A Real Estate Professional Helps You Separate Fact from Fiction – Shared Article

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If you’re following the news, chances are you’ve seen or heard some headlines about the housing market that don’t give the full picture. The real estate market is shifting, and when that happens, it can be hard to separate fact from fiction. That’s where a trusted real estate professional comes in. They can help debunk the headlines so you can really understand today’s market and what it means for you.

Here are three common housing market myths you might be hearing, along with the expert analysis that provides better context.

Myth 1: Home Prices Are Going To Fall

One piece of fiction many buyers may have seen or heard is that home prices are going to crash. That’s because headlines often use similar, but different, terms to describe what’s happening with prices. A few you might be seeing right now include:

  • Appreciation, or an increase in home prices.
  • Depreciation, or a decrease in home prices.
  • And deceleration, which is an increase in home prices, but at a slower pace.

The fact is, experts aren’t calling for a decrease in prices. Instead, they forecast appreciation will continue, just at a decelerated pace. That means home prices will continue rising and won’t fall. Selma Hepp, Deputy Chief Economist at CoreLogic, explains:

“. . . higher mortgage rates coupled with more inventory will lead to slower home price growth but unlikely declines in home prices.”

Myth 2: The Housing Market Is in a Correction

Another common myth is that the housing market is in a correction. Again, that’s not the case. Here’s why. According to Forbes:

“A correction is a sustained decline in the value of a market index or the price of an individual asset. A correction is generally agreed to be a 10% to 20% drop in value from a recent peak.

As mentioned above, home prices are still appreciating, and experts project that will continue, just at a slower pace. That means the housing market isn’t in a correction because prices aren’t falling. It’s just moderating compared to the last two years, which were record-breaking in nearly every way.

Myth 3: The Housing Market Is Going To Crash

Some headlines are generating worry that the housing market is a bubble ready to burst. But experts say today is nothing like 2008. One of the reasons why is because lending standards are very different today. Logan Mohtashami, Lead Analyst for HousingWire, explains:

“As recession talk becomes more prevalent, some people are concerned that mortgage credit lending will get much tighter. This typically happens in a recession, however, the notion that credit lending in America will collapse as it did from 2005 to 2008 couldn’t be more incorrect, as we haven’t had a credit boom in the period between 2008-2022.”

During the last housing bubble, it was much easier to get a mortgage than it is today. Since then, lending standards have tightened significantly, and purchasers who acquired a mortgage over the last decade are much more qualified than they were in the years leading up to the crash.

Bottom Line

No matter what you’re hearing about the housing market, let’s connect. That way, you’ll have a knowledgeable authority on your side that knows the ins and outs of the market, including current trends, historical context, and so much more.

Got Questions? The Caton Team is here to help.

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

| HOW TO SELLGET READY CAPITAL – Loans to Prep for Sale | VIRTUAL STAGING | A GUIDE TO BUYING | BUYING INFO |  MOVING | TESTIMONIALS

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| HOW TO SELLGET READY CAPITAL – Loans to Prep for Sale | VIRTUAL STAGING | A GUIDE TO BUYING | BUYING INFO |  MOVING | TESTIMONIALS

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

We strive to be more than just Realtors – we are also your home resource. If you have any real estate questions, concerns, need a referral, or 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 Create a Home Maintenance Log

With a homeowner’s maintenance log you can keep track of maintenance and repair details about your home as well as improvements, updates, and upgrades you make over the years. You can store appliance and system manuals and instructions, warranties, and other resources, like where to shut off utilities.

To create your own home maintenance log, first collect and organize important materials in a binder or expandable folder. Add pockets or sleeves to organize receipts, manuals, floorplans, warranties, and so on. If you prefer a paperless version, you’ll need to take time to scan all these documents. Microsoft Excel has a great Home Maintenance Schedule template that is easy to customize and update.

What to include:

  1. Manuals and warranties – File home system and appliance instructions, maintenance records, and home warranty information. If you have a home warranty, keep a copy of the contract in the binder.
  2. Maintenance receipts and contact information
    • Keep receipts and contact information from service providers such as: carpet cleaners, HVAC, garage door opener repair, chimney sweep, gutter repair, roof inspection/repair, solar panel cleaning, and more.
    • If you have a home warranty plan for your systems and appliances, include service call information, repairs, and all contact information.
    • List previously used service providers that you would recommend, such as painters, yard service, and pest control.

Homeowner maintenance records – It can be easy to lose track of when you last performed maintenance so be sure to keep records of gutter cleaning/repair, painting, repairing decks and walkways, HVAC filter replacements, sprinkler systems, and window cleaning, including slides and screens.

Home improvements

  • Keep track of interior improvements including overhead lighting, fans, smart thermostats, storage systems, and dimmer switches, as well as low flow toilets and showerheads. Be sure to include information about refinishing/replacing of floors or cabinets.
  • Record exterior improvements such as landscaping and sprinkler systems, exterior lighting, solar panels, window upgrades, pool resurfacing, fencing, decks, tree removal, and so on.
  • Include specifics – When you paint, record the brand and color formula in your maintenance log. If your replace the roof, keep track of the type of material, color, manufacturer, and warranty info.
  1. Maps and resources – Record the location of shutoffs for the main water, gas, and electrical, as well as the electrical panel. If your home is on a well and/or septic system, map the well, septic tanks, and leach field/lines. Include location of solar panel control/displays and sprinkler junction box.
  2. Neighborhood information – Include information on HOA guidelines and fees and how to contact your Homeowners’ Association, if applicable.

A Great Selling Tool

When it comes time to sell your home, your home maintenance log is also a valuable reference that demonstrates how well you’ve cared for your home. Providing this kind of comprehensive record can really inspire confidence for the buyer who wants to purchase your home.

I read this article HERE

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 from our TESTIMONIALS.

| HOW TO SELLGET READY CAPITAL – Loans to Prep for Sale | VIRTUAL STAGING | A GUIDE TO BUYING | BUYING INFO |  MOVING | TESTIMONIALS

Effective. Efficient. Responsive. The Caton Team 🏡  How can The Caton Team help You?

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| HOW TO SELLGET READY CAPITAL – Loans to Prep for Sale | VIRTUAL STAGING | A GUIDE TO BUYING | BUYING INFO |  MOVING | TESTIMONIALS

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

We strive to be more than just Realtors – we are also your home resource. If you have any real estate questions, concerns, need a referral, or 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.

Why You Should Consider Condos as Part of Your Home Search – Shared Article

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The historically low inventory over the past few years led to challenges for many buyers trying to find a home that met their needs and their budget. If you’re in the same boat, you should know the recent shift in the housing market may have opened up doors for you to restart your search.

The inventory of homes for sale has increased this year, and that’s giving buyers much needed options. As Danielle Hale, Chief Economist at realtor.comsays:

“. . . today’s shoppers have more than 5 homes to consider for every 4 they had at this time a year ago.”

But perspective is important. Overall, housing supply is still low. If you need even more choices, expanding your search by adding additional housing types, like condominiums, could help.

Exploring Condos Could Add Options That Fit Your Budget

One thing to consider is condos generally differ from single-family homes in average space and floorplans. But that size difference is one reason why condos can be a more affordable option. According to a recent report from realtor.com, condo buyers paid roughly 7% less for their home than buyers of other housing types last year. With rising mortgage rates and home prices, the relative affordability of a condo could be worth considering.

Remember, your first home doesn’t have to be your forever home. The important thing is to get your foot in the door as a homeowner. Buying a condo now can springboard you into a bigger home later on. An article from the Urban Institute explains:

Because condos and co-ops are generally more affordable, they tend to help first-time homebuyers step onto the first rung of the homeownership ladder. These buyers often use the equity on their condo to then purchase a larger single-family home.

In other words, owning a condo will help you start building wealth in the form of home equity. In time, the equity you build can fuel a future purchase should you decide you want to buy a home with more space or different amenities.

Condo Living Provides Several Great Perks

Boosting the number of options in your budget during your home search is just one reason to consider condos, but there are several other benefits to condo living.

First, they tend to require minimal upkeep and lower maintenance – and that can give you more time to spend doing the things you enjoy. A recent article from Bankrate highlights this, saying:

Condos can be a good option for anyone who wants to keep home maintenance to a minimum . . . if the roof is leaking or the carpet in the lobby needs to be replaced, that’s not your responsibility — the condo association handles those duties.”

Plus, since many condos are located in or near city centers, they offer the added benefit of being in close proximity to work and leisure. Again, realtor.com explains:

“Buying a condo, which is generally less expensive than a single-family home, enables a household to afford to own in the middle of it all, and often means a newer-built home with less maintenance responsibility.”

Ultimately, owning and living in a condo can be a lifestyle choice. And if that appeals to you, they could give you the added options you need to buy your first home.

Bottom Line

Adding condominiums to your housing search could be a great move. If you’re ready to search condos in your area, connect with a local real estate professional today.

Each client is unique – please reach out for a personal consultation or read our blog HERE

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 from our TESTIMONIALS.

| HOW TO SELLGET READY CAPITAL – Loans to Prep for Sale | VIRTUAL STAGING | A GUIDE TO BUYING | BUYING INFO |  MOVING | TESTIMONIALS

Effective. Efficient. Responsive. The Caton Team 🏡  How can The Caton Team help You?

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

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

| HOW TO SELLGET READY CAPITAL – Loans to Prep for Sale | VIRTUAL STAGING | A GUIDE TO BUYING | BUYING INFO |  MOVING | TESTIMONIALS

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

We strive to be more than just Realtors – we are also your home resource. If you have any real estate questions, concerns, need a referral, or 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.

11 MUST-DO MONTHLY MAINTENANCE TASKS

The smart way to maintain a home in tip-top shape is with a monthly check-up: a brief list of simple tasks you can deal with in less than an hour. By doing this regularly, you’ll catch problems at their earliest stages before they can become expensive emergencies. Keeping the mechanics of your home in good working order also extends their lives, giving you the benefit of additional years of service before you need to make repairs or replacements. 

Check the furnace filter. The filter is a vital component of furnaces and heat pumps. The only heating systems without filters are those with boilers, which use water to heat the home. Pull out the filter and clear any dust or other debris clogging the screen, or replace it if necessary. You’ll enjoy better air quality and lower energy costs. 

Check range hood filter. The exhaust vent in your range hood has a filter to catch grease. To keep it working properly, clean it regularly. Remove it and scrub in the sink with hot water and grease-cutting dishwashing liquid. Let it dry and put it back in place. 

Clear drains. Check that water is draining freely in all sink, shower, and tub drains. If it backs up, unclog it with boiling water, or baking soda and vinegar, or a drain snake. Be sure not to mix drain cleaner and home remedies, as some chemicals may have adverse reactions. 

Clean garbage disposal. To prevent odors and other problems, pour a half cup of baking soda into the disposal, then slowly add a half cup of vinegar. Or drop in ice cubes, grind them, and follow with a half cup of baking soda and boiling water. 

Check for leaks around sinks and toilets. Look further into any sign of water, even a few drops. A leak only gets worse over time, so the sooner you catch it, the smaller the plumbing bill will be. 

Test smoke and carbon monoxide (CO) detectors. Smoke alarms and CO detectors should have a test button. If you don’t see one, check online with the manufacturer to learn how to test your detector. You may even be able to test smart detectors from your phone. 

Check fire extinguishers. Make sure they’re easily accessible and aren’t damaged. If they’re old, dented, or show low pressure, it’s time to replace them. 

Examine all electrical cords. Check for damage to the wire’s insulation, especially near the plug, a common area for wear. Repair any problem areas with electrical tape and make a plan to replace the cord as soon as possible. 

Check the house exterior. Walk around your home, checking the roof, siding, windows, doors, and foundation for any damage. Take note of any standing water close by, as that can be an indication of leaks or other problems. 

Check your air conditioner. Look for leaks around the copper lines that connect to the indoor evaporator coil. If you find any, it’s time to call an HVAC professional. 

Clear the outdoor dryer vent. Make sure the opening is free of lint and debris build-up.  In addition to these monthly checks, it’s worth it to keep up with seasonal and annual maintenance tasks. Click here for a list. 

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 from our TESTIMONIALS.

| HOW TO SELLGET READY CAPITAL – Loans to Prep for Sale | VIRTUAL STAGING | A GUIDE TO BUYING | BUYING INFO |  MOVING | TESTIMONIALS

Effective. Efficient. Responsive. The Caton Team 🏡  How can The Caton Team help You?

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

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

| HOW TO SELLGET READY CAPITAL – Loans to Prep for Sale | VIRTUAL STAGING | A GUIDE TO BUYING | BUYING INFO |  MOVING | TESTIMONIALS

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

We strive to be more than just Realtors – we are also your home resource. If you have any real estate questions, concerns, need a referral, or 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.

Home Repair No-Nos: Repair Tips for Every Homeowner

Are you a first-time homeowner? Have you purchased a new-to-you home? Either way, you have a lot to do. When you’re starting out as a new homeowner, it can be hard to know the right things to do and NOT to do when it comes to home maintenance, cleaning, and general upkeep. Here is some guidance to help you know what not to do.

New Homeowner No-Nos – Inside

Sealants

Needlessly applying sealant to surfaces can permanently discolor stone, concrete, and glass, to name a few. Never use sealant on natural materials like quartz, plastic materials like laminates, or commercial acrylic products such as Formica and Corian. Generally, most materials will not need reapplication of sealants very often. Instead, test surfaces using water to check if it’s time to reseal. For example, if water on a kitchen countertop no longer beads, it may be time to reapply.

Drain Cleaners

Chemical drain cleaners contain active ingredients that can damage plumbing. Drain cleaners may seem like easy, short-term fixes for clogs, but they can lead to long-term, costly problems. And the chemicals in drain cleaners are just plain bad for the earth. Instead, invest your money in a good plunger, a drain snake for tougher clogs, and if those plumbing tools don’t work, call a plumber.

Glass Cleaners

Here’s a little-known consequence to spraying commercial glass cleaner on mirrors:  The liquid can seep into the backing on many types of mirrors, leading to discoloring around the edges of the mirror over time and irreparably damaging the backing. Instead, simply dampen a microfiber cloth with warm water and immediately apply a dry cloth to remove excess water.

Bleach

Bleach is actually damaging to most elements and materials found in use in homes. Do not use bleach to clean sealants on granite and other stone surfaces, vinyl, linoleum, and laminate materials, colored grout, enamel, or acrylic surfaces in a bathtub. Never mix bleach with cleaners that contain ammonia! Doing so produces highly dangerous and toxic vapors. Instead, use a vinegar solution. Nothing is better or healthier for cleaning most surfaces in your home.

New Homeowner No-Nos – In and Out

Caulk

Using the wrong caulk can be damaging. That’s because there is a right caulk for the kitchen, bath, gutters, brick or concrete, mortar, and so on. The wrong caulk won’t adhere, or will breakdown, allowing moisture to seep in, or compromise the surface you’re caulking. Instead, ask your local hardware specialist for advice on buying the right caulk for your project.

Tools

Invest in well-made tools for your new home – a hammer, screwdriver set, ladder, and maybe a mower. Avoid buying inexpensive, knock-off brands even if you’re on a budget – they are not made to last. Instead, for budget-conscious homeowners, visit yard sales and look for used tools from quality brands, or start slow with a basic toolbox and build up your set over time.

New Homeowner No-Nos – Outside

Mulch

For your first landscaping project, do not over-mulch. Too much mulch can suffocate plants and prevent water from reaching roots. Instead, add mulch to no deeper than three inches.

Ivy

It may look charming, but ivy will keep growing. Eventually ivy will spread under a home’s siding or shingles, damage their integrity, and ultimately cost you, either in replacing siding, providing entry points for invading pests, or both! Instead, research how and where to thoughtfully plant ivy. A quick web search can also provide better alternatives for plants to safely grow along the base of your home. Note: Plants need to be placed two feet minimum away from the foundation.

Trees

Planting trees close to a home may look nice when the trees are young, but they grow, too! You need to consider the room that baby tree will need at maturity. Trees planted without thought to full height can grow roots that push up through your driveway, sidewalk, and foundation. Instead, plant each tree according to its height and root spread at full maturity. The Arbor Day Foundation has a handy tree spacing guide to help you ensure adequate clearance from your home, fencing, and so on.

Firewood

Do not store firewood right outside your home against exterior walls, otherwise you will invite termites and other pests into your home. Instead, keep firewood at least twenty feet from your home, or further if your property provides room to do so. Better to take a small hike out to the wood pile than let pests make an easy hike into your new home.

I read this article HERE

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 from our TESTIMONIALS.

| HOW TO SELLGET READY CAPITAL – Loans to Prep for Sale | VIRTUAL STAGING | A GUIDE TO BUYING | BUYING INFO |  MOVING | TESTIMONIALS

Effective. Efficient. Responsive. The Caton Team 🏡  

How can The Caton Team help You?

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

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

| HOW TO SELLGET READY CAPITAL – Loans to Prep for Sale | VIRTUAL STAGING | A GUIDE TO BUYING | BUYING INFO |  MOVING | TESTIMONIALS

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

We strive to be more than just Realtors – we are also your home resource. If you have any real estate questions, concerns, need a referral, or 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.

GET READY CAPITAL. No Interest – No Fee – Loans with Berkshire Hathaway / Welcome Home Funding to Prepare Your Home For Sale – Ask The Caton Team How!

The Caton Team is proud to announce, that Berkshire Hathaway HomeServices with Welcome Home Funding can loan a sellers up to $30,000 or 20% of their home’s equity – towards preparing a home for sale. With NO Interest & NO Fees!

Fund are available after a 48 hour approval process, flexible to select any vendor a seller wants, flexible on what a seller spends their funds on, no vendor platform markups, no lien on the property, no fees or interest paid by the seller and so much more.  We’d love to sit down with you and discuss how Get Ready Capital can help you sell your home! CONTACT THE CATON TEAM FOR FURTHER DETAILS | Call | Text  650.799.4333 | Email | Info@TheCatonTeam.com

Got Questions? The Caton Team is here to help.

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

HOW TO SELL | HOW TO BUY

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

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

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

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

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April Market Update

Here are the stats for San Mateo and Santa Clara Counties for April 2023

Whether selling a home or buying one, each client is unique and each market and price point differ. Let us customize a Real Estate strategy for you and let The Caton Team guide you to your goals. 🗝️ It’s what we do.

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

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| HOW TO SELLGET READY CAPITAL – Loans to Prep for Sale | VIRTUAL STAGING | A GUIDE TO BUYING | BUYING INFO |  MOVING | TESTIMONIALS

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

We strive to be more than just Realtors – we are also your home resource. If you have any real estate questions, concerns, need a referral, or 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
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The Caton Team Testimonials | Blog – The Real Estate Beat | TheCatonTeam.com | Facebook | Instagram | HomeSnap | Pinterest | LinkedIn Sabrina

Berkshire Hathaway HomeServices – Drysdale Properties

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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.

If You’re Thinking of Selling Your House This Fall, Hire a Pro – Shared Article

Today’s market is at a turning point, making it more essential than ever to work with a real estate professional. Not only will a trusted real estate advisor keep you updated and help you make the best decisions based on current market trends, but they’re also experts in managing the many aspects of selling your house.

Here are five key reasons why working with a real estate professional makes sense today.

1. A Professional Follows the Latest Market Trends

With higher mortgage rates and moderating buyer demand, conditions are changing and staying on top of the latest market information is crucial when you sell.

Working with an expert real estate advisor helps ensure you can stay updated on what’s happening. They know your local area and follow national trends too. More importantly, they’ll know what this data means for you, and as the market shifts, they’ll be able to help you navigate it and make your best decision.

2. A Professional Helps Maximize Your Pool of Buyers

Your agent’s role in bringing in buyers is important. Real estate professionals have a large variety of tools at their disposal, such as social media followers, agency resources, and the Multiple Listing Service (MLS) to ensure your house is viewed by the most buyers. Investopedia explains why it’s risky to sell on your own without the network an agent provides:

“You don’t have relationships with clients, other agents, or a real estate agency to bring the largest pool of potential buyers to your home. A smaller pool of potential buyers means less demand for your property, which can translate into waiting longer to sell your home and possibly not getting as much money as your house is worth.”

3. A Professional Understands the Fine Print

Today, more disclosures and regulations are mandatory when selling a house. That means the number of legal documents you’ll need to juggle is growing. The National Association of Realtors (NAR) explains it best, saying:

“Selling a home typically requires a variety of forms, reports, disclosures, and other legal and financial documents. . . . Also, there’s a lot of jargon involved in a real estate transaction; you want to work with a professional who can speak the language.”

A real estate professional knows exactly what needs to happen, what all the fine print means, and how to work through it efficiently. They’ll help you review the documents and avoid any costly missteps that could occur if you try to handle them on your own.

4. A Professional Is a Trained Negotiator

If you sell without a professional, you’ll also be solely responsible for all the negotiations. That means you’ll have to coordinate with:

The buyer, who wants the best deal possibleThe buyer’s agent, who will use their expertise to advocate for the buyerThe inspection company, which works for the buyer and will almost always find concerns with the houseThe appraiser, who assesses the property’s value to protect the lender

In today’s changing market, buyers are regaining some negotiation power as bidding wars ease. Instead of going toe-to-toe with all the above parties alone, lean on an expert. They’ll know what levers to pull, how to address everyone’s concerns, and when you may want to get a second opinion.

5. A Professional Knows How To Set the Right Price for Your House

If you sell your house on your own, you may be more likely to overshoot your asking price. That could mean your house will sit on the market because you priced it too high for where the market is now. Today, pricing a house requires even more expertise to ensure you get it right. NAR explains it like this:

“A great real estate agent will look at your home with an unbiased eye, providing you with the information you need to enhance marketability and maximize price.”

Real estate professionals know the ins and outs of how to price your house accurately and competitively. To do so, they compare your house to recently sold homes in your area and factor in the current condition of your home. These steps are key to making sure it’s set to move quickly while still getting you the highest possible final sale price.

Bottom Line

Whether it’s following local and national trends and guiding you through a shifting market or pricing your house right, a real estate agent has essential insights you’ll want to rely on throughout the transaction. Don’t go at it alone.  If you plan to sell your house, let’s connect.

SOURCE

Each client and home is unique – please contact us for a personal consultation or read our blog HERE.

TESTIMONIALS

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 from our TESTIMONIALS.

| HOW TO SELLGET READY CAPITAL – Loans to Prep for Sale | VIRTUAL STAGING | A GUIDE TO BUYING | BUYING INFO |  MOVING | TESTIMONIALS

Effective. Efficient. Responsive. The Caton Team 🏡  How can The Caton Team help You?

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| HOW TO SELLGET READY CAPITAL – Loans to Prep for Sale | VIRTUAL STAGING | A GUIDE TO BUYING | BUYING INFO |  MOVING | TESTIMONIALS

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

We strive to be more than just Realtors – we are also your home resource. If you have any real estate questions, concerns, need a referral, or 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.

SOLD: By The Caton Team

SOLD by The Caton Team! We are so grateful to earn our client’s trust.
The journey our clients takes is unique to them. With over forty years of combined Real Estate experience, The Caton Team can help our clients in any market area. With data, know-how, experience, solid ethics, and business practices – we set our clients apart and help them achieve their Real Estate goals.

We love helping our clients achieve their Real Estate goals – how can The Caton Team help you? Let us know @ info@TheCatonTeam.com | 650.799.4333

How can The Caton Team help You?

We truly enjoy helping our clients sell their home. The Caton Team loves what we do and would love to help you – please enjoy our resources below. Get to know us at through our clients words.

| HOW TO SELLGET READY CAPITAL – Loans to Prep for Sale | VIRTUAL STAGING | A GUIDE TO BUYING | BUYING INFO |  MOVING | TESTIMONIALS

Follow The Caton Team Blog – The Real Estate Beat, and visit our Website – The Caton Team to start your own home search.  

Read our Testimonials to get to know us or simply reach out – Call | Text Sabrina 650.799.4333 | Email  Info@TheCatonTeam.com.

The Caton Team does not receive any compensation for our Real Eats posts, we use YELP for ease of use.  All restaurant reviews are unsolicited and unpaid. Photos of dishes and edits are my own. Information deemed reliable but not guaranteed. Third-party information not verified.

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

| HOW TO SELLGET READY CAPITAL – Loans to Prep for Sale | VIRTUAL STAGING | A GUIDE TO BUYING | BUYING INFO |  MOVING | TESTIMONIALS

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

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

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

A mother and daughter-in-law team with over 35 years of combined, local Real Estate experience and knowledge – 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 | The Caton Team 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

Mortgage Borrowers Beware: Separating Fact from Fiction on the New Credit Score Tax – Shared from Chris Carr

Several of you have reached out to Chris regarding the main stream media’s pick up of the story I covered back in January.

Shared From SOURCE

Mortgage Borrowers Beware: Separating Fact from Fiction on the New Credit Score Tax

Shared From YOURLENDERCHRIS APRIL 24, 2023

Chris Carr NMLS# 1466899 | Cell ‭(650) 207-4364‬

Here is an excerpt from the excellent website, Mortgage New Daily:

Before you stop paying your bills in the hope of cashing in, let’s separate fact from fiction.  First and most importantly, you will absolutely NOT get a better deal on a mortgage rate if your credit score is lower, even if your nephew just texted you a screenshot of a news headline saying “620 FICO SCORE GETS A 1.75% FEE DISCOUNT” and “740 FICO SCORE PAYS 1% FEE.”  MATTHEW GRAHAM – MORTGAGE NEWS DAILY

I strongly encourage you to read the rest of his article here: https://www.mortgagenewsdaily.com/markets/mortgage-rates-04212023 It is well-written and informative and takes the political bias and opinion out of the explanation. Just the facts. And yes, it has gotten more expensive to get a home loan–for everyone.

But to really understand what’s changed, you need to first understand that mortgage rates have a price. In other words, each rate on a rate sheet is associated with a price or fee and that price/fee goes up and and down with the rate you choose, based on how much money you want to borrower, what your credit score is and how much down payment you’re bringing to the purchase. There are a few other factors that determine rate and that is why it is so difficult to answer your question: “What are rates like today?”

With that out of the way, sometimes an interest rate comes at cost to you (that’s what we all know as “Points”) and sometimes that price/fee is a rebate to you (that’s how some lenders will quote you a “no cost loan”). What’s in the middle is something called “PAR”. This is the fancy Wall Street word for “Neutral”, meaning you don’t pay points and you don’t get a rebate. The price for mortgage rates has been increased at the direction of the Federal Housing Finance Administration because they don’t believe they are making enough money and raising these fees (because inflation). The FHFA believes this will help them maintain the financial health of Fannie Mae and Freddie Mac–the two Government Sponsored Entities that purchase many of the home loans that are originated in the United States.

Here’s a picture proving that home loans for the purpose of purchasing just got more expensive for us all:

Now, Fannie and Freddie have what is called a “Duty to Serve” and that requires them to be focused on helping first time home buyers get into homes. That is why the chart above shows that a smaller down payment and a lower credit scores appears to be getting a better deal than say someone with higher credit and a larger down payment.

But let’s take the following example, if you have two borrowers, one with a 700 FICO and 20% down, and another with 640 and 5% down, the LLPAs (1.500%) are in fact the same, creating an “equal” playing field. However, if you have both come in with 5% the higher FICO score gets an improvement to LLPA of 0.625%, whereas if the lower FICO borrower comes in with 20%, their LLPA is 1.375% higher. With the latter, a mortgage of $600,000 results in $8,250 of additional costs to the lower credit score borrower. The point here is that the FHFA is working to create more affordable housing for those that have lower credit scores and by assumption a smaller down payment.

After Weeks of Decline, Mortgage Rates Increase

For the first time in over a month, mortgage rates moved up due to shifting market expectations. Home prices have stabilized somewhat, but with supply tight and rates stuck above six percent, affordable housing continues to be a serious issue for potential homebuyers. Unless rates drop into the mid five percent range, demand will only modestly recover.

Primary Mortgage Market Survey® U.S. weekly averages as of 04/20/2023

Current Mortgage Rates Data Since 1971​xlsx

Opinions, estimates, forecasts, and other views contained in this document are those of Freddie Mac’s economists and other researchers, do not necessarily represent the views of Freddie Mac or its management, and should not be construed as indicating Freddie Mac’s business prospects or expected results. Although the authors attempt to provide reliable, useful information, they do not guarantee that the information or other content in this document is accurate, current or suitable for any particular purpose. All content is subject to change without notice. All content is provided on an “as is” basis, with no warranties of any kind whatsoever. Information from this document may be used with proper attribution. Alteration of this document or its content is strictly prohibited. ©2023 by Freddie Mac.

Week of April 17, 2023 in Review

The latest data showed signs of strength in the housing market while the labor sector is getting weaker. Plus, an important recession signal continues to reflect a slowing economy. Don’t miss these stories:

  • What the Media Gets Wrong About Home Prices
  • Home Builders Need to be “Starting” Something
  • NAHB Reports Cautious Optimism Among Home Builders
  • Job Market Getting Weaker
  • Recession Signal Flashing

What the Media Gets Wrong About Home Prices

 existing home sales

Existing Home Sales fell 2.4% from February to March to a 4.44 million unit annualized pace, per the National Association of Realtors (NAR), which was in line with estimates. Sales were 22% lower than they were in March of last year. This report measures closings on existing homes, which represent around 90% of the market, making it a critical gauge for taking the pulse of the housing sector.

What’s the bottom line? While it’s true that buyer activity slowed in March, February was an especially strong month for closings, so a slight pullback last month was understandable.

In addition, multiple data points suggest that demand remains strong. Homes stayed on the market on average for 29 days, down sharply from 34 days in February. Plus, 65% of homes sold in March were on the market for less than a month, which is up from 57% and shows homes are selling quickly when they’re priced correctly. Meanwhile, investors accounted for 17% of transactions last month, making up roughly one out of every six deals. Clearly investors are seeing the opportunity in housing right now.

Also of note, there was a 0.9% decline in the median home price to $375,700 from a year earlier. However, this is not the same as a decline in home prices as some media reports implied.

The median home price simply means half the homes sold were above that price and half were below it, and this figure can be skewed by the mix of sales among lower-priced and higher-priced homes. In fact, we could see home prices increase across all price categories, but the median price could still fall if the concentration of sales was on the lower end. Actual appreciation numbers are higher, not lower, on a year-over-year basis according to key reports from Case-Shiller, CoreLogic and the Federal Housing Finance Agency.

Home Builders Need to be “Starting” Something

 housing starts

Construction of new homes slowed in March, with Housing Starts falling nearly 1% from February. Building Permits, which are indicative of future supply, also fell 8.8% for the month. While Starts and Permits for single-family homes both ticked higher from February to March, they were significantly lower than in March of last year.

What’s the bottom line? The housing sector is undersupplied, and not enough inventory is heading to the market. Starts for single-family homes have been on a downward trend over the last year, with the pace of 1.191 million units in March 2022 falling all the way to 861,000 units this March. Single-family permits have followed the same pattern, declining from a pace of 1.163 million units to 818,000 over the same period.

With single-family homes remaining in high demand among buyers, the imbalance between supply and demand should continue to be supportive of prices. 

NAHB Reports Cautious Optimism Among Home Builders

 HMI

The National Association of Home Builders (NAHB) Housing Market Index, which is a near real-time read on builder confidence, rose one point to 45 in April, marking the fourth straight month this measure has increased. Among the components of the index, current sales conditions rose two points to 51 while sales expectations for the next six months increased three points to 50. Buyer traffic remained unchanged at 31.

What’s the bottom line? Home builder confidence has now risen 14 points since the low of 31 in December. Present sales conditions returned to expansion territory (over 50) for the first time since last September, while the future sales outlook is right at the breakeven between expansion and contraction at its highest level since June. Even though the overall confidence reading remains below 50 in contraction territory, sentiment continues to rebound in the right direction.

Job Market Getting Weaker

 jobless claims B

Initial Jobless Claims continued to move higher this month, with the number of people filing for unemployment benefits for the first time rising by 5,000 in the latest week to 245,000. This tied the third highest reading so far this year. Continuing Jobless Claims also surged to 1.865 million, up 61,000.

What’s the bottom line? Continuing Claims measure people who continue to receive benefits after their initial claim is filed and this data clearly shows that hiring has slowed. While the number can be volatile from week to week, the overall trend has been higher with an increase of around 576,000 since the low reached last September.

Plus, there’s greater evidence of workforce reductions as the four-week average of Initial Jobless Claims, which smooths out some of the weekly fluctuation among first-time filers, has hovered around 240,000 at a yearly high in recent weeks.

Recession Signal Flashing

The Conference Board released their Leading Economic Index (LEI) for March, which was down 1.2%, falling to “its lowest level since November of 2020, consistent with worsening economic conditions ahead,” said Justyna Zabinska-La Monica, Senior Manager, Business Cycle Indicators. This report is a composite of economic indexes and can signal peaks and troughs in the business cycle.

What’s the bottom line? The Conference Board explained that a warning signal occurs when the LEI 6-month growth rate on an annualized basis breaks beneath 0%. But a break beneath -4.2%, like we saw last month, is a recession signal that has been highly accurate historically. The Conference Board also stated that they believe the U.S. will enter a recession “starting in mid-2023.” 

What to Look for This Week

More housing news is ahead, starting with Tuesday’s release of home price appreciation data for February from the Case-Shiller Home Price Index and the Federal Housing Finance Agency (FHFA) House Price Index. March’s New Home Sales will also be reported on Tuesday, while Pending Home Sales follows on Thursday.

Also on Thursday, the latest Jobless Claims data will be released along with the first reading for first quarter 2023 GDP. Friday brings perhaps the biggest news of the week with March’s reading for the Fed’s favored inflation measure, Personal Consumption Expenditures.

Technical Picture

Mortgage Bonds were able to stay above their 50-day Moving Average after testing it earlier in the day last Friday. The 10-year tested support at its 200-day Moving Average but remained above it at the end of last week.

Shared From Lender Chris Carr NMLS# 1466899 – SOURCE

If you are considering a sale or purchase of Real Estate – The Caton Team would love to interview for the job as your Realtor. We love what we do, let us take care of you.

We believe to be successful in the 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 integrity, while strategically maneuvering through negotiations and contracts.  

A mother and daughter-in-law team with 40 years of combined, local real estate experience, knowledge, and know-how – 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 | 650.799.4333 | Email | Info@TheCatonTeam.com

Effective. Efficient. Responsive. 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 from our TESTIMONIALS.

| HOW TO SELLGET READY CAPITAL – Loans to Prep for Sale | VIRTUAL STAGING | A GUIDE TO BUYING | BUYING INFO |  MOVING | TESTIMONIALS

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

| HOW TO SELLGET READY CAPITAL – Loans to Prep for Sale | VIRTUAL STAGING | A GUIDE TO BUYING | BUYING INFO |  MOVING | TESTIMONIALS

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

We strive to be more than just Realtors – we are also your home resource. If you have any real estate questions, concerns, need a referral, or 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.