Transaction Center
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.
Easily renew your real estate license with the FREE 45 hour online license renewal package from C.A.R.
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.
Classes by Topic Online Bundles Harassment Prevention CoursesComplete your eight-hour NMLS license renewal requirement through our NMLS-approved provider, OnlineEd
The main Business Meetings page includes important links for Directors and Committee Members. The next regularly scheduled C.A.R. Business Meeting takes place February 13-16, 2024 in Monterey.
Learn how to schedule a C.A.R. outreach speaker for your next event and access presentations from previous outreaches.
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.
Down Payment Resource Directory Infographics One Cool Thing Tax Reform One Sheets Fire InsuranceExplore and interact with the latest market statistics.
County Housing Market Summaries County Market Updates Market @ A GlanceThis 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.
From webinars to videos and podcasts to blogs, C.A.R. keeps you in the know.
Videos Webinars PodcastsC.A.R. publishes eight magazine issues and various newsletters throughout the year.
Newsletters California Real Estate MagazineCheck out the resources and timely information below to help run your brokerage and keep your finger on the pulse of the industry.
Industry Leader Town Halls are held via Zoom usually twice a month from 11:00a to 12:30p and provide an opportunity for brokers and key brokerage staff to meet virtually with C.A.R. Leadership, C.A.R. staff and brokers throughout the state to discuss the latest information impacting real estate brokerages and transactions. We have a rotating list of guest speakers providing updates on the latest issues including Transactional, Legal, Market and Legislative Issues.
Upcoming 2023 Town HallsDecember 1 | ||
January 12 January 26 February 9 February 23 March 15 March 29 April 12
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April 26 May 10 May 24 June 7 June 21 July 19 August 9
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August 23 September 6 September 20 October 11 October 25 November 15 December 6
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Industry Leader Town Halls are open to brokers, office managers, risk managers, and firm principals. To get the registration link and be added to our weekly Industry Leader newsletter, please sign up here. Sign up for our Industry Leader Newsletter and join us on our next town hall! Any further questions can be directed to [email protected].
Legal Update - Check out the new Legal Tools information summarizing key points of Burnett v. NAR.
C.A.R. issues new and revised forms every June and December. The week of December 18, C.A.R. will be releasing one new form and over 50 revised ones. On December 5, at 1:30 pm., join C.A.R. 's standard forms legal advisors Neil Kalin and Justin Murakawa as they discuss the changes most likely to impact your day-to-day real estate practice. They will also tell you where you can find out more information on the forms they are not able to cover in a 1-hour webinar. Be prepared so that when the form revisions are released, you can best represent your clients. Click here to register.
Legislative Update - 2024 Conforming and FHA Loan Limits Announced
On Tuesday, the Federal Housing Finance Agency (FHFA) and the U.S. Department of Housing and Urban Development (HUD) announced the 2024 loan limits for Fannie Mae, Freddie Mac and the FHA home loan program. The 2024 conforming loan limit will be $766,550, with high-cost areas’ loan limits as high as $1,149,825. The FHA’s loan limit “floor” is increasing to $498,257 (65 percent of the national conforming loan limit), however, the majority of California counties will have an FHA loan limit above this floor.
Loans under these limits qualify to be guaranteed or insured by Fannie Mae, Freddie Mac or the FHA. These mortgages will have larger credit boxes and lower interest rates compared to mortgages above the limits, known as “jumbo” loans. This allows for more homebuyers to qualify for these mortgages, opening up more homeownership opportunities.
You may look up your county’s FHA loan limit by clicking here. You may look up your county’s conforming loan limit here.
Key Read of the Week
Yesterday the FHA announced new 2024 loan limits in response to increased home prices across the county. Yesterday’s announcement should be welcome news for borrowers - particularly in high cost areas like California. Read the full press release from HUD here.
Mortgage rates have declined from the recent peak by more than 50 basis points (bps) and continued to improve in the past few weeks. While housing demand remained below the historical norm, mortgage applications have been rising in the past three weeks, which is an encouraging sign to the market. Since a home sale transaction typically takes 30 days to 60 days to close, sales could see a bounce back in December or January. Meanwhile, consumer spending remains resilient as we enter the holiday season, and the economy may take longer than previously anticipated to slow down. As such, while the Fed could be done with raising rates, it may not start cutting rates until the end of the first quarter when clear signs of economic weakening are observed. For more check out our Market Minute here. For our Weekly Sales Data Report - go here. For our Monthly Member Poll - go here.
C.A.R.’s interactive dashboards are calculators and data management tools allow users to gain insights by slicing and dicing different variables and dig deeper into local statistics that are more relevant to their markets.
C.A.R.’s Research and Economics team conducts a number of market data surveys that offer information on topics such as: consumer behavior, market trends, housing demographics, policy perspectives, REALTORS® profiles, and technology.
Market Minute Write-Up is a weekly one-page analysis that offers the most up-to-date information on the economy and the housing market. Combined with the weekly infographic, the 2-page report is downloadable, shareable, and can easily be used as part of the marketing materials for REALTORS®.
The semi-annual Housing Market Forecast report provides an outlook for the economy and the housing market. Use this report to predict where sales and prices are headed, to learn about potential headwinds in the future, and to help clients navigate through a challenging market environment.
Broker Education Courses
Learn the skills you need to run your business as well as understand the role and responsibilities of a broker. We've curated a list of C.A.R. Courses to help you and your brokerage! Friendly tip: sort columns or search content to find the info you need!
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Risk Managment | Minimize your risk | Minimize the chance of having a claim or lawsuit filed against you by following simple Risk Management steps and becoming educated in areas which cause the greatest incidence of claims. |
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All About Disclosure | Minimize your risk | Learn about the approximately 30 disclosure requirements typically seen in a residential 1-4 transaction to better serve your buyers and sellers along with protecting yourself from personal liability. |
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California Residential Purchase Agreement (RPA-CA) and Related Forms | Transaction Knowledge | Learn how to properly complete and use the RPA form step-by-step to better serve and protect yourself and your clients. |
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The New Broker's Benchmark: Prepare and Perform! | Running your business | New real estate brokers will discover methods and tools needed to run an organized business with confidence. |
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Management of Offices and Supervision of Licensed Activities | Minimize your risk | Gain an understanding of topics related to broker management and supervision including requirements set forth by the California DRE and liabilities for failure to properly supervise. |
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Team Management for Brokers | Running your business | Understand how to manage teams including how to oversee the basic types of teams, their culture and structure, and how to reduce risk and increase profit. |
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zipForm Plus Broker Edition | Transaction Knowledge | Learn how to use zipForm® Plus Broker Edition to establish policies, rules, procedures, and systems to review transaction files and supervise the activities of your salespersons. |
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California Human Resource Law for Brokers | Running your business | Learn about the difference between employees and independent contractors, situations that brokerages and teams may be subject to employment laws, interviewing and hiring processes, and other aspects of employment law that may apply to your office or employer-employee relationships. |
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Real Estate Investing Made Clear (PMC9) - ONLINE ANYTIME- C.A.R. Business Products | Transaction Knowledge | Increase your confidence when working with investor clients by learning more about real estate investment concepts such as cash flow, NOI, depreciation, the rate of return, income tax savings and much more. |
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Contract Law for Real Estate Professionals | Transaction Knowledge | Understand more about contracts -- including what constitutes a contract, how to write one, its importance in the transaction, and what to be aware of in the process. Learn more about aspects such as earnest money, financing, inspections, title and closing, and post-closing. |
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Certified Transaction Coordinator | Running your Business | Certified Transaction Coordinator (CTC) is a program consisting of several transaction management courses for all real estate licensees and unlicensed transaction coordinators who want to build and establish a successful transaction coordinator business. |
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Running your Business | Understand the role and responsibility of the brokers and how to utilize resources to gain a general working knowledge of the basic operations of their office. |
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Running your Business | Learn about the specific role of team leaders and what steps are needed to make your team more effective and profitable. | ||
Administrative Staffing: The Human Side of Human Resources - ONLINE ANYTIME |
Running your Business | Learn effective strategies for staffing your organization that will allow your business to run effectively. |