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

3916 Creedmoor Ave Modesto, CA 95357

3916 Creedmoor Ave Modesto, CA 95357

Beds:3 Baths:2 Sq Ft:1789
Corner Lot home! Spacious home offers seperate living room with dining area, cozy family room with fireplace. Updated counter tops and appliances in kitchen... Listing broker: Castle Real Estate Details
$224,900
3916 Creedmoor Ave Modesto, CA 95357

3916 Creedmoor Ave Modesto, CA 95357

3916 Creedmoor Ave Modesto, CA 95357

Website provided by Bill Joyce, Broker (916) 206-7282
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4429 ROMA Stockton, CA 95206

4429 ROMA Stockton, CA 95206

No properties were found.
4429 ROMA Stockton, CA 95206

4429 ROMA Stockton, CA 95206

4429 ROMA Stockton, CA 95206

Website provided by Bill Joyce, Broker (916) 206-7282
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5741 Silverleaf Dr Foresthill, CA 95631

5741 Silverleaf Dr Foresthill, CA 95631

Beds:2 Baths:1 Sq Ft:1140
This amazing Todd Valley home, just a short drive from I-80, with all the advantages of living in the mountains could be your new home!! The kitchen has... Listing broker: United Country Sacramento Valley Real Estate Details
$260,000
5741 Silverleaf Dr Foresthill, CA 95631

5741 Silverleaf Dr Foresthill, CA 95631

5741 Silverleaf Dr Foresthill, CA 95631

Website provided by Bill Joyce, Broker (916) 206-7282
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213 Third St Isleton, CA 95641

213 Third St Isleton, CA 95641

Beds:3 Baths:1 Sq Ft:1480
Tudor Style House with extra lot. Home circa l925. Current owners have restored in 2010. All original hardwood flooring. Antique porcelain stove and... Listing broker: Century 21 M&M and Associates Details
$239,500
213 Third St Isleton, CA 95641

213 Third St Isleton, CA 95641

213 Third St Isleton, CA 95641

Website provided by Bill Joyce, Broker (916) 206-7282
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2828 Pope Ave Sacramento, CA 95821

2828 Pope Ave Sacramento, CA 95821

Beds:3 Baths:2 Sq Ft:1949
Beautiful property, tastefully updated throughout --READY FOR THE NEW OWNER. Convenient Location * Close to Freeway * Shopping * Del Paso Country Club*... Listing broker: Golovey Real Estate Details
$355,900
2828 Pope Ave Sacramento, CA 95821

2828 Pope Ave Sacramento, CA 95821

2828 Pope Ave Sacramento, CA 95821

Website provided by Bill Joyce, Broker (916) 206-7282
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106 Quail Ct Winters, CA 95694

106 Quail Ct Winters, CA 95694

Beds:4 Baths:1 Sq Ft:1444
Nice, large home on a huge cul-de-sac lot. Kitchen and bathroom have been remodeled. Oversized Tuff shed is in the backyard and there is plenty of room... Listing broker: Realty World Camelot Winters Details
$294,900
106 Quail Ct Winters, CA 95694

106 Quail Ct Winters, CA 95694

106 Quail Ct Winters, CA 95694

Website provided by Bill Joyce, Broker (916) 206-7282
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2200 Hollywood Way Sacramento, CA 95822

2200 Hollywood Way Sacramento, CA 95822

Beds:3 Baths:1 Sq Ft:1258
DELIGHTFUL HOLLYWOOD PARK HOME ON A HUGE CORNER LOT WITH R.V. ACCESS. HOME HAS BEEN NEWLY PAINTED INSIDE,FEATURES UPDATED KITCHEN,BATHROOM AND BEAUTIFUL... Listing broker: RE/MAX Gold Sierra Oaks Details
$309,000
2200 Hollywood Way Sacramento, CA 95822

2200 Hollywood Way Sacramento, CA 95822

2200 Hollywood Way Sacramento, CA 95822

Website provided by Bill Joyce, Broker (916) 206-7282
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8236 Bluehaven Ct Antelope, CA 95843

8236 Bluehaven Ct Antelope, CA 95843

Beds:3 Baths:2 Sq Ft:1445
House is a keeper. New Roof, New Gutters, New Alarm System and Interior Paint. About $13,000 of improvemants since sellers bought in 7/13. Nice Cul-de-sac... Listing broker: Keller Williams Realty Details
$254,900
8236 Bluehaven Ct Antelope, CA 95843

8236 Bluehaven Ct Antelope, CA 95843

8236 Bluehaven Ct Antelope, CA 95843

Website provided by Bill Joyce, Broker (916) 206-7282
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887 Sierra St Manteca, CA 95336

887 Sierra St Manteca, CA 95336

Beds:3 Baths:2 Sq Ft:1831
First time buyer or possible investment property. This home features both living and family rooms, 3 bedrooms and then that extra room without a closet!... Listing broker: Keller Williams Realty Details
$299,999
887 Sierra St Manteca, CA 95336

887 Sierra St Manteca, CA 95336

887 Sierra St Manteca, CA 95336

Website provided by Bill Joyce, Broker (916) 206-7282
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9261 Caldera Way Sacramento, CA 95826

9261 Caldera Way Sacramento, CA 95826

Beds:4 Baths:2 Sq Ft:1886
This home is an entertainers delight. The pool and spa were remodeled in 2013 with 2 Sheen Decent Waterfalls. The Tiki Hut, Outdoor Bar w/TV and Covered... Listing broker: Coldwell Banker-Res R E Srv Details
$317,500
9261 Caldera Way Sacramento, CA 95826

9261 Caldera Way Sacramento, CA 95826

9261 Caldera Way Sacramento, CA 95826

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

  • 793 Krypton Ct West Sacramento, CA 95691

    793 Krypton Ct West Sacramento, CA 95691 793 Krypton Ct West Sacramento, CA 95691 793 Krypton Ct West Sacramento, CA 95691 Website provided by Bill Joyce, Broker (916) 206-7282 Google

  • 109 Cleveland St Woodland, CA 95695

    109 Cleveland St Woodland, CA 95695 109 Cleveland St Woodland, CA 95695 109 Cleveland St Woodland, CA 95695 Website provided by Bill Joyce, Broker (916) 206-7282 Google

  • 1829 Winding River Ct. Manteca, CA 95337

    1829 Winding River Ct. Manteca, CA 95337 1829 Winding River Ct. Manteca, CA 95337 1829 Winding River Ct. Manteca, CA 95337 Website provided by Bill Joyce, Broker (916) 206-7282 Google

  • 5410 10th Ave Sacramento, CA 95820

    5410 10th Ave Sacramento, CA 95820 5410 10th Ave Sacramento, CA 95820 5410 10th Ave Sacramento, CA 95820 Website provided by Bill Joyce, Broker (916) 206-7282 Google

  • 5209 U St Sacramento, CA 95817

    5209 U St Sacramento, CA 95817 5209 U St Sacramento, CA 95817 5209 U St Sacramento, CA 95817 Website provided by Bill Joyce, Broker (916) 206-7282 Google

  • 1600 Kit Carson Way Roseville, CA 95661

    1600 Kit Carson Way Roseville, CA 95661 1600 Kit Carson Way Roseville, CA 95661 1600 Kit Carson Way Roseville, CA 95661 Website provided by Bill Joyce, Broker (916) 206-7282 Google

  • 1400 Divine Ln Tracy, CA 95376

    1400 Divine Ln Tracy, CA 95376 1400 Divine Ln Tracy, CA 95376 1400 Divine Ln Tracy, CA 95376 Website provided by Bill Joyce, Broker (916) 206-7282 Google

  • 1009 Marklee Way Modesto, CA 95355

    1009 Marklee Way Modesto, CA 95355 1009 Marklee Way Modesto, CA 95355 1009 Marklee Way Modesto, CA 95355 Website provided by Bill Joyce, Broker (916) 206-7282 Google

  • 1402 Pearl St Modesto, CA 95350

    1402 Pearl St Modesto, CA 95350 1402 Pearl St Modesto, CA 95350 1402 Pearl St Modesto, CA 95350 Website provided by Bill Joyce, Broker (916) 206-7282 Google

  • 9475 Oakwilde Ave Stockton, CA 95212

    9475 Oakwilde Ave Stockton, CA 95212 9475 Oakwilde Ave Stockton, CA 95212 9475 Oakwilde Ave Stockton, CA 95212 Website provided by Bill Joyce, Broker (916) 206-7282 Google

  • 510 Tuscolana Way Lodi, CA 95240

    510 Tuscolana Way Lodi, CA 95240 510 Tuscolana Way Lodi, CA 95240 510 Tuscolana Way Lodi, CA 95240 Website provided by Bill Joyce, Broker (916) 206-7282 Google

  • 9080 Robbins Rd Sacramento, CA 95829

    9080 Robbins Rd Sacramento, CA 95829 9080 Robbins Rd Sacramento, CA 95829 9080 Robbins Rd Sacramento, CA 95829 Website provided by Bill Joyce, Broker (916) 206-7282 Google

  • 2251 Quincy Rd Turlock, CA 95382

    2251 Quincy Rd Turlock, CA 95382 2251 Quincy Rd Turlock, CA 95382 2251 Quincy Rd Turlock, CA 95382 Website provided by Bill Joyce, Broker (916) 206-7282 Google

  • 1012 Eileen Way Sacramento, CA 95831

    1012 Eileen Way Sacramento, CA 95831 1012 Eileen Way Sacramento, CA 95831 1012 Eileen Way Sacramento, CA 95831 Website provided by Bill Joyce, Broker (916) 206-7282 Google

  • 4707 Melvin Dr Carmichael, CA 95608

    4707 Melvin Dr Carmichael, CA 95608 4707 Melvin Dr Carmichael, CA 95608 4707 Melvin Dr Carmichael, CA 95608 Website provided by Bill Joyce, Broker (916) 206-7282 Google