Articles to Share – Page 2 – The Real Estate Beat

Mortgage rate averages break monthlong streak of weekly declines after Fed meeting stokes uncertainty – Shared Article

By Moira Ritter| I read this article HERE.

The 30-year, fixed-rate loan averaged 6.22%, according to Freddie Mac.

Homes in University Heights, Ohio. (Edward Debono/CoStar)

The monthlong mortgage rate downturn has come to an end.

As of Thursday, the 30-year, fixed-rate mortgage averaged 6.22%, according to mortgage giant Freddie Mac. It’s the first weekly increase in the measure since the first week of October. Even so, this week’s average is still lower than the same time a year ago, when the 30-year mortgage averaged 6.79%.

The 15-year, fixed-rate mortgage followed suit, rising to an average of 5.5% in the week ended Thursday. That’s higher than last week, but lower than a year ago, when it was 6%.

It was a similar story with daily mortgage rates, which typically show greater fluctuations than weekly averages.

As of Thursday, the 30-year, fixed-rate mortgage had fallen to 6.29%. It’s an example of just how volatile the measure is: On Wednesday, daily mortgage rates were near a two-month high. The 15-year, fixed-rate mortgage had also decreased compared to the previous day. It was at 5.82% as of Thursday.

The mortgage market is starting to show cracks

The last week has been a volatile one for the mortgage market.

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It started after the Oct. 29 Federal Reserve meeting, when the bank’s chairman, Jerome Powell, cast doubt on the chances that the Fed would cut the key interest rate again in December. While the Fed doesn’t set mortgage rates, its decisions and prognostications influence investor decisions that send ripple effects through the broader market.

So, when Powell said something that didn’t match up with market expectations last week, it sent investors scrambling, ultimately pushing mortgage rates higher.

What started as slight upward pressure on daily measures of mortgage rates has turned into a weeklong trend, though, and it’s been made worse by recent data about the economy.

Remember: The mortgage market is heavily affected by economic data. With the federal government still shut down, there’s been a lack of official data from government agencies. That said, other sources have taken on an outsized importance.

On Wednesday, ADP released data about the private-sector job market. That report revealed that private employers added 42,000 jobs in October. The 42,000 figure isn’t so important to mortgages — what is key is that the markets didn’t expect there to be that many job additions. Wednesday also brought data about the strength of the services sector. That report, too, was stronger than expected.

While that’s generally a good thing for the economy at large, it’s not so good for mortgage rates, explained Matthew Graham, chief operating officer of Mortgage News Daily.

“Rates tend to benefit from economic weakness,” he wrote in a Wednesday blog post. “As such, when reports are stronger than expected, it pushes rates higher, all else equal.”

Even with the recent shakeup, it’s important to consider the bigger picture: Mortgage rates are still lower than they were earlier this year and at this time last year.

That said, homeowner demand for refinances has more than doubled since last year, according to data from the Mortgage Bankers Association. Purchase applications, too, are up from a year ago.

Writer Moira Ritter

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NAR Members Sound the Alarm on the Effects of the Government Shutdown – Shared Article

I read this article HERE.

Responses from more than 600 real estate professionals describe the negative effects of closing crucial housing, loan and insurance programs offered through FHA, HUD, VA and NFIP.

On Oct. 22, a few weeks into the federal government shutdown, the National Association of REALTORS® issued a Call For Information to its full membership to take the pulse on the ramifications for real estate professionals and their clients.

Unlike a traditional Call For Action (CFA), which prompts members to simply click and send a message to their members of Congress, this request invited NAR members to share their own stories about how the government shutdown was impacting their clients, businesses and communities.

“What’s at stake for housing and homeownership nationwide is important for Americans to thrive and step into their dreams,” wrote one member. “Our government must reopen for the people.”

The response rate was remarkable: 641 members from all 50 states, Washington, D.C., and Puerto Rico submitted firsthand accounts, representing 386 local associations—about 35% of all associations nationwide. While engagement metrics differ from a one-click CFA, the volume and depth of these NAR member responses underscored the power of REALTORS® as trusted messengers on the front lines of the housing market.

The Call For Information shows:

35.6% of stories mention one of more federal housing programs, like the Federal Housing Administration (FHA), U.S. Department of Housing & Urban Development (HUD), Internal Revenue Service (IRS), National Flood Insurance Program (NFIP), U.S. Department of Agriculture (USDA), and U.S. Department of Veterans Affairs (VA).
The most frequently cited impacts were USDA, VA, NFIP/Flood Insurance and FHA.
There were over 60 stories highlighting hardship, family strain, or the domino effects of delayed transactions.
259 unique associations were represented in responses (approximately 24% of local boards)

Collapsing Deals, Low Morale

Perhaps unsurprisingly, most responses were from high-population states including Florida, Texas and California.

One North Carolina agent, who is a REALTOR®, explained that home sales are being delayed due to holdups in NFIP flood insurance renewals and USDA loan approvals, two essential programs for the state’s coastal and rural areas. In some North Carolina communities, almost every financed home purchase relies on one or both of these federal services. As a result, deals are collapsing, and families are losing the homes they’ve worked tirelessly to obtain.

The effects extend well beyond the housing market: Many North Carolinians, including military families and federal employees, are struggling to afford basic necessities, while local small businesses that depend on their spending are seeing steep drops in revenue. “The financial strain is real, the morale is low, and the longer this continues, the harder recovery will be for working families and small businesses alike,” the member reported.

Many other members reported similar experiences, with clients often feeling uncertain about the real estate market and experiencing a lack of consumer confidence. This uncertainty frequently led to stalled transactions, disrupting multiple deals, and affecting buyers, sellers, agents, lenders and contractors alike.

‘A Train Wreck’ for Escrows, Military Families and Local Businesses

“As a REALTOR®, I am seeing firsthand how the federal government shutdown is disrupting the housing market,” one member in California said. “As a NAR member, I want to help illustrate the real impacts the shutdown has had on my business, clients and community—such as delayed FHA, VA or conventional loans, especially without access to government flood insurance. Military families are being stifled by this shutdown, with delayed loans and added strain to their finances. This is a deterrent for our military service members who give their lives willingly to serve this country. Sellers are unsure about proceeding due to market volatility and concerns about affordability. So many buyers are being impacted as the buyer pool has diminished.”

The member continued: “Additionally, in California, obtaining flood insurance has become a major problem, so having sources available from the government has allowed us to close our escrows. However, without these options, due to the shutdown, it’s a train wreck for our escrows leaving us with delays and obstacles to struggle to get our escrows closed.”

Chipping Away at the Foundation

The shutdown may be centered in Washington, but its costs are being paid in every community across America.

“The National Association of REALTORS® urges Congress to come together and pass a clean, bipartisan continuing resolution or a long-term funding package to restore stability to the housing market and the broader economy. Every day that passes without action chips away at the foundation of the American Dream,” says Shannon McGahn, NAR executive vice president and chief advocacy officer.

Michael Rauber

Michael Rauber is manager of advocacy communications at the National Association of REALTORS®.

Content by Michael Rauber

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10 Hottest Home Design Trends to Watch for 2025 – Did the Take Off? – Shared Article

Find out what styles are taking shape in home interiors and exteriors for the year ahead. With the year slowly coming in an end – did these trends take off?

Many different styles are influencing today’s home trends, from rounded walls and furnishings to traditional styles mixed in with bolder textures and colors. The home remodeling site Houzz recently released its 2025 home design predictions. Here’s what made their list as the top trends to watch for next year:

1. English-style kitchens

These cozy kitchens feature cabinets in rich woods as well as historical paint colors, such as moody blues and deep greens. “You’ll also find natural countertop materials, like soapstone and butcher’s block, as well as large range alcoves, wood ceiling beams and collected looks that appear pieced together over time,” the Houzz report notes.

Photo credit: John Keeble / Getty Images

2. Rounded furnishings

Gentle curves and rounded edges continue to be grounded in the popularity of organic modern styles. Expect to see more circular coffee and dining tables, finished off with cylindrical legs. Also, Houzz designers predict bulbous sofas and accent chairs and oblong mirrors.

Photo credit: Melissa Tracey

3. Arches

Fitting right in with the curvier home trend are arched walls and home accessories. Arches, in particular, are adding “a touch of playfulness and [helping to] soften harsh angles to generate a welcoming, cozy feel,” the Houzz report notes. Arches can be added to home doorways, windows, niches, cabinets and millwork details. Also, arched accessories, like arched mirrors, headboards and chairs, are bringing in scalloped silhouettes that hug spaces.

Photo credit: Melissa Tracey

4. Shower rooms

Showers have been featuring frameless glass enclosures, but homeowners looking for greater privacy are embracing a “shower room.” “This style of shower has a glass door leading into a fully enclosed space that creates an intimate, spa-like look and feel,” the Houzz report notes. “A shower room allows features that require a more sealed-in design, such as steam and sauna functions and aromatherapy and chromotherapy.”

5. Kitchen range alcoves

These range alcoves include a recessed or niche area—sometimes arched—and are often flanked by countertops and side walls. “This feature adds a substantial architectural element to a kitchen, creating a focal point and allowing for a natural stopping point for, and containment of, a striking backsplash design,” the Houzz report notes.

Photo credit: Erik Snyder / Getty Images

6. Woven and mesh cabinet fronts

“Woven and mesh details add texture and visual interest,” Houzz notes. “We’re seeing it frequently used to help break up expanses of cabinets, especially in kitchens.” It’s also being used in bathroom vanities, furniture and even window treatments. Designers say that natural woven materials can soften hard edges and provide a warm counterpoint to cold surfaces, creating more cozy and welcoming spaces.

Photo credit: Suchada Tansirimas / Getty Images

7. Narrow wet rooms

Wetroom bathrooms—typically a shower and tub in a spacious shower area—have grown in popularity in recent years. But wet rooms are now being added in smaller, narrower spaces, too. “Placing a tub at the back of a long room, with a separate shower in front, gives homeowners with tight spaces a wet room arrangement that looks and feels more luxurious than the standard shower-tub combo,” the report notes.

Photo credit: Ibrahim Akcengiz / Getty Images

8. Wood-infused architectural warmth

Adding “warmth” into an interior has become a popular buzzword in home design, marking a shift away from cool whites and grays. Color trends are moving more into off-whites, creams, beiges, tans and browns. “Paired with warm neutral palettes, earthy tones and organic colors, we’re seeing wood elements used as ceiling beams, trim, millwork, wall paneling, posts and cabinetry to add architectural warmth to spaces throughout the home,” according to Houzz’s report.

Photo credit: Melissa Tracey / 2024 New American Home

9. Layers of color, pattern and texture

Maximalist styles are layering in bold color, patterns and textures. The “design approach celebrates abundance and allows homeowners to furnish their homes with pieces that reflect their personalities,” Houzz notes. For example, grooved wall and ceiling paneling are being done in bold colors, and more patterns are entering everything from drapery and rugs to furniture and pillows.

Photo credit: Melissa Tracey

10. Multiple outdoor cooking options

Homeowners want more than just a grill for backyard dining. They’re increasingly using other outdoor cooking methods, such as pizza ovens, smokers, ceramic kamado-style barbecues and Argentinian-style gaucho grills that use wood or charcoal.

Photo credit: Melissa Tracey

I read this article HERE. By: Melissa Dittmann Tracey

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Planning for Long-Term Care Expenses – Shared Article

Long-term care (LTC) is a reality many people face as they age, yet few adequately prepare for its financial implications. While it isn’t always a pleasant situation to think about and can bring up a lot of emotions. Planning for LTC expenses is crucial to making sure you or your loved ones receive the necessary care without depleting assets.

Keep reading, and we will share the costs, funding options, and strategic steps to prepare for long-term care and make an informed decision for you and your family.

Why Planning for Long-Term Care is Essential

The average annual cost of a private room in a nursing home exceeded $100,000 in 2023, while assisted living facilities averaged $60,000. Home care services can also exceed $25 per hour. These are not small numbers and need to be planned for. Here are a few things to consider:

Longevity: As life expectancy increases, more individuals require extended periods of care.
Financial Risk: Long-term care expenses can drain retirement savings without a plan, leaving families financially vulnerable.
Peace of Mind: Early planning reduces stress and ensures access to preferred care options.

Understanding Long-Term Care Services

LTC includes a variety of services designed to help individuals with standard daily living activities, like bathing, dressing, and meal preparation. These services are generalized categorized as:

Home Care: Assistance provided in the individual’s home, ranging from part-time help to 24/7 care.
Assisted Living: Residential facilities offering everything from housing, meals, and assistance with daily activities.
Nursing Homes: Facilities providing round-the-clock medical care and assistance.
Memory Care: Specialized services for individuals with dementia or Alzheimer’s disease.

Each option comes with different price ranges and cost structures, making it important to evaluate which suits your needs and budget.

Factors Influencing Long-Term Care Costs

As mentioned above, the pricing structure will vary depending on the facility and care needed, here are a few factors that can influence the overall cost:

Location: Urban areas and high-cost states typically have higher care costs.
Type of Service: Skilled nursing facilities cost significantly more than basic home care.
Duration of Care: The average length of LTC for individuals is about three years, though it varies widely based on health conditions.
Inflation: Health care costs often rise faster than general inflation, impacting future care expenses.

Funding Options for Long-Term Care

Understanding how to fund long-term care is central to effective planning. Here are common options:

Personal Savings and Assets

Many individuals rely on personal savings, investments, and home equity.

Drawbacks: Rapid depletion of assets and potential inability to cover extended care.

Long-Term Care Insurance

Long term care insurance offers coverage for LTC expenses, including home care, assisted living, and select nursing facilities.

Benefits:
- Protects savings and assets.
- Offers flexibility in care options.
Considerations:
- Premiums can be costly and may increase with age.
- Policies often require medical underwriting, limiting access for those with pre-existing conditions.

Medicaid

Medic aid was a state and federally funded program for low-income individuals. It covers nursing home care and some home-based services.

Limitations:
- Requires spending down assets to qualify.
- It may limit access to certain facilities and services.

Medicare

This option covers limited LTC services, such as short-term skilled nursing care after hospitalization.

Not a comprehensive solution for long-term care needs.

Health Savings Accounts (HSAs)

Tax-advantaged accounts, such as HSA’s, can be used for qualified medical expenses, including some LTC costs. They are best suited for individuals who start contributing early as it follows you whenever you leave a job.

Hybrid Insurance Policies

Combine life insurance or annuities with long-term care benefits. Hybrid insurance policies offer payouts for long-term care or a death benefit if care isn’t needed.

Pros:
- Flexible use of funds.
- No “useless” premiums if care isn’t required.

Strategies to Plan for Long-Term Care Costs

Lanning for long term care requires some strategy and planning, but it is doable and should not be too stressful. Here are a few strategies to follow to make your long term care costs manageable and not have anything hit you or your family by surprise.

Start Early
- The earlier you plan, the more options you have.
- Younger individuals can secure long-term care insurance at lower premiums.
Evaluate Needs and Risks
- Assess family medical history and personal health to estimate potential care needs.
- Consider whether staying at home or moving to a facility aligns with your preferences.
Create a Budget
- Estimate future costs based on current care expenses and inflation.
- Include long-term care as a line item in your retirement budget.
Involve Family Members
- Discuss care preferences with family members to set expectations and align on potential caregiving roles.
- Clarify financial contributions from family, if applicable.
Explore Legal Protections
- Work with an estate planner to establish legal protections, such as trusts, to shield assets while qualifying for Medicaid.
- Consider appointing a financial power of attorney to manage assets if incapacitated.
Leverage Professional Advice
- Financial planners specializing in elder care can provide tailored solutions.
- Insurance brokers can help identify suitable LTC insurance policies.

Plan for Care

Planning for long-term care expenses requires foresight, financial discipline, and informed decision-making. By understanding all of the costs, exploring funding options, and adopting proactive strategies, you can secure quality care while protecting your financial future. Start planning today to ensure you’re prepared for the future.

I read this article HERE.

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The Psychological Effects of Debt and How to Cope – Shared Article

So, you’ve found yourself in debt—and enough debt that you’re constantly worrying about it. Know that you’re not alone. As of the end of 2024, the average American household held an all-time high debt amount of $104,215. When everyone around you is in debt, it can become easy to normalize it. But debt can harm more than just your wallet; it can negatively impact your mental health as well.

Why Do People Get Into Debt?

People can get into debt for many reasons, good and bad. Some of the most common reasons are:

Keeping Up With the Joneses: With the rise of social media, now more than ever, comparing your life to those around you is inevitable. And when everyone seems to be going on vacations every few months, driving luxury cars, and always wearing the latest fashion trends, it’s easy to get swept up in spending just for appearances.
Debt to Advance Yourself: Not all debt is bad. Generally speaking, mortgages and student loans can be seen as “good debt” because they’re used to advance your life.
Necessary Resources: Sometimes, you must go into debt to acquire something you need for daily living or working, such as a car or a laptop.
Business Ventures: People who want to launch a business often have to get a loan to get it started.
Job Loss: Unexpected job loss can result in someone using credit or loans to pay their bills while they search for their next position.
Divorce: Divorce is expensive because of legal bills and the splitting of assets. This sudden change in finances can lead a person into debt as they adjust to their new normal.
Poor Financial Management: Not understanding the basics of finances, such as living within your means, can result in debt.
Easy Access to Credit: Having easy access to credit, especially at a young age when you may not understand interest, can lead to overspending.
Emergency Expenses: Without an emergency fund, an emergency expense can force you into debt.

The Role of Mental Health

And you can’t talk about debt without mentioning mental health. Your mental stability can greatly impact your ability to make responsible decisions. Some examples of mental health impacting your finances are:

Someone who is depressed might stop paying their bills on time, causing interest to accrue.
Shopping addiction is a real mental health condition that often causes the person to spend beyond their means.
Someone with bipolar disorder might max out all their credit cards when going through a manic episode.
An individual who suffers from substance abuse addiction might go into debt as they feed their cravings.
Individuals with dementia often forget to manage their bills, causing accounts to be sent to collections for repayment.

The Psychological Effects of Debt

Money can’t buy happiness, but not having enough money can surely bring on a host of mental health problems. It can feel all-encompassing when you have overwhelming debt and can’t see a way out. Some of the mental health effects of being in debt are:

Increased Stress: Worrying about your finances constantly is stressful. Prolonged stress can lead to many physical and psychological health problems.
Relationship Problems: One study found that 54% of people believe that a partner with debt is a valid reason for divorce. Financial stressors can lead to the breakdown of relationships with partners, friends, and family for various reasons.
Depression: Studies have shown there’s a direct correlation between financial stress and depression. Worst of all, it can feel like a never-ending cycle because some people cope with their depression by spending more.
Sleep Issues: You may struggle to fall asleep or sleep too much because you’re so worried about your finances.
Anxiety and Self-Esteem Issues: Those with debt can feel increased anxiety as well as decreased self-esteem. Both of these issues can lead to daily unhappiness.

How to Cope Mentally With Debt

Debt happens. Remember that your self-worth isn’t tied to your bank account. Still, staying in debt isn’t a solution either. As outlined above, even if your mental health isn’t suffering yet, there’s a good chance that psychological issues will arise the longer you maintain debt.

If you’re in debt, here are steps you can take to protect your mental health:

1. Make a Plan

Your debt will always feel overwhelming as long as it looms over you with no end in sight. You need to make a plan immediately on how you’ll become debt-free. There are lots of free resources available online that can help you walk through your options. (Tip: research the avalanche and debt snowball methods.)

No matter how long or slow the journey is, you can feel a huge sense of comfort knowing that you’re making progress. You’ll feel in control of your life again and empowered that you have what it takes to improve your financial situation.

2. Talk to Others

One of the biggest impacts debt can have on you is within your relationships. Maybe your partner doesn’t understand why you don’t talk as much to them about your feelings. Or, your family is upset with you for not coming on the next family trip. Or, friends don’t understand why you’re so depressed all the time. Your struggles with your debt can impact how you feel and interact with those closest to you. And if they don’t know what you’re going through, it can cause tension and even break ups.

Be open with those in your life. Tell them about your debt and your plans to pay it off. You’ll feel a huge sense of relief getting the secret off your chest. And your loved ones will be able to support you better as you make changes.

3. Seek Support

Being in debt can bring on many feelings of shame. You might be embarrassed that you got to this point and that you now have to make cutbacks. Even after opening up about your debt with loved ones, you might still feel all alone in this struggle.

Consider finding online support in debt repayment communities and forums. You’ll receive a lot of comfort in realizing just how common getting into debt really is. You’ll find solidarity in reading about other people’s stories. And, hearing how others got out of debt can be a great source of inspiration for you.

Your Financially Stable Future Awaits

You don’t have to live in debt forever. Getting out of debt can improve your life in so many ways. Not only will your debt-related mental health issues disappear, but you’ll have security and comfort knowing that you can afford to pay your bills. The hard work is worth it, so start making a change today.

I read this article HERE.

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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.

Top 25 Smart Home Innovations – Shared Article

As these technologies hit the market, they promise to transform homes into smarter, more sustainable spaces.

Here’s a curated list of the most exciting smart home solutions unveiled this year.

1. Airthings Renew

The Airthings Renew is an advanced air quality monitor that detects pollutants, temperature and humidity in real-time. Designed to integrate seamlessly with HVAC systems, it provides actionable recommendations for maintaining a healthy indoor environment. Its intuitive mobile app means users can monitor air quality from anywhere.

2. Anker EverFrost 2 Electric Cooler

Anker’s EverFrost 2 is a portable electric cooler designed for extended use without ice. Its high-capacity battery provides long-lasting refrigeration, making it a good choice for outdoor adventures and emergency situations. It’s energy efficient and compact in design, suitable for a variety of home sizes and types.

3. Eufy 3-in-1 E20 Vacuum

Eufy’s 3-in-1 E20 is a multi-functional home cleaning solution that combines vacuuming, mopping,and air purification. It offers powerful suction and intelligent navigation for efficient cleaning. The air purifier adds an extra layer of utility and ensures cleaner air in your living space.

4. Govee Table Lamp 2 Pro x JBL

Govee’s collaboration with JBL brings consumers the Table Lamp 2 Pro, a fusion of audio and lighting technology. The lamp features RGBIC lighting—a type of LED lighting that allows for multiple effects—synched with high-quality sound for immersive experience.

5. Reolink Duo 3 WiFi Camera

The Reolink Duo 3 WiFi Camera features a dual-lens system that provides a 180° panoramic view in 16MP resolution. Dual-band Wi-Fi 6 allows for smooth streaming and faster connections. The camera also includes motion detection and smart alerts to enhance home security by keeping homeowners informed in real time.

6. Lockly Vision Prestige

Lockly’s Vision Prestige smart lock integrates 3D facial recognition, a 2K video camera and Apple Home Key compatibility. Its dual-camera setup seamlessly monitors visitors and packages. Biometric and multi-access control options make it a secure and versatile solution for smart homes.

7. Aqara Panel Hub S1 Plus

Aqara’s Panel Hub S1 Plus acts as a central smart home command center with Matter and Zigbee compatibility. Its intuitive touchscreen interface simplifies managing multiple devices and routines. The hub integrates with various ecosystems, making it a flexible addition to any setup.

8. Flic Duo Smart Button

The Flic Duo Smart Button introduces intuitive control with customizable gestures and presses for over 30 commands. Compact and easy to use, this singular device lets users manage a range of smart home devices, from lighting to music.

9. Roborock Saros Series

The Roborock Saros Series combines advanced vacuuming and mopping features with AI-powered navigation. The OmniGrip robotic arm can remove obstacles, while VibraRise 4.0 technology goes to work on a deep cleaning. These intelligent robots redefine efficiency in home cleaning.

10. GE Lighting Reveal Bulbs

GE’s enhanced Reveal LED bulbs deliver vibrant, balanced lighting with improved energy efficiency. Their advanced phosphor blend highlights colors and textures in every room. Available in various shapes and sizes, these bulbs are set to hit the market later this year.

11. LIFX Luna

LIFX Luna is a lamp that offers dynamic color options and customizable lighting effects for tailored ambiance. It integrates with popular smart home platforms, allowing users to create personalized scenes. Its energy-efficient design ensures minimal environmental impact.

12. Ecobee Smart Thermostat Essential

Ecobee’s Smart Thermostat Essential combines affordability with smart climate control features. Integrated with voice assistants, the thermostat allows users to adjust temperatures remotely. Its energy-saving technology makes it a practical choice for cost-conscious homeowners.

13. Swann Doorbell Camera

Swann’s Doorbell Camera enhances home security with HD video and two-way audio. Its motion detection system alerts homeowners to visitors or potential intrusions. Easy installation and compatibility with existing security systems make it an accessible addition for many smart homeowners. The doorbell camera uses AI-driven SwannShield voice assistant technology, which adapts to your preferences, handles visitors and delivers personalized responses.

14. EcoFlow DELTA Pro 3

The DELTA Pro 3 portable power station has an output of 4,000W and an expandable storage capacity up to 48kWh. Features include quiet operation, fast charging and easy integration making it a viable choice for whole-home energy resilience. It’s a versatile solution for emergencies and daily use.

15. Kidde x Ring Smart Smoke Alarms

The collaboration between Kidde and Ring brings advanced smoke and CO detection to the smart home space. Real-time alerts through the Ring app and professional monitoring provided by Kidde enhance a home’s safety. The smoke alarms also promise faster and more precise detection, reducing false alerts while providing reliable protection.

16. ULTRALOQ Bolt Mission

The ULTRALOQ Bolt Mission smart lock uses ultra-wideband technology for precise, hands-free unlocking. Its Matter compatibility, NFC integration and voice control bring the future to consumers, today. Weather resistance and robust construction ensure durability and reliability.

17. Savant Proseo Shades

Savant’s Proseo Shades combine elegant design with advanced smart home integration. These window shades can be controlled via the Savant app or voice assistants. They add a touch of luxury while improving energy efficiency and privacy.

18. Ulticam IQ Floodlight Camera

Ulticam IQ combines edge AI technology with 2K video and dual floodlights for robust outdoor security. Its weatherproof design ensures durability in all kinds of climates, while customizable detection zones minimize false alerts. The camera also includes subscription-free, built-in storage for added convenience.

19. Honeywell Home X2S Thermostat

Honeywell Home’s X2S Smart Thermostat use-driven adjustments based on user behavior to enhance climate control. Its sleek interface and advanced sensors optimize energy use, and it is compatible with major voice assistants.

20. Mammotion Luba 2 AWD Robotic Mower

The Mammotion Luba 2 AWD offers homeowners hands-free lawn care with precise, boundary-free navigation. The mower’s four-wheel drive tackles slopes and uneven terrain, while app integration allows for operation from a smart device. Solar-powered charging enhances its eco-friendly design.

21. ThirdReality Keyboard with Matter Buttons

The ThirdReality Keyboard comes with programmable Matter-compatible buttons, ideal for property management. The system allows for simple, centralized control of lighting, security and HVAC systems. Its compact design and ease of use make it a hit for multifamily units.

22. SwitchBot Air Purifier and K20+ Modular System

SwitchBot’s air purifier offers filtration that captures 99.97% of airborne particles. It also integrates with the future-ready K20+ modular system, which allows users to add functions like humidification and scent diffusion, making it highly versatile. The purifier’s smart integration enables monitoring and control via an app for complete indoor air management.

23. Yarbo Modular Snow and Lawn Attachments

Yarbo introduced a modular robotic system with attachments for snow clearing, lawn mowing and leaf blowing. These battery-powered units adapt to seasonal needs, for an all-in-one solution for outdoor maintenance. With app control and GPS-based navigation, Yarbo simplifies yard care.

24. Lutron Caseta Smart Shades

Lutron’s Caseta Smart Shades provide luxury and functionality at an affordable starting price. These shades integrate with major smart home platforms and offer app or voice control for seamless operation. Their energy-efficient design enhances privacy while reducing energy costs.

25. reMarkable Paper Pro

The reMarkable Paper Pro bridges the gap between traditional note-taking and digital innovation. The paper-like display and advanced stylus technology is a good choice for managing schedules, jotting down ideas or even signing contracts. The lightweight, distraction-free design makes it a valuable tool for modern homeowners and professionals alike. The new pro version features millions of color ink particles, creating better saturation and depth.

CES 2025 emphasized the growing impact of smart home technology on modern living. From advanced energy management to innovative cleaning solutions, these products promise to offer significant improvements in convenience, efficiency and security.

I read this article HERE. By: Brandon Doyle

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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.

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.

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

🍂Fall Home Maintenance Checklist:🍂 – Shared Article

Happy Fall!!!! Now is a good time to prepare your home for the upcoming winter. Take a moment to walk your property, shore up any issues with windows, insulation and weather stripping. Enjoy these tips and let me know if I can add any…

Service Fireplace and Chimney: Have them cleaned and inspected before the first fire of the season.

Service Your Heating System: Schedule a professional tune-up so your furnace or heater is ready for cooler weather.

Swap Out Air Filters: Replace or clean filters to keep your HVAC system running efficiently and maintain good air quality.

Check Your Thermostat: Make sure it’s working properly and update settings for fall and winter.

Seal Windows and Doors: Apply weatherstripping or caulk to prevent drafts and reduce energy costs.

Winterize Outdoor Plumbing: Shut off outdoor water lines, drain hoses, store them indoors, and cover faucets to prevent freezing.

Inspect Your Roof: Look for damaged or missing shingles and make repairs before heavy rain or snow.

Clean Gutters and Downspouts: Clear out leaves and debris to avoid clogs and water damage.

Check Attic Insulation: Ensure you have proper insulation and ventilation to keep heat in and cold air out.

Flush Your Water Heater: Drain sediment buildup for better efficiency and set the temperature to 120°F.

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

Managing Loan Repayment: 8 Strategies To Keep You on Track – Shared Article

Taking out a loan is a reality for most people at some point in their adult life. Loans can be used for various reasons, such as buying a home, funding education, or starting a business.

However, managing the loan repayment terms is crucial to maintaining financial health and avoiding the pitfalls of debt. Keep reading as we offer in-depth strategies for staying on top of your loan payments, ensuring you can meet your obligations while minimizing stress and financial strain.

1. Understand Loan Terms

Before you can effectively manage any loan, you need to understand the terms of said loan fully. Key elements include:

Interest Rate: The percentage of your loan amount that will be charged as interest over the life of the loan. Variable rates can change over time, while fixed rates remain the same for the duration of the loan.
Loan Term: The length of time you have to repay the loan, often expressed in months or years.
Repayment Schedule: The frequency of payments (monthly, bi-weekly, etc.) and the amount due.
Fees and Penalties: Any additional costs for late payments, early repayment, or loan servicing.

Why Understanding Terms Matters

Knowing your loan terms helps you plan your budget and anticipate your financial obligations and ensures you’re aware of any penalties or fees that could increase your repayment amount. Understanding all of these details upfront allows you to avoid costly mistakes or detrimental issues down the line.

2. Build a Repayment Plan

The first step in managing any loan repayment is to create a realistic and attainable budget and timeline. Make sure to calculate your income, expenses, and existing debt obligations (credit card, student loans, etc.) accurately.

Begin by listing all sources of income, then outline your fixed and variable expenses. To ensure they are prioritized, include your loan payments as a non-negotiable part of your budget.

Prioritizing Debts

If you have multiple loans or debts, it’s important to prioritize them. The best way to prioritize any existing debt is to think about current interest rates and loan terms to decide which debts should be paid off first. Generally, high-interest debts like credit cards should be prioritized, followed by lower-interest loans like mortgages or student loans. High-interest loans with shorter loan terms should be tackled as quickly as possible.

Establishing an Emergency Fund

An emergency fund is necessary to manage unexpected expenses without falling behind on loan payments. Experts advise having at least three to six months’ worth of living expenses. This safety net can help you stay on top of your loan payments even if your financial situation changes unexpectedly.

3. Automate Payments

Setting up automatic payments is so convenient these days and one of the easiest and most effective ways to make sure you never miss a loan payment. Automatic payments can help you:

Avoid Late Fees: Payments are made on time, reducing potential late fees or penalties.
Stay Organized: Automating payments simplifies your financial management by reducing the number of bills you need to remember each month.
Potential Interest Rate Discounts: Some lenders offer reductions in interest rates for borrowers who enroll in automatic payments.

How to Set Up Automatic Payments

Just like setting up automatic credit card payments, the majority of lenders let you set up automatic payments through their online portal. After a few verification steps, you can link your bank account and select the withdrawal date that aligns best with your cash flow.

It is important to pick a date on which you know there will be enough money in your account to cover the payment so you don’t incur insufficient fund fees or other penalties.

4. Make Extra Payments

Making any additional payments on your loan can significantly reduce the total interest paid over the loan’s lifespan and help you pay off the debt faster. Even the most minor amounts can make a huge difference in reducing your loan balance.

Strategies for Extra Payments

Round-Up Payments: You can round your monthly payment up to the nearest hundred or add a fixed amount (like $50) to your regular payment.
Use Windfalls: Apply bonuses, tax refunds, side hustles or other unexpected income directly to your loan balance.
Bi-Weekly Payments: Instead of making one lump sum payment, consider splitting up your payment in half and pay every two weeks. This helps pay off the debt faster and reduces the interest costs.

Confirm How Payments Are Applied

When making extra payments, double-check that they are being applied to the principal rather than future payments. This will reduce the amount of interest you pay and help you pay off the loan sooner.

5. Consider Refinancing

Refinancing a loan is when you take your existing loan term and replace it with a new one, typically at a lower interest rate or with different terms. Consider refinancing if:

Interest Rates Have Dropped: Securing a lower interest rate reduces your monthly payment and total interest paid.
Your Credit Has Improved: An increased credit score could help secure more favorable loan terms.
You Need to Adjust Your Loan Term: Based on your current financial situation, you want to extend or shorten your repayment period.

6. Open Lender Communication

If you have a life-changing event that might make it challenging to make your loan payments on time, it’s important to communicate with your lender as soon as possible. Many lenders offer hardship programs or will actively work with you to adjust payments temporarily as long as you have open communication and can come to an agreement.

Options for Temporary Relief

Forbearance: Temporarily reduce or suspend your payments, though interest may continue to accrue.
Loan Modification: Adjust the existing loan terms (ex., extending the repayment period or reducing the interest rate).
Deferment: Postpone payments without accruing interest, typically for loans like student loans.

How to Approach Your Lender

When contacting your lender, be honest about your financial situation and proactive in seeking a solution. Provide any requested documentation and be prepared to discuss how long you expect to need assistance. Many lenders are willing to work with borrowers to find a mutually beneficial arrangement.

7. Monitor Your Progress

It’s important to track your loan balance and payment history actively. If you have a spreadsheet you use with total payments, enter each payment to easily identify the remaining balance and match it with the lender’s loan amounts.

This will help you stay informed about your progress and confirm that your payments are correctly applied.

Adjust Your Budget as Needed

Life circumstances change, and your budget should adapt. For example, consider allocating more funds to your loan payments to pay off the debt faster. Conversely, if your income decreases, you may need to adjust your budget to maintain timely payments.

8. Consider Professional Help

Managing loan repayments can often become overwhelming. If you’re struggling to make payments or have any questions about the terminology, timelines, rates, etc., consider seeking help from a financial counselor. A certified financial counselor can help you create a budget, negotiate with lenders, and develop a debt repayment plan tailored to your situation.

Choosing a Reputable Counselor

Look for a nonprofit organization or a certified financial planner (CFP) who is accredited by a recognized financial planning body. Ensure that the counselor has experience with loan repayment strategies and can offer unbiased advice.

Benefits of Financial Counseling

Personalized Advice: A financial counselor can provide tailored advice based on your financial situation.
Debt Management Plans: If you’re managing multiple debts, a counselor might help you develop a debt management plan that consolidates payments and may reduce interest rates.
Long-Term Financial Planning: A financial counselor can assist with bigger financial goals, such as saving for retirement or building an emergency fund.

Conclusion

Managing your loan repayment requires thoughtful planning, discipline, and proactive strategies. By understanding your loan terms, creating a realistic budget, automating payments, and exploring options like refinancing or loan consolidation, you can successfully manage your debt and protect your financial health now and in the future. Building the foundation now and setting yourself up with a well-crafted plan and routine can help with your financial stability for years to come.

I read this article HERE.

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

9 Interior Paint Colors Buyers Hate—and What to Use Instead – Shared Article

Picking colors is one of my favorite parts of helping my selling clients prepare for sale. I enjoyed this article by Quincy Bulin.

Getting ready to sell your home? Don’t put it on the market before checking these interior paint colors buyers hate.

Price and stock could change after publish date, and we may make money off these affiliate links. Learn more.

Photo: Laurey Glenn

Interior Paint Colors Buyers Hate

There’s a lot that can turn someone off while house hunting—damage, clutter and curb appeal, to name a few. One of the easiest and most high-impact changes to make is repainting your walls. But what colors do buyers dislike? We’ve pulled together the top 9 paint colors that buyers hate and what you should use instead.

See Dated Features Homebuyers Always Notice

Bright Bedroom Features a Patterned Accent Walls and a Gray Ceiling

Photo: Ryan Garvin. From: Erica Bryen Design.

Don’t: Bright White

It makes sense that sellers often opt for bright-white paint when trying to refresh their home, but according to Colette Archambault, co-founder of Hunter Hill Interiors, its stark, sterile appearance is better suited for a hospital. “Bright white can also create harsh contrasts and show imperfections more easily,” she adds.

Check Out Our White Paint Guide

Photo: Photo by Tamara Flanagan Photography, design by Hunter Hill Interiors

Do: Simply White by Benjamin Moore

Archambault prefers a white paint with warmth to it, one of her favorites being Benjamin Moore’s Simply White. “It has a softness that makes a space feel welcome and refined,” the designer explains. You still get the crisp, modern look—just without the harshness.

See HGTV Stars’ Favorite White Paints

Bedroom Features Neutral Accents and Modern Fixtures

Photo: Constance Mariena. From: Kerra Michele Huerta.

Don’t: Cool Gray

Not all grays are created equal. In fact, Kathryn Linea Rund, Strategic Design and Development Advisor at HouseCashin, says that “grays with blue or purple undertones feel cold and unwelcoming.” Even when paired with warm furniture and finishes, it still feels corporate and stiff.

From: Marianne Brown

Do: Mindful Gray by Sherwin-Williams

The beauty of a greige like Sherwin-Williams Mindful Gray is that it balances warm and cool tones. According to Rund, this is what makes it so versatile and “perfect for open-concept layouts and home staging.”

Photo: Janet Mesic Mackie. From: Mark Lavender.

Out: Bright Red

Psychology tells us that red is a powerful color—especially vivid shades. “Often perceived as intense and overwhelming, red can make a space feel smaller and may evoke strong emotional responses,” explains Andrea Viscuso, licensed real estate agent at Compass.

Dining Table Vignette, Wicker Vase with Florals, Art, Bold Wall Color

Photo: Arnelle Lozada. From: HGTV Handmade.

Do: Cavern Clay by Sherwin-Williams

Though not actually red, this warm terracotta color—Cavern Clay by Sherwin-Williams—has red tones that make it a worthy substitute. Rund says it “brings an earthy elegance without overpowering a room,” though she does recommend it for accent walls and smaller spaces.

See Warm Paint Shades from HGTV Magazine

Contemporary Game Room With Black Walls and Ping Pong Table

Photo: Amy Bartlam. From: Jenn Feldman Designs .

Don’t: Black

Though moody hues aren’t necessarily bad to buyers, black is a different story. “Even though it’s daring, painting a whole room black absorbs light and depth, resulting in a flat and lifeless appearance,” Barbara E. Tanaka, Strategic Home Design and Organizing Advisor at Real Estate Bees, says of the color. (Plus, imagine how many coats of primer the new homeowner would need to paint over it!)

From: Landing Design

Do: Hale Navy by Benjamin Moore

A classic navy, however, is different. One of her favorites, Tanaka recommends Hale Navy by Benjamin Moore or a similarly deep hue with a little bit of sheen “for a refined appearance that adds dimension and a hint of luxury without overpowering the room.”

See Jewel-Toned Kitchen Design Ideas

Photo: Eric Perry

Don’t: Olive Green

Nature-inspired greens are always going to be timeless—because what would be more timeless than the great outdoors? That said, olive green can too easily read as muddy, which Rund declares is “drab, especially in small spaces” and “often associated with older, out-of-date design trends.”

Photo: Valeria Jacobs

Do: Evergreen Fog by Sherwin-Williams

On the other hand, sage is right on trend. Rund describes Evergreen Fog by Sherwin-Williams as “a soft and sophisticated green with gray undertones that feels calming, clean, and modern.” It has the ability to ground any space while still adding color.

See Green Paint Colors Our Editors Love

Photo: Lauren Rubinstein. From: Kandrac & Kole Interior Designs, Inc..

Don’t: Builder Beige

Considered a default color you can find in a lot of new builds, painting a nondescript beige on the wall is supposed to be versatile and classic. Rund argues, however, that it “feels bland and dated” and “lacks warmth and personality.”

Photo: SARAH NATSUMI MOORE

Do: Pale Oak by Benjamin Moore

Considered a go-to by many designers, Viscuso says Benjamin Moore’s Pale Oak “is a subtle color with a tiny touch of greige-slash-tan that looks great in any space.” Whereas “builder beige” looks heavy on the wall, Pale Oak has an irresistible airiness to it that makes your home feel lighter and brighter.

See Neutral Paint Shades from HGTV Magazine

From: Brian Patrick Flynn

Don’t: Light Blue

Though pretty, Krasovec insists that light blue can feel “too bright and childlike” in a home. It’s also more difficult to build a color palette with and limiting when it comes to style and patterns.

Photo: Robert Peterson, Rustic White

Do: Stardew by Sherwin-Williams

The soft, Sherwin-Williams Stardew blue walls in the living room help unify this space with the adjacent kitchen and keep things feeling open and spacious. A large coquina fireplace brings a historic element found throughout St. Augustine design into the living area and connects this space with the area’s history.

Brown Office With Chandelier and Navy Tufted Chair With Fringe

Photo: preston lee. From: Preston Lee.

Don’t: Dark Brown

Browns like chocolate and espresso are dated shades, not to mention especially heavy for a room to carry. “It can make spaces feel smaller and weighted, as it brings a traditional, masculine, and even oppressive feel,” says Rund.

Photo: Laurey Glenn

Do: Nutshell by Sherwin-Williams

Though just as deep and rich as a darker brown, Rund recommends this earthy brown, Nutshell by Sherwin-Williams, as it’s “softened by mauve and taupe undertones, leaving a room feeling curated, rather than cavernous.” You get all the sophistication without the visual weight.

See Pantone’s 2025 Color of the Year

The guest bedroom is a study in blue and white. “This blue bedroom is a fresh take on monochromatic,” says Kalyn. “The blue is soothing, yet vibrant enough to be interesting.” Crisp white furnishings were brought in as a contrast to the Tiffany Blue shade. “I fell in love with the vintage Hollywood Regency headboard, and it became the inspiration for the design. The feel leans toward glam, but still manages to fit into this cottage home.”

Photo: Raquel Langworthy

Don’t: Turquoise

Originally taking inspiration from the ocean, the bright and bold hue is now seen as juvenile and outdated. “It’s become the cliche color of coastal-themed bathrooms and mermaid-decorated children’s rooms, limiting a buyer’s potential,” Rund describes.

Photo: Laurey Glenn

Do: Quietude by Sherwin-Williams

An option that still has coastal roots, Quietude by Sherwin-Williams is light, breezy, and reminiscent of sea glass. According to Rund, you get the same spirit without overwhelming a space.

I read this article HERE.

Got Questions? The Caton Team is here to help.

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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 mortgage market is starting to show cracks

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Collapsing Deals, Low Morale

‘A Train Wreck’ for Escrows, Military Families and Local Businesses

Chipping Away at the Foundation

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1. English-style kitchens

2. Rounded furnishings

3. Arches

4. Shower rooms

5. Kitchen range alcoves

6. Woven and mesh cabinet fronts

7. Narrow wet rooms

8. Wood-infused architectural warmth

9. Layers of color, pattern and texture

10. Multiple outdoor cooking options

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Why Planning for Long-Term Care is Essential

Understanding Long-Term Care Services

Factors Influencing Long-Term Care Costs

Funding Options for Long-Term Care

Strategies to Plan for Long-Term Care Costs

Plan for Care

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Why Do People Get Into Debt?

The Role of Mental Health

The Psychological Effects of Debt

How to Cope Mentally With Debt

1. Make a Plan

2. Talk to Others

3. Seek Support

Your Financially Stable Future Awaits

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1. Airthings Renew

2. Anker EverFrost 2 Electric Cooler

3. Eufy 3-in-1 E20 Vacuum

4. Govee Table Lamp 2 Pro x JBL

5. Reolink Duo 3 WiFi Camera

6. Lockly Vision Prestige

7. Aqara Panel Hub S1 Plus

8. Flic Duo Smart Button

9. Roborock Saros Series

10. GE Lighting Reveal Bulbs

11. LIFX Luna

12. Ecobee Smart Thermostat Essential

13. Swann Doorbell Camera

14. EcoFlow DELTA Pro 3

15. Kidde x Ring Smart Smoke Alarms

16. ULTRALOQ Bolt Mission

17. Savant Proseo Shades

18. Ulticam IQ Floodlight Camera

19. Honeywell Home X2S Thermostat

20. Mammotion Luba 2 AWD Robotic Mower

21. ThirdReality Keyboard with Matter Buttons

22. SwitchBot Air Purifier and K20+ Modular System

23. Yarbo Modular Snow and Lawn Attachments

24. Lutron Caseta Smart Shades

25. reMarkable Paper Pro

Got Questions? The Caton Team is here to help.

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6 Reasons to Buy This Fall

1. More listings

2. Lower prices

3. Greater chance of price cuts

4. Less competition

5. A slower pace of sales

6. More newly listed homes

Timing the Market?

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