Are Interest Rates Stopping You From Buying Real Estate Today? It doesn’t have to…

The news is full of bad news – that’s why The Caton Team is here to change the narrative. Yes – rates did jump 2nd Quarter of 2022 and it rippled through the Real Estate Market. Today – late January 2023, rates have settled down a bit from their nightmarish high of around 7% – today we’re seeing 4.5-6% popping up again.

BUT… it’s still not the 3% we loved in 2021! So, if Buying Bay Area Real Estate is still a goal – when the news says the market is down – now is the time to act – so let’s talk about solutions.

Welcome Home Funding, a division of Berkshire Hathaway HomeServices, is offering two products to help wishful home buyers get into a home while the market is soft – i.e. – that short window when it’s a buyer’s market here in the Bay Area.

Welcome Home Funding is offering a RATE BUY DOWN. Take a look at the example below. Year 1 – the interest rate is nice and low, getting a buyer into a property and each year it goes up a point*.

Next up is the Welcome Home Funding – RATE REBOUND. No one knows when the market will peak or where interest rates will land but with RATE REBOUND a buyer can rest assured that if rates drop further they can take advantage of the lower rate with NO lender fees on the refinance within 5 years of their purchase AND get a $1000 credit to go towards third parties fees associated with refinancing – like the appraisal report and new credit pull. Please note this product has a promotional lifespan. Homes must be IN Contract by 6.30.2023 and Close Escrow by 9.30.23 to qualify. Please note lender fees do apply to the original purchase loan with Welcome Home Funding.

For more information – contact The Caton Team|Cell 650.799.4333| EMAIL|

Or Mike Kamienski with Welcome Home Funding |Cell (650) 484-6488 | EMAIL|

Got Questions? The Caton Team is here to help.

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

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

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Why Homebuyers Need to Act Now

Wow – the article below really stuck a chord with me  – as I just heard one of my buyers “wants to wait”.  I cringe when I hear that – because in my 11 years in this business, and Susan’s 16 years – “waiting” has got our clients no where!

Well, let me rephrase that – those who were able to get back into the market after stepping out – ended up spending more money on less house.  Point Blank – end of story.  I kid you not.  Some of them are still looking and it isn’t getting any easier.  Now maybe the few would couldn’t buy before the financial crises did great “waiting” by buying afterwards – but those folks are far and few between and those days are long behind us.  We have exceeded our pre-bust prices – by far!  And with the way our market has fully recovered, with amazing demand we have for housing on the San Francisco Peninsula and the lack of inventory – waiting means paying more money for less house.  And in some cases not even a house – but a condo or townhouse – or nothing at all.

There is a phrase in Real Estate we use.  Don’t wait and buy real estate – buy real estate and wait!  Once you own your home, you will gain equity as the market continues to climb.  Now I know so many buyers, myself included, that would like to see prices come down a bit – for affordability factors.  However, that’s not likely to happen here on the San Francisco Peninsula.  Do you know how many new office spaces are being built or planed to be built here?  I do.  And it is a lot.  And where are these people going to live?  If you want to rent a place these days – get ready to fork over at least $2000 for a one bedroom apartment if not a studio!  And why waste a good $2000 on rent when a person could easily afford a mortgage payment and actually earn some equity so that you can buy a larger house down the road.

The first home you buy will never be perfect, nice enough, or big enough.  But buy investing in a home – since we all need to live somewhere – a buyer will earn equity that will in turn get them into a better home down the road.  In the long run, you earn more money buying and holding real estate than the stock market or that saving account.

It breaks my heart to hear when person looses steam while trying to buy a home.  Our Bay Area real estate market is very competitive.  Always has, always will.  However, The Caton Team knows how to maneuver through it and have had great success with our buyers who take our sage advice, consider the facts, review our numbers and give it their all.

If you have questions regarding buying or selling – we are here to help – call or email me any time.




Now for the article…


Why Homebuyers Need to Act Now




Home buyers need to move fast if they want to spend less, notes Jonathan Smoke, chief economist at® in commentary at the site.

“Delayed purchases will only result in higher monthly mortgage payments as prices and rates rise,” Smoke writes.® is forecasting that affordability may decline as much as 10 percent over the year.

The Federal Reserve continues to remind the financial markets that it plans to raise its target federal funds rate this year, which will cause mortgage rates to rise. Many economists are predicting 30-year fixed-rate mortgages to average near 5 percent by the end of the year.

For now, mortgage rates are near historical lows for homebuyers and home owners who can take advantage. Freddie Mac reported last week that the 30-year fixed-rate mortgage averaged 3.66 percent (last year at this time it averaged 4.32 percent), and 15-year fixed-rate mortgages averaged 2.98 percent (a year ago, it averaged 3.40 percent).

“Right now, the Fed is using the word ‘patient’ to describe its approach to picking the time to raise the target rate,” Smoke notes. “However, when the Fed ‘loses patience,’ rates will go up at least 20 to 40 basis points in anticipation of the target rate officially going up. … So, buyers beware: The clock on these low mortgage rates may be ticking.”

Source: “2015: Buy Now, Before the Fed’s Patience Ends,”® (Jan. 30, 2015)


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