Charter~Home is an independent real estate Brokerage headquartered in Sacramento, California. We provide brokerage services for homeowners and investors looking to navigate what has become an increasingly complex business.
Charter~Home is centered around a few fundamental beliefs.
1) Residential real estate has become a much less predictable and a less certain financial choice. For many years the home has been considered a families 'nest egg' providing a foundation for building wealth and financial independence. This has been undermined over the years by well intentioned legislative efforts, Federal Reserve interest rate policy and corporate abuse in the housing and mortgage markets.
2) While home ownership has long been a sensible staple for building wealth, this very ubiquity may be its undoing. Our abundant confidence in home ownership as a financial vehicle has lead the revolution of a changing public opinion towards increased debt, greater expense and luxury and the desire to move more frequently. We no longer treat home ownership with the reverence that made it a 'nest egg', rather a reliance that it simply is our 'nest egg' resulting in an overconfidence in housing related decisions. Combined with the growing interest of large institutional investors seeking profits in both the housing and mortgage markets and we find that houses have become more commodity than community. There is a lyric in an Eagles' song ... "call someplace paradise, kiss it goodbye"
3) Choice and decisions in home ownership will become increasingly vital for the long term personal and financial success of the ordinary American: We believe the next thirty years will look different than the last thirty for most of us. Increasing financial pressures along with economic uncertainties on a global scale will bring a shift in thinking about housing and home ownership.
As cynical as these beliefs may sound, this is a wonderful time to be alive, and there is no better place on earth to live. While not without some pain and frustration, the changes ahead are promising and will lead to a more contemporary view of the 'American Dream'. At Charter~Home, we don't have all the answers...but we are asking the questions and helping our clients make the most informed choices possible for their futures.