seven (27) U..S. Veterans, all in  uniforms, walked into that  classroom, each one  carrying a school desk.  The Vets began placing the school desks in rows, and then they would walk over and  stand  along side the wall.  By the time the last  soldier had set the final  desk in place those kids  started to understand, perhaps for the
 first time in  their lives, just how the right to sit at those desks    had been earned.
 Martha said, ‘You didn’t  earn the right to sit at these desks. These  heroes did  it for you. They placed the desks here for you.  Now,    it’s up to you to sit in them. It is your responsibility to  learn, to be good students, to be good citizens. They  paid the price so  that you could have the freedom to  get an education. Don’t ever  forget it.’
   By the way, this is a true story.  Martha Cothren is the  daughter of a WWII POW.
 Please consider  passing this along so others won’t forget that the    freedoms we have in this great country were earned by U. S.  Veterans.

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Count Your Blessings… Look For The Silver Lining


Folsom rainbow bridge2297692636_a77b8165a5

A note from Forth Hoyt…

This time of year, business starts to slow down, I start thinking about goals for next year, reflecting over the past year and assessing where I am as a businessman, a family man and a father…  We start thinking about holidays, making plans for traveling to family events and get together and I always feel so lucky to have such great memories of holiday seasons past. I grew up in a huge family with lots of cousins, (I have over 60 first cousins just on my dad’s side!) many aunts and uncles- we had lots of get-together so there are many memories  of joy, happiness and a sense of togetherness and security.  It is easy for me to go back to those feelings of content and sense of belonging and it is in this spirit of happiness that I find it so easy to feel such gratitude for the many things that me and my family have been blessed with.
As I look around what’s going on in the world I know there are many challenges, fears, uncertainties and stresses in many of our lives right now, yet most of us have so much to be thankful for- My hopes are that we can all embrace the challenges we may be facing- look forward to better days ahead and realize that growth never comes easy…
“It is not necessary to change. Survival is not mandatory”.  ~W. Edwards Deming
 …times like these are usually catalysts for huge growth.
I believe we can learn so much from the great leaders of the past- There have been other times of turmoil… one such time was rebuilding a war savaged Japan, crippled by the atom bomb and still occupied by the allied powers. In the early 1950’s a man named W. Edwards Deming helped a broken economy rise to economic superpower status. He is regarded as having had more impact upon Japanese manufacturing and business than any other individual not of Japanese heritage.
Deming was just a hard working country kid who was raised on this grandparents chicken farm, educated at the University of Wyoming and University of Colorado, before getting his Ph.D at Yale.  Deming made a significant contribution to Japan’s reputation for innovative high-quality products by training hundreds of engineers, managers, and scholars in statistical process control (SPC) and concepts of quality.  The improved quality and productivity  combined with the lowered cost created new international demand for Japanese products.
So again; count your blessings and look for the silver lining in this storm cloud- I hope you may later look back at these times and be thankful for the lessons and growth they have brought.

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TARP Watchdogs Say Government’s Not Doing Enough to Stop Foreclosures

From DSNews:

The Congressional Oversight Panel, set up to police the U.S. $700 billion bailout of financial markets, said in a report last week that the federal government isn’t doing enough to help homeowners who face foreclosure.

A majority of the panel’s members signed on to the Oct. 9 report, titled “An Assessment of Foreclosure Mitigation Efforts after Six Months.” The panel’s two Republican members distanced themselves from the findings.

The report expressed doubts that the “scale, scope, and permanence” of the Treasury Department’s Making Home Affordable Modification Program would adequately protect U.S. homeowners. The Treasury had previously said HAMP would help prevent as many as 4 million foreclosures with loan modifications through approved servicers and lenders.

“Rising unemployment, weak home prices, and impending mortgage rate resets still threaten to cast millions of Americans out of their homes, with devastating effects on families, local communities, and the broader economy,” the report said, noting that one in eight U.S. mortgages was currently in foreclosure or default, ultimately producing “10 to 12 million foreclosures.”

But panel member Jeb Hensarling – a Republican Texas Congressman who calls himself a “lifelong conservative” on the COP Web site – disagreed with the report. “Instead of focusing its attention on taxpayer protection and oversight,” he wrote in his dissent, “the panel’s majority report implies that the administration should commit additional taxpayer funds in hopes of helping distressed homeowners — both deserving and undeserving — with a taxpayer subsidized rescue.”

The report was the latest in a series of monthly opinions issued by the panel, which is charged with finding ways to improve the $700 billion Troubled Asset Relief Program. Its blistering critique came this week on the heels of an Oct. 6 announcement by officials from the Treasury and the Department of Housing and Urban Development that HAMP had resulted in 500,000 trial modifications for home loans, a month ahead of its self-imposed target date.

As DS News previously reported, the Treasury took that milestone moment as an opportunity to argue for HAMP’s effectiveness, noting that the pace of loan modifications was now greater that the pace of new foreclosures.

But Treasury Secretary Timothy Geithner still acknowledged “a large number of families” were still at risk of foreclosure.

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Sacramento Housing Crash causes market to nearly double…

The number of closed escrows here in the Sacramento market has increased 81% over 2008’s  numbers, According to the Sacramento Association of Realtors, who’s information is taken  from the MetroList® Multiple Listing Service database.

As a state, California did even better, in the last six months; sales have gone up 89 percent compared with a year ago, according to the California Association of Realtors.



It seems like the worse it gets, the better it gets. 

Some of the increase is because of the ease of financing:

Lenders and Sellers are getting aggressive with financing options: Programs such as Fannie Mae’s Homepath Program: with a 3% required downpayment, no appraisal (or appraisal fees) no mortgage insurance and up to 6% seller concessions for closing costs. This loan is only available on Fannie Mae owned homes…

The USBank American Dream Program, (with 3% down,  and all but $1,000 can be gifts grants or seller contributions) also comes with an available $3000 in Entry Cost Assistance (which is silent second with no interest, no required payments) it also lets the buyer do up to $5,000 in a repair escrow that can be seller funded, AND buyers only qualify on the last 12 months of income, including overtime and commissions!  This loan also has no mortgage insurance! This program is available on any home!

Get ahold of me; I can direct you to some great lenders that are doing these loans in boatloads and have them down pat!

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Green Governator unveils California’s ‘Astronauts of the Green Revolution’

Just yesterday, Arnold Schwarzenegger launched the California Green Corps; that will place at-risk young adults aged 16 to 24 into jobs in California’s emerging green economy.

Governor Schwarzenegger said “The Green Corps will help underprivileged young people learn job skills while we create a well-trained workforce for clean technology and for the green economy. I’ve been pushing for this program for a long time, because it kind of combines my passion for the environment, for protecting the economy, creating jobs, career-tech education and helping underprivileged kids and of course, service.”

A $20 million project, It consists of a combination of $10 million in federal economic stimulus funding (U.S. Department of Labor) and $10 million from public-private partnerships. The first phase of the California Green Corps will consist of a 20-month pilot program reaching at least 1,000 of California’s at-risk young adults.

In their presidential campaign, Obama had promised to create a Green Jobs Corps to engage disadvantaged youth in energy efficiency opportunities to strengthen their communities, while providing them with practical skills in this high-growth career field.

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Interesting Sacramento Market Statistics for First Two Weeks of August

New listings are finally outpacing pending sales. In the tri-county area (Sacramento, Placer, El Dorado) it looks like the summer flurry is already subsiding- the total available homes on the market is now building again.

A good thing for many eager buyers who had been out-bid on homes that had seen multiple offers… Many first time buyers who are relying on down payment assistance and or other first time programs have had a hard time competing with stronger offers… We have been working with several buyers who have written scores of offers (one couple has written over 15 offers) and been outbid each time- they are finally in contract!
Check out the numbers
Active: 2207 Pending: 1846 Sold: 893 Other: 0 Total: 4946
Bedrooms Bathrooms Square Feet List Price Selling Price Days on Market
Minimum 0  0.00  90  $22,900  $28,500  0
 Average 3  0.00  1,806  $283,188  $276,468  37
 Median 3  2.00  1,575  $232,900  $247,000   12
 Maximum 7  0.00  10,500  $3,600,000  $3,500,000  518
 Total Dollar Value  $246,886,155
Average DOM Breakdown and Average % of List Price received on Solds by Market time:
0-30 Days  31-60 Days  61-90 Days  91-120 Days  120+ Days
 No. of Listings  488   124   76   86   119
 Breakdown %  54.65   13.89   8.51   9.63   13.33
 Avg SP % LP 100.96   97.19   96.18   94.45   94.25
It’s amazing how different our local markets are from one another, though, for instance, in Folsom, there are only 23 bank owned homes on the market in the whole zip code… As of 2007, the State of California’s estimate of Folsom’s population is 70,835. the market is amazingly stable and predictable.
In Elk Grove, there are 245 bank owned homes!! In a town that the State’s estimates place the  population at 136,318. Not so stable… it’s two totally different markets, just a few miles from one another…

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4 reasons to use a CRS… even in Witchita…

When I’m finished with next week’s training, I’ll only have one more class left to reach my 2008 year goal of finishing my CRS training…

What is CRS?

The Certified Residential Specialist (CRS) is the highest Designation awarded to sales associates in the residential sales field. The CRS Designation recognizes professional accomplishments in both experience and education.

Needle in a haystack: One in a million…Why use a CRS?

There are over one million REALTORS® in business today. So if you want to find that one-in-a-million REALTOR®, start with the over 37,000 who hold the Certified Residential Specialist Designation. CRS is the symbol of excellence in residential real estate. Our members have proven they have the experience, training and commitment to be among the best in their profession.

Since 1977 the Council of Residential Specialists has been conferring the CRS Designation on agents who meet its stringent requirements. Currently, there are more than 39,000 active CRS Designees.

I love to learn, love to improve and love to bring tools back to my busines that will make a difference in my clients’ lives and their real estate experience. 

 I can’t wait to begin my  six-day intensive training schedule for next week…

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Pass It On…

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