New Homes Make Room for Mom, Dad, Roommates and Airbnb-ers

Multigenerational homes are not unheard of – I like this new trend since it embraces so many cultures that care for their elders and gives a chance to younger home owners who need a roommate and personal space.  What are your thoughts?  

New Homes Make Room for Mom, Dad, Roommates and Airbnb-ers

We hear it over and over in real estate: affordability is increasingly becoming an issue for prospective homebuyers across the country. U.S. home prices have increased by 25% since the beginning of the recovery in 2011, according to S&P/Case-Shiller Home Price Index, while median household incomes have barely budged. Apartment rents, meanwhile, have jumped by 20% since 2010, according to data tracker Reis Inc., making it more difficult for prospective home buyers to save for down payments.

Now, home builders are trying to appeal to the group of homebuyers who are being priced out from making a purchase. We have already looked at companies that are producing low-cost starter homes for millennials in our story Will Low-Cost Starter Homes Bring More Millennials to the Market?, but there are other building companies that are taking a different approach to home affordability.

As a nod to rising housing costs across the U.S., a Las Vegas developer presented its vision of the New American Home that included nontraditional living arrangements to help ease families’ financial burdens and was designed around the concept of roommates.

The 5,200-square foot home, on a hill overlooking the Vegas skyline, includes a second-floor unit that can house aging parents or recent college grads with unstable employment prospects. If necessary, the home, constructed by local developer Element Design Build, could even accommodate two families pooling their resources.

The home was unveiled at the International Builders’ Show, the industry’s largest trade show where the latest concepts and technologies are showcased. This year affordability concerns were on display as home builders say they are seeing growing demand for properties designed to be shared with family members or roommates or even rented out to tourists.

Another home at the trade show, built by Pardee Homes, a member of the California-based TRI Pointe Group, was designed to cater to the tastes of younger home buyers in the mid-$300,000 range. It includes two guest suites that can be rented on home-sharing sites like Airbnb. Both include separate entrances and a small kitchenette and can accommodate a single person or couple in need of a roommate. TRI Pointe found that 35% of young adults want to be able to rent out space in their homes at least part-time.

“A lot of their motivation for doing that is to make the financial step of buying their home more doable,” said Linda Mamet, vice president of corporate marketing at TRI Pointe.

Brad Hunter, chief economist at Metrostudy, a construction-research firm, said builders are stepping up efforts to build such homes to “capture the zeitgeist of affordability.”

Do you think this is a smart building approach to home affordability? Would you be willing to rent out space in your home as a first-time buyer?

 

I read this article at: http://re-insider.com/2016/02/16/new-homes-make-room-for-mom-dad-roommates-and-airbnb-ers/

Remember to follow our Blog at: https://therealestatebeat.wordpress.com/

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

Email Sabrina & Susan at: Info@TheCatonTeam.com

Call us at: 650-568-5522

Want Real Estate Info on the Go? Download our FREE Real Estate App:  http://thecatonteam.com/mobileapp

Visit our Website at:   http://thecatonteam.com/

VISIT OUR INSTAGRAM PAGE: http://instagram.com/thecatonteam

Visit us on Facebook:   http://www.facebook.com/pages/Sabrina-Susan-The-Caton-Team-Realtors/294970377834

Yelp us at: http://www.yelp.com/biz/the-caton-team-realtors-sabrina-caton-and-susan-caton-redwood-city

Or Yelp me: http://www.yelp.com/user_details_thanx?userid=gpbsls-_RLpPiE9bv3Zygw

Connect with us professionally at LinkedIn: http://www.linkedin.com/profile/view?id=6588013&trk=tab_pro

Please enjoy my personal journey through homeownership at:

http://ajourneythroughhomeownership.wordpress.com

Thanks for reading – Sabrina

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

Berkshire Hathaway HomeServices – Drysdale Properties

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

 

Advertisements

Low Down Payment Loans Are Back

One of the biggest hurdle I see – is saving up for the 20% down payment for a home loan.  And with the cost of housing in the Bay Area – that 20% is a very pretty penny.  In fact, it seems almost impossible for some to even fathom how to save that much.  So the prospect of a low down payment could help get buyers into the market. Enjoy this article… 

Low Down Payment Loans Are Back

A feature of the housing crisis is back.

Just because you haven’t saved up enough for a 20% down payment—or even 10%—doesn’t mean you’re locked out of the housing market.

In 2015, 26% of loans for home purchases were made with down payments of less than 10% of the home’s value, according to data released Thursday from RealtyTrac. That’s a 10% increase from 2014. In fact, the number of home owners who purchased homes with low down payments has been steadily increasing for the past five years.

The uptick is due in large part to a reduction in the cost of mortgages offered by the Federal Housing Administration, which underwrites loans to borrowers with subpar credit. While critics worry that a surge in low-money-down lending could set the stage for a reprise of the housing bubble, market watchers say the most important result of the change is to make homeownership a more realistic goal for many people, especially first-time buyers. In recent years, there has also not been a significant difference in the number of people who default on low-down-payment loans as opposed to those with higher down payments, according to data from the Urban Institute.

“Low-down-payment lending isn’t synonymous with risky lending,” says Nikitra Bailey, executive vice president of external affairs at the Center for Responsible Lending.

Read Next: What Mortgage Is Right for Me?

Indeed, the FHA has always offered loans with down payments as low as 3.5% to qualified buyers.

Still, there are considerations if you’re thinking about going that route. For one, it means you’ll have less equity in the home. You’ll also need to pay for private mortgage insurance, required for loans with down payments of less than 20% to guard against the risk of default.

If you’re looking to become a homeowner but can only afford to put a small amount down, here are a few more things to keep in mind:

  • Talk to a certified credit counselor, Bailey says. An adviser can walk you through your finances and help you decide if you’re in a position to buy a home despite not having a lot of savings built up. The U.S. Department of Housing and Urban Development also sponsors housing counseling agencies nationwide; you can find a list state-by-state directory here.
  • Keep in mind the cost of private mortgage insurance, which is required for anyone buying a home with a down payment of less than 20% of the value of the home. Add that on top of monthly mortgage premiums (and the higher interest rates you’ll likely pay when you put down less money), and in the long run taking out an FHA loan with a low down payment could be more expensive than paying 20% upfront. Additionally, the agency now also requires that certain borrowers pay insurance for the entire term of the mortgage, unless they refinance.

Make sure you’re able to set aside at least 1% of the house’s value in cash, in case you need to tap into it for maintenance or emergency repairs, says Mark Calabria, director of financial regulation studies at the Cato Institute. And of course, be prepared for unforeseen financial challenges in your own life: For instance, if you were to lose your job, you’d ideally want to have enough savings to cover six months of mortgage payments.

I read this article at: http://time.com/money/4218298/buy-home-low-down-payment/

Remember to follow our Blog at: https://therealestatebeat.wordpress.com/

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

Email Sabrina & Susan at: Info@TheCatonTeam.com

Call us at: 650-568-5522

Want Real Estate Info on the Go? Download our FREE Real Estate App:  http://thecatonteam.com/mobileapp

Visit our Website at:   http://thecatonteam.com/

VISIT OUR INSTAGRAM PAGE: http://instagram.com/thecatonteam

Visit us on Facebook:   http://www.facebook.com/pages/Sabrina-Susan-The-Caton-Team-Realtors/294970377834

Yelp us at: http://www.yelp.com/biz/the-caton-team-realtors-sabrina-caton-and-susan-caton-redwood-city

Or Yelp me: http://www.yelp.com/user_details_thanx?userid=gpbsls-_RLpPiE9bv3Zygw

Connect with us professionally at LinkedIn: http://www.linkedin.com/profile/view?id=6588013&trk=tab_pro

Please enjoy my personal journey through homeownership at:

http://ajourneythroughhomeownership.wordpress.com

Thanks for reading – Sabrina

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

Berkshire Hathaway HomeServices – Drysdale Properties

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

 

 

Crowdfunding for Real Estate – read on….

I am all about innovation and positive change.  When I heard that crowdfunding has made its way into the Real Estate market – I thought I’d have a look.  Read this article I found about a local company – RealtyShares…

RealtyShares Gets $10M From Menlo To Grow Its Platform For Crowdfunding Real Estate Projects

Sort of like a “LendingClub for real estate,” RealtyShares has taken the idea of crowdfunding and applied it to the real estate market. After about a year of operations in which it was able to show product-market fit, the company has raised $10 million in funding from Menlo Ventures to quickly grow the number of projects made available to investors.

Unlike some other crowdfunding platforms, RealtyShares isn’t aimed at the consumer market. Like AngelList, it is focused fully on helping accredited investors easily find opportunities for investment. Its main goal is to reduce the friction between project sponsors and real estate developers looking for capital and investors who are looking to diversify their portfolios.

RealtyShares accomplishes this by doing the actual work of underwriting opportunities for outside investors, and allowing them to invest as little as $5,000 into any individual project. As a result, it can give them access to projects that were either too small or too difficult to underwrite themselves.

For real estate developers, meanwhile, RealtyShare’s model helps them get access to capital much faster than if they were to turn to a bank or other lender to fund a project. Projects on average are fully funded within four days of being put on the RealtyShares platform.

Since being founded, it’s funded hundreds of residential and commercial properties worth more than $300 million. More importantly for investors, it’s already returned some of their capital, enabling them to re-invest in its platform. RealtyShares founder and CEO Nav Athwal tells me that investments on the platform have paid back $2 million in capital so far, though it’s early days.

Returns vary by project, based on the type of deal (commercial versus residential), as well as risk profile and whether they are debt or equity deals. But they can range from 8 percent to 20 percent, which generally outperforms most other investment opportunities available.

RealtyShares has been growing quickly, as it increases the number of projects that investors can put money into. Just over the last few months, it’s seen both the number of deals available and dollar value of investments made on its platform double month-over-month. Part of that growth has just come from having a bigger pipeline of deals come its way.

Athwal says the company is receiving about 1,000 applications a month from borrowers, which is up from about 300 at the end of 2014. It then does the work of narrowing down which projects it makes available to potential investors. According to Athwal, in March investors on its platform funded about 15 deals to the tune of $7 million.

But there’s a lot more deals it could make available, if it had the ability to underwrite its projects more efficiently. That’s where the most recent funding comes in. With it, RealtyShares will invest in hiring more people and streamlining its internal processes in an effort to more quickly vet applications that come its way.

Today it’s announcing a $10 million Series A round of financing led by Menlo Ventures, which also includes participation from previous investor General Catalyst. Along with the funding, Menlo Ventures general partner John Jarve will join the board.

According to Athwal, part of the reason RealtyShares decided to go with Menlo was the firm’s investment in and Jarve’s participation on the board of Betterment. He believes that experience will be useful in helping to grow his platform for real estate investment.

With the newfound cash, Athwal says RealtyShares will be looking to bring on more underwriters to handle the increasing volume of applications coming its way.

The company will also be investing in automating its internal processes for reviewing applications. Athwal believes that such automation will enable RealtyShares to more efficiently screen out projects which aren’t the best fit for the platform, thereby giving its underwriters the ability to focus on more qualified applications and project leads. Either way, the goal is to keep the quality of projects listed high, so that investors can keep investing with confidence.

DISCLAIMER – The Caton Team does not endorse this company or product – all blog content is for your enjoyment.  Please contact your CPA for financial guidance.  

I read this article at: http://techcrunch.com/2015/04/07/realtyshares-gets-10m-from-menlo-to-grow-its-platform-for-crowdfunding-real-estate-projects/

Remember to follow our Blog at: https://therealestatebeat.wordpress.com/

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

Email Sabrina & Susan at: Info@TheCatonTeam.com

Call us at: 650-568-5522

Want Real Estate Info on the Go? Download our FREE Real Estate App:  http://thecatonteam.com/mobileapp

Visit our Website at:   http://thecatonteam.com/

VISIT OUR INSTAGRAM PAGE: http://instagram.com/thecatonteam

Visit us on Facebook:   http://www.facebook.com/pages/Sabrina-Susan-The-Caton-Team-Realtors/294970377834

Yelp us at: http://www.yelp.com/biz/the-caton-team-realtors-sabrina-caton-and-susan-caton-redwood-city

Or Yelp me: http://www.yelp.com/user_details_thanx?userid=gpbsls-_RLpPiE9bv3Zygw

Connect with us professionally at LinkedIn: http://www.linkedin.com/profile/view?id=6588013&trk=tab_pro

Please enjoy my personal journey through homeownership at:

http://ajourneythroughhomeownership.wordpress.com

Thanks for reading – Sabrina

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

Berkshire Hathaway HomeServices – Drysdale Properties

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

Wire Fraud on the Rise in Real Estate

The newest tactic for online scams is wire transfer fraud.  These scammers are hacking into Realtor emails and lying in wait till it’s time to close escrow.  At that moment, they send a FAKE email that looks legit instructing clients to transfer their closing funds to another account.  The Realtors are unaware the email has been sent unless the client asks.  If the client just believes the email and changes their wire instructions – they have sent their hard earned money to the scammers and will never see those funds again.

It is incredibly frightening for myself, a professional Realtor to think that my email could be hacked and faked and money stolen.

If at any point an email seems fishy, pick up the phone and call your Realtor or call your Escrow Officer to double check the wire instructions.

Wire Instructions come directly from the Escrow Officer – not the Realtor.  Most Escrow Officers will call the client to get the information OR the wire instructions are completed at the time the loan documents are signed, in person with the client and Escrow Officer face to face.

This day in age, technology is King but nothing beats face to face interaction – especially for the largest purchase of your life.  No Realtor provides Wire Transfer Information.  Wire Instructions are part of the Escrow Process and will come directly from the Escrow Officers.

I try my best to keep my clients safe.  I hope no one experiences this!  For more information click on the link below from the National Association of Realtors.

I read this article at: http://www.realtormag.realtor.org/news-and-commentary/briefs/article/voice-for-real-estate?om_rid=AACmlZ&om_mid=_BXDP9rB9MJqMbl&om_ntype=BTNMonthly

Remember to follow our Blog at: https://therealestatebeat.wordpress.com/

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

Email Sabrina & Susan at: Info@TheCatonTeam.com

Call us at: 650-568-5522

Want Real Estate Info on the Go? Download our FREE Real Estate App:  http://thecatonteam.com/mobileapp

Visit our Website at:   http://thecatonteam.com/

VISIT OUR INSTAGRAM PAGE: http://instagram.com/thecatonteam

Visit us on Facebook:   http://www.facebook.com/pages/Sabrina-Susan-The-Caton-Team-Realtors/294970377834

Yelp us at: http://www.yelp.com/biz/the-caton-team-realtors-sabrina-caton-and-susan-caton-redwood-city

Or Yelp me: http://www.yelp.com/user_details_thanx?userid=gpbsls-_RLpPiE9bv3Zygw

Connect with us professionally at LinkedIn: http://www.linkedin.com/profile/view?id=6588013&trk=tab_pro

Please enjoy my personal journey through homeownership at:

http://ajourneythroughhomeownership.wordpress.com

Thanks for reading – Sabrina

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

Berkshire Hathaway HomeServices – Drysdale Properties

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

 

 

Do’s and Don’ts for Buying Furniture on a Budget

With the real estate market as expensive as it is here in the Bay Area – once you buy the house – how do you decorate it?  Thought I would share this article – enjoy!  

Do’s and Don’ts for Buying Furniture on a Budget

Furniture can be crazy expensive, and investing in designer or heirloom pieces isn’t always feasible. So how can you furnish your home with pieces that look and feel like they’ll last longer than a season? At Décor Aid, we always try to score the best deals for our clients. Here are some of our designers’ best tips for maximizing your budget.

Do be willing to buy floor models

You can save a lot of money by purchasing pieces at the end of the season when stores are changing their display to new collections. If you find an inexpensive wooden piece but the shade is too light, you can restain it darker. If it’s slightly damaged, it might be easy to repair.

Don’t forget to inspect floor models thoroughly

Sit on a chair to ensure it’s sturdy. Push on a table to make sure it doesn’t wobble. Open and close dresser drawers to check that they slide smoothly. Look at the quality of the finish–there should be no bubbles, peeling, or chips, and the color should seem evenly applied. The upholstery seams should be straight and there shouldn’t be any holes in the fabric.

Obtain as much information about the piece’s history as you can: How long it has been on the floor? Was it a customer return? If it was a customer been a return, beware–it’s full history is unknown. Find all the skeletons in the closet before deciding whether or not to purchase.

Do consider buying a replica

This is a great way to get a high-end looking piece without a major investment. Although these pieces are not heirloom quality, depending on use they will last a long time. If you later decide the piece no longer fits your style or works in your space, you won’t feel bad selling it or swapping it out.

Don’t buy something that feels flimsy

As a general rule, if a piece is lightweight, then it’s probably not sturdy or well-made. Even engineered wood products, such as furniture made from MDF (medium density fiberboard) are heavy if they are a good quality. Solid wood items are preferable.

Do pay attention to the fabric

Natural fibers and fabrics are preferable, but most have synthetics mixed in–even the most high-end textiles have a small percentage woven through for durability and stain resistance. Buying fabrics mixed with synthetics can help you keep costs down, but consider the quality:  A fabric with about half or less synthetic is fine, as long as it still has a natural look and feel.

The most durable fabrics for upholstery are velvet and tweed. For windows, linen provides privacy and lets light in. Wool sateen is the ultimate choice for a more substantial fabric: its ultra-luxurious, and drapes well with a subtle sheen.

Don’t forget to consider your lifestyle

If you have kids or pets, or you’re choosing a piece for a high-traffic area, we often recommend indoor/outdoor fabrics. They are super durable and beautiful, so you don’t have to worry that your living room is full of patio furniture.

If you or a family member has allergies, synthetic fabrics are the way to go. Ultra suede and micro suede fabrics feel lush and soft. It has a thin pile, so it doesn’t collect dust like thicker weaves do. They are also durable, versatile, and available in every color imaginable.

I read this article at: https://www.decoraid.com/dos-and-donts-for-buying-furniture-on-a-budget/

https://www.decoraid.com/dos-and-donts-for-buying-furniture-on-a-budget/#sthash.dQ3DVmBZ.dpuf

Remember to follow our Blog at: https://therealestatebeat.wordpress.com/

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

Email Sabrina & Susan at: Info@TheCatonTeam.com

Call us at: 650-568-5522

Want Real Estate Info on the Go? Download our FREE Real Estate App:  http://thecatonteam.com/mobileapp

Visit our Website at:   http://thecatonteam.com/

VISIT OUR INSTAGRAM PAGE: http://instagram.com/thecatonteam

Visit us on Facebook:   http://www.facebook.com/pages/Sabrina-Susan-The-Caton-Team-Realtors/294970377834

Yelp us at: http://www.yelp.com/biz/the-caton-team-realtors-sabrina-caton-and-susan-caton-redwood-city

Or Yelp me: http://www.yelp.com/user_details_thanx?userid=gpbsls-_RLpPiE9bv3Zygw

Connect with us professionally at LinkedIn: http://www.linkedin.com/profile/view?id=6588013&trk=tab_pro

Please enjoy my personal journey through homeownership at:

http://ajourneythroughhomeownership.wordpress.com

Thanks for reading – Sabrina

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

Berkshire Hathaway HomeServices – Drysdale Properties

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

 

 

Want to Learn About Investing? Ask Questions Like a 5-Year-Old

I don’t know about you folks – but with the price of real estate around here – my mind is all about investing – to raise some capital in order to invest in more real estate. I am blessed with a wonderful team of financial advisors, but I too enjoy combing the net to find new insights. I came across this article, written by the founder of GoldBean. Enjoy…

 

Want to Learn About Investing? Ask Questions Like a 5-Year-Old

For most people, the topic of money brings out many emotions — including confusion. Because of this, it can be difficult to learn about investing, and finding out how to grow your money can seem overwhelming.

At an event last week, I co-presented on this same topic, and want to share some thoughts around “talking about money” here.

Although reading up on a financial topic is a great place to start, there is nothing like getting out there in the real world and asking a lot of questions. This, I believe, is where the real learning happens. Asking questions, and asking them confidently, is the first step toward  financial empowerment.

These questions don’t have to be too involved and studied either. In fact, I suggest you channel your inner 5-year-old and come up with some of the simplest questions. Believe it or not, these often are the hardest.

As you get responses, you should be following up with phrases like Why? What? How much? and How? until you really understand what is being discussed.

For example, let’s say you’re at a picnic, and you find yourself talking to someone who seems like they know about investing.

First, you should find out who they are by asking, “Are you an investor?” If the person responds, “Yes,” you should follow up by asking, “Do you invest for yourself or do you work in finance and invest other people’s money?”

Once you have this info, you can ask for their point of view, such as, “I’m interested in learning about investing and getting started — what would you do if you were starting out on your investment journey today?”

My guess is that the person, regardless if they are a professional investor, self-directed investor, or work with an advisor, will give probably a very safe answer, like, “Look for low-fee ETFs that track the overall market.”

Now comes the critical part of your conversation. Don’t end it there by saying “OK, thanks,” and then go and quietly Google “What’s an ETF?”

Just like a 5-year-old, you should keep the questions coming no matter how basic they may be. In this same example, ask them, “Why an ETF?” And if that doesn’t answer the question, ask, “What exactly is an ETF? How much are they? How do I buy one?” And ask, “Can I lose money if the market goes down with this approach?” (Which, by the way, the answer is yes.)

Asking questions can also be great for unlocking opportunities. Imagine if you’d asked simple questions in the early days of companies like Apple,  Amazon, Netflix, or Google? If you are in your thirties or older, you probably remember using each one of these for the first time and having your mind blown by their innovations. Imagine if you’d asked, “Is this a public company?” “Can I buy shares in it?”

Simple questions aren’t just for learning. If you already have an investment advisor, or someone who manages your money for you, your most critical job is to be empowered to ask the tough questions. After all, it’s your money! So go ahead and ask without a hint of hesitation or embarrassment. For example:

Question #1: How well has my portfolio done vs. the market? (Also ask which benchmark they are using to determine “the market”.)

Question #2: Does my return include or exclude your fees? How much did I make after you took your fee?

Question #3: How much in total am I paying you?

Getting clear answers to these questions every year will show you the true value over time of having an advisor. If you get fuzzy answers, that’s a red flag! Channel your inner 5-year-old and keep on asking.

Also consider that the market is experiencing the longest bull run in history as well. So, if there is a downturn (or the more opaque term, “market correction”), remember that great opportunities exist during downturns if you can buy when everyone else is panicking. If you’re concerned, ask this question of the experts you come across: “If prices went down significantly, what would you do?” Prepare ahead of time and get familiar with how investing works so you can be ready for when the New York Stock Exchange becomes an outlet mall.

Sure, there are many more questions that need to be asked about investments — specifically around your risk, fees, expected returns, and timeframes — but those will come with time.

Like many things in life, keeping it simple and sticking to the basics is the best way to begin learning. So take a deep breath, and just ask.

Jane Barratt is a member of the DailyWorth Connect program.

I read this article at: https://www.dailyworth.com/posts/3602-to-learn-about-investing-ask-questions-like-a-5-year-old-barratt

Remember to follow our Blog at: https://therealestatebeat.wordpress.com/

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

Email Sabrina & Susan at: Info@TheCatonTeam.com

Call us at: 650-568-5522

Want Real Estate Info on the Go? Download our FREE Real Estate App:  http://thecatonteam.com/mobileapp

Visit our Website at:   http://thecatonteam.com/

VISIT OUR INSTAGRAM PAGE: http://instagram.com/thecatonteam

Visit us on Facebook:   http://www.facebook.com/pages/Sabrina-Susan-The-Caton-Team-Realtors/294970377834

Yelp us at: http://www.yelp.com/biz/the-caton-team-realtors-sabrina-caton-and-susan-caton-redwood-city

Or Yelp me: http://www.yelp.com/user_details_thanx?userid=gpbsls-_RLpPiE9bv3Zygw

Connect with us professionally at LinkedIn: http://www.linkedin.com/profile/view?id=6588013&trk=tab_pro

Please enjoy my personal journey through homeownership at:

http://ajourneythroughhomeownership.wordpress.com

Thanks for reading – Sabrina

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

Berkshire Hathaway HomeServices – Drysdale Properties

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