Greater Hartford, West Hartford and Farmington Valley CT real estate and homes for sale in Connecticut - Joanne Hoye and John Hoye, REALTORS® Joanne Hoye and John Hoye REALTOR(r) for Greater Hartford, West Hartford and Farmington Valley, Connecticut real estate - NUMBER1EXPERT™ Joanne Hoye and John Hoye NUMBER1EXPERTS(tm) for Greater Hartford, West Hartford and Farmington Valley, Connecticut real estate

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Joanne Hoye and John Hoye, REALTOR®, real estate agents and broker for Greater Hartford, West Hartford and Farmington Valley Connecticut home listings, property and land for sale - NUMBER1EXPERT(tm)

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Real Estate Tips
Short Sales >2. How to Request a Short Sale

If you are facing foreclosure and are considering selling your home as a short sale as an out, get in touch with a trusted real estate professional immediately. They will be able to assist you in the process of requesting to short sell your home.

  1. Your real estate agent will most likely tell you that some banks will not allow a short sale to happen. Contact your lender’s loss mitigation department and speak with a supervisor. Explain your financial situation and ask if you qualify to sell your home as a short sale.
  2. Ask the supervisor what documents you’ll need to proceed and make copies of those. (Depending on the lender this could be anything from bank statements, tax forms, pay stubs, etc.)
  3. Ask your real estate agent to come up with a comparative market analysis report to show your lender how much the home is worth based on home sales in the area.
  4. Write a letter of financial hardship detailing the reasons you are no longer able to make payments on your home.
  5. When you’ve completed all the aforementioned necessary paperwork, compile it together and mail it to your lender’s loss mitigation department.
  6. Pending your short sale application approval, request a deficiency release from the bank. The release absolves you of any obligation to pay the balance on the mortgage. If the bank refuses, continue to press the issue.

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Real Estate Trivia
Q 
What structure is regarded as the best surviving example of Pennsylvania Dutch architecture?

A 
The Georg Muller House in Milbach, PA, built in 1752.
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Joanne Hoye and John Hoye, REALTOR®, real estate agents and broker for Greater Hartford, West Hartford and Farmington Valley Connecticut home listings, property and land for sale - NUMBER1EXPERT(tm)

Joanne Hoye and John Hoye
Prudential Connecticut Realty
970 Farmington Ave
West Hartford, CT 06107
(P): 860-561-8007
(F): 860-233-7313
(E) : jhoye@snet.net

JOANNE HOYE is a 4th Generation real estate professional in Greater Hartford Connecticut. She has 30+ years of experience in both buying and selling Real Estate. She works in all markets from starter homes to luxury properties and handles all phases of new construction and land development as well. In addition she markets antique properties! She is a Certified Residential Broker who is a consistent top producer. She has won the following awards multiple times: Prudentials #1 Outstanding Agent for Customer Service Award out of 2000 agents, Prudential Chairman's Club Awards, Pinnacle Performer Awards, and Top Producer Awards for Greater Hartford Connecticut placing her amoung the top 1% and 2% of agents nationwide. She provides excellent service and gets results for you.!.........JOHN HOYE is a 5th Generation real estate broker in Greater Hartford Connecticut, providing outstanding service dedicated to meeting your Real Estate needs. He has 10 years experience buying and selling Real Estate. He has won the following awards multiple times: Prudentials #1 Outstanding Agent for Customer Service Award out of 2000 agents, Prudential Chairman's Club Awards, Pinnacle Performer Awards, and Top Producer Awards for Greater Hartford Connecticut placing him amoung the top 1% and 2% of agents nationwide. Like Joanne he too works in all markets from starter homes to luxury properties. Prudential Connecticut Realty is an independently owned and operated member of The Prudential Real Estate Affiliates Inc., and Prudential is a service mark of The Prudential Insurance Company of America.

CRB ePro Equal Housing GRI REALTOR


Prudential Connecticut Realty real estate and homes for sale in Greater Hartford, West Hartford and Farmington Valley Connecticut

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