What Should Be in an Emergency Survival Kit? – Shared Article

Preparing and keeping a fully stocked home emergency preparedness kit could be the key to your family’s safety if disaster strikes.

Recent weather events have made homeowners get serious about having an up-to-date emergency kit. You may be at home without water or power or need to quickly evacuate. Either way, you’ll want to have the supplies you need ready to go. When you pack or update your emergency kit, you’ll need to factor in the type of event you might be dealing with and stock up accordingly. The following advice covers a basic kit as well as extra items you should have for a hurricane or storm surge, a winter storm, or an evacuation.

Basic Emergency Kit

Here are 15 basics recommended by the Red Cross:

  • Water: one gallon per person, per day (3-day supply for evacuation, 2-week supply for home)
  • Food: nonperishable, easy-to-prepare items (3-day supply for evacuation, 2-week supply for home)
  • Flashlight
  • Battery-powered or hand-crank radio (NOAA Weather Radio, if possible)
  • Extra batteries
  • First aid kit
  • Medications (7-day supply) and medical items
  • Multi-purpose tool
  • Sanitation and personal hygiene items
  • Copies of personal documents (medication list and pertinent medical information, proof of address, deed/lease to home, passports, birth certificates, insurance policies)
  • Cell phone with chargers
  • Family and emergency contact information
  • Extra cash
  • Emergency blanket
  • Maps of the area

Extra Emergency Supplies for a Hurricane or Storm Surge

Here are extra supplies and actions to take before a hurricane or a storm surge:

  • Gather your insurance information and check your coverage. Do this long before a storm strikes.
  • Take a photo inventory of your home.
  • Download the FEMA app to help you with preparations such as creating a family emergency communications plan. FEMA recommends including the same items as in a basic emergency kit.
  • Take a can opener.
  • Invest in a generator and make sure you have whatever gas or propane you need to power it. The size of the generator should be based on the amount of wattage you need to power the items you want. Even a small generator can be helpful for necessary appliances such as your cell phone, a CPAP machine, or a small refrigerator to keep medicines cold. If you’re on a limited budget, you can purchase a fairly inexpensive foldable solar panel to charge your phone and some lights.”
  • Use your electric car, if you have one, and a wall battery as a power source. And there are ways to run power through an inverter from your car battery and get power from your car to your home.

Extra Emergency Supplies for a Winter Storm

The Federal Emergency Management Agency recommends having these items on hand, especially if you want to prepare for being at home several days without power. This list includes items in addition to those listed in the basic kit.

  • Snow shovels: You’ll need more than one because they can break, and four hands are better than two
  • Deicers, preferably the pet-safe type: Some types of deicer that are more environmentally safe include calcium magnesium acetate and sand to improve traction. Stock up early in the season, because they become scarce before a well-publicized storm.
  • Wood: store a supply of dry, seasoned wood if you have a working fireplace or wood burning stove with a safe flue or vent, a full propane tank, or a generator.
  • Warm bedding and clothes: Clean blankets, pillows, and warm clothing (including hat and mittens) for everyone in the house in case you can’t do laundry for a while.
  • Build an emergency supply kit for your car including a first aid kit, jumper cables, a full tank of gas, a cell phone and charger, a shovel, an ice scraper, a snow brush, sand/cat litter, warm clothing and blanket, water and snacks, tire chains, tow rope, and flares.

Extra Emergency Supplies and Guidelines for an Evacuation

Here are guidelines and items beyond the basics in case you need to evacuate.

Keep copies of important papers in a plastic, waterproof case. FYI, this stuff is priceless, because you may need to prove who you are and that you own your house. Note that FEMA is now accepting more ways to verify home occupancy or ownership before providing certain types of assistance.

In addition to the documents listed for the basic emergency kit, Include:

  • Your driver’s license
  • Proof of insurance
  • Social Security cards

Take these ongoing or preliminary precautions as well:

  • Safeguard pets. Make sure they’re microchipped and have identification collars. Create pet grab-and-go kits that include leashes, medications, meal bowls, and three days’ worth of food and water.
  • Prep your yard. Maintain your trees and shrubs so diseased or weakened branches won’t fall down and damage your property.
  • Know your utility shutoffs. Learn now how to safely shut off all utility services in your home. FEMA has tips for shutting off electricity, water, and gas. Note: To turn off gas you may need a special wrench.
  • Stockpile sandbag materials. If you live in a flood prone area, keep sandbags on hand or the materials to make them. It takes 100 sandbags to create a 1-foot-tall wall that’s 20 feet long. If you’re filling bags on the fly, two adults can create the wall in about an hour.
  • Protect windows. If you live in an area susceptible to hurricanes, install shutters that are rated to provide protection from windblown debris.

Emergency Kit Storage Locations

Since you can’t predict where you’ll be during an emergency, it’s essential to have a well-prepared home kit:

  • Keep your emergency kit in a designated, easily accessible location and ensure it’s ready in case you need to leave your home quickly.
  • Make sure all family members know where the kit is stored.

Emergency Kit Maintenance

Update your kit as your needs change, and replace food and water approaching its expiration date. You might pick a specific time each year to check, such as before hurricane season in the south or after Thanksgiving if you live in the north.

Once you’ve put your kit together, it’s important to keep it in good condition so it’s available when necessary:

  • Store canned goods in a cool and dry location.
  • Keep boxed foods in airtight plastic or metal containers.
  • Regularly check and replace items that have expired.
  • Annually reassess your requirements and adjust your kit to accommodate any changes in your family’s needs.

Annually reassess your requirements and adjust your kit to accommodate any changes in your family’s needs.

I read this article HERE. By: HouseLogic

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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.

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8 Tricks to Make Your Small Bathroom Look Bigger, According to Designers – Shared Article

There’s a lot you can do to visually expand your bathroom, without any physical renovations.

In an ideal world, your bathroom would be a spacious, spa-like retreat with a double vanity, a separate shower and tub, and ample storage for all your essentials. But in reality, your bathroom might just be a small, primarily functional space. But don’t worry—if expanding isn’t an option, you’re not entirely out of luck. With a few smart design tricks, you can create the illusion of a larger, more comfortable space. Here’s how to make a small bathroom look bigger, according to interior designers. 

Replace That Shower Curtain With a Glass Door

Shower curtains cut off your bathroom, making the space appear smaller. So, swap it out and add a glass door instead. “A glass door instantly can add a few more square feet into the space visually,” says interior designer James Pearse Connelly. “Now you can see more of the room!” Don’t forget, however, that the more you can see, the more you need to keep tidy, he warns.

If you don’t have the budget to install a new shower door, you can, at the least, swap your opaque shower curtain for a transparent option that will still allow you to expand the space visually.

Reflect as Much Light as Possible

Another trick to making your bathroom look bigger is to reflect light. Connelly suggests using big mirrors, which means it’s time to replace that small, dated medicine cabinet with a much more substantial mirror.

Another way the designer advises reflecting light is to choose chrome hardware. “It will make the light dance around the room,” he says.

Go Monochromatic

Connelly recommends opting for either a very dark or very light color scheme in the bathroom to expand the space visually. “For instance, an all-white or an all-black bathroom can affect lighting differently and dramatically make the space look larger while taking the space to new dimensions,” he explains.

As for specific hues, the designer likes incorporating deep navy blues and dark burgundies, as well as ivories and creams. “These shades offer a sophisticated yet spacious feel,” he says.

When It Comes to Sinks, Less Is More

The sink and vanity can mean the difference between feeling like you’re in a crammed closet or not. Designer Shannon Askinasi of Ash and Pine Interiors says floating wood or marble vanities are always a great choice for small bathrooms.

“When you can see the floor below the vanity, it makes the room feel larger,” Askinasi says. “Pedestal sinks are also a space-saver, but they lack the storage potential of a floating vanity.”

Connelly also recommends keeping the sink proportional to the room. “If the room is small, keep the sink small,” he says. “I prefer to see as much floor as possible in small rooms.”

Install Patterned Wallpaper 

While it’s a different approach than the monochromatic look Connelly suggests above, Askinasi is a big fan of installing vinyl wallpaper in smaller bathrooms. “I find that vertical stripes, chevrons, and large repeating patterns—with a lot of negative space—are the perfect way to make a small bathroom appear larger,” she says.

Don’t Be Afraid to Go Bold

“When designing a small bathroom, I always try to include a few design elements that pack a punch,” notes Askinasi. “Whether it’s a fluted vanity, a beautiful accent wall, interesting lighting, or all of the above, I give the eye multiple places to look in order to make a small space feel larger. I also like to include glass pendants or sconces in order to reflect light and create the illusion of depth.”

Keep Your Finishes Consistent Across All Surfaces

Connelly tells me it’s best to avoid emphasizing specific details, like the molding, ceilings, or flooring, and instead aim to create a cohesive look. “Let your floor tile come up on the wall,” he recommends. “Paint your ceiling the same color as the walls. Bring your countertop stone behind the mirror.”

Keep It Clutter-Free

While it’s necessary to have some items out, like a soap pump and perhaps a toothbrush, keeping out too many decorative items (and all your skincare products) is only going to make your bathroom look more cluttered and crammed.

Lastly, while you probably need a garbage can, it’s best to keep the plunger and toilet brush off the floor and stored away, out of sight.

I read this article HERE. By Amanda Lauren

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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 – wouldn’t you like The Caton Team to represent you? Let us know how we can be of service. Contact us any time.

Cell | Sabrina 650.799.4333 | Susan 650.796.0654 | EMAIL |  WEB|   BLOG

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3 Design Trends to Consider if Selling – Shared Article

Home design is embracing the “comfort” theme for 2025—a perfect style to adopt when prepping a home for sale.

Color, texture and patterns are making for more playful backgrounds in unique, cozy spaces. In home staging, you can still embrace this hot trend, even without getting too wild. Here’s how.  

1. Color Is Back

Say goodbye to cold, stark white walls as real estate agents and home sellers embrace statement-worthy colors that can add warmth and texture to unexpected places around the home. Color is being used for accent walls, kitchen islands and even the fifth wall—the ceiling.

Need some inspiration for color pops? The paint firm Sherwin-Williams offers nine paint “Colors of the Year” for 2025, ranging from caramel browns to earthy yellows. Also, welcome back more earth tones, especially brown hues, which can feel timeless and grounding.

Bosc pear color

Photo courtesy: Sherwin-Williams / 2025 Color Capsule of the Year: Bosc Pear

Grounded color

Photo courtesy: Sherwin-Williams / 2025 Color Capsule of the Year: Grounded

While you’re ditching the whites or grays, swap them out for warm beiges, which is a more trendy, neutral paint color for staging a home.

2. Design for Wellness

The post-COVID world has inspired us to seek dedicated spaces for wellness within our homes to unwind and recharge. Think small yoga studios, meditation rooms, spa-like bathrooms, hot saunas and even cold plunges.

Wellness/yoga room

Photo credit: Melissa Tracey

Soft rugs, aromatic candles, soothing music and adjustable lighting can lighten the mood and bring potential calming, psychological benefits.

Bathroom tub

Photo credit: Melissa Tracey

Further, entire communities are using the wellness trend to attract home buyers. An urbanistic community south of Atlanta, called Serenbe, markets wellness-related amenities for those who desire stronger connections to nature. For example, the community touts its acres of preserved forests and miles of nature trails, as well as a 25-acre farm that produces more than 300 varieties of fruits, vegetables, herbs and flowers for residents.

3. Texture Explosion

Plain walls are a thing of the past, as textured surfaces are adding depth and interest to a home’s spaces. Wallpapered ceilings, wood paneling and decorative plaster finishes are transforming flat surfaces into dynamic focal points.

Texture in a living room

Photo credit: Gremlin / Getty Images

Also, the trend toward nature-inspired design is incorporating more stones, wood and natural fibers for adding more texture into a home. Further, indoor plants, living walls and natural materials can play a dominant role in helping to make a formal space feel more relaxed and approachable.

Overall, interior design in 2025 is shifting to fit our lifestyles. And that’s playing out in a bigger way in staging a home, too. Home buyers likely won’t be convinced by flat, uninspiring surfaces or rooms. Instead, showcase textured elements, wellness design and warm colors that give the walls a sense of security and warmth, and welcomes buyers right in.

Office textures

Photo credit: Melissa Tracey

I read this article HERE. By: Krisztina Bell

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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 – wouldn’t you like The Caton Team to represent you? Let us know how we can be of service. Contact us any time.

Cell | Sabrina 650.799.4333 | Susan 650.796.0654 | EMAIL |  WEB|   BLOG

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GET READY CAPITAL. A great loan option for sellers to help prepare their home for sale – Ask The Caton Team How!

The Caton Team is proud to announce, that Berkshire Hathaway HomeServices offers a simple loan to help seller prepare their home for sale.

Check out the loan calculator to see the interest rate, origination fees and cost of your plans >>> HERE.

Fund are available quickly. Flexible vendor options, flexible on what a seller spends their funds on, no vendor platform markups. We’d love to sit down with you and discuss how Get Ready Capital can help you sell your home! CONTACT THE CATON TEAM FOR FURTHER DETAILS | Call | Text  650.799.4333 | Email | Info@TheCatonTeam.com

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We love what we do and would love to help you navigate your sale or purchase of Residential Real Estate. Please reach out at your convenience for a personal consultation. Please enjoy our free resources below and get to know our team through our clients’ words>>>Testimonials

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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 |  WEB|   BLOG

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Privacy Tips for Those Who Use Voice Assistants – Shared Article

Make sure you know how to protect their data through programming options on their voice assistants.

Close-up of smart speaker standing on table in the room with woman using laptop sitting on sofa in background

shironosov / Getty Images

Voice assistants are a common feature in modern homes, offering convenience and control over various smart devices. However, the growing adoption of this technology also raises concerns over privacy and data security. Many smart home devices, particularly those from major tech companies like Amazon and Google, collect and monetize consumer data without fully disclosing to the end user how that data is utilized. 

For real estate agents working with customers who are interested in smart home technology like voice assistants, knowing that this happens—and how to mitigate any unwanted collection of private information—is valuable information to relay. Here are some critical strategies and best practices to share with your smart home clients for safeguarding their data when using voice assistants.

The Privacy Concerns with Major Voice Assistants

Voice assistants from Amazon (Alexa) and Google (Google Home) are some of the most popular on the market, but they come with extensive data collection practices. A recent study by VPN provider Surfshark found that Amazon’s Alexa collects around 28 data points and Google Home collects 22. This includes sensitive data like device identifiers, location, contacts, browsing history and even audio recordings. The data collected is often linked to user profiles, potentially revealing personal addresses, precise location and even health data. These findings highlight the importance of proactively managing privacy settings on voice assistants.

Strategies for Securing Privacy

There are ways to continue using voice assistants and mitigate the amount of information they collect. 

  1. Know what’s being collected. Make sure to review the privacy policies of any voice assistant and its connected devices. Many of these platforms offer transparency reports or privacy dashboards that show exactly what data is being collected and stored.
  2. Mute the device when it’s not in use. Most voice assistants come with a mute function, which can be activated when the device is not in use to ensure it isn’t listening when it shouldn’t be. Some voice assistants, like Josh.ai, offer a physical mute button or a built-in privacy switch, giving users confidence that their conversations remain private.
  3. Set up voice recognition and “wake words” with intention. Ensure that the voice assistant is set up to only activate with specific wake words—a word or phrase that you set up to trigger the assistant into an active mode—and isn’t mistakenly listening to everyday conversations. This prevents accidental activation and reduces the chances of unintended recording.
  4. Adjust the device’s privacy settings. In the app settings of most voice assistants, users can review and delete their voice history or choose settings that limit data sharing. For example, users may opt out of certain voice recordings being stored or shared with third-party apps.
  5. Limit user access. Controlling access is key to privacy. Set up specific roles or password-protected user accounts for each family member who uses the voice assistant. This not only secures access but also prevents unauthorized users from controlling the smart home.

A Privacy-Focused Approach: Josh.ai

One example of a voice assistant prioritizing privacy is Josh.ai, a professionally installed solution that offers advanced privacy controls. Here are a few of the features the technology offers:

  1. Transparent Voice Activation: Josh.ai only activates when its designated wake word is used, and its microphones show a clear visual indicator when listening. This minimizes accidental recordings.
  2. Local Processing of Data: Whenever possible, Josh.ai processes data locally within the home, reducing the amount of information sent to the cloud. When cloud processing is necessary, the company uses encrypted connections to secure user data.
  3. User Ownership of Data: Users maintain control over their data. Settings can be adjusted based on comfort levels with data sharing, ensuring a balance between personalized functionality and privacy.
  4. Secure Access Management: Strict password policies and user roles are enforced, requiring authentication for access to the smart home system. This ensures that only authorized individuals can control or access information through the voice assistant.

By understanding privacy settings and taking control of how data is managed, you and your clients can confidently enjoy the benefits of voice assistants without compromising on security. Remember, to convey that privacy is in the hands of the individual—don’t hesitate to use the tools available to protect it.

I read this article HERE. By: Brandon Doyle

Got Questions? The Caton Team is here to help.

Cell| Sabrina 650.799.4333 | Susan 650.796.0654 |  EMAIL  |  WEB  |   BLOG

We love what we do and would love to help you navigate your sale or purchase of Residential Real Estate. Please reach out for a personal consultation. Please enjoy our free resources below and get to know our team from our TESTIMONIALS.

Effective. Efficient. Responsive. The Caton Team 🏡  

How can The Caton Team help You?

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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 – wouldn’t you like The Caton Team to represent you? Let us know how we can be of service. Contact us any time.

Cell | 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?

Website | The Caton Team Testimonials | Our Blog – The Real Estate Beat | Search for Homes | Facebook | Instagram | HomeSnap | Pinterest | LinkedIn Sabrina | Photography | Photography Blog 

Berkshire Hathaway HomeServices – Drysdale Properties, Redwood City Ca.

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.

Appraisals Will Look Very Different in the Near Future – Are You Ready? – Shared Article

By: Keisha Wilkinson

Over a 14-month period starting in September, lenders are phasing in new appraisal reporting for all GSE-conforming loans. As appraisers adjust to the new standards, agents will be key partners in ensuring the data is accurate and complete. Learn more— and watch the latest “Supporting Your Value” appraisal webinar.

For a long time, appraisals for mortgage transactions have been reported in the same way—via a form designed for a typewriter. The form varies depending on property type, but each variation includes boxes to check and blank spaces to fill out.

Although appraisers have long completed forms using web-based platforms, these forms—required for loans conforming to government sponsored enterprise standards—are rigid in structure. Often, there isn’t enough space for the appraiser to provide all relevant information. In that case, the reader sees the dreaded, “See addendum.” At that point, the reader of the report will have to read through sometimes pages of freeform text to find what they are looking for.

Beginning in September 2025, all of this will change. Read on to learn more about the transition, and how appraisers and agents can work together to get through the transition.

Why Appraisals Are Changing

The new appraisal reporting structure, known as the Uniform Appraisal Dataset (UAD 3.6), was spearheaded by Fannie Mae and Freddie Mac under the direction of the Federal Housing Finance Agency. The initiative has been underway since 2018.

UAD 3.6 aligns appraisal data with current mortgage industry data standards. In addition, the new appraisal report allows for dynamic reporting of appraisal data and makes the information easier for readers to consume while increasing discrete data points that the GSEs can use for internal analysis.

Under this new structure, appraisal reports, regardless of property type, will have a standard front page that includes:

  • Property summary with the opinion of market value
  • Photo of the subject property
  • Property description
  • Appraisal type

The report will also feature much more detail upfront on the interior of the property, allowing appraisers to add descriptive commentary to go along with photos. Condition and quality will be broken out by exterior and interior, with areas for description of interior details.

The dynamic form expands as needed to include additional information. For instance, if the appraiser indicates there’s an accessory dwelling unit, a section will appear for the appraiser to provide details. If there is no ADU, however, that section will not appear. (Here are some sample scenarios to show you what the new reports will look like. The Single Family Scenario 5 beginning on page 271 contains key characteristics that appear often in residential appraisals.)

Appraisers across the country are preparing for the change, but it won’t be easy. That’s why the GSEs have allowed a 14-month rollout period. During that time, all appraisal software used for mortgage transactions is changing to accommodate the new report. Appraisers must consider whether their existing provider or a competitor best meets their needs.

In addition, UAD 3.6 also has many new discrete datapoints that appraisers must relay—and this highlights the importance of the appraiser-agent relationship. Any relevant information agents can provide upfront will help appraisers complete the appraisal in a timely manner and prevent the need for a return trip the property or other delays.

Take a Deeper Dive into UAD 3.6

The UAD 3.6 will bring big change—from the datapoints appraisers are required to provide to the way appraisal results are reported. Appraisal forms for individual property types will be a thing of the past for most appraisals. Some lenders will begin using the new UAD as early as September 2025. Use of the form will be required for all Fannie Mae and Freddie Mac loans as of November 2026.

How can you get up to speed? As part of NAR’s “Supporting Your Value” webinar series, speakers from Fannie Mae and Freddie Mac recently gave NAR members a rundown of why the UAD is being updated, showed examples of data required and what the new reporting look will look like, and provided resources to help agents and appraisers prepare for the transition. Hundreds of NAR members registered and attended the no-cost session, and you can now watch a recording of the April 29 webinar, “The New Uniform Appraisal Dataset: What REALTORS® Need to Know.”

I read this article HERE.

Got Questions? The Caton Team is here to help.

Cell| Sabrina 650.799.4333 | Susan 650.796.0654 |  EMAIL  |  WEB  |   BLOG

We love what we do and would love to help you navigate your sale or purchase of Residential Real Estate. Please reach out for a personal consultation. Please enjoy our free resources below and get to know our team from our TESTIMONIALS.

Effective. Efficient. Responsive. The Caton Team 🏡  

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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 Francisco | 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 – wouldn’t you like The Caton Team to represent you? Let us know how we can be of service. Contact us any time.

Cell | 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?

Website | The Caton Team Testimonials | Our Blog – The Real Estate Beat | Search for Homes | Facebook | Instagram | HomeSnap | Pinterest | LinkedIn Sabrina | Photography | Photography Blog 

Berkshire Hathaway HomeServices – Drysdale Properties, Redwood City Ca.

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.

Boosting Home Value: Guiding Clients on Smart Home Improvements – Shared Article

Home Improvement – when done thoughtfully can increase the value of your home.

Why Home Improvements Matter in Real Estate

When listing a home, first impressions and marketability are key. Here’s how the right home upgrades can make a difference:

  • Higher Selling Price – Homes with modern finishes, energy-efficient upgrades, and enhanced curb appeal often command a premium.
  • Faster Sales – Move-in-ready homes attract more buyers, reducing time on the market.
  • Competitive Advantage – In a crowded market, homes with desirable upgrades stand out and generate more interest.
  • Better Listing Photos & Showings – Small upgrades can make a home more photogenic, drawing in more potential buyers online.

Top Home Improvements to Recommend

While every home is different, certain improvements consistently offer a high ROI. Here are the best upgrades to suggest to your sellers:

1. Kitchen Updates (ROI: 50-80%)

A kitchen can make or break a sale. Encourage sellers to focus on cost-effective updates such as:

  • Painting or refacing cabinets instead of replacing them
  • Updating countertops with quartz or granite for a modern look
  • Installing stainless steel appliances for a polished finish
  • Upgrading lighting and hardware to add a fresh touch

2. Bathroom Renovations (ROI: 60-70%)

Outdated bathrooms can turn buyers away.  Simple yet impactful improvements include:

  • Replacing old vanities, faucets, and fixtures
  • Updating lighting for a bright, modern feel
  • Adding a fresh coat of neutral paint
  • Installing energy-efficient toilets and showers

3. Curb Appeal Enhancements (ROI: 75-100%)

Since buyers form an opinion within seconds of seeing a home, curb appeal is crucial.

Recommended upgrades:

  • A fresh coat of exterior paint or updated siding
  • A new front door or garage door for a polished look
  • Well-maintained landscaping, including trimmed bushes and fresh mulch
  • Outdoor lighting to create a warm, inviting atmosphere
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4. Energy-Efficient Upgrades (ROI: 60-90%)

Today’s buyers prioritize energy efficiency to reduce long-term costs.

Upgrades that add value include:

  • Installing energy-efficient windows and doors
  • Adding insulation to improve heating and cooling efficiency
  • Replacing old HVAC systems with modern, cost-saving models
  • Installing smart thermostats and LED lighting for convenience and savings

5. Converting Unused Spaces (ROI: 65-75%)

Buyers love extra living space, and sellers can increase their home’s value by:

  • Finishing a basement or attic for additional square footage
  • Creating a home office, gym, or guest suite—features in high demand
  • Converting a garage into a functional space if parking isn’t a concern

Leveraging Home Improvements to Close More Deals

As an agent, positioning yourself as a knowledgeable advisor on home improvements can strengthen your client relationships and enhance your reputation. Here’s how:

  • Offer Pre-Listing Consultations – Walk through a client’s home and suggest cost-effective upgrades to boost value.
  • Connect Clients with Trusted Contractors – Recommend reliable professionals for renovations and repairs.
  • Use Before-and-After Success Stories – Showcase past listings that benefited from strategic upgrades to persuade hesitant sellers.
  • Highlight Upgrades in Marketing Materials – Emphasize desirable renovations in listing descriptions and social media promotions.

Home improvements don’t have to be expensive or time-consuming to make a significant impact. By guiding sellers toward smart, high-ROI upgrades, real estate agents can help them maximize their home’s value, attract more buyers, and close deals faster.

I read this article HERE. By Robert Lane.

Got Questions? The Caton Team is here to help.

Cell| Sabrina 650.799.4333 | Susan 650.796.0654 |  EMAIL  |  WEB  |   BLOG

We love what we do and would love to help you navigate your sale or purchase of Residential Real Estate. Please reach out for a personal consultation. Please enjoy our free resources below and get to know our team from our TESTIMONIALS.

Effective. Efficient. Responsive. The Caton Team 🏡  

How can The Caton Team help You?

TESTIMONIALS | HOW TO SELL | VIRTUAL STAGING | A GUIDE TO BUYING | BUYING INFO |  MOVING | TRUST AGREEMENTS | HEALTH CARE DIRECTIVESTESTIMONIALS

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

TESTIMONIALS | HOW TO SELL | VIRTUAL STAGING | A GUIDE TO BUYING | BUYING INFO |  MOVING | TRUST AGREEMENTS | HEALTH CARE DIRECTIVESTESTIMONIALS

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 – wouldn’t you like The Caton Team to represent you? Let us know how we can be of service. Contact us any time.

Cell | 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?

Website | The Caton Team Testimonials | Our Blog – The Real Estate Beat | Search for Homes | Facebook | Instagram | HomeSnap | Pinterest | LinkedIn Sabrina | Photography | Photography Blog 

Berkshire Hathaway HomeServices – Drysdale Properties, Redwood City Ca.

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.

Federal Housing Administration (FHA) updates its loan limits – Shared Article

A shout out to my friend and lender Christian Carr – NMLS #1466899 for posting this information I felt I should share here.

The Federal Housing Administration (FHA) updates its loan limits and the mechanics of its loan programs each year. For 2025, there are key changes that homebuyers—especially first-time and moderate-income borrowers—should be aware of.

FHA Loan Limits in 2025

• Single-family homes: Loan limits range from $524,225 in low-cost areas (floor limit) to $1,209,750 in high-cost counties (ceiling limit).

• Multi-unit properties:

◦ 2-unit: $671,200 – $1,548,975

◦ 3-unit: $811,275 – $1,872,225

◦ 4-unit: $1,008,300 – $2,326,875

• These limits are tied to median home prices and align with conforming loan ceilings set by the FHFA ($806,500 standard / $1,209,750 high-cost).

Why it matters: Higher limits allow FHA financing for more expensive homes without needing a jumbo mortgage.

FHA Repayment Terms & Refinancing Options

Fixed Terms and Gradual Payment Options

• Standard FHA mortgages come with 15- and 30-year terms

• Graduated Payment Mortgages (GPMs) are also available, allowing payments to increase gradually (e.g., 2.5%–7.5% annually) during the first 5–10 years before leveling out en.wikipedia.org.

🔄FHA Refinance Programs (2025 Highlights)

FHA homeowners may refinance under four main options:

1 Simple Refinance – Switch from one FHA loan to another to lower rate or shorten term, requires appraisal.

2 Streamline Refinance – Less documentation, sometimes no appraisal or credit check, must show “net tangible benefit” and have made 6+ on-time payments.

3 Cash‑Out Refinance – Access up to 85% equity for any purpose; requires appraisal.

4 203(k) Rehab Refinance – Finance purchase or refinance plus home improvements; available for primary residences only.

What Buyers Should Know

• Loan limits expanded in 2025—check your county limits via the HUD lookup tool.

• Graduated Payment Mortgages can help match payments to growing incomes—especially useful for younger buyers.

• Streamline refinances are attractive for existing FHA homeowners: minimal paperwork, faster turnaround—but closing costs apply (~3–6%).

• Cash‑out and 203(k) options remain available, but careful consideration of equity use and repayment ability is essential.

Final Thoughts

If you’re shopping for a new home or refinancing in 2025, FHA’s expanded limits can open more opportunities. Whether you’re looking to lower your rate, tap into equity, or finance renovations, FHA offers versatile programs—but it’s important to choose based on your goals and ability to repay. To verify your specific county’s limit, visit the official HUD lookup tool . For details on repayment plan options, review FHA’s official policy handbook or speak to an FHA-approved lender.

I read this article HERE.

Got Questions? The Caton Team is here to help.

Cell| Sabrina 650.799.4333 | Susan 650.796.0654 |  EMAIL  |  WEB  |   BLOG

We love what we do and would love to help you navigate your sale or purchase of Residential Real Estate. Please reach out for a personal consultation. Please enjoy our free resources below and get to know our team from our TESTIMONIALS.

Effective. Efficient. Responsive. The Caton Team 🏡  

How Can The Caton Team Help You?

TESTIMONIALS | HOW TO SELL | VIRTUAL STAGING | A GUIDE TO BUYING | BUYING INFO |  MOVING | TRUST AGREEMENTS | HEALTH CARE DIRECTIVESTESTIMONIALS

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

TESTIMONIALS | HOW TO SELL | VIRTUAL STAGING | A GUIDE TO BUYING | BUYING INFO |  MOVING | TRUST AGREEMENTS | HEALTH CARE DIRECTIVESTESTIMONIALS

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 Francisco | 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 – wouldn’t you like The Caton Team to represent you? Let us know how we can be of service. Contact us any time.

Cell | 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?

Website | The Caton Team Testimonials | Our Blog – The Real Estate Beat | Search for Homes | Facebook | Instagram | HomeSnap | Pinterest | LinkedIn Sabrina | Photography | Photography Blog 

Berkshire Hathaway HomeServices – Drysdale Properties, Redwood City Ca.

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.

The Stats are In… Market Snapshot for June 2025

Hello Caton Team Friends,

The stats are in for June 2025. What I see is price sensitivity. There is a lot of inventory on the market compared to years past, there is change in the air and it reflects in sales. We see some homes fetch multiple offers and sell over list price, but not crazy over. We also see some homes sitting and taking price reductions to attract offers. This year just feels different from the past 21 summers I’ve been in Real Estate. But that is not necessarily a bad thing. When the market is different that often is a great time to buy. All depends on where, when and the budget. So…. If you’re considering a Real Estate move, contact The Caton Team for a free consultation. With over 40 years of combined Real Estate experience, we have the knowledge and know-how to guide you to your goal. Call us at 650.799.4333 or email us at info@TheCatonTeam.com.

Let’s see our month over month

How can The Caton Team Help You?

Contact The Caton Team 650.799.4333 | Email Info@TheCatonTeam.com

Whether you are selling or buying – today or tomorrow – contact The Caton Team – we’re happy to help you achieve your Real Estate goals. 

Effective. Efficient. Responsive. The Caton Team 🏡 

Each market is unique and with over 40 years of combined Real Estate experience, The Caton Team is more than happy to be of service if and when you are considering a move. Contact us anytime during your journey, together we’ll help you achieve your Real Estate goals.

Got Questions? The Caton Team is here to help.

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

We love what we do and would love to help you navigate your sale or purchase of Residential Real Estate. Please reach out for a personal consultation. Please enjoy our free resources below and get to know our team TESTIMONIALS.

| HOW TO SELL | VIRTUAL STAGING | A GUIDE TO BUYING | BUYING INFO |  MOVING | TESTIMONIALS

RECENTLY SOLD by THE CATON TEAM

Homes Sold by The Caton Team | Helping Our Buyers Find Their Way Home

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

| HOW TO SELLGET READY CAPITAL – Loans to Prep for Sale | VIRTUAL STAGING | A GUIDE TO BUYING | BUYING INFO |  MOVING | 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 need 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 – wouldn’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 | Blog – The Real Estate Beat | TheCatonTeam.com | Facebook | Instagram | HomeSnap | Pinterest | LinkedIn Sabrina

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.

Free Household Hazardous Waste Disposal Options – Shared Article

Caring for our planet is important for The Caton Team. When we saw this service – we knew we had to share it with our people…

Many residents may not start to think about their options for disposing toxic waste—including paints, batteries and fertilizers—until the very last minute when they are moving. Sometimes they even ask their Realtor to take it in, which is actually illegal unless the realtor signs a special waiver.

Proxy Transport Waiver 

To help Realtors avoid this issue, San Mateo County Health has provided an informational postcards that you can share with clients, which explains their toxic waste disposal options. Clients of SAMCAR Realtors who bring the postcard to their HHW drop-off event appointment will receive a Home Depot gift card that may help them with the moving process.

Household Hazardous Waste Flyer Grapihc
Household hazardous waste (English) 
Los residuos domésticos peligrosos (Español) 
POSTCARD REQUEST FORM »

Learn more at www.smchealth.org/moving

I read this article HERE.

It is important we all do our part for our community and planet. THANK YOU!

Got Questions? The Caton Team is here to help.

Cell| Sabrina 650.799.4333 | Susan 650.796.0654 |  EMAIL  |  WEB  |   BLOG

We love what we do and would love to help you navigate your sale or purchase of Residential Real Estate. Please reach out for a personal consultation. Please enjoy our free resources below and get to know our team from our TESTIMONIALS.

Effective. Efficient. Responsive. The Caton Team 🏡  

How Can The Caton Team Help You?

TESTIMONIALS | HOW TO SELL | VIRTUAL STAGING | A GUIDE TO BUYING | BUYING INFO |  MOVING | TRUST AGREEMENTS | HEALTH CARE DIRECTIVESTESTIMONIALS

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

TESTIMONIALS | HOW TO SELL | VIRTUAL STAGING | A GUIDE TO BUYING | BUYING INFO |  MOVING | TRUST AGREEMENTS | HEALTH CARE DIRECTIVESTESTIMONIALS

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 Francisco | 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 – wouldn’t you like The Caton Team to represent you? Let us know how we can be of service. Contact us any time.

Cell | 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?

Website | The Caton Team Testimonials | Our Blog – The Real Estate Beat | Search for Homes | Facebook | Instagram | HomeSnap | Pinterest | LinkedIn Sabrina | Photography | Photography Blog 

Berkshire Hathaway HomeServices – Drysdale Properties, Redwood City Ca.

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.