‘I Need to Report a Stolen House’

Oh My Goodness – are the words you’re going to utter when you read this.  What a debacle.  What an experience!  On a real estate note, The Caton Team always suggests taking out a title policy on your property  and obtaining the proper permits – in this case – to prove there was a … well go on and read it….

‘I Need to Report a Stolen House’

Homeowners in Madisonville, Texas, who reported the theft of their home to police on Friday got some good news: The structure has been located. But it’s too soon for them to relax yet.

On Friday, Jo and Lonnie Harrison, a couple from Houston reported the missing house to police after they went to their vacation home and discovered it was completely gone from their 10-acre property in Madisonville.

The Harrisons say the one-bedroom, one-bathroom prefab home was their vacation home that they purchased last year. The cabin has a green roof and wood siding.

The retired couple told ABC-13 that they purchased the home to escape the busy city life. They last visited the house in early November. But last Friday, when they returned, the entire house was gone.

An investigation by the Madison County Sheriff’s Department found that the building had been repossessed by a company in Temple, Texas, for nonpayment.

Sergeant Larry Shiver told ABC-13, “It was part of the deal, but the problem was it wasn’t specified in the writing. Yes, we feel sorry for them. That’s why we’re looking to find the house. They had belongings in the house. Plus, they put time and effort into the house.”

The couple says that when they arrived on Friday, the only traces of the home that were left were cinder blocks and pipes sticking out of the ground.

They reported the missing house to the Madison County Sheriff’s Department. Jo Harrison recalled telling police: “‘You know this is really going to sound strange, but I need to report a stolen house.’ They were like, ‘A house?’ I said yes. We have 10 acres and had a little cabin, and the cabin is gone. … We really would like to have our house back.”

Shiver said records don’t show the building listed on the property. He suggested anyone looking to purchase land visit their local tax assessor and run the transaction through a title company.

Source: “Mystery Solved: Police Find Couple’s Missing Vacation Home” and “‘I Need to Report a Stolen House!’: Houston Couple Wants Vacation Home Back,” ABC-13 (Feb. 6, 2018)

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

I read this article at: http://realtormag.realtor.org/daily-news/2018/02/07/i-need-report-stolen-house?tp=i-H43-Bb-1Yi-27VfQ-1p-EHi7-1c-27WWy-1svHsi&om_rid=31342700&Om_ntype=RMOdaily&om_mid=5996

Remember to follow our Blog for the local real estate beat, a pulse on the San Francisco Peninsula 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  Office: 650-365-9200

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Thanks for reading – Sabrina

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

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Photo originally painted by Gil Elvgren – not used with permission, found on internet – but totally too cute not to use… happy to remove if needed.

Information Deemed Reliable But Not Guaranteed

 

 

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5 Overlooked Dirt Spots Buyers Will Notice

IT’S SELLING SEASON!!!  If you’re thinking of selling your home give us a call – in the meantime …

5 Overlooked Dirt Spots Buyers Will Notice

Make sure your home sellers pay attention to several areas in a home that often go uncleaned but could stand out to potential buyers. Jan M. Dougherty, author of The Lost Art of House Cleaning: A Clean House Is a Happy Home, shared with HouseLogic several spots that homeowners are likely missing, including:

1. Light fixtures

Light fixtures can be a magnet for dust and dead bugs. Spritz and wipe them with a cleaning solution to get them shining again.

2. The body of the toilet

Dougherty recommends washing the porcelain thrones all over. Start with the top of the tank and spray all around—the lid, under the lid, the seat, the surrounding floor, and the walls behind the toilet, Dougherty recommends.

3. Drawer organizers

Use a handy vac or spray a rag with vinegar and wipe away any dirt or crumbs that have accumulated in drawers throughout the home.

4. Ice maker

Clean and sanitize the entire system periodically. Old ice can absorb food odors, Dougherty says. Pull out the ice bin, dump the ice, and wash the bin and ice maker with vinegar, Dougherty recommends. Be sure to wipe the ice maker with a dry rag to get rid of any remaining moisture before putting it back in place.

5. Appliance handles

“One night a week, I take the knobs off the stove, remove the dish and the grease screen from the [over-the-range] microwave, and take the bowl with utensils that sits next to my stove and put them all in the dishwasher,” Dougherty says. “Do this before bed and by the morning you’ve cleaned half your kitchen, yet touched nothing.”

Read about the other forgotten cleaning spots and how to clean them at HouseLogic.

Source: “‘Yikes!’ 7 Filthy Spots Everyone Sees But You,” HouseLogic (November 2017)

 

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

 

I read this article at: http://realtormag.realtor.org/daily-news/2017/12/01/5-overlooked-dirt-spots-buyers-will-notice?tp=i-H43-Bb-1Dd-1Nky7-1p-EHi7-1c-1NlB1-2C9oHy&om_rid=20438431&Om_ntype=RMOdaily&om_mid=4689

Remember to follow our Blog for the local real estate beat, a pulse on the San Francisco Peninsula 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  Office: 650-365-9200

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

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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

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

Property Tax Due

A friendly reminder on the property tax. You should have received your property tax bill by now. Most property taxes 2nd installment is due by April 10th  and will be delinquent after that.
The Caton Team –
A Family of Realtors

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

Remember to follow our Blog for the local real estate beat, a pulse on the San Francisco Peninsula 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  Office: 650-365-9200

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

HomeSnaphttp://www.homesnap.com/Sabrina-Caton

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

Visit our INSTAGRAM page:  http://instagram.com/thecatonteam

PINTREST: https://www.pinterest.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 LinkedInhttps://www.linkedin.com/in/sabrinawendtcaton

https://www.linkedin.com/in/susancatonrealtor

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

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

Information Deemed Reliable But Not Guaranteed

Non-Creepy Ways To Stalk A Future Home

Non-Creepy Ways To Stalk A Future Home

Home buyers and renters can turn up plenty of information about their new home with just a little digging online. Curbed.com offers a few tips on how home shoppers can scour the internet to discover more about a property’s history before making an offer:

Look closer at the online listings.

Plenty of sites—like realtor.com®—are available to help them search for properties. Many of these sites also track the property’s listing history. Buyers will be able to see how much it sold for in the past compared to its previous asking prices and how long it has lingered on the market. These sites also provide snapshots of year-over-year changes in property taxes. Streeteasy allows visitors to search apartment buildings to find out what other units are renting for in the building.

Google it.

Google the address to see what turns up. Remember to check the news tab, too.

Check for any permit violations.

Many local governments’ building departments offer an online database of building permits filed for renovations or changes to buildings. It’ll show which permits have been approved or issued. The building department also tracks violations against any properties. Sites like AddressReport may also be able to turn up such information. Plug in the address and the site reveals construction projects and any violations that have been issued against the property or complaints reported.

Monitor hyperlocal sites.

Neighbors can be a wealth of information, and many are talking online. Sites like NextDoor is a free forum for neighborhoods to talk about local events, real estate, crime, and more. Neighborhood groups are also increasingly popping up on Facebook. NeighborhoodScout provides a full report of the local real estate, demographics, school, crime, and home value trends of the area.

Make a bedbug check.

Apartment renters, particularly, may want to check out this registry. The Bedbug Registry is a crowdsourced database that provides reports of buildings that might be have bedbug infestations. The registry also lists places nearby that have had infestations.

Research the landlord.

New websites are popping up that review landlords, such as Rate My LandlordReview My Landlord and Whose Your Landlord. A building address will reveal any reviews posted from tenants.

Get more tips on useful sources at Curbed.com.

Source: “8 Ways to Scour the Internet to Learn About Your Prospective Home,” Curbed.com (Nov. 30, 2017)

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

I read this article at: http://realtormag.realtor.org/daily-news/2017/12/01/non-creepy-ways-stalk-future-home?tp=i-H43-Bb-1Dd-1Nky7-1p-EHi7-1c-1NlB1-2C9oHy&om_rid=20438431&Om_ntype=RMOdaily&om_mid=4689

Remember to follow our Blog for the local real estate beat, a pulse on the San Francisco Peninsula 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  Office: 650-365-9200

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

HomeSnaphttp://www.homesnap.com/Sabrina-Caton

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

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Twitterhttps://twitter.com/TheCatonTeam

Connect with us professionally at LinkedInhttps://www.linkedin.com/in/sabrinawendtcaton

https://www.linkedin.com/in/susancatonrealtor

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

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

Renters Are Getting Frustrated

Renters Are Getting Frustrated

The majority of renters say they want to own a home in the future and believe that homeownership is a critical piece of the American dream. But making the leap into homeownership is facing bigger hurdles as the market sees higher home prices and a shortage of homes for sale, according to the National Association of REALTORS®’ newly released Aspiring Home Buyers Profile, which is based on findings from a survey of more than 10,000 households’ attitudes about the real estate market.

Non-homeowners surveyed say the main reason why they do not currently own is because they are unable to afford homeownership. Swift price increases and a shortage of homes for sale in most of the country have shaken the confidence of non-owners as they consider buying. As such, the share of non-owners who say now is a good time to buy fell to 58 percent at the end of 2017, following a high of 62 percent in the third quarter of 2017.

“A tug of war continues to take place in many markets throughout the country, where consistently solid job creation is fueling demand, but the lack of supply is creating affordability constraints that are ultimately pulling aspiring buyers further away from owning,” says Lawrence Yun, NAR’s chief economist. “These extremely frustrating conditions continue to be most apparent at the lower end of the market, which is why the overall share of first-time buyers remains well below where it should be given the strength of the job market and economy.”

Still, non-homeowners’ desire to eventually buy is not waning. They say the following goals most make them want to buy in the future:

•Change in lifestyle, such as getting married, starting a family, or retiring

•Improvement in their financial situation

•Desire to settle down in one location

Until they do buy, non-homeowners expect to face increasing rents. Fifty-one percent of renters surveyed say they expect their rent to increase this year. However, only 15 percent of renters said the increase in rental costs would make them consider purchasing a home.

“Housing demand in 2018 will be fueled by more millennials finally deciding to marry and have kids and the expectations that solid job growth and the strengthening economy will push incomes higher,” Yun says. “However, with prices and mortgage rates also expected to increase, affordability pressures will persist. That is why it is critical for much of the country to start seeing a significant hike in new and existing housing supply. Otherwise, many would-be first-time buyers will be forced to continue renting and not reach their dream of being a homeowner.”

Source: National Association of REALTORS®

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

I read this article at: http://realtormag.realtor.org/daily-news/2018/02/07/renters-are-getting-frustrated?tp=i-H43-Bb-1Yi-27VfQ-1p-EHi7-1c-27WWy-1svHsi&om_rid=31342700&Om_ntype=RMOdaily&om_mid=5996

Remember to follow our Blog for the local real estate beat, a pulse on the San Francisco Peninsula 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  Office: 650-365-9200

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

HomeSnaphttp://www.homesnap.com/Sabrina-Caton

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

Visit our INSTAGRAM page:  http://instagram.com/thecatonteam

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

Twitterhttps://twitter.com/TheCatonTeam

Connect with us professionally at LinkedInhttps://www.linkedin.com/in/sabrinawendtcaton

https://www.linkedin.com/in/susancatonrealtor

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

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

Information Deemed Reliable But Not Guaranteed

Do Low Down Payments Make Mortgages More or Less Affordable

Do Low Down Payments Make Mortgages More or Less Affordable

File this question under “it depends.”

It’s true that loans with down payments of 20 percent or more cost borrowers less over time than low down payment loans. Low down payments leave larger principals to pay off, and those principals create more interest over time. Low down payment loans also require mortgage insurance.

However, a low down payment itself can actually boost affordability by getting you off the sidelines and into a home of your own sooner.

Let’s look at the numbers.

 

At current interest rates and based a median family income, you’d need about 22 percent of your income for monthly payment with a 20-percent-down mortgage and about 24 percent with a 3.5 percent down payment. And, should rates rise to 4.75 percent by the end of this year, a buyer putting 20 percent down would pay about 25 percent of his monthly income and a buyer using a low-down payment loan at 3.5 percent down payment would pay about 28 percent of the buyer’s monthly income.

While 20 percent isn’t necessary and isn’t even the average (7.6 percent), it will help reduce the monthly payment simply because your total mortgage loan is less than with a lower down payment. But, it’s important to evaluate the cost-benefit of a lower down payment.

Why low down payments help

Forgoing a low down payment today to save for a 20 percent down payment in the future changes the equation for first-time buyers. With home prices and rates on the rise in 2018,  affordability will likely worsen in the months ahead.

In fact, a recent survey by Apartment List found that it takes many millennials a decade or more to save enough to make a 20 percent down payment. By that time, the costs of waiting so long will outweigh the advantages of a larger down payment.

Since 2012, it has been cheaper to buy than rent in most markets and rents today are consuming an even larger share of monthly disposable income. By the end of this year, rates could rise as high as 4.75 percent, and prices are forecasted to continue to rise in 2018. Rising rates and prices will increase the cost of a 20 percent down payment for those who delay.

In the Barriers to Accessing Homeownership study released in November, analysts at the Urban Institute’s Housing Finance Policy Center concluded that “with rising home prices and interest rates, access to sustainable mortgage credit is often only possible with low–down payment loans.”

Evaluate your options

Don’t aim for a 20 percent down at all costs. Yes, it can help drive down your monthly payment, but you also want to ensure you have a strong financial cushion when you become a homeowner. And, if you wait too long, you may end up paying more with a higher interest rate and home prices.

Search for homebuyer programs available in your market and for your personal situation. You may find a program that can help with the down payment and/or closing costs.

Find a knowledgeable agent or lender who is eager to teach — you want someone who can help you evaluate all your options.

For more data and information on down payment trends from a variety of sources, subscribe to our monthly Down Payment Report.

I read this article at: https://downpaymentresource.com/low-payments-make-mortgages-less-affordable/

Remember to follow our Blog for the local real estate beat, a pulse on the San Francisco Peninsula 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  Office: 650-365-9200

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

HomeSnaphttp://www.homesnap.com/Sabrina-Caton

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

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

Twitterhttps://twitter.com/TheCatonTeam

Connect with us professionally at LinkedInhttps://www.linkedin.com/in/sabrinawendtcaton

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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

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

Burlingame…

Steps from the train.

Trousdale exit off 280 is the secret way home.

A Burlingame bungalow waiting to be called home.

Welcome to 1533 California Drive.  Available for Lease.

This cute 2 bedroom 1 bath home features a living room / dining room combo with gorgeous windows and slider to the patio and back yard.  Ready for your personal touch to turn this house into a home.  Cathedral ceilings, sweet kitchen with full-size oven range, refrigerator, disposal – did I mention dishwasher?  Did I mention WASHER AND DRYER in the one car garage?  Thought that would get your attention.  Lots of light, freshly painted inside and out, new carpet throughout.  No pets, no smoking.   Click below for further details and photos!  Contact us for private showing.

Call 650-568-5539

Email info@TheCatonTeam.com

http://thecatonteam.com/IDX/1533-California-Dr-Burlingame-CA-94010/2875203218/0004010

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

Remember to follow our Blog for the local real estate beat, a pulse on the San Francisco Peninsula 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  Office: 650-365-9200

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

HomeSnaphttp://www.homesnap.com/Sabrina-Caton

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

Visit our INSTAGRAM page:  http://instagram.com/thecatonteam

PINTREST: https://www.pinterest.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 LinkedInhttps://www.linkedin.com/in/sabrinawendtcaton

https://www.linkedin.com/in/susancatonrealtor

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

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

Information Deemed Reliable But Not Guaranteed