Charter~Home (916) 206-7282
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Better, more prepared buyers, get better buys

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If you want to get a better home for less money, then become a better buyer. A better buyer is someone who prepares for their home purchase, putting their finances in order and mastering their small slice of the real estate market. And by doing so, these homebuyers put themselves in the position of buying the very best home at the very lowest cost.

Better buying is like getting ready for the big dance or making sure you’re totally organized for that important job interview. Better buyers prepare for what is undoubtedly the biggest and most important purchase of their lives. They make their luck by preparing and being ready for opportunities that present themselves. Better buying is not about playing hard to get, broadcasting “we’re not in a hurry,” as if that might inspire eager sellers to chase them. Sellers are quick to dismiss (or take advantage of) the timid nansy pansy buyer.

First and foremost, better buyers put themselves in the position of being ready and willing to buy. That means learning how much you can afford, managing your credit picture and getting pre-approved for the best possible loan.

Better buyers also do their homework. They invest the time to explore what they really want and need and the value of this in the local marketplace. They drive neighborhoods and see plenty of homes and come to know for themselves if a home is overpriced…or bargain priced.

Finally, a better buyer decides when they’re ready to purchase and is prepared to be decisive about what they want and what they are willing to pay. The better buyer is prepared to buy because they’ve got all of their ducks in a row and are ready for a premium opportunity.

Better buyers:

* Know(or learn) what they want
* Know what they have to spend
* Prepare to act.
* Have the clout of a quality lender behind them.
* Possess the power to negotiate.
* Are engaged in the home buying process.
* Can trump other homebuyers who are not better buyers.

Becoming a better buyer doesn’t happen overnight, but with our help, it will happen quickly. Becoming a better buyer isn't hard or scary...it's empowering.

We’ll put you into the position of knowing a good buy when you find one, knowing your credit capability and being prepared to assert your buying power to get the best home at the best price.

At www.BetterHomeLessMoney.com, we can make you a better buyer. Contact us today and you’ll have the power to purchase a better home for less money.

By Bill Joyce, Broker (916) 206-7282 Google


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Articles and videos with information and answers to the most common (and sometimes uncommon) questions that home buyers have. We believe that education and preparation are the key to a successful and satisfying home purchase.


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New Home Listings in Sacramento

416 Celebration Ct Roseville, CA 95747

416 Celebration Ct Roseville, CA 95747

Beds:3 Baths:2 Sq Ft:2311
Gorgeous single story home on a cul-de-sac. Beautifully maintained. Light & airy floor plan. Open concept kitchen, family & breakfast area. Office... Listing broker: Coldwell Banker-Res R E Srv Details
$376,600
416 Celebration Ct Roseville, CA 95747

416 Celebration Ct Roseville, CA 95747

416 Celebration Ct Roseville, CA 95747

Website provided by Bill Joyce, Broker (916) 206-7282
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1310 Champagne Cir Roseville, CA 95747

1310 Champagne Cir Roseville, CA 95747

Beds:4 Baths:3 Sq Ft:2491
This spacious family home sits in the heart of Vineyard Estates, known for it's top rated schools and city services. This beautiful home is big enough... Listing broker: AMS Realty Details
$359,000
1310 Champagne Cir Roseville, CA 95747

1310 Champagne Cir Roseville, CA 95747

1310 Champagne Cir Roseville, CA 95747

Website provided by Bill Joyce, Broker (916) 206-7282
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4437 Falcon Crest Way Turlock, CA 95382

4437 Falcon Crest Way Turlock, CA 95382

Beds:4 Baths:2 Sq Ft:1729
Newer house in great neighborhood. Single story with 4 bedrooms and 2 baths. Fully landscaped. Listing broker: Realty Solution Details
$305,000
4437 Falcon Crest Way Turlock, CA 95382

4437 Falcon Crest Way Turlock, CA 95382

4437 Falcon Crest Way Turlock, CA 95382

Website provided by Bill Joyce, Broker (916) 206-7282
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992 Cameron Dr Folsom, CA 95630

992 Cameron Dr Folsom, CA 95630

Beds:4 Baths:2 Sq Ft:2447
Gorgeous traditional sale with peaceful views in Folsom's Empire Ranch. Four large bedrooms upstairs and a downstairs office/den. Vaulted ceilings in... Listing broker: Redfin Corporation Details
$499,000
992 Cameron Dr Folsom, CA 95630

992 Cameron Dr Folsom, CA 95630

992 Cameron Dr Folsom, CA 95630

Website provided by Bill Joyce, Broker (916) 206-7282
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6228 Westbrook Dr Citrus Heights, CA 95621

6228 Westbrook Dr Citrus Heights, CA 95621

Beds:2 Baths:2 Sq Ft:1234
... Listing broker: Keller Williams Realty Details
$239,900
6228 Westbrook Dr Citrus Heights, CA 95621

6228 Westbrook Dr Citrus Heights, CA 95621

6228 Westbrook Dr Citrus Heights, CA 95621

Website provided by Bill Joyce, Broker (916) 206-7282
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1967 BLUE BELL Cool, CA 95614

1967 BLUE BELL Cool, CA 95614

Beds:3 Baths:2 Sq Ft:1879
WONDERFULLY REMODELED MOUNTAIN RETREAT SURROUNDED BY GORGEOUS TREES WITH NICE LOCAL VIEWS. EXCELLENT FLOOR PLAN, FORMAL LIVING AND DINING ROOM, KITCHEN... Listing broker: Dynamo Realty Details
$259,987
1967 BLUE BELL Cool, CA 95614

1967 BLUE BELL Cool, CA 95614

1967 BLUE BELL Cool, CA 95614

Website provided by Bill Joyce, Broker (916) 206-7282
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8652 SPRING HOUSE Way Elk Grove, CA 95624

8652 SPRING HOUSE Way Elk Grove, CA 95624

Beds:3 Baths:2 Sq Ft:1451
This Home Is Modern And Spacious (Approximately 1,450 Sq Ft). Located Close To Many Conveniences Desired By Homeowners: e.g., Shopping And Schools Are... Listing broker: Nolan Real Estate Details
$249,500
8652 SPRING HOUSE Way Elk Grove, CA 95624

8652 SPRING HOUSE Way Elk Grove, CA 95624

8652 SPRING HOUSE Way Elk Grove, CA 95624

Website provided by Bill Joyce, Broker (916) 206-7282
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8037 Quiet Knolls Dr Antelope, CA 95843

8037 Quiet Knolls Dr Antelope, CA 95843

Beds:4 Baths:2 Sq Ft:2404
Just listed! Great location. 4 large bedrooms, 2.5 bathrooms. New interior paint and new carpet. Separate living and family rooms. Large indoor laundry... Listing broker: Newpoint Realty Services Details
$275,000
8037 Quiet Knolls Dr Antelope, CA 95843

8037 Quiet Knolls Dr Antelope, CA 95843

8037 Quiet Knolls Dr Antelope, CA 95843

Website provided by Bill Joyce, Broker (916) 206-7282
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9297 Caldera Way Sacramento, CA 95826

9297 Caldera Way Sacramento, CA 95826

Beds:4 Baths:2 Sq Ft:1605
2ND CHANCE,ROSEMONT CUTIE IS BACK W/ APPRAISAL! Located parkside this 4 bed 2 bath has tons of upgrades and amenities. The open floorplan is light &... Listing broker: Eagle Realty Details
$282,900
9297 Caldera Way Sacramento, CA 95826

9297 Caldera Way Sacramento, CA 95826

9297 Caldera Way Sacramento, CA 95826

Website provided by Bill Joyce, Broker (916) 206-7282
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5400 Topaz Ave Rocklin, CA 95677

5400 Topaz Ave Rocklin, CA 95677

Beds:3 Baths:2 Sq Ft:1503
Located in the middle of Rocklin... this newly renovated home has been upgraded with a true designer's touch. The open floor plan and huge yard is perfect... Listing broker: The Alfano Group, Inc. Details
$314,900
5400 Topaz Ave Rocklin, CA 95677

5400 Topaz Ave Rocklin, CA 95677

5400 Topaz Ave Rocklin, CA 95677

Website provided by Bill Joyce, Broker (916) 206-7282
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Featured HomesXX

  • 4960 San Francisco Rocklin, CA 95677

    4960 San Francisco Rocklin, CA 95677 4960 San Francisco Rocklin, CA 95677 4960 San Francisco Rocklin, CA 95677 Website provided by Bill Joyce, Broker (916) 206-7282 Google

  • 105 Abrozo Ct Folsom, CA 95630

    105 Abrozo Ct Folsom, CA 95630 105 Abrozo Ct Folsom, CA 95630 105 Abrozo Ct Folsom, CA 95630 Website provided by Bill Joyce, Broker (916) 206-7282 Google

  • 218 Saddle Ct Folsom, CA 95630

    218 Saddle Ct Folsom, CA 95630 218 Saddle Ct Folsom, CA 95630 218 Saddle Ct Folsom, CA 95630 Website provided by Bill Joyce, Broker (916) 206-7282 Google

  • 16 Marty Cir Roseville, CA 95678

    16 Marty Cir Roseville, CA 95678 16 Marty Cir Roseville, CA 95678 16 Marty Cir Roseville, CA 95678 Website provided by Bill Joyce, Broker (916) 206-7282 Google

  • 2107 Elm St Lodi, CA 95242

    2107 Elm St Lodi, CA 95242 2107 Elm St Lodi, CA 95242 2107 Elm St Lodi, CA 95242 Website provided by Bill Joyce, Broker (916) 206-7282 Google

  • 683 Sandpiper Cir Lodi, CA 95240

    683 Sandpiper Cir Lodi, CA 95240 683 Sandpiper Cir Lodi, CA 95240 683 Sandpiper Cir Lodi, CA 95240 Website provided by Bill Joyce, Broker (916) 206-7282 Google

  • 6500 Onyx Trl Pollock Pines, CA 95726

    6500 Onyx Trl Pollock Pines, CA 95726 6500 Onyx Trl Pollock Pines, CA 95726 6500 Onyx Trl Pollock Pines, CA 95726 Website provided by Bill Joyce, Broker (916) 206-7282 Google

  • 1231 Trail End Way Sacramento, CA 95834

    1231 Trail End Way Sacramento, CA 95834 1231 Trail End Way Sacramento, CA 95834 1231 Trail End Way Sacramento, CA 95834 Website provided by Bill Joyce, Broker (916) 206-7282 Google

  • 1109 Carrie St West Sacramento, CA 95605

    1109 Carrie St West Sacramento, CA 95605 1109 Carrie St West Sacramento, CA 95605 1109 Carrie St West Sacramento, CA 95605 Website provided by Bill Joyce, Broker (916) 206-7282 Google

  • 3560 Imperial Way Sacramento, CA 95826

    3560 Imperial Way Sacramento, CA 95826 3560 Imperial Way Sacramento, CA 95826 3560 Imperial Way Sacramento, CA 95826 Website provided by Bill Joyce, Broker (916) 206-7282 Google

  • 6228 Westbrook Dr Citrus Heights, CA 95621

    6228 Westbrook Dr Citrus Heights, CA 95621 6228 Westbrook Dr Citrus Heights, CA 95621 6228 Westbrook Dr Citrus Heights, CA 95621 Website provided by Bill Joyce, Broker (916) 206-7282 Google

  • 3149 Lea Sterling Way Rancho Cordova, CA 95670

    3149 Lea Sterling Way Rancho Cordova, CA 95670 3149 Lea Sterling Way Rancho Cordova, CA 95670 3149 Lea Sterling Way Rancho Cordova, CA 95670 Website provided by Bill Joyce, Broker (916) 206-7282 Google

  • 2407 Carr Ct Rocklin, CA 95765

    2407 Carr Ct Rocklin, CA 95765 2407 Carr Ct Rocklin, CA 95765 2407 Carr Ct Rocklin, CA 95765 Website provided by Bill Joyce, Broker (916) 206-7282 Google

  • 5111 yvonne Way Sacramento, CA 95823

    5111 yvonne Way Sacramento, CA 95823 5111 yvonne Way Sacramento, CA 95823 5111 yvonne Way Sacramento, CA 95823 Website provided by Bill Joyce, Broker (916) 206-7282 Google

  • 664 Mendocino Ct Los Banos, CA 93635

    664 Mendocino Ct Los Banos, CA 93635 664 Mendocino Ct Los Banos, CA 93635 664 Mendocino Ct Los Banos, CA 93635 Website provided by Bill Joyce, Broker (916) 206-7282 Google