How Long Does It Take to Improve Your Credit Score Enough to Buy a Home?

A new year means new goals.  If home ownership is one of them – it’s time to make sure your credit is in check.

How long does it take to improve your credit score? If you’re hoping to buy a home, having a good credit score is key, since it helps you qualify for a mortgage. So if your credit score is low, knowing how long it takes to raise it to home-buying range can help you plan.

While raising a credit score can’t happen overnight, it is possible to raise your credit score within one to two months. However, it could take longer, depending on what’s dragging down your score—and how you handle it. Here’s what you need to know.

How long does it take to raise a credit score?

First off, what’s considered a good score versus a poor one? Here are some general parameters:

  • Perfect credit score: 850
  • Excellent score: 760-849
  • Good credit score: 700 to 759
  • Fair score: 650 to 699
  • Low score: 650 and below

While it varies by area and type of loan, generally lenders will look for a score of 660 or higher to grant a mortgage (here’s more on the minimum credit score you need for a home loan).

If you’re looking to boost your credit score fast, here are some actions you can take.

Correct errors on your credit report

Correcting errors on your credit report is a relatively quick way to improve your credit score. If it’s a simple identity error—like a credit card that’s not yours showing up—you can get that corrected within one to two months.

If it’s an error on one of your accounts, though, it could take longer, because you need to involve your creditor as well as the credit bureau. The entire process typically takes 30 to 90 days. If there’s a lot of back-and-forth between you, the credit bureau, and your creditor, it could take longer.

The first step to correcting errors is to get a copy of your credit reports from TransUnion, Equifax, and Experian (the three major credit bureaus), which you can do at no cost once a year at annualcreditreport.com. Next, review them for errors. If it’s an error on one of your accounts, you must refute that error with the bureau by providing documentation arguing otherwise. For example, if you paid a credit card on time and the card issuer is reporting a late payment, find a bank statement showing that you paid on time.

Credit bureaus typically have 30 days to investigate the error. If they agree that it’s an error, they will remove the item. The credit bureau may also ask for additional information or ask you to discuss the information with the creditor involved. If that’s the case, stay on top of communications with your creditor so you can get things resolved as quickly as possible.

Deal with delinquent accounts

Bringing delinquent accounts current and settling accounts that are in collections can also boost your score fairly quickly. Once the creditor or collection agency reports your account update, you should see a positive bump in your score. Keep in mind, though, that your late payment history will remain on your credit report for seven years.

If you have bad accounts that have been on your report for six years or more, you may not want to worry about settling them or bringing them up to date. This can re-age the account, and if you fall behind again, it will stay on your credit report for another seven years.

“Make sure you don’t re-age these accounts, because they’re going to drop off soon,” says Nathan Danus, CDMP and Director of Housing and Community Development at DebtHelper in West Palm Beach, FL. Negative information typically “falls off” your credit report after seven years, so if you’re close, it’s best to just wait it out.

Lower your credit utilization

Credit utilization refers to how much you owe compared with the amount of credit you have available. For example, if you have a $10,000 credit limit across all your credit cards and you have balances totaling $9,000, you’ve utilized 90% of your credit. This drags down your credit score.

“What these consumers often need to do is pay down the balances on their existing credit accounts, which can be a challenge if they’ve allowed the balances to creep up over time,” says Martin H. Lynch, compliance manager and director of education at Cambridge Credit Counseling of Agawam, MA. “The ratio of what’s owed to the amount of credit available represents 30% of the consumer’s score, so rapid improvement is possible if there’s a large amount of money available to pay down balances.”

Linda L. Jacob, a financial counselor at Consumer Credit of Des Moines, IA, recommends paying down balances to below one-third of your credit line. Any payments you make will be reflected on your credit report as soon as your creditors report your payment to the credit bureaus. Credit scores are updated on an ongoing basis, and creditors typically report once per month, so if you make a payment that lowers your credit utilization, that should be reflected on your credit score within two months.

If you’re regularly using your credit card but you want to keep your utilization low so you can apply for a mortgage, you may want to pay down your credit-card balance on a weekly or biweekly basis. This ensures that your balance is as low as possible whenever your creditor reports your payment history to the credit bureaus.

You can also decrease your card utilization by getting more credit, but this approach can backfire. Consumers sometimes assume that by getting more credit, their credit score will improve. If you have a $3,000 balance on a card with a $4,000 credit limit and you’re approved for a new credit card with a $1,000 limit, you now have $5,000 in total credit lines. Instead of using 75% of your available credit, you’re now using 60%. That’s better, right?

Not necessarily. “Just applying for credit lowers your credit score, and that effect lasts for months,” warns Mike Sullivan, personal finance consultant at Take Charge America in Phoenix, AZ. “For the first few months after you apply for credit, your credit score may actually go down.”

You can try getting around this by asking a credit limit increase on a card you already have. Be sure to ask whether they do a “soft” credit pull rather than a “hard” credit pull, though, since hard credit inquiries are the ones that impact your credit. A creditor may be willing to give you a credit line increase with a “soft” pull, which will not hurt your credit score.

Soft inquiries are for background purposes only. For example, a credit card company may do a soft pull to see if you’re eligible for certain credit card offers, or an employer may do a soft pull before offering you a job. Soft pulls can be done without your permission and do not impact your credit score. Hard pulls require your permission, and are done when lenders or credit card companies are assessing whether to grant you a loan or line of credit.

How to raise your credit score for the long haul

Once you’ve corrected errors, settled your delinquent accounts, and brought your credit utilization under control, the only other things that will improve your score are time and developing good payment habits. For example, if you tend to forget to make payments, you can set up automatic payments so you don’t forget.

And here’s some good news for people with bad credit: Generally, people with the lowest scores will see the biggest gains the fastest.

“It’s a lot like dieting,” says Sullivan.

For instance, if your score is 550, “you could probably get it up 30 points in a matter of a couple months, if you’re really dedicated and really careful,” he explains.

On the other hand: “If your credit score is already a 750 and you’re trying to get it to 780, that can take double or more the time.”

Still, it’s worth doing whatever you can to get the best interest rate possible.

For more smart financial news and advice, head over to MarketWatch.

Melinda Sineriz is a writer living in Bakersfield, CA. She writes about personal finance and real estate for several websites and businesses.

I read this article at:  Realtor.com

Got Real Estate Questions?   The Caton Team is here to help.

We strive to be more than just Realtors – we are also your home resource. If you have any real estate questions, concerns, need a referral or some guidance – we are here for you. Contact us at your convenience – we are but a call, text or click away!

The Caton Team believes, in order to be successful in the San Fransisco | Peninsula | Bay Area | Silicon Valley Real Estate Market we have to think and act differently. We do this by positioning our clients in the strongest light, representing them with the upmost integrity, while strategically maneuvering through negotiations and contracts. Together we make dreams come true.

A mother and daughter-in-law team with over 35 years of combined, local Real Estate experience and knowledge – would’t you like The Caton Team to represent you? Let us know how we can be of service. Contact us any time.

Email Sabrina & Susan at: Info@TheCatonTeam.com

Call us at: 650-568-5522 Office: 650-365-9200

The Caton Team – Susan & Sabrina
A Family of Realtors
Effective. Efficient. Responsive.
What can we do for you?

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The Caton Team Blog – The Real Estate Beat

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How to Buy While Selling Real Estate

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Thanks for reading – Sabrina

Berkshire Hathaway HomeServices – Drysdale Properties

Sabrina DRE# 01413526 / Susan DRE #01238225 / Team DRE# 70000218/ Office DRE #01499008

The Caton Team does not receive compensation for any posts.  Information is deemed reliable but not guaranteed. Third party information not verified.

 

A Reflection of “What Lies Ahead for Our Real Estate Market”

The Caton Team wanted to take a moment and comment on the article we shared : What Lies Ahead for Our Real Estate Market

As full-time, professional Realtors – The Caton Team felt the market turn late in the 3rd Quarter of 2018.

Now – let’s just be honest here – anyone trying to buy in San Mateo County was reaching their wits ends.  Every seller and Realtor knew that the top was coming because it always does.  Real Estate is cyclical.  Year in and year out it goes up and down all year-long.  It often follows the weather and holidays.  However, Real Estate wealth is acquired through holding real estate long-term – and to be frank – not necessarily selling each home but leveraging each home.  Curious how that works – come in for a sit down.

What we wanted to address here was this – though the Market is cooling here in the Bay Area – and we may have hit our peek for this cycle in Spring 2018 – it doesn’t mean we’re crashing. It’s the one thing we can graph year over year, decade over decade.  Real Estate may fluctuate in price from week to week but over time it holds its value and appreciates.

So – what I hear when the “market is down” – IT’S TIME TO BUY!  My friends, a down markt is opportunity.  No offer dates, no mutiple offers – and if you and your Relator do your homework right – maybe under list price!

I just wanted to add this reflection becuase we need to see this in perspective.  A market adjustment is a chance to get in.

Curuious if buying or selling now is right for you – contact The Caton Team for a private and personal consultation.

Need some proof – The Caton Team hopped on the #10yearchallenge for Real Estate and in just the past 10 years you can see our local growth!  That’s why the old addage applies – Don’t Wait to Buy Real Estate – Buy Real Estate and WAIT!

Let The Caton Team help you – contact us any time – Call | Text 650.799.4333 | Email | Info@TheCatonTeam.com

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Got Real Estate Questions?   The Caton Team is here to help.

We strive to be more than just Realtors – we are also your home resource. If you have any real estate questions, concerns, need a referral or some guidance – we are here for you. Contact us at your convenience – we are but a call, text or click away!

The Caton Team believes, in order to be successful in the San Fransisco | Peninsula | Bay Area | Silicon Valley Real Estate Market we have to think and act differently. We do this by positioning our clients in the strongest light, representing them with the utmost integrity, while strategically maneuvering through negotiations and contracts. Together we make dreams come true.

A mother and daughter-in-law team with over 35 years of combined, local Real Estate experience and knowledge – would’t you like The Caton Team to represent you? Let us know how we can be of service. Contact us any time.

Call | Text | Sabrina 650.799.4333 | Susan 650.796.0654

Email |   Info@TheCatonTeam.com

 

The Caton Team – Susan & Sabrina
A Family of Realtors
Effective. Efficient. Responsive.
What can we do for you?

The Caton Team Testimonials | The Caton Team Blog – The Real Estate Beat | TheCatonTeam.com | Facebook | Instagram | HomeSnap | Pintrest | LinkedIN Sabrina | LinkedIN Susan

Want Real Estate Info on the Go?  Download our FREE Real Estate App:  Mobile Real Estate by The Caton Team

Berkshire Hathaway HomeServices – Drysdale Properties

DRE # |Sabrina 01413526 | Susan 01238225 | Team 70000218 |Office 01499008

The Caton Team does not receive compensation for any posts.  Information is deemed reliable but not guaranteed. Third party information not verified.

Family Room | Craftsmans Kitchen | For Sale in Newark

Whats the most important factor is Real Estate? Location Location Location. Del Monte is in a fantastic, well established & maintained neighborhood. This home has AC, forced air heat, LED lighting, dual pane windows & sliders, hardwood, vinyl, tile, carpet & laminate flooring. Spacious living/dining combo with fireplace & vaulted ceiling. Custom Craftsman Kitchen with electric glass cooktop/dual oven range, dishwasher, microwave & custom refrigerator – all overlooking the spacious back yard. Family Room with informal dinning. Play Fort, Greenhouse & Drought Tolerant plants makes landscaping a breeze. ALL APPLIANCES INCLUDE. 2 Car Garage w Laundry, Freezer, drink fridge. All this and 4 Bed with 2 Baths including Master Suite and private office. Close to schools, parks, shopping, 880, the Bridge, Facebook & Tesla. FULL Disclosure package available – CLEAN REPORTS! Excellent condition. Worth a look – 8213 Del Monte Ave in Newark is a well maintained home, with classic features in excellent condtion.  We have a full disclosure package with home, pest and roof inspections available upon request.  Contact The Caton Team with any questions.  

See more photos at: Facebook Photo Album of Del Monte Ave 

Call | Text 650.799.4333 | Email Info@TheCatonTeam.com

Upon entry you are greeted with tall vaulted ceilings and a burst of cheerful color in the large living anddining area; appointed with dual pane windows, fireplace, hardwood floors and tile.  The double doors on your left lead you to the 4th bedroom configured as a home office.  Pass through to the family room and find an informal eating area off the Craftmans style kichen with custom oak cabinetry and beautiful green tile.  The dual oven, glass top electric range, built in regrgerator, dishwasher and microwave are all at your finger tips while overlooking your back yard.  Large sliding glass doors connect the home with the garden in the family room with space for entertainment area.  Three bedrooms and hall bath featuring a shower over tub.  The master suite is tucked at the back of the home with a on private entry into the garden.  Ample closet space in each room, not to mention the oversized two car garage with washer, dryer, freezer and mini fridge included.  The garden is landscaped with drought tolerant plants such as succulents and shrubs.  Two long time lemon trees ready for your kitchen adventures.  The greenhouse, custom fort and tool sheds come with the home.  Del Monte Avenue is in lovely Newark and ready to make your own. Contact The Caton Team for a private viewing and more information.  Call | Text 650.799.4333 | Email Info@TheCatonTeam.com

Visit our website for further details:

Info on Del Monte Ave, Newark | The Caton Team Links

MLS ML81730678

Available by Appointment

Contact the Caton Team with any questions! Call | Text | Sabrina 650.799.4333 | Susan 650.796.0654 | Email |   Info@TheCatonTeam.com

Visit our website for further details:

Info on Del Monte Ave, Newark

Realtor.com on 8213 Del Monte Ave

Facebook Photo Album of Del Monte Ave

Instagram Photos for Del Monte Ave

Redfin info on 8213 Del Monte Ave

Zillow Info on 8213 Del Monte Ave

Trulia info for 8213 Del Monte Ave

 

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Got Questions – The Caton Team is here to help. The Caton Team Links

We strive to be more than just Realtors – we are also your home resource. If you have any real estate questions, concerns, need a referral or some guidance – we are here for you. Contact us at your convenience – we are but a call, text or click away!

The Caton Team believes, in order to be successful in the San Fransisco | Peninsula | Bay Area | Silicon Valley Real Estate Market we have to think and act differently. We do this by positioning our clients in the strongest light, representing them with the utmost integrity, while strategically maneuvering through negotiations and contracts. Together we make dreams come true.

A mother and daughter-in-law team with over 35 years of combined, local Real Estate experience and knowledge – would’t you like The Caton Team to represent you? Let us know how we can be of service. Contact us any time.

Call | Text 650.799.4333 | Email Info@TheCatonTeam.com

The Caton Team – Susan & Sabrina
A Family of Realtors
Effective. Efficient. Responsive.
What can we do for you?

The Caton Team Testimonials | The Caton Team Blog – The Real Estate Beat | The Caton Team Website | The Caton Team Advantage | How to Buy While Selling Real Estate

Want Real Estate Info on the Go?  Download our FREE Real Estate App:  Mobile Real Estate by The Caton Team

Visit us at:  Our Blog | TheCatonTeam.com | Facebook | InstagramHomeSnap | Pintrest | LinkedIN Sabrina | LinkedIN Susan

Berkshire Hathaway HomeServices – Drysdale Properties Sabrina DRE# 01413526 / Susan DRE #01238225 / Team DRE# 70000218/ Office DRE #01499008

The Caton Team does not receive compensation for any posts.  Information is deemed reliable but not guaranteed. Third party information not verified.

What Lies Ahead for our Real Estate Market?

Americans stopped buying homes in 2018, mortgage lenders are getting crushed, and an economic storm could be brewing

Alex Morrell
Jan 25, 2019 | 8:30 AM ET

  • The US housing market took a dark turn in 2018 as homebuying fell off a cliff and mortgage lenders saw a steep decline in applications, originations, and profits.
  • Interest rates are partly to blame for the slide in housing, but that’s only half of the equation, according to analysts.
  • It’s too soon to panic, but a deeper drought in housing is bad news for just about everybody, not just the banks.
  • Significant housing declines have foreshadowed nine of the 11 post-World War II recessions in the US, according to UBS.

As 2018 headed toward its close, Americans’ appetite for buying homes fell off a cliff.

In December, US existing-home sales cratered to 4.99 million, 10.3% below the mark from the year-ago period, according to data released earlier this week by the National Association of Realtors.

That’s the steepest decline in more than seven years, and it followed year-over-year declines of 7.8% in November and 5.1% in October.

Home sales dropped in every month in 2018 except February, but the trend grew more aggressive in the final quarter of the year.

The decline has been broad, affecting every US region. Even home sales in the posh Hamptons got battered in 2018.

Banks with large mortgage-lending businesses felt the homebuying malaise take a bite out of their bottom lines last week during fourth-quarter earnings results.

At two of the largest bank mortgage originators and servicers in the US, the numbers were especially pronounced.

At Wells Fargo, mortgage-banking income fell by 50%, to $467 million, in the fourth quarter, while originations declined by 28%, to $38 billion.

JPMorgan, meanwhile, saw mortgage income fall to $203 million, a 46% drop from the same period last year. Originations fell by 30%, to $17.2 billion.

These ugly housing numbers have raised red flags for Wall Street investors and analysts. UBS economists said in a note this week that “the deterioration in housing and its intensification since midyear raise the possibility of underlying weakness in the household sector.”

It’s too soon to head to the panic room, as this trend could prove a small bump that smooths over in 2019 — but a deeper drought in housing is dark news for just about everybody, not just the banks.

Significant housing declines have foreshadowed nine of the 11 post-World War II recessions in the US, according to another note by UBS from December examining the housing slowdown.

“The housing market usually does not slow down in a vacuum, and a falling housing market may well be the first indication of broader economic weakness,” the bank’s analysts wrote.

What’s to blame?

The US economy has been exceptionally strong in the past year — we’ve had wage growth, low unemployment, and low delinquency rates, among other positive drivers that should augur well for real-estate investing, UBS said.

So what happened to the housing market? The most glaring explanation is that mortgage rates increased, convincing prospective homebuyers that the market had become unfavorably expensive.

The Federal Reserve hiked its benchmark interest rate four times in 2018; the rate on a 30-year mortgage hit 4.94% in November — the highest mark since 2011 — before falling to 4.45% by year’s end.

That November figure may not seem a gigantic increase from the average rate of 3.65% just two years ago, but for a $250,000 home, the difference in the monthly payment is $190 and the lifetime cost is nearly $70,000 greater.

But interest rates don’t tell the full story — UBS analysts estimated that rates accounted for roughly half of the slowdown.

Home prices have also been ascending for years. The median existing-home price in December was $253,600, a 2.9% increase from 2017 and the 82nd straight month of year-over-year gains, according to the NAR.  (Local stats pictured below by The Caton Team)

2018 dec

“We saw a cooldown because buyers couldn’t afford these homes anymore,” Daryl Fairweather, the chief economist at the real-estate brokerage Redfin, told Business Insider.

Cash-strapped and saddled with student loans and other debt, millennials — a generation of more than 70 million now in their 20s and mid-30s — have delayed buying a home later than their parents did, but their participation is crucial in buoying home sales.

They may be balking at the higher monthly payments commanded for increasingly pricier homes and deciding they’re better off renting.

“They need to be in the housing market to keep things going, but they face real affordability challenges,” said Jody Shenn, a vice president in structured finance at Moody’s. “Just being able to get a house they can afford on a monthly basis with a mortgage is on the challenging side at this point.”

But the debt-burdened millennial didn’t materialize in 2018. That long-standing trend is most likely contributing to the overall slowdown, though it doesn’t necessarily explain the precipitous drop in fourth-quarter home sales.

Other factors that may have had an impact but are harder to pin down are rising construction costs, a reduction in the mortgage deduction in the new tax law, tightening credit standards by some lenders, and less flexibility in underwriting.

If profits are down, why are lenders rejecting more mortgage applications?

Curiously, despite less homebuying demand and falling revenue, the rate of rejections of mortgage and refinancing applications also shot up in the second half of 2018, according to data from the Federal Reserve Bank of New York.

In its “Credit Access Survey,” a quarterly report on US borrowers, the Fed found in October that even as mortgage applications among those surveyed fell to 6.7% from 9.2% over the previous year, the portion of respondents who experienced a mortgage application rejection increased to 19% — the highest mark in the survey since February 2015 — from 15.6%.

Why would lenders, already facing headwinds in their mortgage businesses, start denying more applications?

Two Moody’s analysts told Business Insider they hadn’t noticed tightening lending standards for residential mortgages. Home-lending standards have actually been loosening of late, they said.

Charge-offs have been on the downswing, though, suggesting lenders have been doling out credit responsibly in recent years.

“The squeeze on mortgage originators is encouraging them to move down the credit spectrum, but it’s a slow, measured shift,” Warren Kornfeld, a senior vice president covering financial institutions at Moody’s, told Business Insider.

But it could still be the case that lenders experienced an influx of applications from borrowers they deemed too risky to lend to. The Fed has telegraphed its rate hikes, so savvier and more creditworthy borrowers may have acted earlier to get a cheaper mortgage rate.

Borrowers applying at the peak were “probably more desperate,” Fairweather said, and banks don’t typically like to lend to people in desperate situations who have a higher chance of defaulting on their loan.

“My interpretation of this is that there was a decrease in the quality of applicants at this time,” Fairweather said.

Overall lending standards may not be any stricter, Shenn added, but “it could be the mix of who’s coming in the door has changed.”

Riskier borrowers may have grown more interested in buying a home, but in general the number of consumers who say they think it’s a good time to buy has been declining since 2014, surveys from the University of Michigan and Fannie Mae have found.

The number of consumers who say they think it’s a favorable time to buy a home has fallen below the number who say they think it’s a good time to sell one — a foreboding signal.

Fannie Mae; University of Michigan; UBS

As UBS pointed out, that’s happened only twice in the 26 years those survey questions have been asked — and those instances preceded our two most recent recessions.

A housing collapse isn’t imminent, but there’s no quick fix either

There’s no quick fix for consumers feeling stretched too thin to buy a home, according to Kornfeld and Shenn. Costs and rates have to fall, or wages need to increase, or some combination thereof.

Mortgage lenders face a bleak horizon this year. Their profit outlook fell for the ninth straight quarter and reached an all-time low to close out 2018, according to Fannie Mae’s “Mortgage Lender Sentiment Survey.”

But a housing collapse is by no means imminent, especially in light of the strong economic fundamentals at play right now.

Consumer spending hasn’t flatlined elsewhere, and, as previously mentioned, unemployment and wage growth are trending in the right direction.

Fairweather said that she anticipates another strong year for the economy in 2019 and that she’s optimistic buyers will have an easier time and more leverage in negotiations this year.

Still, amid a steady housing decline and following the especially ugly numbers from the fourth quarter, analysts are on alert, and UBS said it would be tracking the trend closely this year.

“The incongruity of the spending on housing with the rest of the economy is a red flag,” the bank’s analysts wrote. “Unwillingness to spend on large, long-lasting items like housing may signal susceptibility of consumer confidence and spending to adverse shocks.”

 

I read this article at: Business Insider.com

Got Real Estate Questions?   The Caton Team is here to help.

We strive to be more than just Realtors – we are also your home resource. If you have any real estate questions, concerns, need a referral or some guidance – we are here for you. Contact us at your convenience – we are but a call, text or click away!

The Caton Team believes, in order to be successful in the San Fransisco | Peninsula | Bay Area | Silicon Valley Real Estate Market we have to think and act differently. We do this by positioning our clients in the strongest light, representing them with the utmost integrity, while strategically maneuvering through negotiations and contracts. Together we make dreams come true.

A mother and daughter-in-law team with over 35 years of combined, local Real Estate experience and knowledge – would’t you like The Caton Team to represent you? Let us know how we can be of service. Contact us any time.

Call | Text | Sabrina 650.799.4333 | Susan 650.796.0654

Email |   Info@TheCatonTeam.com

 

The Caton Team – Susan & Sabrina
A Family of Realtors
Effective. Efficient. Responsive.
What can we do for you?

The Caton Team Testimonials | The Caton Team Blog – The Real Estate Beat | TheCatonTeam.com | Facebook | Instagram | HomeSnap | Pintrest | LinkedIN Sabrina | LinkedIN Susan

Want Real Estate Info on the Go?  Download our FREE Real Estate App:  Mobile Real Estate by The Caton Team

Berkshire Hathaway HomeServices – Drysdale Properties

DRE # |Sabrina 01413526 | Susan 01238225 | Team 70000218 |Office 01499008

The Caton Team does not receive compensation for any posts.  Information is deemed reliable but not guaranteed. Third party information not verified.

Testimonial of the Day – From CJ

“I recently worked with The Caton team (Sabrina and Sue) to purchase my first home. I was referred to the team by a co-worker who had just purchased a condo with them. He had a great experience, and recommended them for their honesty, responsiveness and availability (even at night and weekends). I found this assessment to be 100% true.

I first met Sabrina and Sue when I was interviewing realtors. They recommended I come to their office for the interview. They were the only ones to recommend this, which already set them apart in my mind. During the interview they shared their process and approach and how our relationship would work. I decided to work with the Caton team for several reasons. 1) A great referral 2) Their open and honest personalities 3) Their sincere concern that I find exactly what I am looking for 3) Their combined years of experience and specialization in the peninsula.

After our first meeting, they set up their home search for the criteria we discussed. Part way through the search, my criteria changed, and they updated the search for the new criteria. Periodically, they would check in to see if I saw anything that I liked. We narrowed the search by going through what I liked and disliked about each listing that I reviewed online.

Sabrina and Sue answered all of my questions along the process. They came to the home inspection and to sign papers at title company. The title company representative that I signed papers with commented on how lucky I was to have my realtors there, looking out for my best interests, as a lot of first time buyers come alone, signing papers they don’t understand.

After receiving keys to my new home, the Caton team continued to support me. They referred me to painters their colleagues had worked with and found multiple contractors who would do the work I needed.

Sabrina and Sue are really easy to work with. It’s like talking with friends when I reach out to them. They are very approachable, trust worthy and hard working. They always answer questions I have or research to find the answers if they do not have them right away. I highly recommend them and will use them again for future real estate needs.”

– CJ T.

CJ and May are rad. CJ left me my first Yelp Review (which you jus read) and it made my day. Since then we’ve worked together several times and it’s always been an absolute joy. Thank You ladies.

Contact us for a consultation if you’re considering buying or selling real estate.

To read all our testimonials visit The Caton Team Testimonials and Yelp!

 

Got Real Estate Questions?   The Caton Team is here to help.

 

We strive to be more than just Realtors – we are also your home resource. If you have any real estate questions, concerns, need a referral or some guidance – we are here for you. Contact us at your convenience – we are but a call, text or click away!

The Caton Team believes, in order to be successful in the San Fransisco | Peninsula | Bay Area | Silicon Valley Real Estate Market we have to think and act differently. We do this by positioning our clients in the strongest light, representing them with the utmost integrity, while strategically maneuvering through negotiations and contracts. Together we make dreams come true.

A mother and daughter-in-law team with over 35 years of combined, local Real Estate experience and knowledge – would’t you like The Caton Team to represent you? Let us know how we can be of service. Contact us any time.

Call | Text 650-799-4333

Email Info@TheCatonTeam.com

 

The Caton Team – Susan & Sabrina
A Family of Realtors
Effective. Efficient. Responsive.
What can we do for you?

The Caton Team Testimonials | The Caton Team Blog – The Real Estate Beat | TheCatonTeam.com | Facebook | Instagram | HomeSnap | Pintrest | LinkedIN Sabrina | LinkedIN Susan 

 

Want Real Estate Info on the Go?  Download our FREE Real Estate App:  Mobile Real Estate by The Caton Team

 

Berkshire Hathaway HomeServices – Drysdale Properties

DRE # |Sabrina 01413526 | Susan 01238225 | Team 70000218 |Office 01499008

The Caton Team does not receive compensation for any posts.  Information is deemed reliable but not guaranteed. Third party information not verified.

Landed Program | Down-Payment Assistance for Local Teachers

One morning while drinking coffee Susan heard about the Landed program on the news and told me right away. A program created to help local teachers afford the Bay Area Real Estate Market.  That moment, while my coffee was still hot – I emailed Landed and asked how The Caton Team could be of service.  I was so early in the game they didn’t have anything set up yet – but I was ready to help my local teachers and the soon connected us.

The Caton Team has had the  privilege to work with several teachers with Landed and together we’ve made dreams come true.

Are you a local teacher in the Bay Area looking to own your own home?  Learn more about Landed in the links below or contact The Caton Team anytime – we’re happy to be of help.

Call | Text | Sabrina 650.799.4333 | Susan 650.796.0654

Email |   Info@TheCatonTeam.com

Landed  |  Homebuyer Education Resources  |  How It Works  |  Get Started

Dreams come really do come true with The Caton Team and Landed.com

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Landed  |  Homebuyer Education Resources  |  How It Works  |  Get Started

 

Got Real Estate Questions?   The Caton Team is here to help.

We strive to be more than just Realtors – we are also your home resource. If you have any real estate questions, concerns, need a referral or some guidance – we are here for you. Contact us at your convenience – we are but a call, text or click away!

The Caton Team believes, in order to be successful in the San Fransisco | Peninsula | Bay Area | Silicon Valley Real Estate Market we have to think and act differently. We do this by positioning our clients in the strongest light, representing them with the utmost integrity, while strategically maneuvering through negotiations and contracts. Together we make dreams come true.

A mother and daughter-in-law team with over 35 years of combined, local Real Estate experience and knowledge – would’t you like The Caton Team to represent you? Let us know how we can be of service. Contact us any time.

Call | Text | Sabrina 650.799.4333 | Susan 650.796.0654

Email |   Info@TheCatonTeam.com

 

The Caton Team – Susan & Sabrina
A Family of Realtors
Effective. Efficient. Responsive.
What can we do for you?

The Caton Team Testimonials | The Caton Team Blog – The Real Estate Beat | TheCatonTeam.com | Facebook | Instagram | HomeSnap | Pintrest | LinkedIN Sabrina | LinkedIN Susan

Want Real Estate Info on the Go?  Download our FREE Real Estate App:  Mobile Real Estate by The Caton Team

Berkshire Hathaway HomeServices – Drysdale Properties

DRE # |Sabrina 01413526 | Susan 01238225 | Team 70000218 |Office 01499008

The Caton Team does not receive compensation for any posts.  Information is deemed reliable but not guaranteed. Third party information not verified.

10 Year Challenge – Bay Area Real Estate Edition

The Caton Team just had to jump in on the #10yearchallenge with a Real Estate twist. Check out the 2008 vs 2018 Price per square foot for single family homes in San Mateo, Santa Clara, San Francisco and Alameda Counties. Wow. Makes sense. When we say – Don’t Wait to Buy Real Estate – Buy Real Estate and Wait!

We also threw in Susan’s headshot circa 1996, Sabrina’s circa 2004, The Caton Team established in 2005 and The Caton Team now.

Got Real Estate Questions?   The Caton Team is here to help.

We strive to be more than just Realtors – we are also your home resource. If you have any real estate questions, concerns, need a referral or some guidance – we are here for you. Contact us at your convenience – we are but a call, text or click away!

The Caton Team believes, in order to be successful in the San Fransisco | Peninsula | Bay Area | Silicon Valley Real Estate Market we have to think and act differently. We do this by positioning our clients in the strongest light, representing them with the utmost integrity, while strategically maneuvering through negotiations and contracts. Together we make dreams come true.

A mother and daughter-in-law team with over 35 years of combined, local Real Estate experience and knowledge – would’t you like The Caton Team to represent you? Let us know how we can be of service. Contact us any time.

Call | Text | SABRINA 650-799-4333 |. SUSAN 650-796-0654

Email Info@TheCatonTeam.com

The Caton Team – Susan & Sabrina
A Family of Realtors
Effective. Efficient. Responsive.
What can we do for you?

The Caton Team Testimonials | The Caton Team Blog – The Real Estate Beat | TheCatonTeam.com | Facebook | Instagram | HomeSnap | Pintrest | LinkedIN Sabrina | LinkedIN Susan 

Want Real Estate Info on the Go?  Download our FREE Real Estate App:  Mobile Real Estate by The Caton Team

Berkshire Hathaway HomeServices – Drysdale Properties

DRE # |Sabrina 01413526 | Susan 01238225 | Team 70000218 |Office 01499008

The Caton Team does not receive compensation for any posts.  Information is deemed reliable but not guaranteed. Third party information not verified.