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

13625 Manion Canyon Rd Grass Valley, CA 95945

13625 Manion Canyon Rd Grass Valley, CA 95945

No properties were found.
13625 Manion Canyon Rd Grass Valley, CA 95945

13625 Manion Canyon Rd Grass Valley, CA 95945

13625 Manion Canyon Rd Grass Valley, CA 95945

Website provided by Bill Joyce, Broker (916) 206-7282
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4917 Knights Way Rocklin, CA 95765

4917 Knights Way Rocklin, CA 95765

Beds:4 Baths:3 Sq Ft:2822
Beautiful San Marin home w/lots of space including a bonus sports room which was a 4th car garage option. 3 week NEW neutral carpets in upstairs &... Listing broker: Better Homes and Gardens RE Details
$499,900
4917 Knights Way Rocklin, CA 95765

4917 Knights Way Rocklin, CA 95765

4917 Knights Way Rocklin, CA 95765

Website provided by Bill Joyce, Broker (916) 206-7282
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5550 Hardrock Ln Foresthill, CA 95631

5550 Hardrock Ln Foresthill, CA 95631

Beds:3 Baths:2 Sq Ft:2102
All useable acreage with great family home! Horse set up in place! Automatic gates to your level park like forested setting. Home is well cared for... Listing broker: RE/MAX Gold Details
$399,000
5550 Hardrock Ln Foresthill, CA 95631

5550 Hardrock Ln Foresthill, CA 95631

5550 Hardrock Ln Foresthill, CA 95631

Website provided by Bill Joyce, Broker (916) 206-7282
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8337 Lakeland Dr Granite Bay, CA 95746

8337 Lakeland Dr Granite Bay, CA 95746

Beds:3 Baths:2 Sq Ft:1392
What a find, a tastefully remodeled home in Granite Bay for under $400k! Gorgeous kitchen features all new cabinets, granite counter tops with stunning... Listing broker: Coldwell Banker-Res R E Srv Details
$399,000
8337 Lakeland Dr Granite Bay, CA 95746

8337 Lakeland Dr Granite Bay, CA 95746

8337 Lakeland Dr Granite Bay, CA 95746

Website provided by Bill Joyce, Broker (916) 206-7282
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2160 Trimstone Way Roseville, CA 95747

2160 Trimstone Way Roseville, CA 95747

Beds:3 Baths:2 Sq Ft:2002
MUST SEE Former Pulte MODEL HOME in desirable Westpark neighborhood of Roseville, 1 block from park and school! Enjoy open, bright, great room floor plan... Listing broker: Sellstate Realty First Details
$375,000
2160 Trimstone Way Roseville, CA 95747

2160 Trimstone Way Roseville, CA 95747

2160 Trimstone Way Roseville, CA 95747

Website provided by Bill Joyce, Broker (916) 206-7282
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1946 Omega Way Lincoln, CA 95648

1946 Omega Way Lincoln, CA 95648

Beds:3 Baths:2 Sq Ft:2052
2013 home in TWELVE BRIDGES. Average energy cost only $86/mo! SO MANY EXTRAS! Buyer KEEPS ALL APPLIANCES: KitchenAid s-by-s fridge, TWO ranges/gas&elect,... Listing broker: Coldwell Banker-Res R E Srv Details
$379,900
1946 Omega Way Lincoln, CA 95648

1946 Omega Way Lincoln, CA 95648

1946 Omega Way Lincoln, CA 95648

Website provided by Bill Joyce, Broker (916) 206-7282
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3000 Collingham Modesto, CA 95355

3000 Collingham Modesto, CA 95355

Beds:5 Baths:3 Sq Ft:3132
Beautiful 5 Bedoom 3 Bath, Gorgeous Plantation shutters, A large spacious kitchen for the chef with large island, An incredible Master Suite with large... Listing broker: Century 21 M&M and Associates Details
$349,000
3000 Collingham Modesto, CA 95355

3000 Collingham Modesto, CA 95355

3000 Collingham Modesto, CA 95355

Website provided by Bill Joyce, Broker (916) 206-7282
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9157 Camden Lake Way Elk Grove, CA 95624

9157 Camden Lake Way Elk Grove, CA 95624

Beds:5 Baths:3 Sq Ft:3240
Lakefront new home in prestigious Camden Passage! No HOA fees! Amazing views from every front window and balcony, OUTSTANDING LOCATION, CLOSE TO BEST SCHOOLS,... Listing broker: Pinnacle Real Estate Group Details
$599,950
9157 Camden Lake Way Elk Grove, CA 95624

9157 Camden Lake Way Elk Grove, CA 95624

9157 Camden Lake Way Elk Grove, CA 95624

Website provided by Bill Joyce, Broker (916) 206-7282
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2454 Scenic Dr Modesto, CA 95355

2454 Scenic Dr Modesto, CA 95355

Beds:4 Baths:4 Sq Ft:4247
This is an opportunity that does not come along very often. Close to town, yet tucked away undetected, is a spectacular setting on over 2 landscaped acres... Listing broker: PMZ Real Estate Details
$1,575,000
2454 Scenic Dr Modesto, CA 95355

2454 Scenic Dr Modesto, CA 95355

2454 Scenic Dr Modesto, CA 95355

Website provided by Bill Joyce, Broker (916) 206-7282
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930 Ellen St Stockton, CA 95215

930 Ellen St Stockton, CA 95215

Beds:3 Baths:2 Sq Ft:1430
This property is has unique property lines. The site is zoned for light industrial.The house has 3bedroom 2 baths over 2 acres in all. Listing broker: Prudential California Realty Details
$800,000
930 Ellen St Stockton, CA 95215

930 Ellen St Stockton, CA 95215

930 Ellen St Stockton, CA 95215

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

  • 3135 Montrose Way El Dorado Hills, CA 95762

    3135 Montrose Way El Dorado Hills, CA 95762 3135 Montrose Way El Dorado Hills, CA 95762 3135 Montrose Way El Dorado Hills, CA 95762 Website provided by Bill Joyce, Broker (916) 206-7282 Google

  • 4101 Green Knoll Rd Salida, CA 95368

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  • 3224 Justin Ct Tracy, CA 95377

    3224 Justin Ct Tracy, CA 95377 3224 Justin Ct Tracy, CA 95377 3224 Justin Ct Tracy, CA 95377 Website provided by Bill Joyce, Broker (916) 206-7282 Google

  • 3350 Majestic Ct Rocklin, CA 95765

    3350 Majestic Ct Rocklin, CA 95765 3350 Majestic Ct Rocklin, CA 95765 3350 Majestic Ct Rocklin, CA 95765 Website provided by Bill Joyce, Broker (916) 206-7282 Google

  • 3132 Rocky Mountain Dr San Jose, CA 95127

    3132 Rocky Mountain Dr San Jose, CA 95127 3132 Rocky Mountain Dr San Jose, CA 95127 3132 Rocky Mountain Dr San Jose, CA 95127 Website provided by Bill Joyce, Broker (916) 206-7282 Google

  • 772 Sage Dr Vacaville, CA 95687

    772 Sage Dr Vacaville, CA 95687 772 Sage Dr Vacaville, CA 95687 772 Sage Dr Vacaville, CA 95687 Website provided by Bill Joyce, Broker (916) 206-7282 Google

  • 2311 Talking Pines Ct Cool, CA 95614

    2311 Talking Pines Ct Cool, CA 95614 2311 Talking Pines Ct Cool, CA 95614 2311 Talking Pines Ct Cool, CA 95614 Website provided by Bill Joyce, Broker (916) 206-7282 Google

  • 843 Cinnamon Teal Way Manteca, CA 95337

    843 Cinnamon Teal Way Manteca, CA 95337 843 Cinnamon Teal Way Manteca, CA 95337 843 Cinnamon Teal Way Manteca, CA 95337 Website provided by Bill Joyce, Broker (916) 206-7282 Google

  • 2400 Winterrush Ln Lincoln, CA 95648

    2400 Winterrush Ln Lincoln, CA 95648 2400 Winterrush Ln Lincoln, CA 95648 2400 Winterrush Ln Lincoln, CA 95648 Website provided by Bill Joyce, Broker (916) 206-7282 Google

  • 5814 Tudor Way Loomis, CA 95650

    5814 Tudor Way Loomis, CA 95650 5814 Tudor Way Loomis, CA 95650 5814 Tudor Way Loomis, CA 95650 Website provided by Bill Joyce, Broker (916) 206-7282 Google

  • 1946 Amberwood Ct Stockton, CA 95207

    1946 Amberwood Ct Stockton, CA 95207 1946 Amberwood Ct Stockton, CA 95207 1946 Amberwood Ct Stockton, CA 95207 Website provided by Bill Joyce, Broker (916) 206-7282 Google

  • 5918 Blackstone Dr Rocklin, CA 95765

    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 Google

  • 2613 Roxby Way Roseville, CA 95747

    2613 Roxby Way Roseville, CA 95747 2613 Roxby Way Roseville, CA 95747 2613 Roxby Way Roseville, CA 95747 Website provided by Bill Joyce, Broker (916) 206-7282 Google

  • 1946 Omega Way Lincoln, CA 95648

    1946 Omega Way Lincoln, CA 95648 1946 Omega Way Lincoln, CA 95648 1946 Omega Way Lincoln, CA 95648 Website provided by Bill Joyce, Broker (916) 206-7282 Google

  • 20 Hidalgo St Mountain House, CA 95391

    20 Hidalgo St Mountain House, CA 95391 20 Hidalgo St Mountain House, CA 95391 20 Hidalgo St Mountain House, CA 95391 Website provided by Bill Joyce, Broker (916) 206-7282 Google