  Joan Hayes now an expert in home purchase and renovation loans Joan Hayes Joan Hayes, a Realtor with Prudential California Realty’s Laguna Niguel office, recently completed her training for the 203k Specialist designation, to ensure that her clients receive an advanced level of support and up-to-date information about the industry. As a 203k Specialist designated agent, Hayes is uniquely qualified to help her clients take advantage of the Federal Housing Administration’s Section 203(k) Home Purchase and Renovation Loan program. The objective of the program is to facilitate the restoration and preservation of the nation’s existing housing stock. “A typical mortgage only covers the cost of the home,” explains Hayes, “so if the home needs to be repaired, the expense either has to be covered out of pocket or by obtaining a loan with a higher interest rate and a shorter time frame to pay it off. With this exciting new program, a buyer can now get just one loan, often at a much lower rate and a longer term, to finance both the purchase and renovation of their home.” Hayes is a third-generation Orange County native with vast experience assisting her clients with standard transactions, short sales and foreclosures. Widely respected for her professionalism and commitment to deliver positive results, her strong knowledge of the community affords her clients with a well-rounded and thorough perspective about the local housing market. “I love helping my clients find undervalued properties with the potential to appreciate,” says Hayes, who graduated cum laude from the University of California Irvine. “It is always a thrill to know that I have helped my buyers find the perfect home and neighborhood to fit their individual tastes and requirements.” Joan Hayes can be contacted through Prudential California Realty’s Laguna Niguel office at 949.456.1082 or on the web at www.JoanHayes.net. |
