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

4630 Longview Dr Rocklin, CA 95677

4630 Longview Dr Rocklin, CA 95677

Beds:4 Baths:3 Sq Ft:2517
Beautiful single story home located on the Greenbelt! Bright and Open Floor Plan. Two Toned Paint, Plantation Shutters. Expansive Great Room. Gorgeous... Listing broker: Keller Williams Realty Details
$535,000
4630 Longview Dr Rocklin, CA 95677

4630 Longview Dr Rocklin, CA 95677

4630 Longview Dr Rocklin, CA 95677

Website provided by Bill Joyce, Broker (916) 206-7282
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403 First Street Ripon, CA 95366

403 First Street Ripon, CA 95366

Beds:6 Baths:3 Sq Ft:3041
One of Ripon's most exclusive and unique homes! Corner lot with 3 stories, 6 bedrooms and 2 bathrooms. 2 Houses on lot, separate apartment has 2 additional... Listing broker: Snyder Real Estate Services Details
$570,000
403 First Street Ripon, CA 95366

403 First Street Ripon, CA 95366

403 First Street Ripon, CA 95366

Website provided by Bill Joyce, Broker (916) 206-7282
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598 Iyu Camp Ln Applegate, CA 95703

598 Iyu Camp Ln Applegate, CA 95703

Beds:3 Baths:2 Sq Ft:2421
The pictures are worth a thousand words! Lovely home w/3bd, 2.5ba,+ loft-office-playroom + cool attic space + lavender drying room + living room + family... Listing broker: Kraft Real Estate Details
$429,000
598 Iyu Camp Ln Applegate, CA 95703

598 Iyu Camp Ln Applegate, CA 95703

598 Iyu Camp Ln Applegate, CA 95703

Website provided by Bill Joyce, Broker (916) 206-7282
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5918 Blackstone Dr Rocklin, CA 95765

5918 Blackstone Dr Rocklin, CA 95765

Beds:3 Baths:2 Sq Ft:1691
Immaculate home located on a wide street in highly desirable Rocklin neighborhood with top rated school district. Enjoy new pergo flooring in all rooms.... Listing broker: Security Pacific Real Estate Details
$359,000
5918 Blackstone Dr Rocklin, CA 95765

5918 Blackstone Dr Rocklin, CA 95765

5918 Blackstone Dr Rocklin, CA 95765

Website provided by Bill Joyce, Broker (916) 206-7282
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2901 Kadema Dr Sacramento, CA 95864

2901 Kadema Dr Sacramento, CA 95864

Beds:4 Baths:2 Sq Ft:2424
Must See! Stunning Remodeled Sierra Oaks home across from the American River Parkway. Dream Chef's Kitchen with top of the line everything. Outdoor... Listing broker: RE/MAX Gold Sierra Oaks Details
$712,000
2901 Kadema Dr Sacramento, CA 95864

2901 Kadema Dr Sacramento, CA 95864

2901 Kadema Dr Sacramento, CA 95864

Website provided by Bill Joyce, Broker (916) 206-7282
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9060 Greenback Ln Orangevale, CA 95662

9060 Greenback Ln Orangevale, CA 95662

Beds:3 Baths:3 Sq Ft:2032
New semi-custom home under construction will be ready in late July! Located in the gated community of Amani Place, close to schools, shopping and freeways.... Listing broker: Coldwell Banker-Res R E Srv Details
$365,500
9060 Greenback Ln Orangevale, CA 95662

9060 Greenback Ln Orangevale, CA 95662

9060 Greenback Ln Orangevale, CA 95662

Website provided by Bill Joyce, Broker (916) 206-7282
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1640 Iroquois Rd Rocklin, CA 95765

1640 Iroquois Rd Rocklin, CA 95765

Beds:5 Baths:3 Sq Ft:3106
HURRY TO ONE OF THE MOST SOUGHT AFTER NEIGHBORHOODS IN ROCKLIN! FEATURES INCLUDE, 5 BEDROOMS (1BR & BATH DOWN), 3 FULL BATHS, BRIGHT & LIGHT EAT... Listing broker: SunCal Real Estate Group Details
$589,000
1640 Iroquois Rd Rocklin, CA 95765

1640 Iroquois Rd Rocklin, CA 95765

1640 Iroquois Rd Rocklin, CA 95765

Website provided by Bill Joyce, Broker (916) 206-7282
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7703 TOWE Ct Hilmar, CA 95324

7703 TOWE Ct Hilmar, CA 95324

Beds:3 Baths:2 Sq Ft:2170
ZERO NET ENERGY HOME. WITH THE USE OF SOLAR PANELS & GEO THERMO HEAT PUMP THIS IS A UNIQUE OPPORTUNITY TO OWN A HOME WITH ALMOST ZERO MONTHLY ENERGY... Listing broker: Century 21 M & M and Assoc. Details
$359,900
7703 TOWE Ct Hilmar, CA 95324

7703 TOWE Ct Hilmar, CA 95324

7703 TOWE Ct Hilmar, CA 95324

Website provided by Bill Joyce, Broker (916) 206-7282
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13000 Pasquale Rd Nevada City, CA 95959

13000 Pasquale Rd Nevada City, CA 95959

No properties were found.
13000 Pasquale Rd Nevada City, CA 95959

13000 Pasquale Rd Nevada City, CA 95959

13000 Pasquale Rd Nevada City, CA 95959

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

9809 Mosswood Cir Folsom, CA 95630

9809 Mosswood Cir Folsom, CA 95630

Beds:3 Baths:2 Sq Ft:3100
What an opportunity to own a home on 2.37 acres(two lots) in Folsom. Rock outcroppings in a beautiful setting. Nice recent updates have been done to this... Listing broker: Prime California Homes Details
$699,000
9809 Mosswood Cir Folsom, CA 95630

9809 Mosswood Cir Folsom, CA 95630

9809 Mosswood Cir Folsom, CA 95630

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

  • 8759 Crocus Ct Elk Grove, CA 95624

    8759 Crocus Ct Elk Grove, CA 95624 8759 Crocus Ct Elk Grove, CA 95624 8759 Crocus Ct Elk Grove, CA 95624 Website provided by Bill Joyce, Broker (916) 206-7282 Google

  • 1113 Houston Cir Folsom, CA 95630

    1113 Houston Cir Folsom, CA 95630 1113 Houston Cir Folsom, CA 95630 1113 Houston Cir Folsom, CA 95630 Website provided by Bill Joyce, Broker (916) 206-7282 Google

  • 3418 Rainhill Loop Roseville, CA 95747

    3418 Rainhill Loop Roseville, CA 95747 3418 Rainhill Loop Roseville, CA 95747 3418 Rainhill Loop Roseville, CA 95747 Website provided by Bill Joyce, Broker (916) 206-7282 Google

  • 2137 Ellesmere Loop Roseville, CA 95747

    2137 Ellesmere Loop Roseville, CA 95747 2137 Ellesmere Loop Roseville, CA 95747 2137 Ellesmere Loop Roseville, CA 95747 Website provided by Bill Joyce, Broker (916) 206-7282 Google

  • 8232 Granite Dr Granite Bay, CA 95746

    8232 Granite Dr Granite Bay, CA 95746 8232 Granite Dr Granite Bay, CA 95746 8232 Granite Dr Granite Bay, CA 95746 Website provided by Bill Joyce, Broker (916) 206-7282 Google

  • 5030 Edgewood Drive Salida, CA 95368

    5030 Edgewood Drive Salida, CA 95368 5030 Edgewood Drive Salida, CA 95368 5030 Edgewood Drive Salida, CA 95368 Website provided by Bill Joyce, Broker (916) 206-7282 Google

  • 4801 Minersfield Ct Granite Bay, CA 95746

    4801 Minersfield Ct Granite Bay, CA 95746 4801 Minersfield Ct Granite Bay, CA 95746 4801 Minersfield Ct Granite Bay, CA 95746 Website provided by Bill Joyce, Broker (916) 206-7282 Google

  • 132 Blue Bonnet Ct Roseville, CA 95661

    132 Blue Bonnet Ct Roseville, CA 95661 132 Blue Bonnet Ct Roseville, CA 95661 132 Blue Bonnet Ct Roseville, CA 95661 Website provided by Bill Joyce, Broker (916) 206-7282 Google

  • 907 Cardoza Rd Los Banos, CA 93635

    907 Cardoza Rd Los Banos, CA 93635 907 Cardoza Rd Los Banos, CA 93635 907 Cardoza Rd Los Banos, CA 93635 Website provided by Bill Joyce, Broker (916) 206-7282 Google

  • 2125 Tokay Ave Turlock, CA 95380

    2125 Tokay Ave Turlock, CA 95380 2125 Tokay Ave Turlock, CA 95380 2125 Tokay Ave Turlock, CA 95380 Website provided by Bill Joyce, Broker (916) 206-7282 Google

  • 1937 Cottage Ct Stockton, CA 95207

    1937 Cottage Ct Stockton, CA 95207 1937 Cottage Ct Stockton, CA 95207 1937 Cottage Ct Stockton, CA 95207 Website provided by Bill Joyce, Broker (916) 206-7282 Google

  • 514 Hi Pines Ranch Rd Colfax, CA 95713

    514 Hi Pines Ranch Rd Colfax, CA 95713 514 Hi Pines Ranch Rd Colfax, CA 95713 514 Hi Pines Ranch Rd Colfax, CA 95713 Website provided by Bill Joyce, Broker (916) 206-7282 Google

  • 4508 Colorado Ave Turlock, CA 95382

    4508 Colorado Ave Turlock, CA 95382 4508 Colorado Ave Turlock, CA 95382 4508 Colorado Ave Turlock, CA 95382 Website provided by Bill Joyce, Broker (916) 206-7282 Google

  • 4658 Dorchester Ln Granite Bay, CA 95746

    4658 Dorchester Ln Granite Bay, CA 95746 4658 Dorchester Ln Granite Bay, CA 95746 4658 Dorchester Ln Granite Bay, CA 95746 Website provided by Bill Joyce, Broker (916) 206-7282 Google

  • 1574 Ballou Cir Folsom, CA 95630

    1574 Ballou Cir Folsom, CA 95630 1574 Ballou Cir Folsom, CA 95630 1574 Ballou Cir Folsom, CA 95630 Website provided by Bill Joyce, Broker (916) 206-7282 Google