Category: 1st time buyers

Forget wedding registries — many newlyweds would rather you help pay their mortgage – Shared Article

Key Points

  • Gen Z and millennial homebuyers are struggling in the real estate market.
  • To make homeownership more affordable, some buyers are turning to their friends and family.
  • A Zillow expert told BI that 20% of wedding registries now include house funds.

I read this article HERE. By Alcynna Lloyd

It’s no secret that becoming a homeowner is financially out of reach for many millennials and Gen Z buyers.

Zillow data shows that in 2025, the typical median-income family would need to earn about $17,670 more this year than last to afford the mortgage on a typical US home.

It couldn’t happen at a worse time.

While home prices are dipping in some cities, they remain high nationwide. And even though mortgage rates have edged lower week by week, they’re still hovering around 6% — a far cry from the 3% range seen just a few years ago. All this is unfolding against the backdrop of a sluggish economy and a job market marked by slower wage growth and a wave of layoffs hitting employers both small and large.

However, Zillow’s home trends expert Amanda Pendleton notes that some young homebuyers are finding a workaround — by asking friends and family to help them fund a home purchase.

“Spoiler alert, they’re not doing it alone. Thirty-eight percent of all buyers today are getting some kind of gift or loan from a family member or friend. And another fun stat — 20% of wedding registries now include house funds,” Pendleton told Katie Notopoulos on Business Insider’s new video podcast, “Well Spent.”

‘We would rather have wedding money spent toward a home than getting gifts”

Turning to family and friends is exactly what Aislyn and Ali Benjamin did when they got married in 2022.

The California couple didn’t want traditional wedding gifts like kitchen appliances, or anything that would be forgotten and gather dust in a few years. Instead, they asked their guests for cold, hard cash to help fund the construction of their first home.

It’s easy to understand why. The Benjamins both run small businesses in Danville, California, a city about an hour east of San Francisco, where the median home price was $1.8 million in September, according to Zillow. Buying a home in the city was unrealistic, and renting wasn’t a long-term solution. For them, building an accessory dwelling unit (ADU) in Ali’s parents’ backyard in San Ramon just eight minutes from Danville was their best shot at homeownership.

And why not use a day when everyone was already celebrating them to help make it happen?

“I just made a GoFundMe, and we sent it out with our invites so people could contribute through the online link,” Aislyn, 30, told Business Insider.

In total, the couple raised $5,545 on GoFundMe and received about another $5,000 in cash, checks, and other gifts at their wedding, bringing their total to about $10,000.

That money, along with help from Ali’s parents, allowed them to build a 1,200-square-foot ADU by Bay-area-based company Villa for $500,000. They also financed the project with a mortgage.

The exterior of an ADU home.
The Benjamins’ ADU. Courtesy of Villa

“It gave us a little bit of a head start and a buffer, allowing us to not have to save up quite as much money,” Ali Benjamin, 35, told Business Insider.

“We would rather have wedding money spent toward a home than getting gifts.”

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 DIRECTIVES | TESTIMONIALS

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 DIRECTIVES | 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 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 November 2025

Hello Caton Team Friends,

The stats are in for November 2025. We are seeing the normal pre-holiday activity or lack there of. Affordability is still an issue here, the interest rates haven’t moved enough to make any headway. The luxury end is holding up – but our more affordable price points are feeling it. With the cost of living on the rise I am curious what 2026 will bring. What are your thoughts?

For my selling clients, life changes everyday and if you need to sell your home – let’s come up with a strategy to get you sold! Even in an odd market The Caton Team can help you strategically sell your home.


For my buyers, some homes are garnering multiple offers, but some are overlooked. With a little legwork, a buyer can truly find some great opportunities when they align with the market.


If you’re considering a Real Estate move, contact The Caton Team for a free consultation. With over 45+ 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 SELL |  GET 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.

The Stats are In… Market Snapshot for Sept & Oct 2025

Hello Caton Team Friends,

The stats are in for September and October 2025. Where September showed some price adjustments down in the single family home sector – for October we are seeing growth. That dip in interest rates sure helped. Going from around 7% to 6% and then some down to the 5% level, gave buyers some breathing room and opportunity to act.

I still feel this year has been an odd year. Condo markets took a hit with many taking care of maintenance and safety issues that tapped into their reserves and bringing them down. Some fell off the “good” list and we hope to see those condos come back in full force as the condo market is so important for first time buyers.

For my selling clients, lives change everyday and if you need to sell your home – let’s come up with a strategy to get you sold! Even in a weird market The Caton Team can help you strategically sell your home.


For my buyers, some homes are garnering multiple offers, but some are overlooked. With a little legwork, a buyer can truly find some great opportunities when they align with the market.


If you’re considering a Real Estate move, contact The Caton Team for a free consultation. With over 45+ 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 SELL |  GET 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.

When Will Be the Best Time to Buy a Home in 2025? (Hint: It’s Coming Soon) By: Melissa Dittmann Tracey – Shared Article

You bet this article peaked my interest – read more on the best time to BUY in 2025.

Pumpkins on steps

© Mark Castiglia / iStock / Getty Images Plus

Mark your calendars: The week of Oct. 12-18, as well as its surrounding weeks, could offer your home buyers a prime time to make an offer on a home. A new study from realtor.com® finds the week offers a rare trifecta—more listings, lower prices and less competition—creating an ideal moment for agents to help home shoppers to make their move.

Greater housing options may be just the catalyst needed to get buyers off the sidelines this fall. Compared with recent years, they now have more choices—and more bargaining power.

“I expect this market momentum shift to magnify typical seasonal trends that favor home buyers in the fall,” says Danielle Hale, realtor.com®’s chief economist. According to realtor.com®’s data, the particular week of Oct. 12-18 could bring buyers not only more homes to choose among and fewer competing shoppers, but also potential average savings of more than $15,000 compared to this summer’s peak prices.

“In a year that’s been the most buyer-friendly in nearly a decade, it’s the best window of opportunity for home buyers all year,” Hale says. Plus, after a slower-than-usual summer for home sales, buyer demand may be poised for a rebound if mortgage rates continue to ease and home price increases slow.

6 Reasons to Buy This Fall

While the market has not yet tipped into a full “buyer’s market,” conditions are more balanced than they have been in years, Hale says. “This represents a significant shift after a period of historically tight supply and intense competition that left many home shoppers priced out,” she notes.

Here’s what the realtor.com® data shows tilting in buyers’ favor this fall—especially during the week of Oct. 12-18 for the majority of housing markets across the country.

1. More listings

Inventory levels typically peak in early fall, but this year the number of homes for-sale has reached the highest point since the pandemic. Active listings climbed above 1 million in late spring—a milestone not seen in years, according to realtor.com®. During the week of Oct. 12-18, buyers could see up to 33% more active listings than at the start of the year.

“This increase is giving buyers something they haven’t had in years: breathing room,” Hale notes in a recent column at realtor.com®. “More choices mean less pressure to rush into a decision or waive contingencies, and greater opportunity to find a home that fits both lifestyle and budget.”

2. Lower prices

Listing prices during the week of Oct. 12-18 typically run about 3.4% below the seasonal peak. That could translate into potential savings of more than $15,000 on a median-priced home of $439,450, realtor.com®’s data shows.

Realtor.com Median Listing Price Chart
Source: realtor.com®

3. Greater chance of price cuts

About 5.5% of homes tend to see price reductions during that week, according to realtor.com®’s research. And economists say recent trends suggest even more discounted listings could emerge this fall. (Read more: Listing Price Reduction? How to Navigate It With Buyers, Sellers)

Realtor.com Price Reductions Chart
Source: realtor.com®

4. Less competition

Buyer demand has cooled in 2025 as affordability challenges and elevated mortgage rates weigh on the market. If this October follows typical patterns, however, competition could be about 31% lower than during the peak season, easing pressure on buyers to make rushed offers.

5. A slower pace of sales

Homes are taking longer to sell—another sign buyers have more time to make decisions. The U.S. median time on the market surpassed pre-pandemic norms this summer. In October, homes typically spend about two weeks longer on the market compared with the peak season.

Still, certain homes continue to attract strong attention, with the average listing nationally drawing 2.1 offers in July and 21% of homes still selling for above the asking price, according to the latest REALTOR® Confidence Index.

6. More newly listed homes

Besides higher overall inventory, mid-October also tends to bring a wave of new listings. About 16% more homes typically debut this time of year, giving buyers additional opportunities to find a match.

Timing the Market?

While fall generally brings better deals for buyers, the “best time to buy” ultimately depends on local market dynamics—especially as affordability challenges continue to shape where and how people move.

Timing varies by metro. For example, the realtor.com® analysis found that New York and Philadelphia metros tend to have their “best time to buy” occur in early-to-mid September, ahead of the national “best week.”

Metros in Chicago, Atlanta and Dallas tend to find their sweet spot for home buyers in the Sept. 28-Oct. 4 window, whereas places like Houston, Los Angeles and Washington, D.C., more closely follow national trends of the Oct. 12-18 week.

Other locales like Phoenix, Louisville, Ky., and Charlotte, N.C., often see their prime week being Nov. 2-8, whereas several Florida markets—like Ft. Lauderdale and Tampa—have their most promising buying conditions later in the season, from Nov. 30-Dec. 6. 

Check out the study for insight on your market’s projected “best time to buy” dates.

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 DIRECTIVES | TESTIMONIALS

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 DIRECTIVES | 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 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 August 2025

Hello Caton Team Friends,

The stats are in for August 2025. We are seeing a slight price adjustment in San Mateo County for Single Family Homes but the rest of the Bay is seeing growth. Feels like the Summer Selling Season is starting late but it’s starting.

For my selling clients, lives change everyday and if you need to sell your home – let’s come up with a strategy to get you sold!


For my buyers, some homes are garnering multiple offers, but some are overlooked. With a little legwork, a buyer can truly find some great opportunities when they align with the market.


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 SELL |  GET 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.

The Stats are In… Market Snapshot for July 2025

Hello Caton Team Friends,

The stats are in for July 2025. The last 30 days reflect a softening of the market with values adjusting down. This is part of the normal summer slowdown as folks are off on vacation before summer ends. However, this whole year hits different from the year past. Job changes, market insecurity, and tariffs have many people on the fence about their next move, and who can blame them? However, in my gut, I know this: if you want to live and stay in the Bay Area, the best time to buy is during a weird market. Why, you ask? Well, in our “normal” market, which is characterized by low inventory and high demand, most buyers face multiple offers and often experience huge overbidding. When the market is weird, when other buyers are on the fence, we see opportunity. A home can only be sold once, so when multiple bids are the norm, folks get priced out pretty quickly. This year, not a day goes by that I don’t see a price adjustment down, meaning there is a gap between what sellers want/expect and what buyers can afford. Those interest rates changed things.


Now is a great time to buy – even sell. Not every property has a price adjustment. We sold a 100+ year home this year, over list price with multiple offers.


For my buyers, some homes are garnering multiple offers, but some are overlooked. With a little legwork, a buyer can truly find some great opportunities when they align with the market.


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 SELL |  GET 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.

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 SELL |  GET 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.

How to Help Your Children Buy a Home – Shared Article

Options range from family loans to outright gifts to help your children buy a home.

If you want to help your children buy a home there are a number of ways to go about it, ranging from family loans to outright gifts. Lofty home prices, rising mortgage rates and a tight inventory of homes for sale have shut many young buyers out of the housing market. In 2023, the median age of home buyers was 49, the highest on record, according to a survey from the National Association of Realtors — which means first-time buyers are delaying their purchases. The typical first-time buyer was 35, one year less than last year’s all-time high. 

With that in mind, parents (and grandparents) of would-be home buyers are often interested in helping out. Their options include gifting a down payment, co-signing a mortgage, jointly owning a home, making a loan, and buying a home outright for your children or grandchildren. Each of these avenues of financial support has its own perks and pitfalls. 

First, consider how any assistance could affect family relationships. Your children or their spouses may be anxious or uncomfortable about accepting financial help from parents or in-laws. Siblings feelings matter, too. “If you have multiple children, spend some time upfront to understand how giving or loaning to one child might affect family dynamics,” says Mitchell Kraus, a certified financial planner based in Santa Monica, Calif. “We’ve seen years of resentment coming from a small loan to one family member when it was not available to another.” 

Intra-family loans

One option that could benefit both parties is an intra-family loan. You may be able to offer your child a lower interest rate than a conventional mortgage lender would while still earning a higher interest rate than you could earn from a savings account. For example, if you provide your child with a mortgage at a 4.5% interest rate, you’ll earn almost four percentage points more than the 0.55% average yield for a bank savings account. Your child, meanwhile, will pay significantly less than the national average for a 30-year fixed-rate mortgage. 

An intra-family loan works especially well for well-off individuals who can afford to give their children the money but prefer the financial discipline that comes with a loan, says Tim Burke, chief executive officer of National Family Mortgage, a family lending agency. “For many parents, the motivation to lend money over gifting it is just about personal accountability,” he says. “Parents feel the responsibilities that come with homeownership, and the satisfaction that comes with meeting these responsibilities builds character.”

That was the case for Mary and Terry Shaffer of Pittsburgh, who lent money to both of their children to buy homes in that city. “Our son and our daughter do not like things handed to them, although they deserve to be helped,” says Mary, 68. “They have worked hard, and they both had accumulated savings for their closing costs.”

If parents need assurance that their child can afford the monthly payments, they should ask the child to get preapproved for a conventional mortgage, Burke says. However, that could be difficult for some children, especially if they’re self-employed borrowers. Even if a self-employed individual’s debt-to-income ratio — the amount of debt you owe as a percentage of your monthly income — may support a loan, a single year in which income declines may cause a bank to reject the application. 

If your child can’t get preapproval, it comes down to your judgment. “If you think your family member is not going to repay you, then don’t go through the exercise of setting up a loan that isn’t going to work,” Burke says.

Put the terms of the intra-family loan in writing so they’re clear and it’s an arm’s-length transaction, says Brian Lamborne, senior director of advanced planning at Northwestern Mutual. Putting the terms of the loan in writing can also help you deal with instances in which your children are unable to make payments. For example, you can agree ahead of time that should your child suffer financial hardship, payments will be deferred for a certain period of time — perhaps six months or up to a year — and moved to the end of the loan. 

The loan agreement should contemplate worst-case scenarios as well. For example, you may want to state the conditions under which the parents could foreclose on the property so they can sell it and pay off the loan. 

It’s also important to understand the tax implications for intra-family loans. Borrowers who itemize can only deduct interest on a loan secured by a mortgage if the mortgage has been properly recorded. In order to do that, families need to obtain a deed of trust and file it with the borrower’s local government authority, such as the registrar of deeds or country clerk’s office. A real estate attorney can help you draw up these documents. 

If the loan exceeds $10,000, the IRS requires you to charge an interest rate equal to or above the Applicable Federal Rate (AFR), which the IRS publishes monthly. The interest must be reported as income on your tax return.

If you don’t want to act as the loan servicer, you could use National Family Mortgage to set up, document and service the loan. It will email payment reminders and monthly statements, collect and credit payments, and issue year-end IRS 1098 and 1099-INT tax forms. Cost: a one-time fee of $725 to $2,100, depending on the size of the loan, and optional loan servicing starting at $15 per month.

Making a gift

For some families, the easiest solution is to give children enough money to make a down payment or buy a house outright. Gifting spares families the hassle of a loan and damage to their relationships if a loan can’t be repaid. Mortgage lenders generally allow a relative to supply the entire down payment, but they will require a letter that provides the name of the giver, the amount of the gift and a statement that the giver doesn’t expect to be repaid. 

As is the case with a loan, it’s important to understand the tax implications of this transaction. In 2024, you can give up to $18,000 per person to as many people as you’d like without having to file a gift tax return. Married couples can give up to $36,000 per person. 

Any amount over the annual limit will reduce your exemption from the federal estate and gift tax. This isn’t a problem for most families because the federal estate tax exclusion is $13.61 million for 2024 or $27.22 million for married couples. However, if Congress fails to extend the 2017 Tax Cuts and Jobs Act, the exclusion will drop to about $6 million in 2026. 

In any event, parents or grandparents should only give a gift they can afford without jeopardizing their own financial security. “There are no loans when it comes to your own retirement,” says Jennifer Weber, a CFP in Lake Success, N.Y. “So only help in ways that you can afford now and in the future.” 

Other options: co-signing and co-borrowing 

If your child can’t qualify for a mortgage based on their own income and credit record but can afford monthly payments, co-signing a mortgage is one way to help them buy a home. However, it can be risky. 

A co-signer acts as a guarantor for the primary borrower, promising to assume responsibility for repayment if the primary borrower doesn’t pay as required. The lender will review your sources of income and your credit to ensure your income is high enough and your credit strong enough to qualify for a mortgage. 

If your child falls behind on monthly payments, your own credit could suffer. Plus, co-signing for a mortgage will increase your own debt-to-income ratio which could make it more difficult for you to borrow for your own purposes. Also, some lenders don’t allow co-signers. 

In another arrangement, a co-borrower or joint applicant shares ownership of the loan and assumes responsibility for payments from the start. In general, you and your child combined must put down at least 20%, and your child must cover the first 5% of the down payment from their own funds. Otherwise, the property may qualify as an investment, in which case you’ll be charged a higher interest rate for the loan and be required to have more financial reserves. But If your child fails to pay the mortgage, property taxes or insurance on time, that could ding your credit history or result in a lien against the property. 

I read this article HERE. By Emma Patch

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 DIRECTIVES | TESTIMONIALS

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 DIRECTIVES | 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.

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.

How to Navigate the Homebuying Process with Confidence – Shared Article

Buying a home is one of the biggest financial decisions you’ll ever make. It’s exciting, but it can also feel overwhelming if you don’t have the right guidance. The key to navigating the homebuying process with confidence is understanding the steps involved and working with the right professionals. Here’s how you can make your journey smoother and more successful.

1. Get Pre-Approved for a Mortgage

One of the first steps to take when buying a home is getting pre-approved for a mortgage. This gives you a clear understanding of your budget and strengthens your position when making an offer. Lenders will review your credit, income, and financial history to determine how much you qualify for. Having a pre-approval letter in hand signals to sellers that you are a serious buyer.

2. Work with a Knowledgeable Real Estate Agent (like The Caton Team)

A real estate agent can be your best ally in the homebuying process. They have access to market insights, negotiation expertise, and a deep understanding of the home search and purchase process. Choose an agent with experience in your preferred area who can help you find the right home and guide you through each step of the transaction.

3. Understand the Market and Set Realistic Expectations

Before you start house hunting, take the time to research the local real estate market. Look at property prices, neighborhood trends, and inventory levels. This helps you set realistic expectations about what you can afford and what’s available within your budget. Your real estate agent can provide valuable insights to help you make informed decisions.

4. Make a Competitive Offer

Once you find the right home, it’s time to make an offer. Your agent will help you determine a fair price based on comparable properties and market conditions. In competitive markets, you may need to act quickly and include strong terms, such as a larger earnest money deposit or a flexible closing timeline, to make your offer stand out.

5. Conduct a Thorough Home Inspection

A home inspection is a crucial step that helps uncover potential issues with the property. Hiring a professional inspector ensures you know about any hidden problems before closing. If significant issues arise, you may have the option to negotiate repairs or reconsider your purchase.

6. Secure Financing and Prepare for Closing

Once your offer is accepted, work closely with your lender to finalize your mortgage. This involves submitting required documents, locking in your interest rate, and reviewing loan terms. Additionally, you’ll need to secure homeowners insurance and complete any final paperwork. Your real estate agent and lender will guide you through this process to ensure a smooth closing.

7. Close the Deal and Move In

The final step is closing day, where you’ll sign the necessary documents, make your down payment, and receive the keys to your new home. Before moving in, do a final walkthrough to confirm the property is in the agreed-upon condition. Then, celebrate—you’re officially a homeowner!

Final Thoughts

Buying a home doesn’t have to be stressful. With the right preparation, professional guidance, and a clear understanding of the process, you can confidently navigate your homebuying journey. If you’re looking for expert assistance, reach out to experienced mortgage professionals who can help you every step of the way.

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 DIRECTIVES | TESTIMONIALS

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 DIRECTIVES | 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.

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.

Overcoming Challenges: How to Turn Homeownership Into Your Greatest Achievement – Shared Article

Buying a home is a major milestone, but it also comes with challenges. Whether you’re navigating financial hurdles, competitive markets, or unexpected repairs, overcoming these obstacles can make homeownership even more rewarding. Here’s how you can turn challenges into triumphs.

1. Financial Preparation

Budgeting for homeownership goes beyond the down payment. Plan for closing costs, maintenance expenses, and emergency repairs to avoid financial stress down the road.

2. Competing in a Competitive Market

In hot markets, multiple buyers may be vying for the same property. Strengthen your position by getting pre-approved, making a strong offer, and working with a skilled real estate agent.

3. Managing Home Maintenance

Owning a home means taking care of ongoing maintenance. Set aside funds for routine upkeep and unexpected repairs to keep your property in top shape.

4. Long-Term Value

Think beyond the purchase—homeownership is a long-term investment. Keep up with property improvements, understand market trends, and consider refinancing opportunities to maximize your home’s value over time.

5. Embracing the Homeownership Mindset

Homeownership is not just about buying a property—it’s about creating stability, building wealth, and making memories. Approach challenges with a proactive mindset and embrace the journey to turn your home into a valuable and fulfilling asset.

By preparing for these challenges and staying proactive, you can turn homeownership into one of your greatest financial and personal achievements.

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 DIRECTIVES | TESTIMONIALS

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 DIRECTIVES | 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.

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.