|Real Estate Agent||
|So NH RE & Short Sale Specialist|
— RE/MAX Insight
RE/MAX International Inc.
|insert_link Joy Sells Southern NH|
|web Southern New Hampshire Real Estate and Short Sale Blog|
Joy was first licensed as a real estate agent in 1987 and has a cross-functional background in mortgage banking, title and real estate. She has many years experience helping buyers and sellers achieve their real estate goals, however, in today’s environment she believes her most important skill is the ability to compassionately guide people through difficult and confusing times. Joy credits her background as a teacher of Kripalu Yoga, the Yoga of Compassionate Awareness, for the development and fine-tuning of this skill.
As the current market has gotten more confusing, she has helped many people successfully navigate through the frustrations and potential pitfalls that are the hallmark of buying real estate today. She believes strongly that she has an obligation to the people she is working with to help them interpret how the many changes taking place today in real estate and mortgage financing impact their ability to achieve their goals.
She also has extensive experience helping folks who don’t know what to do because they owe more on their home than it's worth.
Joy makes her home in Londonderry New Hampshire with her husband Stephen, a talented musician who is one of the founding members of Beatlejuice - New England's Premiere Beatle Band.
Today's real estate market is changing. There is no doubt about it. If you've been watching the news, whether on television or online, you know that two main topics have been headlining when it comes to real estate - increasing home values and the potential for increasing rates and downpayment requirements. As a prospective buyer or seller, it is important for you to understand how these issues impact you. As far as I am concerned, my absolute first responsibility is to help my clients accurately interpret the information that is out there so that they can make an informed decision about the steps they wish to take.
In this confusing market it is critical to work with an agent who has knowledge and experience on their side. And, if you owe more on your home than it's worth and you don't know what to do you should know that I helped my first client successfully obtain a short payoff with their lender so that they could sell their home and move on with their life back in the mid 90s, a time when the term SHORT SALE was largely unknown. Today, I continue to work with diligence and compassion to help my clients who find themselves in this unfortunate situation remain as whole as possible by facilitating a successful short sale.
|David and Nicole L|
|We met Joy as nervous “virgin house hunters”. The first conversation we had with her, she put our fears of buying a house on hold, and we immediately trusted her to be the one to help us with our search. We cannot say enough nice things about Joy and would recommend her to anyone looking for a fantastic Realtor! Joy is incredibly knowledgeable with the market and the NH area. She was able to answer roughly a million questions from us on different subjects, as well as, supply us with people/businesses she would recommend for numerous things. Joy went above and beyond her job description for us and always seemed happy to do everything we needed. She was able to talk us through the moments of being stressed, anxious, and frustrated with the process… which is frankly a miracle! She listened intently to what we wanted in a house and gave up her weekends for a marathon of looking at for sales we were interested in. After each walk through she discussed with us our likes and dislikes about the property, which was very helpful for our inexperience. Joy seemed eager to find us what we wanted and that made our searching more thrilling. We lucked out finding our first home quickly (thanks to Joy’s hard work) and we feel even luckier to have had Joy by our side to make this daunting task a success. Joy, we truly thank you from the bottom of our hearts for all of your dedication. Genuine kind people are tough to find which makes you an absolute gem and we are so fortunate to have met you! You are the best at what you do and we will never use another Realtor again! - David & Nicole|
|Mike and Lisa L|
|Dear Joy- We will always cherish the day you walked into our lives. You gave us hope and knowledge and, finally, the answers to so many questions that no one could ever seem to help us with. From the uncountable numbers of people and departments at the bank to the many real estate agents we spoke with no one gave us any usable information or even a direction to go in. We had an unusual situation because we owned both sides of a duplex but we had separate loans on each side. We could no longer afford to keep the property but everyone said that selling and doing a short sale on both sides (with two different loans) at the same time before the foreclosure was impossible. Well, everyone except you! After you left our first meeting, we knew that we had finally found someone who knew what they were doing and that everything was going to be all right. True to your word, and due to your incredible knowledge, work ethic and compassion, you helped us do what everyone said was impossible. We had a successful short sale on both sides of the duplex at the same time and we were able to move on with our lives not owing anything! Not only do we have an amazing real estate agent, we have a friend for life! Thank you, Joy!|
|I have been in the mortgage business for over a decade. I have dealt with short sales on the lending side, waiting very long periods of time for a short sale to be approved. I have also had clients lose the opportunity to purchase the house they wanted and loved because the house went into foreclosure before the short sale was approved. This is a big problem in the banking industry. Most of the time the left hand doesn’t know what the right hand is doing even though there is a deal that is already put together. Recently, I found myself struggling with trying to arrange a short sale on my own investment property. I had known already about Joy from being in the business and her reputation on being a master at getting short sale approvals so I finally turned to her. Joy succeeded where I failed. Joy is the #1 go to person that I would ever recommend to anyone facing a foreclosure or in need of short selling their home. Joy, thank you again for your professionalism and expediency on getting the approvals we needed.|
|Dear Joy, I wanted to thank you for helping us sell our condo. Although we were not in a financial hardship we were facing other issues with the property that we could not resolve and there was no way we would have been able to sell our condo without you. You were so nice, professional and organized and had the short sale approval within 3 weeks. We were so nervous about how it would all turn out but it worked out great and we will forever be grateful. You have changed our lives forever and we can never thank you enough. Jessica|
|P. and A. K.|
|Dear Joy, We are so grateful for your expertise, knowledge, guidance and kindness with the process of the short sale of our home. It wasn't an easy experience to go through, but with your guidance, hard work and attention to detail, we knew we were in good hands. It is definitely a very emotional thing to experience and you were there every step of the way. Thank You Joy! You should be given a gold medal for what you did for us and continue to do for others!***** Joy - I will always refer folks to you ... your the best!|
|Marilyn and Larry E.|
|Dear Joy, I am writing you in regards to the short sale of our property. Until we found you we were ready to throw in the towel and just give up, especially since we had already tried a short sale that failed because it was handled wrong but once I talked to you I could tell you knew how to do things right! You walked with us through the entire process which was somewhat difficult at times. I certainly know that my husband wasn't the easiest person to deal with, so you certainly have my vote for that, too! Thank you again for all your patience and how you dealt with our ups and downs. Thank you for sticking with us and we will always be grateful for all you've done for us. I would recommend you to anyone looking to do a short sale. We are now stress free and looking forward to many bright tomorrows. Thank You, Marilyn & Larry E|
|Joy I wanted to take a moment to thank you for all of your energies that you put into helping me come out of this with the best of all possible conditions.The family is settled into a new home and adjusting as needed to smaller spaces. It seems that saying thank you for all of your help is not near enough to express my gratitude for all of your dedication to my needs in this short sale process. Difficult it was and you were very clear every step of the way in everything you prepared me for. I hope that my resistance at times was not a hindrance to your ultimate successful closing on this home. If you are on ANGIE'S list or Linkedin I would be happy to submit a testimonial on your ability to make it happen against all odds. Thank You and may god bless every dream you have Mike S.|
|Calista and Bob S|
|After 8 months of trying to work with the banks on our own we came to the conclusion that we were going to have to, a) go through a foreclosure or b) try for a short sale. We decided to interview realtors to see who would be best to work with on a short sale. After calling a local RE/MAX realtor and telling them our situation we were told “You are going to want to contact Joy Baker, she has been doing Short Sales for over 20 years and knows what needs to be done.” After contacting Joy, and reading some articles that she has on her blog, it was evident that she WAS the one to work with. She was great through the whole VERY trying process. We had two mortgages and our first mortgage was with one of the WORST banks to deal with but Joy never gave up, she kept pushing forward. When things stalled or she didn’t get responses or got responses that she didn’t feel were right, she wouldn’t just accept it, she would work even harder, contacting EVERYONE; the president of the bank, president of Freddie Mac, Senators, the Banking Commission and whoever else she thought would help in that situation. We couldn’t believe the people she knew to contact. There is only one word I can use to describe Joy Baker. ADVOCATE. An advocate for those of us who have to go through, what has to be, one of the most difficult financial times in our lives. She holds your hand the whole way through. Answers all your questions, listens to your complaints and worries. It has been only 7 months since the successful closing on the short sale of our house and we have been already begun to be able to rebuild our life. We’ve been able to purchase a desperately needed vehicle and pay off one of our major bills. In short, deciding to have Joy Baker as our realtor for the Short Sale was absolutely the BEST decision we made. Calista and Bob S.|
|Dear Joy, I want to sincerely thank you so very much for ALL the HARD work and determination that you put forth in the short sale of my home!!!!!!!!!! You literally relieved us of all pain and anguish we were going through trying to sell our home and save it from foreclosure. MetLife would NOT cooperate with us in any way. Our calls went unanswered. Being newly divorced, I had no one to turn to that had knowledge and was then referred to you by a lawyer named "Joe". He was the best answer to my problems referring us to you. You have every piece of knowledge that anyone could have dreamed of in the process of short sales on homes. I was so positive you could help us and you did! You caught MetLife Mortgage Loans trying to escape from their responsibilities and telling numerous lies. They never gave us a chance and claim they gave us time. You insistently kept demanding answers. Knowing your business in short sales like NO ONE I have ever met, you contacted the State House, Senator, and others. Lo and behold, they end up getting involved in these mortgage companies not following the books in helping home owners and you then finally get phone calls and emails. You got some important people involved and it worked! Having all the proof written down showing the 'time frames and dates' which is vital, proved we were never allotted the time to sell our home to avoid foreclosure. We didn't want a foreclosure on our records and wanted to keep our credit as best as we could. We finally were allotted the time to short sale the home for a length of time. With your expertise, months of pounding the pavement with letters, calls and emails, we succeeded in selling our home! You honestly should start a business in Short Sales and teach people about this. We had no idea of all the legalities involved and how Mortgage Companies put clients through loopholes to avoid helping them. You are a blessing and can help so many others out there like us. Thank you so much for all you have done. Anyone out there that thinks that selling in time to avoid foreclosure isn't possible, call Joy!" She is THE MOST CARING, AGGRESSIVE and KNOWLEDGEABLE real estate agent I have ever met and I wish to God that I had known about her previously. She is THE BEST PERSON you could ever hire and WILL get the job done. She NEVER gives up and her persistence pays off in every way! Joy, thank you sooooooo much for all you have done! The State of NH needs more people like you willing to FIGHT for your clients and showing these mortgage companies doing wrong doesn't pay off. Short Sales PAY OFF :) Being patient, going through each and every step for a short sale is critical and timing is everything. And you, Joy, did just that. THANK YOU AGAIN! You and all your knowledge are a gift to all!! Holly B|
|Jim and Mary S|
|I've never seen anything like Joy Baker. She held Wells Fargo's feet to the fire and with her superb knowledge of the short sale process and available resources, and her experience with the shenanigans folks like Wells Fargo et al. pull with struggling mortgage holders, she basically put Wells Fargo on notice that they really ought to mind their Ps and Qs on this one, and thus she was able to obtain short sale approval. Her competence and pit bull attitude, especially when her dander's up, combined with her knowledge and readiness to sweet-talk when appropriate, got the job done for us. I'll recommend her to anybody.|
|Thank YOU so much! We absolutely would NOT be here without your guidance and expertise in this difficult market. I keep telling Rich what a wonderful person you are and he agrees wholeheartedly. He adores you and Steve. Danny and I are settling in nicely. I will be calling you soon for a visit. You are a good friend and a great real estate agent. ♥|
|Karl and Suzanne D|
|Joy was absolutely fantastic from our first phone call. I was interested in a listing of hers, and received a call in response to my email almost immediately. She was so wonderful and thorough in letting me know that the property I was interested in was a short sale, and myself being a first time home-buyer, answered all of my questions regarding short sales. As it turns out, this wasn't the home for us; HOWEVER, I was so impressed by Joy's easy nature and vast knowledge, that I KNEW that I needed her on my side in the process of finding the right home for my family! Joy arranged for us to see a number of properties and even fixed it so that when we found the home we loved, we were able to make multiple re-visits to the property to get the seal of approval from our extended family members. We did not hesitate to contract ourselves with Joy as our official buyers agent. We are now in a home that is absolutely perfect for us, thanks to Joy. We love her so much, we have even had her back to the house for our daughter's 3rd birthday party, so we could show her how proud we were of the finishing touches we have made to the home of our dreams!|
|I can't even begin to thank you for all the hard work you have done to sell my house in Salem, NH. I am so grateful to you for everything you have done. When I came to you back in August I was so lost and had no idea how and where to begin. I was so upset and so scared and didn't know what to do. You assured me everything will be ok, you guided me through the whole process. And you did the whole thing while I was in the other side of the country. I really didn't think it was possible and I thought my house for sure will go for foreclosure but it didn't. Even with closing you knew I didn't have the money to travel so you did it all through the mail. My god I don't even know that was possible. Joy I don't know what to say except thank you. Joy, your name said it all. You are a joy to work with, your knowledge and experience made everything so simple. You have a lot of patient that every time I called panicking and scared you knew exactly what to say to help me out. It was a pleasure having you as my real estate agent. Please use me as a refrance any time I would be happy to tell anyone about my experiance with you. Thank you so much for everything.|
|Michelle and Joe P|
|We would not have been able to sell our home if it wasn’t for Joy Baker. She is incredibly knowledgeable in her field. With her help, we were able to sell our home very quickly and move on with our lives. If you need to Short Sell your home we would recommend three things; keep a positive attitude, do what you have to do to make the home attractive to buyers and, most importantly, choose the right agent!!! We highly recommend Joy as the right agent to sell your home!|
|Joy Baker is everyone's dream of a realtor! She is knowledgeable,helpful,responsive diligent and clear in her presentation and communications!!!We searched and purchased a home in three months. I have purchased properties from other realtors and can say without reservation that Joy Baker is simply the BEST!!!!!!!!Thank You Again Joy!!!!!!!|
|Joanna and Michael B|
|My husband and I were fortunate enough to be referred to Joy Baker of RE/MAX Insight after spending $3000 and month after stressful month trying to get a loan modification through another company that stole our money and never did anything for us. By the time we met Joy, our situation had become worse and a modification wasn't going to help us and we were convinced we were going to get foreclosed on. And I can't stress enough that if it weren't for Joy, we would have been foreclosed on! Joy stopped the foreclosure and started to work on getting us a short sale. It took a while to find a buyer and my husband and I were so tired of the run around Bank of America had given us that by this point we were ready to give up but Joy refused to let this happen. She stopped the foreclosure time and time again. Joy is a fighter and she put in countless hours on our behalf. I can't tell you how many departments she had to go through to finally get Bank of America to do the right thing. We were finally able to get some sleep after so many sleepless nights not knowing what our future would hold. Many short sales end up not going through because there are no other Realtors that I know that would go above and beyond the way that Joy did. It's an amazing amount of work. If you want to get results and see your short sale actually close and get it behind you, Joy is the one that can get this done for you. I would highly recommend her to anyone that finds themselves in this type of situation and would talk personally on her behalf to anyone who needed to talk to me about her. I will always be thankful that we found someone like Joy. When we get back on our feet, the only real estate agent we'll ever use is Joy|
|Hi Joy, I would like to take the time to thank you for your "above and beyond" approach to the recent short-sale transaction that we completed on 61 Summit Dr. in Atkinson, NH. From beginning to end, you kept me in the loop on where you were at in the process with the lender(s). Whether I sent you an e-mail or called, you were always prompt in getting back to me. The amazingly short time frame that the lender approved my client's contract (10 days!!) was surprising to me because I have dealt with short-sales in the past that took much longer! I truly believe that your diligence and knowledge of the short-sale process is what made this transaction easier than any others I have had with co-broke agents that were far less responsive and/or on top of the process. Again, thank you so much for making a potentially challenging home sale, seamless! I will not hesitate to show any of your properties in the future, short-sale or no short-sale. It was a pleasure working with you! Best Regards, Kathy Kathy McDonald Coco, Early & Associates|
|Brooke and David M.|
|Thanks for helping us make it through! I can't thank you enough for all the patience, knowledge, experience and laughs you've given me through this crazy "process". I couldn't have done it without you. I truly thank you for taking the time to explain EVERYTHING to me and being such a big part of getting us into our first home!!!|
|Just wanted to send a note of deep appreciation for all that you've done for us. I know it's your job, but you did so much to go above and beyond. I cannot imagine having gone through the process of selling that house on our own, or with any other realtor. I'm thankful that Stephen mentioned you are in the business. So, again--thanks for everything.|
|Linda and Dan Thyne|
|Dear Joy, I am writing this letter to thank you for all the hard work and support you provided me and my family through what has been one of the most difficult times in our lives. The unfortunate circumstances leading up to having to make the decision to sell our home would have seemed much more devastating had you not managed to quickly and efficiently aid us in the short sale of our home. Being able to prevent a foreclosure by completing the short sale has allowed our credit to actually improve! Your knowledge, skill and caring are a credit to you as a person and business owner. You have a gift that engenders trust and hope and we sincerely hope that you will continue to do such good for others! Since selling our home, we have been able to put our family back together and on a road of promise. Where once there was sorrow, now there is joy! Well, that is because your name portrays the feeling of gratitude you have given us and the ability to work through these difficulties with dignity and grace. Thank you from the bottom of our hearts!|
Real Estate is about relationship building. It’s about helping someone realize their dream or helping someone remain as whole as possible while extricating themselves from a distress situation.