Helping First-Time Buyers Purchase Appliances – a New Program in 2021

C.A.R.’s Housing Affordability Fund Home Essentials Program will provide qualified first-time California homebuyers a $1,250 Lowe’s Gift Card to purchase appliances for their new residence. * Due to limited availability, funds will be distributed on a first come/first served basis.

       How to Qualify:

  • Be a first-time Homebuyer
  • Homebuyers must use a California REALTOR® in the transaction (That’s The Caton Team)
  • Purchase a primary single-family residence in California with the intent to occupy the property as your primary residence (“Single Family Dwelling” means any single-family residence (including a manufactured home or mobile-home), a single-family residential unit in a condominium, cooperative or planned unit development, or a single family residential unit within a one-to-four family residence you purchased in California
  • The conforming loan amount on the single-family residence must be at or below the FHA Conforming Loan Limits
  • The purchase of the single-family residence must use financing. All-cash purchases do not qualify.

       How to Apply:

  • REALTORS® must complete a Home Essentials Program application and Home Essentials Certification form on behalf of their client
  • Once the Home Essentials Program Application is received and processed, we will email you the Home Essentials Certification Form for your client to fill out and sign, in order to be considered a completed application.
  • You will then receive an email confirming your submission of the Home Essentials Program Application
  • The Home Essentials Program application form along with rules and conditions for HAF’s Home Essentials Program will be available January 08, 2021 

Please Note: HAF must receive all program requirements below no later than thirty (30) days after closing escrow:

      1. Home Essentials Program Application and Home Essentials Certification Form
      2. Purchase Contract
      3. Closing Disclosure Form

Got Questions? Contact The Caton Team – Call | Text | Sabrina 650.799.4333 | Susan 650.796.0654 |EMAIL |  WEB|   BLOG

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HOW TO SELL during COVID-19HOW TO SELLHOW TO BUY during COVID-19- HOW TO BUY MOVING MID PANDEMICTRUST AGREEMENTS and HEALTH CARE DIRECTIVESOUR TESTIMONIALS

I read this article HERE 

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.  How can The Caton Team help you?

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 |  WEB|   BLOG

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.

Hindsight – 2020 and Real Estate

 Hello Caton Team Friends – sharing this great article about 2020 and Real Estate – what to expect this year…

The housing momentum continues into the first week of 2021. 

California’s 2020 Market Stats on Track to Close with More Growth Than Expected: The California Association of REALTORS® is still finalizing its numbers for December of 2020, but preliminary estimates suggest that the year ended with roughly 3% more home sales that occurred the previous year. Although not an impressive rate of growth by typical standards, given that activity virtually ceased during April and May when home sales were falling by more than 20%, it shows how strong the housing recovery was during the second half of 2020.

Rates Still a Bright Spot: Interest rates ticked up ever so slightly last week from 2.66% for a typical 30-year fixed rate mortgage to 2.67%. That is the lowest level ever recorded outside of the previous week. In addition, the Fed has signaled an increased willingness to keep rates low, and although recent election results in Georgia caused 10-year treasury rates to rise temporarily, the outlook for inflation remains dubious and low mortgage rates are still expected to persist through 2021.

Construction Spending Resumes Uptrend in November Report: In a sign of optimism for the future and a testament to the strength of buyer demand, new construction spending rose by 0.9% in November. This was driven entirely by an uptick in residential projects, are homebuyers continue to strain existing supply. Nonresidential construction has not benefitted from the structural shift ushered in by this crisis, which has made our homes more important to us than ever. In some cases, they have increased our individual needs for housing because we work from home and now need more space. As a result, nonresidential spending was down in November as delinquencies remain high and space requirements are being reevaluated.

Buyer Demand Still High Despite Modest Downshift: Mortgage applications declined again last week but remain above last year’s levels by nearly 5%. That marks a deceleration from previous weeks, but the previous week saw a market acceleration from the mid-20%s to more than 44% so the last two weeks are roughly on par with the solid growth of the previous month when taken together.

Pending Sales Down Outside California: Although pending sales in California remained strong in California, the National Association of REALTORS® reported that pending sales fell nationwide in November despite low rates. Demand remains relatively robust and rates remained low, but increasing economic restrictions likely suppressed new escrows. Despite the relatively small decline of 2.6% from October, pending sales were still up by more than 16% from the same time in 2019.

Forbearance Now Back on Uptrend: One observation does not make a trend, but the percentage of mortgages in forbearance has now rise for three consecutive weeks. The percentage of mortgages remained constant at 5.3%, which is down from its peak during the summer, but the number of mortgages in forbearance were up. In addition, FHA and VA forbearance rates rose last week, which drove the overall numbers higher.

California’s Public Health Challenges Persist: California continues to see cases of coronavirus surge to levels far in excess of levels seen during the summer. On Saturday alone, nearly 600 Californians died. This will continue to place economic restrictions on businesses and residents, which will impact jobs and incomes, and therefore rent and mortgage payments. We remain optimistic that the economy will continue to improve gradually as we move towards more general availability of the vaccines, but there will be significant challenges until that time. Even after economic activity can normalize, there will still be significant financial and economic losses that will take time to fully recover. 

Get exclusive inside access when you follow us on Facebook & Instagram

HOW TO SELL during COVID-19HOW TO SELLHOW TO BUY during COVID-19- HOW TO BUY MOVING MID PANDEMICTRUST AGREEMENTS and HEALTH CARE DIRECTIVESOUR TESTIMONIALS

I read this article in the California Realtor Association Magazine 

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.  How can The Caton Team help you?

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 |  WEB|   BLOG

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.

SOLD by The Caton Team – San Carlos

We love turning Real Estate goals into Reality – even mid-pandemic.

SALES INFO

SALES INFO

How can The Caton Team help You?

Many of our clients are our friends, many of our clients turn into friends.  Helping our friends brings us joy!  

When it was clear – even mid-pandemic – there was no stopping The San Carlos Real Estate Market – our client took advantage of the opportunity.  We found the perfect home for their needs and were able to obtain a bridge loan from Welcome Home Funding to buy it.

It takes a team to make Real Estate happen – so The Caton Team was very grateful to work with Violaine M’Raihi of Intero – a great listing agent makes our lives easier.

Thank you Kit for trusting The Caton Team with your Real Estate goals – feels so good to have helped you accomplish it!

 How can The Caton Team help You?

Call | Text | Sabrina 650.799.4333 | Susan 650.796.0654 |  EMAIL  |  WEB  |   BLOG

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  |  WEB  |   BLOG

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.

New Year – Now What?

Hello Caton Team Friends! Happy New Year!

I love seeing my phone ring with new year resolutions to buy or sell and all the questions that come with it. There is no one blog I could post to aid you – so I invite you to call or email The Caton Team for a personal consultation.

The Caton Team LOVES what we do and happy to chat with our friends and clients to come up with a plan to sell or buy now or later. With so many moving parts – each client’s journey is personal and we can create a plan tailored to your needs.

Not ready to chat? No worries – below are links to the most popular Real Estate topics for you to read at your leisure. But when you do need us – we’re ready to be of service. Call or text us.

Call | Text | Sabrina 650.799.4333 | Susan 650.796.0654 |EMAIL |  WEB|   BLOG

How can The Caton Team help you?

Get exclusive inside access when you follow us on Facebook & Instagram

HOW TO SELL during COVID-19HOW TO SELLHOW TO BUY during COVID-19- HOW TO BUY MOVING MID PANDEMICTRUST AGREEMENTS and HEALTH CARE DIRECTIVESOUR TESTIMONIALS

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.  How can The Caton Team help you?

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 |  WEB|   BLOG

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.