CALIFORNIA ASSOCIATION OF REALTORS®

CALIFORNIA ASSOCIATION OF REALTORS® The CALIFORNIA ASSOCIATION OF REALTORS® is a trade association representing 190,000 REALTORS® statewide. C.A.R. members.

C.A.R.’s page is an online community for members to discuss the real estate industry. encourages comments and participation on our page, and we will do our best to address questions from C.A.R. However, there are certain kinds of questions and comments which C.A.R. believes are inappropriate for this forum. The following types of comments will be deleted by our moderators:
• Comments pitc

hing or selling particular products or services. We consider this forum to be a “no pitch zone.”
• Comments addressing specific real estate transactions or REALTORS®. members should call our Legal Hotline to speak with an attorney to discuss these topics. Consumers who wish to obtain more information about real estate matters should check with the California Department of Real Estate.
• Comments which include profane, racist, or otherwise inappropriate language. may also choose to ban users from this forum who post any of the above types of prohibited comments. By establishing these basic guidelines, C.A.R. seeks to ensure that this forum remains pleasant and useful for the benefit of our members.

Election years can bring uncertainty, but they don’t automatically make mortgage rates go up or down. Rates are usually ...
09/08/2026

Election years can bring uncertainty, but they don’t automatically make mortgage rates go up or down. Rates are usually shaped by inflation, Federal Reserve policy, investor confidence and the broader economy.

If you’re thinking about buying, focus on your budget, your monthly payment and your local market — and talk with a REALTOR® and lender to learn the best options for your personal financial situation.

For more insights on how election years impact housing, visit our new issue of CCRE’s Consumer Trends and Insights at ccre.us/consumer-trends-insights.

Your Association is focused on fighting for homeownership in the November elections. Proposition 37 would establish a do...
09/08/2026

Your Association is focused on fighting for homeownership in the November elections. Proposition 37 would establish a down payment assistance program to help eligible middle-income Californians purchase newly constructed homes. For families who cannot clear the down payment hurdle, Proposition 37 can be the difference between renting and owning.

Your C.A.R. Leadership Team will lead a one-hour town hall for members on September 15 to make sure you are fully up to date on how this proposition can impact your clients.

C.A.R. members can sign up at https://www.car.org/advocacy/prop37 .

September is REALTOR® Safety Month, and that includes cybersafety. Phishing scams targeting real estate professionals ar...
09/04/2026

September is REALTOR® Safety Month, and that includes cybersafety. Phishing scams targeting real estate professionals are on the rise, and cybercriminals are becoming more sophisticated in their attempts to access sensitive information and divert transaction funds. Taking a few simple precautions can help protect your business, your clients, and your transactions.

Learn the warning signs, strengthen your cybersecurity habits, and stay alert to suspicious inquiries.

Read more about phishing scams and find links to helpful resources to prevent and recover from them at https://tinyurl.com/j46aut6n.

09/04/2026

The 30-year fixed-rate mortgage averaged 6.71% this week, up from 6.66% last week. A year ago at this time, it averaged 6.50%.

Inflation continues to play a major role in the direction of the economy and housing market. Because inflation affects interest rates, consumer confidence, and housing demand, the Federal Reserve’s focus on price stability remains important. Many consumers are also still feeling the impact of higher costs for essentials like gas and food, which can influence how quickly borrowing costs ease. Higher mortgage rates have slowed new home sales, but strong homeowner equity continues to help keep foreclosure activity contained. Overall, the market is balancing near-term challenges with signs of stability, and the next few months will likely depend on whether inflation shows meaningful improvement.

Los Angeles County has filed a lawsuit against State Farm, alleging delayed responses to Eaton and Palisades wildfire in...
09/03/2026

Los Angeles County has filed a lawsuit against State Farm, alleging delayed responses to Eaton and Palisades wildfire insurance claims. County officials say some survivors are still waiting for payments, adjuster visits or claim resolution as they work to rebuild and cover living expenses.

For homeowners, this is a reminder to document damage, keep detailed records and stay in contact with your insurer. For REALTORS®, it’s another important issue to watch as communities continue recovering from the fires. Visit C.A.R.’s Insurance Hub for up-to-date consumer and member resources on homeowners insurance at www.car.org/insurance.

To read more about the lawsuit, visit on.car.org/4iJ1ZHS.

Credit scores are holding steady, but affordability pressures are not being felt equally.For many prospective buyers, mo...
09/01/2026

Credit scores are holding steady, but affordability pressures are not being felt equally.

For many prospective buyers, monthly payment capacity is becoming a bigger obstacle than creditworthiness. Looking at income, debt and total housing expenses can provide a more realistic picture of readiness to buy.

A REALTOR® and trusted lender can help buyers understand their options and plan their next steps. If you’re embarking on the homebuying process, make sure to speak to a lender as soon as possible to best understand your budget and buying power.

Read more about FICO Scores and mortgage affordability at on.car.org/4y7EjBt and check out C.A.R.’s Down Payment Resource Directory at on.car.org/4xxpus0

Is today’s home buying market truly unlike anything we’ve seen before? A recent Los Angeles Times article looks at how S...
08/28/2026

Is today’s home buying market truly unlike anything we’ve seen before? A recent Los Angeles Times article looks at how Southern California buyers have changed since 2005 — from age and income to down payments and purchasing power.

C.A.R. President Tamara Suminski was interviewed for the story, noting that today’s buyers are entering the market later, saving longer and navigating higher barriers to homeownership. While affordability remains a real challenge, the article also points to a more financially prepared buyer pool than in past housing cycles. For REALTORS® and home buyers, it’s a reminder that timing, preparation and local market guidance all matter when deciding your next move.

Read the LA Times article at on.car.org/4izevtv.

08/28/2026

The 30-year fixed-rate mortgage remained stable this week at 6.66%, up from an average of 6.65% last week. A year ago at this time, the 30-year FRM averaged 6.56%.

The housing market continues to face challenges, but there are signs that conditions could improve this year. Obstacles include higher interest rates, slower household growth, and lingering economic uncertainty, which affect both home buying and renting.

The good news? More housing supply could be surfacing in the months ahead. While new home construction dropped in July, building permits were up from a year ago. That suggests builders are still planning for the future and could be ready to ramp up construction when conditions improve.

C.A.R. CEO Phil Hawkins and President-Elect Mark Peterson are representing California REALTORS® at the NAR Leadership Su...
08/26/2026

C.A.R. CEO Phil Hawkins and President-Elect Mark Peterson are representing California REALTORS® at the NAR Leadership Summit, collaborating with industry leaders from across the country and exploring new ways to strengthen leadership, elevate member value, and advocate for REALTORS® and the clients they serve.

The first five feet around a home – aka “Zone Zero” - can play an important role in wildfire safety. Research and fire s...
08/26/2026

The first five feet around a home – aka “Zone Zero” - can play an important role in wildfire safety. Research and fire science show that reducing combustible materials closest to a structure can reduce ignition risk and improve a home's chances of surviving a wildfire.

California’s Board of Forestry approved new Zone Zero rules on August 19, 2026, but the regulations must still complete the formal rulemaking process. The Board has indicated that they could be effective as early as mid-September.

The rules establish vegetation and combustible-material requirements within the first five feet of structures in certain fire-prone areas. Owners of existing single-family homes will not have to comply with all the requirements at once; they will have up to five years to complete required changes under the phased implementation schedule.

Visit https://on.car.org/3UTlNOU for a full summary of the drafted regulations.

Address

915 L Street, #1460
Sacramento, CA
95814

Opening Hours

Monday 8:30am - 5pm
Tuesday 8:30am - 5pm
Wednesday 8:30am - 5pm
Thursday 8:30am - 5pm
Friday 8:30am - 5pm

Telephone

+12137398200

Website

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