Gene and Olga Sais' Blog

Posted on 11/15/2020
Energy Tax Credits: Bank Shiny New Savings by Going Solar
Photo by Photo Mix Company via Pixabay Are you familiar with the ITC? That's the Investment Tax Credit that went into effect in 2005. Since then, it's been extended several times, and now covers homeowners, in some portion, through the year 2021. The ITC is also often referred to as the Federal Solar Tax Credit, and it's been...
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Posted on 11/15/2020
Another Property Sold - 2362 Central Avenue, Riverside, CA 92506
Back on Market - Buyer could not perform - Bring your pool man and plasterer, paint brush, and clean-up crews. This home could use some TLC. But, oh my, this is a very nice ranch style home in one of the best areas of Riverside. Alcott Elementary School is directly across the street, and one of the most prestige schools in California, Polytechnic (Poly) High School is just doors away. Home offers a very large 12,632 square foot lot with a Pool, two Sheds, Playhouse and an underground "Man Cave". In addition to that, Detached Garage, Breezeway, Granite Counter Tops, newer A/C unit and Water Heater, RV Parking, Fireplace, Inside Laundry, and...
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Posted on 11/08/2020
Mortgage Penalties: Prepayment
Photo by Steve Buissinne via Pixabay Most are familiar with the key components of a mortgage: how much you're borrowing, what your interest rate is, how many years you'll be paying your mortgage back. There are many, however, who do not understand some of the finer details, including what prepayment penalties are and how they may affect you...
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Posted on 11/01/2020
5 Steps for Effective Meal Planning
Photo by Vegan Liftz from Pexels Some people seem like born organizers, especially when it comes to meal planning. In reality, it's a skill you can cultivate. Let us show you how to do just that, in five doable steps. 1. Commit to the Effort Any goal — exercising more, learning a new language or planning meals —...
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Posted on 10/25/2020
How to Secure a Conventional Loan
Photo by Evan Dvorkin on Unsplash A conventional loan is the most common type of mortgage used to secure a home purchase. Conventional loans are backed by private lenders and typically conform to the standards established by Fannie Mae and Freddie Mac. In order to qualify for a conventional loan, you must meet several specific requirements. 1. Debt-to-income...
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Posted on 10/18/2020
Recipe: Pecan, Coconut & Date Bars
Photo by Polina Tankilevitch from Pexels Looking for a healthful treat? One that will keep you energized when you need a boost? Or a treat for the kids to replace sweets or cookies? These scrumptious Pecan, Coconut & Date Bars might be just what you're looking for. Great for travel, camping or giving to friends and co-workers, they...
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Posted on 10/11/2020
Why Hire a Professional?
Photo by oneSHUTTER oneMEMORY via Shutterstock When it comes to home improvement, renovations, upgrades and expansions, seek the assistance of a professional. Why do you need a pro? Unless you built your home yourself, you might not understand all the factors that combine to engineer a house such as the electrical needs to support the load and the...
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Posted on 10/04/2020
Buying a Home without Representation Can Be Risky
Photo by Gerd Altmann via Pixabay It may be tempting to purchase your first home without the help of a real estate agent. If you want to risk not having professional help to buy your first house, you can, but you’ll be leaving a lot of benefits on the table and assuming all the risks. The Benefits of...
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Posted on 09/27/2020
Buying a Zombie Property
Photo by Curtis Adams from Pexels Zombie properties are homes that have been visibly abandoned but actual ownership has not. The term became popular in the housing industry during the 2007-08 housing crisis when people being unable to make their mortgage payments reached a catastrophic point. According to ATTOM Data Solutions, a firm that tracks different types of...
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Posted on 09/26/2020
Another Property Sold - 3360 N Golden Avenue, San Bernardino, CA 92404
Wow!!! Major price reduction of $10,000. Property is North of the 210 freeway. And is a great 3 bedroom 1.75 bath home, including a huge Family Room with Fireplace and Sliding Glass Doors leading to a nice Covered Patio, and Oh My, a HUGE back yard!!!!! With potential for RV parking and lets not forget potential for a swimming pool!!!!. Views to the mountains. Home has BRAND New Carpet, BRAND New Paint. BRAND New laminate Hardwood Floors. Double pane windows, huge front porch, large kitchen with lots of cabinets and a water line for that refrigerator. And in a GREAT neighborhood. Has a large front yard. Contractors are still working on the...
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Posted on 09/20/2020
Build a Terrarium
Image by AndyFaeth from Pixabay If you're searching for ways to introduce a little extra green into your home and at the same time learn a satisfying hobby consider building a terrarium. Putting together a terrarium is a learning experience for grown-ups and can draw in kids as well. Not only do you see your handiwork grow and...
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Posted on 09/13/2020
How to Master the Home Selling Journey
A home seller may encounter many challenges after he or she decides to list a residence. Fortunately, there are lots of things you can do to increase the likelihood of enjoying a seamless house selling experience. Now, let's take a look at three tips to help you master the home selling journey. 1. Conduct an In-Depth Home Evaluation Your...
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