Time to bring it home. Find zipForm®, transaction tools, and all the closing resources you'll need. Except for the champagne — that's on you.
Time to bring it home. Complete transactions and contracts electronically through zipForm®.
Realtor® Secure Transaction is your place to discover, access and master the essential tools for a modern, efficient and secure transaction.
Transaction management and forms software with all the must-have features, including current statewide contracts, local forms, and more.Transaction Products zipForm® Edition Service Providers Forms Libraries Transactions, zipForm® Edition Support
Free advice to help you understand the form you're using with Forms Tutor® and identify which form you need for your transaction with Forms Advisor™
C.A.R. Standard Forms are developed by the C.A.R. Legal Department which gathers input from real estate professionals and attorneys to create user-friendly, comprehensive, and dependable forms.
C.A.R. now offers a list of Certified Home Inspectors for our REALTORS® members. Participants of this program have completed certain background and education requirements. Click Here to see the program details and a directory of Certified Home Inspectors.
Advice, Support and materials to improve your transactions.Transaction Tools Support Register for FREE Training Webinars
We're here to help, people! Business products and tools to empower REALTORS®.
Your one-stop-source for real estate products, forms, education, high-tech tools and more
Everything you need for a successful property management & leasing business
Download the latest C.A.R. mobile apps, including CARmojies & Stickers, C.A.R., Legal Hotline, CA REALTOR® EXPO, and zipForm Mobile.
Help potential buyers open the door to home-ownership by searching from over 400 available down payment assistance programs throughout California.
Q: Where do I go to get legal questions answered? A: Easy, look to the right!
Forms, guides and other legal materials that may be used due to the spread of the Covid-19 strain of the coronavirus.
Legal articles, many in question and answer format, are currently available on over 150 subjects in 50-plus categories.All Legal Q&As
Plain-English explanations for every paragraph in the RPA that you can send to your buyers and sellers. REALTORS® can use it too!
6 charts show REALTORS ® what needs to be disclosed and to whom in various sales and lease scenarios.Lease/Rental Chart Sales Disclosure Checklist Sales Disclosure Chart
Need help on a legal issue? First, pick one of the topics.
PowerPoint presentations, videos and flyers for Brokers, Agents, and Consumers.
Short, helpful, 1-page articles on key legal topics
C.A.R.’s Legal Live Webinars are online presentations conducted by C.A.R. attorneys on the first Tuesday of every month. Hear about legal developments and answers to common questions. Watch live or from a recorded post. Legal Live Webinars are offered as a free member benefit.
The Legal Matters Podcast is the official podcast of the California Association of REALTORS® Member Legal Services Department.
Help, I need backup! Whether it's legal or financial help you need, C.A.R.'s got your back with these resources.
If you're a member looking to resolve a minor dispute or communication issue with another REALTOR®, a C.A.R. ombudsman may be able to help!
C.A.R. REALTOR® volunteers are specifically trained and are available to answer questions from other members about the Code of Ethics, and can provide information and limited counseling concerning its proper interpretation.
Your lifeline to the lending community formerly known as the Finance Helpline and Mortgage Rescue™. Find contacts and answers to all mortgage related questions, and problems that arise in your real estate transaction. Get assistance today!Lending Resources
Looking for additional assistance? The Customer Contact Center is looking forward to serving you Monday through Friday between the hours of 8:30 a.m. and 4:45 p.m.
The C.A.R. Real Estate Mediation Center for Consumers has mediators available to assist buyers and sellers (as well as other parties to real estate transactions) in resolving their disputes.
Did you know that for zero dollars and zero cents, you can speak with an attorney about your transaction? If you don't believe us, check it out yourself.
We offer a wide array of real estate educational courses, certifications & designations in various formats.
Easily renew your real estate license with the FREE 45 hour online license renewal package from C.A.R.
Prepare to earn your real estate license with our online courses
Distinguish yourself by learning how to build a business that specializes in niche markets to nearly double your earning potential in various real estate sectors
Browse our class schedule to find when and where to take real estate courses.
Browse through the many courses we offer - listed in alphabetical order.Online Bundles
Stand out as a REALTOR® with in-depth technical knowledge on the fundamentals of real estate. GRI real estate professionals are sought after industry experts.Online Bundles
The REMS system allows brokers to deliver quality education to their agents and track their progress.
Complete your eight-hour NMLS license renewal requirement through our NMLS-approved provider, OnlineEd
Mark your calendars for our yearly meetings and events!
The main Business Meetings page includes important links for Directors and Committee Members.Tentative Program Meeting Registration
NAR meeting information and materials.
REimagine! Real Estate Conference & Expo is where learning takes center stage and where business solutions and connections are at the forefront of the real estate industry.REimagine! 2020 Session Archive
View C.A.R's upcoming and past virtual events.
Our comprehensive list of C.A.R. webinars you may attend free of charge.
Save the date for Legislative Day 2021! Tuesday, April 27 will be a day filled with talks from our Capitol's most dynamic political leaders and much, much more!
You're the brand! Use our marketing tools to tell your story.
A one-stop shop for tools and and resources to educate consumers about the intricacies of buying and selling a home and how a REALTOR® can help.Prop 19 Infographics One Cool Thing Tax Reform One Sheets Fire Insurance One Sheets
Explore and interact with the latest market statistics.County Housing Market Summaries County Market Updates Housing Perspective Market @ A Glance
Marketing tools from C.A.R.'s consumer advertising campaign
Got knowledge? All the info you need on California’s housing market, economy, and issues impacting the industry.
This information is designed for Real Estate Brokers and Office Managers to assist you in supporting your real estate business.
CCRE's mission is to advance industry knowledge and innovation with an emphasis on convening key experts and influence-makers.
Frequently Asked Questions about the Tax Cuts and Jobs Act
Be trendy -- stay current with our latest market forecasts and data analyses.
The latest market forecast and projection to what lays ahead..
View the latest sales and price numbers. Find out where sales will be in upcoming months.Current Sales & Price Statistics Housing Affordability Index - Traditional Historical Housing Data Annual Historical Data Summary
Your housing hub for market analysis, economic trends, and housing news.
Get a roundup of weekly economic and market news that matters to real estate and your business.
Gain insights through interactive dashboards and downloadable content.Buyer's Guide Housing Market Overview Market Update Videos All Shareable Reports All Interactive Dashboards
Catch up with the latest outreaches and webinars by the Research and Economics team.
Californians are surveyed annually to gain insights on the housing market from their persepective.
Stay connected with the latest releases by subscribing to the products and services that interest you.
You’ve gone pro! So here are guidelines about MLS rules and professional standards.
California Model MLS Rules, Issues Briefing Papers, and other articles and materials related to MLS policy.
Summaries and photos of California REALTORS® who violated the Code of Ethics and were disciplined with a fine, letter of reprimand, suspension, or expulsion.
An explanation of C.A.R.'s position on MLS consolidations in general and a statewide MLS in particular.
The most recent edition of the Code of Ethics and Standards of Practice of the National Association of REALTORS®.
These volunteer training courses are for members who will be part of Board of Directors, grievance committees and hearing panels at local associations.
The California Professional Standards Reference Manual, Local Association Forms, NAR materials and other materials related to Code of Ethics enforcement and arbitration.
Looking for information on how to file an interboard arbitration complaint? You've come to the right place! Find the rules, timeline and filing documents here.
All local associations/boards must designate and certify one person primarily responsible for administration of professional standards processes. Register for certification here.
Missed a training? Check here for previous Professional Standards webinars.
Find tools, tips and tricks for successful online hearings and mediation conferences here
C.A.R. is presenting a 4-day Mediator Training for REALTORS® via Zoom webinar. All REALTORS® are welcome to register.
This training course is for those who want to become certified as a professional standards trainer.
An industry that works together, thrives together. Participate in legislative advocacy as a C.A.R. member!
C.A.R. advocates for REALTOR® issues in Washington D.C., Sacramento and in city and county governments throughout California.
CREPAC, LCRC, IMPAC, ALF and the RAF comprise C.A.R.'s political fundraising arm.REALTOR® Action Fund
Learn how you can make a difference, by getting involved yourself or by passing along valuable information to your clients.
It's the Law -- C.A.R.'s legal eagles tell you what you need to know to stay out of trouble.
California Code of Ethics and Arbitration Rules and external link to JAMS Arbitration service.
Summaries of legislation and regulation effecting REALTORS® and updates on news relevant to REALTORS®.2021 New Laws 2020 New Laws 2019 Real Estate Clean Up Law Changes 2019 New Laws 2018 New Laws 2017 New Laws Legal News
Important industry cases, resources and informationImportant California and Federal real estate related cases Small Claims Court
Learn on-the-go! The Legal Matters Podcast gives you bite-size nuggets of power-packed legal information that will help you protect yourself and your clients. Join our attorneys for a “Legal Bedtime Story” or for the scoop on vital issues like the “Top 5 RPA Mistakes”.
Current legal developments, C.A.R. legal products and services.Californians for Homeownership Realegal® SB 800 Member Legal Services Attorney Access Form
Represent! Join C.A.R. in our community and foundation programs.
The importance of completing the census survey for REALTORS®.
Programs and grants to provide direct assistance to address the housing crisis in California.Make A Donation to HAF
The Rising Star Award program is a C.A.R. initiative designed to work with the brokerage community to recognize their up-and-coming agents.
C.A.R. stands ready to assist REALTORS® who have been impacted by wildfires through its Disaster Relief Fund and NAR's REALTORS® Relief Foundation.California Disaster Resources
Do you have an innovative idea(s) with regards to real estate? Submit your idea(s) for a chance to partner with C.A.R. and transform tomorrow's industry!
Scholarships for California students planning to pursue a career in real estate.
Grants for California REALTORS® and residents pursuing real estate education.
Find out more information on key diversity and inclusion programs and projects available.Fair Housing Latinx Professionals Network C.A.R. Women's Initiative
New to the industry? YPN is a network to sharpen your skills, heighten your leadership, and connect with fellow REALTORS®.
Adding REALTOR® next to your name is cool. What comes with that title is even cooler. Check out your benefits.
As a member of C.A.R., you receive more than 100 free and discounted benefits. Find out more about your member benefits here.C.A.R. Member Discounts NAR Member Discounts C.A.R. Insurance Products
As a new member of C.A.R. you have questions about your benefits and discounts. Find the answers here.Member FAQs
This is so us...who we are and what we do.
C.A.R. is a statewide trade association dedicated to the advancement of professionalism in real estate.Annual Report
Meet the 2021 C.A.R. Leadership Team
C.A.R.'s Media Center houses the Association's news releases, media guidelines, and logos.News Releases
Looking for additional assistance? The Customer Contact Center is looking forward to serving you Monday through Friday between the hours of 8:30 a.m. and 4:45 p.m.
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In the Golden State, the primary sources of home funding include downpayment loans and grants, mortgage credit certificates, sleeping seconds and bond-rate financing, In addition, many local, state and national housing assistance agencies offer programs to help first-time and low-income homebuyers obtain affordable housing. In fact, your REALTOR® can use Fannie Mae's Homebuyer Funds Finder to help you learn more about financing options that are available in your community.
Most federal programs carry similar stipulations for eligibility: You must not have held primary ownership in any property within the last three years and your household income must not exceed 80 percent of the U.S. Department of Housing and Urban Development's (HUD) median income level per region. Once you?ve selected a house, call the local housing authorities or ask your REALTOR® to contact the local Housing Department or Community Development Department to find out about homebuying assistance programs that are available in your area.
You also can research assistance options that may be offered through your employer. For example, some companies allow employees to borrow against their 401(k) or pension funds. Other employers, especially state and federal government municipalities, offer direct assistance as a company benefit. Or, if you're a veteran, you're eligible to take advantage of the assistance programs offered by the California Department of Veterans Affairs (Cal-Vet).
In addition to the federal programs available, many state agencies and individual cities offer financial-assistance programs for homebuyers. Here are a few options:
The California Housing Finance Agency
With a mission to "assist first-time homebuyers in achieving the dream of homeownership," the California Housing Finance Agency (CHFA) has been helping state residents obtain affordable housing since 1975. The Agency offers myriad programs targeting consumers' different needs. For example, if you're seeking a new construction loan or a resale loan in under-served counties, you may participate in the 100% Loan Program (CHAP). These loans include a standard 97-percent CHFA fixed-rate, 30-year mortgage and a 3-percent CHFA downpayment assistance second mortgage, also known as a sleeping second.
Through the California Homebuyer's Downpayment Assistance Program (CHDAP), buyers receive a deferred-payment junior loan for up to 3 percent of the purchase price. Intended to be used with a CHFA or other first mortgage, this junior loan allows the primary loan to be recognized as the senior lien.
CHFA's School Facility Fee Downpayment Assistance Program provides $108 million in downpayment assistance to homebuyers of newly constructed single-family homes. The program is split into three sub-programs: Economically Distressed Areas targets certain regions of the state in need of new construction; Maximum Sales Price $130,000 is available to all California homebuyers regardless of income, prior homeownership, or location; and the First-Time Homebuyers Program is for buyers whose income doesn't exceed the moderate level according to county and family size.
All of CHFA's grants can be combined with other conventional forms of assistance to help with various housing-related fees like closing costs and pre-paids.
First-time buyers face unique obstacles to homeownership. For many first-timers, the largest barrier to homeownership is the downpayment. Recognizing this, local governments and other organizations offer downpayment assistance loans.
For most downpayment assistance programs, available loans generally carry a low interest rate. As long as you reside in the home for 20 years without selling, transferring or refinancing the property, the loan will be forgiven. Many programs require that you apply for preliminary loan approval from a loan lender.
Mortgage Credit Certificates
You also have the option of increasing your income with a mortgage credit certificate (MCC). Low- and moderate-income homebuyers can obtain a tax credit for a specified percentage of their mortgage interest, which allows their take-home pay to be increased by reducing their federal income tax liability. The credit may be applied each year the recipient keeps the house as his or her principal residence with the original mortgage.
MCCs can be used with fixed-rate, 15- or 30-year Federal Housing Administration, VA and privately insured loans for single-family and condominium homes. However, bond-backed loans offered through agencies such as CHFA, the Southern California Home Financing Authority or Cal-Vet aren't eligible for use in conjunction with an MCC.
If you don't want to be tied to a house for 20 years, you may appreciate that an MCC requires only a three-year residence commitment. However, MCC recipients may be required to pay recapture tax if they sell their property within nine years of purchase at a gain and the household income has increased beyond MCC criteria.
First-time, low- or moderate-income homebuyers who haven't owned a home in three years may obtain a mortgage revenue bond (MRB). MRB loans are offered at 30-year low interest rates that vary depending upon the area. Bond qualifications stipulate that borrowers can't earn more than $72,680 for a family of three or more. Recipients must select a home in the county of the issuing agency.
Federal and state governments, local communities, and non-profit organizations offer homeownership assistance in the form of grants or gifts. These gifts don't have to be repaid as long as borrowers meet the individual program's requirements.
For example, the Housing Action Resource Trust(HART) is a non-profit housing and community development organization providing downpayment and other housing assistance. Through charitable contributions by builders, sellers and businesses, HART provides up to $15,000 of financial assistance' which is considered a gift with no obligation of repayment' to recipients. The gift may be used toward most transaction-associated fees, including debt and collections mandated by an underwriter to qualify for a mortgage.
To qualify for a HART grant, you must be eligible for a Federal Housing Authority loan and provide a downpayment of at least 1 percent of the purchase price. Although there are no income-level restrictions, participants must demonstrate need and complete a homeownership-education class. The program also requires a fee of $650 per home under $100,000 or $950 per home over $100,001, payable by the builder, lender or participant. If you pay the fee, that sum can be applied to your 1-percent downpayment. While HART's eligibility requirements are somewhat lenient by industry standards, there is a catch: The seller or builder must make a matching tax-deductible contribution to the organization.
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