We have 5 Stars on YELP

And it feels so good!  Thank you Kenny – who in his own right is an amazing lender – for this wonderful Yelp Review.  Really made our day!

The Caton Team works by referral only.  Our worth ethic and our integrity speaks for itself.  Thank you Kenny for taking the time to leave us such a glowing review.

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Got 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 upmost 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.

Email Sabrina & Susan at: Info@TheCatonTeam.com

Call us at: 650-568-5522 Office: 650-365-9200

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

The Caton Team Website

The Caton Team Advantage

How to Buy While Selling Real Estate

Want Real Estate Info on the Go?  Download our FREE Real Estate App:  Mobile Real Estate by The Caton Team

Visit us at:  Our Blog * TheCatonTeam.com * Facebook * Instagram * HomeSnap* Pintrest * LinkedIN Sabrina * LinkedIN Susan

Thanks for reading – Sabrina

Berkshire Hathaway HomeServices – Drysdale Properties

Sabrina DRE# 01413526 / Susan DRE #01238225 / Team DRE# 70000218/ Office DRE #01499008

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

The Importance of your Home Owners Insurance

In light of the home fire in San Carlos this weekend, my Monday Market Update video on Instagram and Facebook reminds us of the importance of Home Owners Insurance – also known as Fire Insurance. 

Please note, Flood and Earthquake insurance are entirely different and not part of today’s topic.

If you’ve ever bought a home with a home loan, you have Home Owners Insurance.  However, did you know that as time goes by, as you update your home, as you buy a better computers, maybe a new wedding ring, or upgrade to new appliances, your policy may fall short?  All that is your home and all that is inside your home falls under your Home Owners Insurance and should something happen – you want and need to ensure you are properly covered.  In light of the Santa Rosa fires – this topic should be top of mind.  Fire is one thing, we know it will consume everything in sight.  But the fire isn’t the only damage.  Imagine a small attic fire – you think – that’s ok my furniture wasn’t burned.  Did you consider what it takes to put out a fire?  How to get to the fire?  Sometimes the water damage in putting out the fire is worse than the fire itself.  Nonetheless it is imperative to make sure you are properly covered. 

Now, right now, this week, is a great time to call your Insurance Agent and set a revaluation appointment to go over your policy together.  Chances are, your home has changed since the day you bought it.  Don’t forget to speak to your Insurance rep about CODE UPGRADE.  Especially if you bought your home several years ago.  Adding the code upgrade to your policy can and will make all the difference if you are impacted by a fire or other home damage.  Chances are the policy in place is to rebuild the home to – let’s say –  to 1960’s standards but your home has been updated, you want and need to build your same home by today’s standards and costs – so that means you need a Code Upgrade on your policy.

Take some time to document your personal items of value.  Jewelry, computers, antiques, collectables, your furniture, clothes, kitchen cabinets, granite counters, name brand –  top of the line appliances, these all cost money to replace.  Gather as much information as you can so you can get the proper coverage.  A little extra work today can make all the difference should something happen tomorrow.

The Caton Team – we are Realtors and cannot give any advice beyond Real Estate.  This blog post is meant as a gentle reminder to call your Insurance provider directly and set a revaluation appointment as soon as possible. 

Oh – on that note, you do NOT have to be a home owner to insure your personal property.  Renters Insurance is just as important and covers the TENANTS personal belogings.  You can’t rely on the Landlords Insurance to make you whole – what if they are under insured?  Protect yourself and your life – get home and/or renters insurnace.

Got 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 upmost 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.

Email Sabrina & Susan at: Info@TheCatonTeam.com

Call us at: 650-568-5522 Office: 650-365-9200

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

The Caton Team Website

The Caton Team Advantage

How to Buy While Selling Real Estate

Want Real Estate Info on the Go?  Download our FREE Real Estate App:  Mobile Real Estate by The Caton Team

Visit us at:  Our Blog * TheCatonTeam.com * Facebook * Instagram * HomeSnap* Pintrest * LinkedIN Sabrina * LinkedIN Susan

Thanks for reading – Sabrina

Berkshire Hathaway HomeServices – Drysdale Properties

Sabrina DRE# 01413526 / Susan DRE #01238225 / Team DRE# 70000218/ Office DRE #01499008

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

How Smart are Your Sprinklers?

Being a born and raised California – water conservation and landscaping is an important topic for homeowners.  Enjoy this article I found.

 

You’re all alone at home when you hear it. Sh-sh-sh-sh-sh-sh-shhhhhhhh… and it seems to be coming from outside. You look around, very puzzled and a little afraid, then it comes again sh-sh-sh-sh-sh-sh-shhhhhhhh.
Oh! It dawns on you suddenly. “Alexa, turn the sprinklers off.”
Smart devices are popping up everywhere, even on your front lawn. And while many seem kind of silly, like voice controlled outlets, others, like smart sprinklers are very likely the smart device you never realized you needed.
The Basics of Smart Sprinklers
Sprinklers have been becoming increasingly smarter over the years, but those standard sprinkler systems still can’t hold a candle to a smart sprinkler. These babies are so efficient that in research studies, they’ve been able to save up to 70 percent of the water a traditional sprinkler will use. That’s not just good for the environment, your driveway and your neighbor’s cat, it’s great for your pocketbook.
Smart and Not As Smart Sprinklers
There are two different types of smart sprinklers on the market right now. The main difference is in how they determine when they need to be running (if you let them do their thing instead of programming them directly). Those are:
Sensor-based. This type of sprinkler relies on one of several types of soil moisture sensors to figure out just how wet the soil is. When it’s wet enough, the sprinkler stops. They can either check the sensor on a schedule, watering or not watering depending on the moisture, or they run automatically when the moisture in the soil is out of a programmed range.
The down side to sensor-based sprinklers is that they can literally only measure the moisture around the sensor. If your lot is uneven or unusual, these may not really do much for you and could end up wasting a lot of water.
Weather-based. Also known as a signal-based or evapotranspiration controller, these controllers are actively scanning for weather reports so they can adjust the amount of water they let loose on your lawn. Some systems also consider historical data for your region, others collect on-site weather information to make the most accurate calculations.
Weather-based smart sprinklers are amazing, there are no two ways about it. But they can also get very expensive very quickly. That being said, over the long term, they’ll save you more money because of the increased precision, but if you’re not willing or able to let the computer take control, these are not for you.
For Extra Bang, Add a Flow Meter
Some smart sprinkler systems can be fitted with an optional flow meter, which can prove to be a huge help down the road. You can use a flow meter to measure the amount of water that your sprinklers are putting out, but generally, your smart sprinkler can also do that. What they can’t do is tell you if the pressure is too high or too low, indicating a problem in the system.
For a lot of systems, the optional flow meter is a less than $50 upgrade. When compared to the water bill a broken sprinkler line could cost you, it’s not much in the way of an investment.
Smart Sprinklers May Be Covered By Utility Rebates
Although they can be a pricey initial purchase, the cost of a smart sprinkler system will often be rebated to you by your water utility. Because of the amount of water saved and the run-off that’s eliminated, more and more utilities and municipalities are issuing rebates for these smart devices.
Check with your utility company and the EPA’s WaterSense site to determine which devices are covered in your area.
I found this article here: HomeKeeper

 

Got 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 upmost 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.

Email Sabrina & Susan at: Info@TheCatonTeam.com

Call us at: 650-568-5522 Office: 650-365-9200

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

The Caton Team Website

The Caton Team Advantage

How to Buy While Selling Real Estate

Want Real Estate Info on the Go?  Download our FREE Real Estate App:  Mobile Real Estate by The Caton Team

Visit us at:  Our Blog * TheCatonTeam.com * Facebook *Yelp Us * My Yelp * Instagram * HomeSnap* Pintrest * LinkedIN Sabrina * LinkedIN Susan

Thanks for reading – Sabrina

Berkshire Hathaway HomeServices – Drysdale Properties

Sabrina DRE# 01413526 / Susan DRE #01238225 / Team DRE# 70000218/ Office DRE #01499008

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

What to consider when purchasing investment properties…

Many Real Estate investors, priced out of the Bay Area but savey enough to know that Real Estate is a solid, long term investment are migrating outside the Bay for oppotunities.  The moment local buyers start seeing the homes and prices just a few hours away from here – they start to get really excited about the prospect of owning Real Estate.

It’s one thing to buy a home you plan on living in.  It’s another thing to buy a home you plan on renting out – even if the end game is moving in down the line.

Here is a short list of things to consider when buying investment property:

  • How strong is the rental market in the area I am looking in?
  • What are rents going for?
  • What have they gone for?
  • What is the forecast of the rental market?
  • Will the cost of the rent cover the mortgage, insurance and upkeep?
  • What happens when I loose a tentant?
  • Do I have enough rainy day money to cover the loss of rent and tenant percurment?
  • How much does home maintenance cost for a rental property?
  • Will I be the landlord who fixes items – or will I want a property manager?
  • Will I manage the home myself?
  • Will I find a tenant on my own?
  • Will I draft my own contracts?
  • How much does a property manager cost?
  • What services do they provide?
  • What happens when something breaks?
  • Will you go fix it?
  • Can you afford to fix?  – By the way YOU have to fix it.
  • Do you want to be a landlord?

 

The list goes on.  Bottom line, sit down and talk with a Realtor you trust.  If you don’t know one – The Caton Team would love to interview for the job.  We can help you understand the local markets and refer you to local Realtors that can help you make an educated decision.  Apps and the net are great for information but nothing beats real world experiance.

Got 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 upmost 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.

Email Sabrina & Susan at: Info@TheCatonTeam.com

Call us at: 650-568-5522 Office: 650-365-9200

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

The Caton Team Website

The Caton Team Advantage

How to Buy While Selling Real Estate

Want Real Estate Info on the Go?  Download our FREE Real Estate App:  Mobile Real Estate by The Caton Team

Visit us at:  Our Blog * TheCatonTeam.com * Facebook *Yelp Us * My Yelp * Instagram * HomeSnap* Pintrest * LinkedIN Sabrina * LinkedIN Susan

Thanks for reading – I wrote this – Sabrina

Berkshire Hathaway HomeServices – Drysdale Properties

Sabrina DRE# 01413526 / Susan DRE #01238225 / Team DRE# 70000218/ Office DRE #01499008

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

Turning Teachers into Local Home Owners – It’s What We Do

Hello readers!  Sabrina here with one of my favorite posts to date.  When I first heard of Landed.com I knew I wanted to be a part of their movement.  Landed is a Down Payment Assistance / Equity Share Program aimed to help local teachers obtain the much needed 20% down payment for their home purchase.  Trust me  – around here that kind of help makes a difference.

I immediately reached out to them and asked if I could help teachers in need and the rest is history.

We had the pleasure of helping Lars and several families navigate the competitive waters of Bay Area Real Estate and make a piece of California their own.  I cannot tell you how much joy it brings me to not only help these teachers, but to earn their trust and respect as they jumped into market feet first – dreaming of owning a home in thier community.  The Caton Team loved helping them and ready to help another teacher.

If you are a teacher or you know a local teacher – please send them our way and we’d be happy to connect them.  For everything our local teachers give – it’s so good to be able to give back!

Got 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 upmost 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.

Email Sabrina & Susan at: Info@TheCatonTeam.com

Call us at: 650-568-5522 Office: 650-365-9200

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

The Caton Team Website

The Caton Team Advantage

How to Buy While Selling Real Estate

Want Real Estate Info on the Go?  Download our FREE Real Estate App:  Mobile Real Estate by The Caton Team

Visit us at:  Our Blog * TheCatonTeam.com * Facebook *Yelp Us * My Yelp * Instagram * HomeSnap* Pintrest * LinkedIN Sabrina * LinkedIN Susan

Thanks for reading – Sabrina

Berkshire Hathaway HomeServices – Drysdale Properties

Sabrina DRE# 01413526 / Susan DRE #01238225 / Team DRE# 70000218/ Office DRE #01499008

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

Your Property Tax Bill is due November, 1, 2018

Property Tax Due

Just a friendly reminder that the 1st Installment of your Property Tax Bill is Due on November 1 – delinquent December 10.

For more information visit:

San Mateo County

http://www.smcare.org/default.asp

Santa Clara County

https://www.sccgov.org/sites/dtac/Pages/default.aspx

San Francisco County

http://sftreasurer.org

 

The Caton Team strives to be more than just Realtors – we are also your resource. If you have any real estate questions, concerns, need a referral or some guidance – we are here. Contact us at your convenience.  Info@TheCatonTeam.com

The Caton Team

A Family of Realtors

With over 35 years of combined, local, Silicon Valley Real Estate experience – What can The Caton Team do for YOU?

The Caton Team Blog – The Real Estate Beat

The Caton Team Website

How to Buy While Selling Real Estate

 

Got Questions? – The Caton Team is here to help.  

Email Sabrina & Susan at:  Info@TheCatonTeam.com

Call us at: 650-568-5522  Office: 650-365-9200

Want Real Estate Info on the Go?  Download our FREE Real Estate App:  Mobile Real Estate by The Caton Team

Visit us at:  Our Blog * TheCatonTeam.com * Facebook *Yelp Us * My Yelp * Instagram * HomeSnap* Pintrest * LinkedIN Sabrina * LinkedIN Susan

Thanks for reading – Sabrina

The Caton Team – Susan & Sabrina – A Family of Realtors

Effective. Efficient. Responsive.  What Can The Caton Team Do For You?

Berkshire Hathaway HomeServices – Drysdale Properties

Sabrina BRE# 01413526 / Susan BRE #01238225 / Team BRE# 70000218/ Office BRE #01499008

The Caton Team does not receive compensation for any posts.  Information is deemed reliable but not guaranteed.

How to figure out the best time to buy a home, according to a mortgage analyst

Timing your home purchase correctly — like during the winter or before you get married — can save you money.

  • Buying a home is likely to be one of the biggest investments of your life.
  • For many, life events such as marriage or the birth of a child are often the catalyst to buying a home.
  • It’s important to buy a home when you’re able to afford one, though waiting until the winter to put down an offer could save you a bit.
  • Here’s how to know when it’s the best time to buy a home.

Buying your first home is one of the biggest investments you will make in your lifetime.

With housing prices on the rise in many US markets, it can be difficult to find a home that fits your family’s needs without mortgage payments that will break your budget.

According to Holden Lewis, a mortgage analyst at Nerdwallet, timing your home purchase correctly — like during the winter or before you get married— can save you money.

Lewis has followed the mortgage market since 2001 — through the first housing boom, the 2008 crash and its aftermath, and the recovery. Here are his practical tips to help you figure out the right time to buy a home.

Buy when you’re ready

You’re ready to buy a home when you can afford one.

The right time to buy a house is when you have enough money saved up for a down payment and an income that allows you to comfortably afford the mortgage payment. According to Consumer Reports, many financial planners recommend limiting the amount you spend on housing to 25% of your monthly budget.

If you’re not sure whether you can afford a home in your area, Lewis suggests using an online calculator, such as this one from Nerdwallet.

Major life events can also be an impetus for making the leap into home ownership. “I think there’s a lot of personal triggers for homebuying,” Lewis said. “The most common one is adding children to your family.”

Lewis transitioned from being a renter to a homeowner shortly after his son was born. “It was really nice that his first steps were taken in a home of our own,” he said.

Don’t wait until you get married

You don’t have to hold off until marriage to buy a home.

According to Lewis, many people think they need to wait until they get married before buying a home. “I think being single is not a reason to hold off,” he said. “When you buy a home sooner, you’re building equity sooner.”

The Washington Post reported in that 18% of the home purchases made in 2017 were made by single women. That figure includes older women who are widowed or divorced, as well as younger women ready to invest in real estate and put down roots.

Buy in the winter

You may find cheaper listings in the winter.

In 2012-2017, the number of starter homes on the market reached its peak between October and December in 70 of the 100 largest US metros, according to a 2017 report by Trulia. This means that there are more options for those looking to buy their first homes in the fall.

But it may be worth waiting until winter to make an offer, as Trulia also reported a decline in the prices of starter homes between January and March 2017. Additionally, Lewis said that prices tend to be highest in June and July and take a tumble by January or February.

While the number of houses for sale goes down in the winter, the number of buyers declines even more, so you’ll face less competition for the homes that are on the market, Lewis said. And sellers with homes on the market in the winter may be more likely to negotiate, according to a US News report.

Lewis said that this trend holds true even in the places that snowbirds flock to in the winter months. “There’s even a difference in prices in places like Orlando and Phoenix,” he said. “That really surprised me.”

“Each city and even different neighborhoods might be different,” Lewis added. “The best thing to do is ask an experienced local real estate agent.”

Avoid waiting for mortgage rates to go up or down

Don’t let mortgage rates impact your timing of buying a home.

Lewis said mortgage rates have remained low for the past 15 years, despite predicting that they would rise.

“I’ve been following mortgage rates now for 17 years and I can’t tell you how many Januarys I’ve predicted, ‘This is the year when mortgage rates are going to rise substantially,’ and every year it hasn’t happened,” Lewis said.

Lewis recommends resisting the pressure to either rush or delay buying a home based on mortgage rate predictions. “You have at least a 50% chance of being wrong,” he said, so don’t let this affect your timing of when you want to buy a home.

Look for creative financing

There are home-buying programs that you may find helpful

You might have more options for home financing than you realize. Some states, such as Pennsylvania and California, offer homebuyers help with financing, including down payment assistance. Even if your state doesn’t offer any special programs, you might be eligible for an FHA loan, which may only require a down payment of 3.5%.

The VA offers home-buying programs to active-duty military, veterans, and some surviving spouses of servicemembers. “If you are a veteran or in the military, really look into VA loans,” Lewis said. “They are a great deal.”

There is also first-time homebuyers’ assistance at the local level. San Francisco has a special program to help local teachers, and New York City’s HomeFirst program provides up to $40,000 in down payment or closing cost assistance to homebuyers.

In expensive markets like these, assistance programs can make a big difference, Lewis said. Invest a bit of your time to research what support is available where you live.

SEE ALSO: The 10 smartest things I did before I bought my first house

I read this: Business Insider

Got 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 upmost 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.

Email Sabrina & Susan at: Info@TheCatonTeam.com

Call us at: 650-568-5522 Office: 650-365-9200

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

The Caton Team Website

The Caton Team Advantage

How to Buy While Selling Real Estate

Want Real Estate Info on the Go?  Download our FREE Real Estate App:  Mobile Real Estate by The Caton Team

Visit us at:  Our Blog * TheCatonTeam.com * Facebook *Yelp Us * My Yelp * Instagram * HomeSnap* Pintrest * LinkedIN Sabrina * LinkedIN Susan

Thanks for reading – Sabrina

Berkshire Hathaway HomeServices – Drysdale Properties

Sabrina DRE# 01413526 / Susan DRE #01238225 / Team DRE# 70000218/ Office DRE #01499008

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