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®.
zipForm® features easy-to-use navigation that lets you move quickly through documents and transactionszipForm® Plus zipForm® Standard zipCRM™
Simplify the transaction with secure electronic signatures.
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.
Access many additional forms libraries available to you within your zipForm® account
Manage all of your REALTOR® agent accounts, transactions and forms effortlessly and efficientlyzipForm® Plus for Multiple Users
C.A.R. Training Center is a members one stop shop for all products sectioned off by member types. i.e New Members, Advanced Members, Returning members and Member specialist.
Order affiliated services easily without leaving your zipForm® account with the fully integrated Service Providers
Get answers to your zip-Related questions with user guides, FAQs, videos and more.
zipLogix™ has been sold to Lone Wolf Technologies. This historic move keeps REALTORS® at the center of the transaction.Member announcement Frequently Asked Questions zipLogix Acquisition News Release Contact Info
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
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.
The REALTOR® Badge is a personalized widget that verifies your status and displays your REALTOR® information from NRDS, including office and designation information.
Q: Where do I go to get legal questions answered? A: Easy, look to the right!
Legal articles, many in question and answer format, are currently available on over 150 subjects in 50-plus categories.All Legal Q&As 2019 Q&A Revisions 2019 Q&As 2018 Q&A Revisions 2018 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!
5 charts show REALTORS ® what needs to be disclosed and to whom in various sales and lease scenarios.Lease/Rental Chart Sales Disclosure Chart
Need help on a legal issue? First, pick one of the topics below. Then take a peek at the top three issues. Still not sure? Check out the “Basics” section and the Q&A articles. For a deep dive into the details on your legal issue, watch a FREE, pre-recorded, 60-minute webinar.
Short, helpful, 1-page articles, summaries, PowerPoint presentations, and videos for Brokers, Agents, and Consumers.
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.
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!
Request a call using our online form or by speaking with an intake coordinator.
Your lifeline to the lending community formerly known as the Finance Helpline. Find contacts and answers to all mortgage related questions, and problems that arise in your real estate transaction. Get assistance today!Lending Resources Financial Literacy Financial Literacy - STEPS Riverside
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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.
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Browse our courses by topic to find the training you need to build up your real estate business.
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
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Browse through the many courses we offer - listed in alphabetical order.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
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The main Business Meetings page includes important links for Directors and Committee Members.Tentative Program Committee Selection Meeting Registration
A new, all about connections and interactions, California REALTOR® event.
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.ClientDIRECT® Infographics One Cool Thing Tax Reform One Sheets
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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
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View the latest sales and price numbers. Find out where sales will be in upcoming months.Current Sales & Price Statistics Housing Affordability Index - Traditional Pending Home Sales Index Historical Housing Data
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Gain insights on California's housing market through interactive dashboards. Select your metrics and see where the data takes you.City Market Report County Market Report Listings Luxury Market Market Stats by County Home Price Fundamentals
From outreaches to webinars, the Research and Economics team is sharing their insight on the market and the economy.
Californians are surveyed annually to gain insights on the housing market from their persepective.
Get a roundup of weekly economic and market news that matters to real estate and your business.
You’ve gone pro! So here are guidelines about MLS rules and professional standards.
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.
California Model MLS Rules, Issues Briefing Papers, and other articles and materials related to MLS policy.
These volunteer training courses are for members who will be part of Board of Directors, grievance committees and hearing panels at local associations.
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®.
The California Professional Standards Reference Manual, Local Association Forms, Interboard Arbitration Rules, and other materials related to Code of Ethics enforcement and arbitration.
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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
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®.Legal News 2019 Laws 2018 Laws 2017 Laws
Important industry cases, resources and informationImportant California and Federal real estate related cases Small Claims Court
Current legal developoments, C.A.R. legal products and services.Californians for Homeownership Realegal® Member Legal Services Attorney Access Form
Represent! Join C.A.R. in our community and foundation programs.
Programs and grants to provide direct assistance to address the housing crisis in California.Make A Donation 2019 HAF Golf Tournament Bette Dobkin HAF Advocate Award
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 Wildfire Resources
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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!Next Deadline - August 26th
Scholarships for California students planning to pursue a career in real estate.
Grants for California REALTORS® and residents pursuing real estate education.
Diversity and Inclusion.International Real Estate Real Estate Organizations Fair Housing Act: 50th Anniversary 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 new member of C.A.R. you have questions about your benefits and discounts. Find the answers here.Member FAQs
C.A.R.'s annual consumer advertising campaign creates awareness of the REALTOR® brand and demonstrates the many benefits of the consumer-REALTOR® relationship.Who's Your REALTOR®?
This is so us...who we are and what we do.
Meet the 2019 C.A.R. Leadership Team
C.A.R. is a statewide trade association dedicated to the advancement of professionalism in real estate.Annual Report
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Housing/Real Estate Market
CAR modestly upgrades forecast: Leslie Appleton-Young delivered her mid-year forecast update last week, which projects slightly better sales and faster price growth than was originally forecasted late last year. Ongoing improvements in the economy coupled with rates that have fallen to a 3-year low have helped to improve the housing outlook in California this year.
FHA Mortgage Insurance Bill clears House: The U.S. House of Representatives has passed a bill that would enable first-time homebuyers to receive a discount on upfront mortgage insurance premiums as long as they have completed a counseling program aimed at sustainable homeownership practices. The bill still needs to pass the Senate and be signed into law by the President.
Consumer price index rose 0.1% in June: Americans paid more for rent, clothes and autos in June, but falling energy prices helped offset inflation. The cost of living over the past 12 months slipped to four-month low 1.6% form 1.8% and overall inflation has in 2019 has remained at or under 2%, which is below the Fed’s target.
Consumer credit expands at solid pace for the second straight month: The U.S. consumer borrowing rose to $17.1 billion in May, which represented an almost identical gain to the prior month and a 5% annual growth rate. Consumer spending and consumer credit seem to be last ray of hope for the economy showing healthy growth in a strong but weakening economy.
Consumer upbeat about the labor market and their financial situation: The New York Fed’s survey measuring consumers’ expectations found that consumers overall seem to be pretty optimistic about the future. For the most part consumers reported to have positive outlook on their financial situation with an improving unemployment rate and a relatively low inflation rate.
Small business optimism slips in June, as tariffs uncertainty rises: The index of small-business optimism declined 1.7 points to 103.3 in June. Six of the 10 index components fell, three improved and one stayed the same. While overall confidence remains somewhat high, business owners’ plans to increase employment and to spend on capital both decreased, as did expectations of higher sales likely due to the rising trade tensions and rising costs.
Producer price index rose modestly in June: Similarly to CPI, the PPI also grew by a 1/10 of a percentage point indicating that inflation in the supply side of the economy also remains under wraps. Moreover, wholesale inflation over the past year decreased to 1.7%, which marked the lowest level in more than two years.
U.S. companies added more jobs in May, but at a much lower rate than last year: While job openings dip to 7.32 million in May, they remain near a record high even as hiring slowed down as a result of a softening economy. Nevertheless, the 72,000 jobs added in May marked the 15th straight month that job openings outnumbered the unemployed workers, suggesting that hiring is unlikely to slow dramatically even though the economy has softened.
Jobless claims dropped to a 3-month low: The number of people who applied for unemployment benefits fell 13,000 to 209,000. A decline that might have been exaggerated by the inability to claim for benefits through the 4th of July holiday, but nevertheless marked the lowest level in more than three months. The more stable monthly average of new claims also showed a decline which still reflects the strongest labor market in decades.
U.S. Federal budget widens to $747 billion for fiscal YTD: Even though the U.S. government ran an $8 billion budget deficit in June, which was narrower by nearly 90% less than it was in June of last year, the nation’s budget deficit widened YTD. For the current fiscal year, the government reported a 7% increase in spending and only 3% in receipts.
Real Estate Finance
Mortgage rates remain flat: The 30-year fixed-rate mortgage (FRM) averaged was unchanged from a week prior and remained at 3.75%. The FRM is ¾ of a percentage point lower than it was this same time last year and it’s nearly its 3-year low.
Mortgage applications decreased even after adjusting for seasonality: According to MBA, mortgage application decreased 2.4% from a week earlier on a seasonally adjusted basis as a result of the 4th of July holiday. The refinance index decreased 7% from the week prior and the share of refinance applications decreased below half to 48.7%. Meanwhile new home purchase mortgage application for the month of June increased 17.9% on a year-over-year basis, suggesting a growing demand for new construction homes.
U.S. mortgage delinquency is at the lowest in 20+ years: The 30 days or more delinquency rate for April 2019 was 3.6%, which is down form 4.3% a year ago and represents a 0.7% year-over-year decline. The 0.4% foreclosure inventory rate also indicated a decline of 0.1%, when compared to the same time last year.
Past Market Minutes
July 8, 2019 - Prices continue to grow, sectors in the economy show cracks and rates remain low
July 1, 2019 - Prices flatline, consumer confidence takes a hit, and rates continue to fall
June 24, 2019 - California May home sales perk up, nationwide sales rise, and rate stabilize
June 17, 2019 - Slow price growth, labor market still quite strong, steady rates
June 10, 2019 - Mortgage rates down, home price appreciation, homeownership attitudes uptick
June 3, 2019 - Weak home-price gains, falling sales, Americans cut back on spending, and mortgage applications decreasing
May 28, 2019 - Decline in sales, manufacturing growth slump, mortgage applications jump
May 20,2019 - California's housing market, although not surging ahead, is looking much less scary than it did during Q1
May 13, 2019 - Slow but upward trending price growth, widening trade deficit, mortgage applications slightly up
May 6, 2019 - Low home price appreciation, weak income growth, dropping mortgage rates
April 29, 2019 - Existing and new home sales, economic growth, rates up, mortgage applications down
April 22, 2019 - Moderate CA sales and price, slow start for spring building, rising rates
April 15, 2019 - Optimistic homebuyers, new home purchase applications, mortgage rates
February 11, 2019 - Over-asking-price home sales, consumer credit, trade deficit, mortgage application
February 4, 2019 - Residential construction, Feds Funds Rate, new home sales
January 22, 2019 - Home sales, consumer sentiment, and mortgage rates
January 14, 2019 - Home prices, job growth, interest rates
December 24, 2018 - Home sales, builder sentiment, stock market volatility
December 17, 2018 - Delinquencies and foreclosures, job reports, inflation
December 10, 2018 - Construction spending, unemployment, mortgage applications
December 3, 2018 - Loan limits, national pending, gross domestic product, home delinquencies
October 29, 2018 - National pending, gross domestic product, mortgage applications
October 15, 2018 - Construction spending, stock market, mortgage applications
October 1, 2018 - Revised permits, Chicago's fed, mortgage applications
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