real estate: Down payments, debt, saving & budgeting related to buying a home. - 10/20/16 07:50 AM
 The lure of the ‘dream home’ is powerful and seductive. Every couple or family yearns to have a beautiful home in the perfect neighborhood. A source of personal satisfaction, comfort and pride.
 
Those who work in real estate or mortgage financing, are aware of this seductive pull. While most agents and lenders want to make their clients happy, very few are encouraging buyers to borrow less, buy less and settle for less. That just sounds bad.
 
I had a conversation about this issue with Denise Downey, a fee-only financial advisor in Spokane, Washington.
 
Denise has experienced the world of finance from a number of … (1 comments)

real estate: Dream Home? It’s Time for a More Meaningful Dream - 05/05/14 02:49 AM
I am not sure how it got started, but the idea of a ‘Dream Home’ has come to mean the biggest most beautiful home you can afford. As it turns out, this isn’t the path to happiness. A ‘Dream Home’ should be the home most compatible with the life you dream of living.
When I was a boy, I shared a room with my brother. Of course, our sister got her own room. It was a small home in a modest but pleasant neighborhood. It may not have been the most ideal arrangement but we did fine. I don’t remember ever … (0 comments)

real estate: Elk Grove, CA Information and homes for sale - 01/01/13 05:35 AM
Elk Grove, CA Information and homes for sale
 
The activity in Elk Grove remains high with investors competing with families to pick up the little inventory that that is finding its way to market.  Short sales, a long time frustration for home buyers often become the better option as banks clearly prefer cash offers to avoid rists associated with financing.  Further with full price and often above market offers, avoiding the need for appraisals is a must.  Investors seem to be willing to pay above a properties potential appraisal value, believing that property values are underpriced and will soon appreciate … (0 comments)

real estate: President Obama Targets Mortgage Securitization Abuses: It's About Time! - 01/26/12 12:55 PM
President Obama Targets Mortgage Securitization Abuses
President Obama announced a new task force during Tuesday's State of the Union address focusing on Mortgage Origination and Securitization Abuses.  The unit will be co-chaired by New York Attorney General Eric Schneiderman and will focus on investigating the financial institutions responsible for the housing collapse.
In the address Obama asked that federal prosecutors and Attorney's General work together to expand the investigation.
I bet some people start losing sleep
“This new unit will hold accountable those who broke the law, speed assistance to homeowners and help turn the page on an era of recklessness … (1 comments)

real estate: Elementary Schools- Anna Kirchgater Elementary School - 01/31/10 02:08 PM
Elementary Schools- Anna Kirchgater Elementary School 
Schools in Sacramento, within the Elk Grove Unified School DistrictAnna Kirchgater Elementary School  is named for the legendary Anna Kirchgater, a long time teacher of Elk Grove Grammar School. Our mission is to create a learning environment that will BUILD in students a strong sense of self-esteem; ENABLE students to appreciate their own uniqueness and the diversity of others; STIMULATE students' minds toward learning; and TEACH students to be respectful, responsible and resourceful.Anna Kirchgater Elementary School: http://www.egusd.net/kirchgater/
8141 Stevenson Ave.Sacramento, CA 95828Main: 916-689-9150Fax: 916-689-7938Principal - Larry QuismondoVice Principal - Peter LewSecretary - Josette Portee
County:  … (1 comments)

real estate: Elk Grove Homes - Schools in the Elk Grove Unified School District - 01/24/10 12:50 PM
 Elk Grove Homes - Schools in the Elk Grove Unified School District
Samuel Jackman MiddleSchools in Sacramento, within the Elk Grove Unified School District
Web: http://www.egusd.net/jackman/
Samuel Jackman Middle School7925 Kentwal Dr. Sacramento, CA 95823- Phone (916) 393-2352 CDS: 34 - 67314 - 6109821
Principal: William Del Bonta,Vice Principal: Justine FullerVice Principal: Roxanna Villasenor
County:  SacramentoDistrict:  Elk Grove Unified School DistrictEnrollment:  Grades 7-8,  964 studentsAverage Class Size:  26.9
For more information go to Our Website: http://www.betterhomelessmoney.com/Schools.html
District/School Boundary Information: http://www.egusd.net/new_to_egusd/boundaries.cfm
 
Elk Grove Homes For Sale
www.SacramentoBill.com
www.BetterHomeLessMoney.com
Elk Grove Homes
(0 comments)

real estate: Elk Grove Home Search - Schools in Elk Grove Unified School Disctrict - 01/24/10 11:27 AM
Elk Grove Home Search - Schools in Elk Grove Unified School Disctrict

Valley High                  Schools in Sacramento, within the Elk Grove Unified School District
MISSION STATEMENTOur task at Valley High School is to provide learning opportunities for students that empower them to become responsible, ethical citizens who are both academically and technologically adept. We also require students to employ complex thinking skills in order to solve problems as individuals and as group members.  Lastly, we strive to find opportunities that will enhance students' ability to participate in, and contribute to, a culturally diverse society.
Web: http://valleyhs.schoolloop.com/
Valley High School 6300 … (0 comments)

real estate: Schools in Sacramento, within the Elk Grove Unified School District. - 01/24/10 11:19 AM
Pleasant Grove High    
Schools in Sacramento, within the Elk Grove Unified School District.
Schools in Elk Grove, within the Elk Grove Unified School DistrictWeb: http://www.pghs.schoolloop.com/
9531 Bond Rd. Elk Grove, CA 95624- Phone (916) 686-0230 CDS: 34 - 67314 - 0108753
Principal: Meyer, Hank Assistant Principal: Michelle DoironAssistant Principal: Assistant Principal
County:  SacramentoDistrict:  Elk Grove Unified School DistrictEnrollment:  Grades 9-12  2194 StudentsAverage Class Size:  29.8
For more information go to Our Website: http://www.betterhomelessmoney.com/Schools.html
District/School Boundary Information: http://www.egusd.net/new_to_egusd/boundaries.cfm
Elk Grove Real Estate Search
www.SacramentoBill.com
www.BetterHomeLessMoney.com
(0 comments)

real estate: Schools in Sacramento, within the Elk Grove Unified School District. - 01/24/10 11:16 AM
Schools in Sacramento, within the Elk Grove Unified School District.
Monterey Trail High      Schools in Elk Grove, within the Elk Grove Unified School District.Web: http://mths.schoolloop.com/
Monterey Trail High School 8661 Power Inn Road, Elk Grove, CA 95624 916-688-0050 Phone | 916-688-0058 Fax
Principal: Garcia, DerkAssistant Principal: Soto, Denise
County:  SacramentoDistrict:  Elk Grove Unified School DistrictEnrollment:  Grades 9-12  2241 StudentsAverage Class Size:  32.3
For more information go to Our Website: http://www.betterhomelessmoney.com/Schools.html
District/School Boundary Information: http://www.egusd.net/new_to_egusd/boundaries.cfm
Elk Grove Real Estate Search
www.SacramentoBill.com
www.BetterHomeLessMoney.com
(0 comments)

real estate: Strong Loan Approval Letters Make Better Buyers in Sacramento - 01/09/10 02:02 PM
Strong Loan Approval Letters Make Better Buyers in Sacramento
Part of preparing to buy a home at the best possible price is preparing yourself financially.  Sellers choose the best possible offer and that is not always the highest offer.
  
 
 
www.BetterHomeLessMoney.com
www.SacramentoBill.com
 
 
 
(3 comments)

real estate: Evaluating schools during your home search - 01/04/10 11:10 AM
Evaluating schools during your home search
Every home buyer knows that the quality of local schools impacts home prices and values.  And if you have kids...forget about it (I used to live in New York) schools become part of your social network.
Schoolmates become your children's friends.  They will have sleep overs together, go to games together, join teams together, date each other (YIKES!!!).
And you get to know the parents as well.  In fact, most of Karyn and my social network is based on the parents of our childrens' friends. 
School quality also affects resale value when it's time to sell.  Homes will … (3 comments)

real estate: No flood insurance could leave Natomas Real Estate underwater-in more ways than one - 12/14/09 12:31 PM
No flood insurance could leave Natomas Real Estate underwater!
There is a large condo development in North Natomas that has let their flood insurance lapse.  Apparently with the large number of bank owned properties in this development not making HOA payments the Association claims not to have enough money to pay the flood insurance.  Yikes!
In fact the HOA when queried has been fairly unresponsive on the subject.
I hope we don't have any flooding this year.
Natomas Real Estate was further impacted by the rezoning of the area last December.  Already depressed Natomas Real Estate values dropped another 5%-10% in the … (0 comments)

real estate: Elk Grove Homes For Sale at 50% Off! - 12/13/09 10:39 AM
Elk Grove homes for sale at half price!
It has been a brutal few years for homeowners in Elk Grove California.  Prices are down as much as 50% from their highs a few years back.
And while that is a harsh reality for all of us that own homes, new homebuyers are essentially finding Elk Grove homes for sale at half price.  An entire population of first time homebuyers that had been priced out of the market now has a second bite at the apple.
I think most people would agree that Sacramento real estate has taken a beating, and the Elk Grove homes for … (1 comments)

 
Bill Joyce (Charter~Home)

Bill Joyce

Sacramento, CA

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Charter~Home

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