Showing posts with label Loans. Show all posts
Showing posts with label Loans. Show all posts

Sunday, February 16, 2014

Frank Yan of Sacramento on The Best Time To Sell Your Property







For many years in Sacramento, Frank Yan has seen that There are a few periods during a year when it is the best time to sell a house and a few of periods when it is definitely not the best idea. Frank Yan will share what to look at both these periods and find why it is a good or bad time to sell.

If you ask an estate agent that question of course, they will tell you any time is a good time sell. This is because they are after your business and want to list your property

Best Times To Sell Your Property
The best time to sell and list your property for sale is when the market is flooded with buyers and investors. These potential buyers and investors will try to outbid each other for the properties on offer and this will tend to push prices up right up. Take full advantage of this by marketing your home at this point.

However, within the past few years, especially in Sacramento, properties have been selling unite rapidly as the market is beginning to rebound from the past foreclosures from failed and toxic loans. The seasons generally determine the best times to sell and achieve a quick, profitable sale.


The best season that Frank Yan has seen and experienced is to sell your property is during the Spring season. It is typically a time for fresh starts for most buyers, new beginnings and the time when most people get the urge to look for a bigger, and even a better home. When the weather is improving, lawns, flower beds, gardens are looking healthier and prettier, and your property will be looking its best in better weather.


From mid March through to early July the market will be much, busier than at any other time of the year and it is the ideal time to put your property on the market.

It may not always possible to for a homeowner to put their property up for sale in the Spring so another good time to sell is a couple of months in Autumn. This isn’t as good a time as the March-July window, but it is still decent.

Summer holidays and those people that have children can focus on the house hunting while school is out. The summer weather is still acceptable and some people want to move before fall weather arrives.


The best months according to Franks experience are September and October, though you may be ok in the first couple of weeks of November. After that, the market will die off very fast since people will begin to think about the holidays.

Bad Times To Sell Your Property

Winter of course is an obviously bad time to try to sell your home. The combination of the school holidays, weather, and money spent on holiday gifts means that potential buyers are not really inclined to search for homes.

November and December are probably the worst months for the housing market and it only really begins to pick up towards the end of January.

Surprisingly, sometimes Summer can also be bad time to try and sell, especially in August when fall hits. You might think with decent weather it would be the ideal time but because of school holidays it could get challenging.

Spring through early Autumn, is definitely the best time of year to sell your property. So find yourself a good and honest realtor and begin showing your home when the market is at its busiest and hopefully you’ll find a quick, profitable sale.



Wednesday, September 11, 2013

Frank Yan of Sacramento on Who Stole My Identity







Seriously, that’s the question Frank Yan is asking today. During Frank’s application for a mortgage home loan, Frank received a copy of his credit report and discovered that in 2005, someone used my name and identity to rack up just over $2K in debt that Frank was not responsible for. So Frank began to investigate who possibly used his identity and phoned the Sacramento police department, filed fraud reports, and tried to figure out how to get things resolved. Apparently it took Frank a very long time, which isn’t what he wanted to hear.


When Frank first discovered this fraud took place, Frank was highly so upset. Someone out there has a lot of personal information about him and can use that to gain credit in his name.


Frank had more phone calls to make during that time to clear his name for the debt that was incurred by someone else. He needed to go downtown to the Sacramento police station with everything that proves who Frank Yan was.

As this mess whirled around him, Frank really wanted to just felt going to find the person that stole his identity. Frank didn’t blow all this all out of proportion. It could have been a lot worse for him. And fortunately he found out it did happen, otherwise he might have not known for a very long time.


Make sure you keep your identity safe. Frank thought he was being careful, shredding all his important financial information, forwarding mail when he moved, etc. The Sacramento police figured that someone stole Frank’s social number off a credit application or something as there was no document that was actually stolen from him. Today, Frank has protected his credit as he had experienced identity theft once. It’s important that we all monitor our credit on a 6 months basis, as our credit scores are our life line to securing credit lines for real estate mortgage loans, car loans, education loans, and even applying for a mobile phone. By protecting your credit, this will prevent any fraud if someone trys to use it.