CCARToday - Contra Costa Association of REALTORS

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Senate Confirms Frank Cassidy for Federal Housing Role

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The United States Senate confirmed Frank Cassidy to serve as the Assistant Secretary for Housing and Federal Housing Commissioner at the Department of Housing and Urban Development (HUD). In this role, Cassidy will lead HUD’s Office of Housing and oversee the Federal Housing Administration’s (FHA) Single Family, Multifamily, and Healthcare mortgage insurance programs.

FHA supports a $1.9 trillion portfolio and holds a critical role in the nation’s housing finance system and healthcare infrastructure.

Prior to joining HUD, Cassidy built a distinguished career in major commercial mortgage banking and real-estate finance, advising developers, owners, and investors across the multifamily, senior housing, and healthcare sectors. For more than 15 years, he originated and closed billions of dollars in FHA, Fannie Mae, Freddie Mac, bridge, and balance-sheet financing.

Cassidy joined HUD in April 2025 as the Principal Deputy Assistant Secretary for HUD’s Office of Housing and FHA, where he carried out Secretary Turner’s directive to streamline processes, strengthen risk management, and improve how FHA serves its borrowers and private-sector partners.

Additional information about FHA is available at www.hud.gov/fha.
More Information >>

Weekly Jolt – 123025

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CONTRA COSTA ASSOCIATION OF REALTORS®
WEEKLY NEWSLETTER    |    DECEMBER 30, 2025
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Happy New Year! CCAR Offices Closed:
Wed. – Fri., Dec. 31 – Jan. 2

•  You’re Invited: 2026 Inaugural – Jan. 31
•  Senate Confirms Frank Cassidy for Federal Housing Role
•  CA Law: Required Sexual Harassment Training
•  WCR Board Installation – Jan. 9, 2026
•  Conquering Social Media & AI – Jan. 29
•  CCAR Annual Crab Feed – Save the Date: Mar. 6

•  MLS Rule Changes Effective Jan. 1
•  Don’t Miss the 2025 REALTOR® Store Winter Sale!
•  REALTOR® Member Health Insurance Open Enrollment
•  REALTOR® Optimized Laptops For Sale
LAPTOP DOC

New Construction: BuildersUpdate
Wed., Dec. 31  |  10:00am 11:00am

dotloop: Basic Training
Fri., Jan. 2  |  10:00am 11:00am

Realtor.com Profile Mastery!
Sun., Jan. 4  |  10:00am 11:00am

Transact: Create a Transaction
Mon., Jan. 5  |  7:00am 8:00am

Transactions: Intro to zipForm w/ CCAR
Mon., Jan. 5  |  2:00pm 4:00pm

CA Residential Purchase Agreement (RPA)
Tue., Jan. 6  |  9:00am 1:00pm

Welcome to RPR! Tools, Tips & Skills Every Agent Needs
Tue., Jan. 6  |  9:00am 10:00am

RealReports: Pulse
Wed., Jan. 7  |  10:00am 11:00am

Top 10 Social Media Strategies Influencers Love!
Wed., Jan. 7  |  10:00am 11:00am

Transact/zipForm: Explore Advanced Tools
Thu., Jan. 8  |  1:00pm 2:00pm

MLS: Intro to Paragon w/ CCAR
Thu., Jan. 8  |  2:00pm 4:00pm

Transact: Agent Templates
Fri., Jan. 9  |  7:00am 8:00am

Cloud CMA: How to Create a CMA
Mon., Jan. 12  |  10:00am 10:40am

Digital Signatures in Transact & zipForm
Tue., Jan. 13  |  11:00am 12:00pm

MLS: Intro to Listing Input w/ CCAR
Tue., Jan. 13  |  2:00pm 4:00pm

NAR’s Senior Real Estate Specialist (SRES) 2- Day Designation Course
Wed., Jan. 14  |  9:00am 4:00pm

CubiCasa 101: Learn to Create Quick & Easy Floorplans
Wed., Jan. 14  |  11:00am 12:00pm

Stop Chasing Buyers – Start Closing Rentals
Thu., Jan. 15  |  9:00am 10:00am

Transform Local Data Into Social Media Success w/ RPR ScriptWriter
Thu., Jan. 15  |  11:00am 12:00pm

DRE License Renewal Crash Course (Virtual)
Fri., Jan. 16  |  9:30am 12:30pm

 OnlineEd Offers CA Salespersons
A Fast Track to Becoming Brokers

California Salespersons now have a new path to becoming Brokers with OnlineEd’s fully interactive, online courses. These textbook-free courses are designed to be mobile-friendly and comprehensive, offering a convenient way to advance to a Broker Licensee.
REGISTER NOW >>

 Online Continuing Education

Visit the CCAR Calendar to view/register for additional online training opportunities.

Thank you for making CCAR your primary membership resource. Your success is our priority, and we are committed to providing you with the resources you need to achieve the highest levels of professionalism.

2026 CCAR, C.A.R., and NAR membership dues are now payable and must be submitted by 5pm on Jan. 6, 2026.

Your membership dues give you access to thousands of dollars in benefits and services, along with the political backing and collective buying power of one of the most influential professional trade associations in the United States.

Learn More About Your Member Benefits >>
Pay Membership Dues >>


The RAF supports political activities at the local, state, and national levels. It gives REALTORS® the financial resources needed to advocate for policies which protect property rights and REALTORS®​ ability to effectively conduct their business.

 






Contribute Today >>

+ CCAR CALENDAR

WCR Board Installation – January 9

The Women’s Council of REALTORS® welcomes members and guests to a meaningful evening dedicated to celebrating the people behind the progress. The night will honor WCR members, recognize inspiring leaders, and welcome incoming President QuyNitta McDade along with their 2026 Governing Board.

Guests will enjoy cocktails, dinner, music, and great company alongside REALTORS®, affiliates, and community leaders. More than an installation, the evening is a heartfelt celebration of leadership, growth, and the connections that make the Women’s Council of REALTORS® so powerful.
Purchase Tickets >>

Conquering Social Media & AI: Real Estate Strategies That Work! – January 29

Take your real estate marketing to the next level in this high-energy, one-hour virtual class packed with practical strategies you can put to work immediately.

Our rock-star coaches will show you how to generate quality referrals and repeat business, nurture client relationships, and effectively use platforms like Facebook, Instagram, LinkedIn, and X. You’ll also learn how to leverage ChatGPT and other leading AI tools, create impactful video content, and boost your visibility through SEO and blogging.

Fun, motivating, and results-driven—this is a session you won’t want to miss.
Register Here >>

Celebrate the Past Year and Welcome a New Year of Leadership: CCAR Inaugural – January 31

Join us for a very special evening at our annual Inaugural Dinner and Award Celebration on Saturday, January 31, 2026, at Round Hill Country Club in Alamo.

We’ll recognize this year’s distinguished award recipients, install 2026 President John Fondnazio and our Board of Directors, and enjoy a night that brings our community together over great food and good company.

Come dressed to impress as we look back on a year of accomplishments and get ready for the exciting possibilities to come. Together, we’ll honor the people and partnerships that continue to strengthen our real estate community.

We hope you’ll join us for this meaningful evening of recognition and celebration!

PURCHASE TICKETS >>
SPONSORSHIP OPPORTUNITIES >>

Senate Confirms Frank Cassidy for Federal Housing Role

The United States Senate confirmed Frank Cassidy to serve as the Assistant Secretary for Housing and Federal Housing Commissioner at the Department of Housing and Urban Development (HUD). In this role, Cassidy will lead HUD’s Office of Housing and oversee the Federal Housing Administration’s (FHA) Single Family, Multifamily, and Healthcare mortgage insurance programs.

Cassidy joined HUD in April 2025 as the Principal Deputy Assistant Secretary for HUD’s Office of Housing and FHA, where he carried out Secretary Turner’s directive to streamline processes, strengthen risk management, and improve how FHA serves its borrowers and private-sector partners.

Read More >>

CA Law – Sexual Harassment Training Required Every 2 Years

Reminder: State law requires Designated Brokers to complete supervisory sexual harassment training and provide employees with access to training.

Additionally, salespeople, brokers, broker associates, and independent contractors are now personally liable for sexual harassment in professional relationships with clients—even if the relationship has ended.

Risk Management Tip:
The responsible broker and anyone supervising agents or employees—including those who hire, fire, reward, or discipline—should also complete supervisory training.

Read More >>

Don’t Miss the 2025 REALTOR® Store Winter Sale!

Now through Dec. 31, save up to 25% on select products to help you finish the year strong. From best-selling publications to revenue-boosting webinars, your REALTOR® Store has everything you need—at exclusive member pricing. Don’t wait, shop now!
Shop the Sale >>

REALTOR® Member Health Insurance
Open Enrollment

There’s still time to secure your 2026 health insurance, and RealCare is here to make the process simple and stress-free. Navigating the health insurance marketplace can feel overwhelming, but with RealCare’s expert guidance, you’ll have the support you need every step of the way. Open Enrollment runs from Nov. 1 to Jan. 31 for most coverage plans, and RealCare continues to offer access to two great options: Individual Plans and Covered CA.

Don’t wait—visit RealCare online or call 800.939.8088 (Option 2) to find the perfect plan for you today!

Laptop Doc

All laptops purchased from CCAR come with a 2-year warranty, data transfer, and RE setup included.
Reminder: Support for Windows 10 ended on Oct. 14, 2025.
  • Lenovo IdeaPad Slim 3 – $850.36 >>
  • LG Gram 17 – Ai Ready – $1,845.36  >>

CCAR Annual Crab Feed
Save the Date – March 6

MLS Rule Changes Effective January 1, 2026
New Law: AB 723 – Disclosure Required for
Digitally Altered Property Images

Effective January 1, 2026, California Assembly Bill 723 requires real estate professionals to clearly disclose when images used in advertising or listings have been digitally altered and to provide access to the original, unaltered images when those altered images are made public.

Two new sections will be added to the CCAR MLS Rules and Regulations Effective Jan. 1. 2026

  • 11.5.1 Definition of Digitally Altered Images – Defines digitally altered images as provided under California law.
  • 11.5.2 Digitally Altered Images – Explains how digitally altered images must be treated when inputted in the MLS.

How Does this Affect Photograph Requirements in the MLS?
To support compliance with California’s new law regarding digitally altered property images (AB 723), CCAR will be implementing a standardized approach within the MLS.

Going forward, when a digitally altered image is used in a listing:

  • The digitally altered image must be displayed first,
  • The original, unaltered image must immediately follow, and
  • The altered image must include a photo label clearly disclosing that the image has been digitally altered.

To add a photo label within the MLS, please follow the instructions below:

  • Go to ‘Maintain Listing’;
  • Go to the ‘Add/Edit Pictures’ module;
  • Add listing photos and select ‘Add Label’ for the digitally altered images;
  • Type into the ‘Label’ field that the photo is digitally altered (i.e. “altered,” “digitally altered,” “AI altered,” or some accurate substantially similar term).

This approach allows the MLS to clearly present both versions of the image while maintaining transparency for consumers and consistency for Participants and Subscribers.

CCAR MLS Rules & Regulations >>

CCAR ANNUAL SPONSORS

LeadHax logo/link

Weekly Jolt – 122325

by

CONTRA COSTA ASSOCIATION OF REALTORS®
WEEKLY NEWSLETTER    |    DECEMBER 23, 2025
Facebook Instagram Youtube

Happy Holidays! CCAR Offices Closed:
• Wed. – Fri., Dec. 24 – 26
• Wed. – Fri., Dec. 31 – Jan. 2

•  CCAR Member Benefits: Empowering You at Every Step
   of Your Career
•  You’re Invited: 2026 Inaugural – Jan. 31
•  Title Fraud on the Rise: What You Need to Know
•  CCAR Helping Hands Fund Supports Local Charities
   this Holiday Season
•  WCR Board Installation – Jan. 9, 2026

•  C.A.R. Releases New Standard Forms
•  Don’t Miss the 2025 REALTOR® Store Winter Sale!
•  REALTOR® Member Health Insurance Open Enrollment
•  REALTOR® Optimized Laptops For Sale
LAPTOP DOC

Transact: Create a Transaction
Mon., Dec. 29  |  7:00am 8:00am

Intro to RPR – Your 1-Stop Shop for Real Estate
Tue., Dec. 30  |  2:00pm – 4:00pm

Realtors: Grow Your Business w/ 1031 Exchanges
Tue., Dec. 30  |  3:00pm – 4:00pm

New Construction: BuildersUpdate
Wed., Dec. 31  |  10:00am – 11:00am

 OnlineEd Offers CA Salespersons
A Fast Track to Becoming Brokers

California Salespersons now have a new path to becoming Brokers with OnlineEd’s fully interactive, online courses. These textbook-free courses are designed to be mobile-friendly and comprehensive, offering a convenient way to advance to a Broker Licensee.
REGISTER NOW >>

 Online Continuing Education

Visit the CCAR Calendar to view/register for additional online training opportunities.

Thank you for making CCAR your primary membership resource. Your success is our priority, and we are committed to providing you with the resources you need to achieve the highest levels of professionalism.

2026 CCAR, C.A.R., and NAR membership dues are now payable and must be submitted by 5pm on Jan. 6, 2026.

Your membership dues give you access to thousands of dollars in benefits and services, along with the political backing and collective buying power of one of the most influential professional trade associations in the United States.

Learn More About Your Member Benefits >>
Pay Membership Dues >>


The RAF supports political activities at the local, state, and national levels. It gives REALTORS® the financial resources needed to advocate for policies which protect property rights and REALTORS®​ ability to effectively conduct their business.

 






Contribute Today >>

+ CCAR CALENDAR

CCAR Helping Hands Fund Supports Local Charities This Holiday Season

The CCAR Helping Hands Fund continues to make a meaningful impact in our local community, providing support to organizations that serve neighbors in need, especially during the holiday season.

This season, Helping Hands donated to three local nonprofits, including $2,000 to the Food Bank of Contra Costa and Solano, $1,000 to Monument Crisis Center, and $1,000 to White Pony Express. These contributions helped ensure families had access to nutritious food, holiday meals, and essential resources during a time when demand for assistance is especially high.

The Food Bank of Contra Costa and Solano shared that the donation helps strengthen the community’s critical safety net, particularly as many households face food insecurity and disruptions in benefits such as CalFresh. Monument Crisis Center expressed gratitude for the support, noting that the contribution helped bring smiles to clients receiving holiday food boxes and supports their mission of promoting stability, healthy living, and empowerment. White Pony Express similarly works to nourish vulnerable populations and strengthen the community through food rescue and distribution.

The Helping Hands Fund is made possible through the generosity of CCAR members, whose commitment to giving back helps uplift local nonprofits and the people they serve. These donations reflect CCAR’s ongoing dedication to supporting our community and making a positive difference beyond real estate.

Thank you to our members for helping CCAR extend a hand to those who need it most.

WCR Board Installation – January 9, 2026

Purchase Tickets >>

CCAR Member Benefits: Empowering You at Every Phase of Your Career

Whether you are launching into real estate, scaling your business, or navigating market shifts, CCAR membership empowers you with tools, advocacy, education, and community that gives you career-changing value, helping you not just survive, but thrive in one of the most dynamic professional landscapes.

Advocacy That Protects Your Business
CCAR membership gives you a powerful voice at the local, state, and national levels. Through CCAR, C.A.R., and NAR, your business interests, commissions, and property rights are actively protected. Advocacy isn’t abstract — it directly preserves your ability to do business profitably and ethically in a changing regulatory landscape.

Tools & Technology That Power Your Work
Membership delivers high-value tools that support your business every day — including MLS access, market analytics, and AI-driven insights. These technologies enhance efficiency, elevate client service, and give you a competitive edge, all at no additional cost beyond your dues.

Education That Keeps You Competitive
CCAR membership includes ongoing education designed to keep you informed, skilled, and market-ready. From foundational training to advanced certifications, these resources help you grow professionally while avoiding the high costs of comparable outside education.

Legal Support & Risk Protection
With access to C.A.R.’s Legal Hotline and risk management resources, you gain expert guidance when it matters most. This support helps prevent costly mistakes, protects transactions, and provides peace of mind in a legally complex profession.

Community, Connections & Credibility
Membership connects you to a trusted network of REALTORS®, industry partners, and local leaders. It also strengthens your professional reputation through the REALTOR® designation — a symbol of ethics, expertise, and consumer trust that sets you apart.

The Value Equation: More Than You Pay
When you compare the cost of membership to the value of tools, education, advocacy, legal support, and discounts included, the return is clear. CCAR membership delivers thousands of dollars in benefits annually, making it one of the smartest investments you can make in your business.

View the CCAR Member Benefits Booklet >>

An Evening of Recognition: CCAR’s Inaugural Dinner & Awards – January 31

Join us for a very special evening at our annual Inaugural Dinner and Award Celebration on Saturday, January 31, 2026, at Round Hill Country Club in Alamo.

We’ll recognize this year’s distinguished award recipients, install 2026 President John Fondnazio and our Board of Directors, and enjoy a night that brings our community together over great food and good company.

Come dressed to impress as we look back on a year of accomplishments and get ready for the exciting possibilities to come. Together, we’ll honor the people and partnerships that continue to strengthen our real estate community.

PURCHASE TICKETS >>

Read More >>

Title Fraud on the Rise: What You Need to Know

A new survey from the National Association of REALTORS® reveals growing concern over title fraud and deed theft, especially in urban and suburban markets.

63% of REALTOR® association advocates reported awareness of scams in the past year—most involving vacant land, not owner-occupied homes.

Efforts to combat fraud are active in 76% of areas, with strong support (83%) for electronic alerts to notify property owners of title changes.

Stay vigilant—learn how prevention efforts are evolving across the country.

DATA SECURITY & PRIVACY TOOLKIT >>
INTERNET SECURITY BEST PRACTICES >>
REALTOR® SAFETY NETWORK >>
REALTOR® SAFETY ARTICLES >>
COMBAT REAL ESTATE CYBERTHREATS >>
PROTECTING YOUR BUSINESS >>

Read More >>

Don’t Miss the 2025 REALTOR® Store Winter Sale!

Now through Dec. 31, save up to 25% on select products to help you finish the year strong. From best-selling publications to revenue-boosting webinars, your REALTOR® Store has everything you need—at exclusive member pricing. Don’t wait, shop now!
Shop the Sale >>

REALTOR® Member Health Insurance
Open Enrollment

There’s still time to secure your 2026 health insurance, and RealCare is here to make the process simple and stress-free. Navigating the health insurance marketplace can feel overwhelming, but with RealCare’s expert guidance, you’ll have the support you need every step of the way. Open Enrollment runs from Nov. 1 to Jan. 31 for most coverage plans, and RealCare continues to offer access to two great options: Individual Plans and Covered CA.

Don’t wait—visit RealCare online or call 800.939.8088 (Option 2) to find the perfect plan for you today!

Laptop Doc

All laptops purchased from CCAR come with a 2-year warranty, data transfer, and RE setup included.
Reminder: Support for Windows 10 ended on Oct. 14, 2025.
  • Lenovo IdeaPad Slim 3 – $850.36 >>
  • LG Gram 17 – Ai Ready – $1,845.36  >>

C.A.R. Releases New Standard Forms

With referral fees receiving increased attention across the industry and in the media, C.A.R. last week has released several forms to help clarify and simplify disclosure requirements. Among the updated forms include the REALTOR® Acknowledgement and Disclosure Form (RAD). The revised RAD provides a standardized and transparent way to disclose referral-related compensation and other applicable disclosures.

To support members in understanding and using the revised forms, C.A.R. has created several new resources, including a Legal FAQ, several Quick Guides and Legal Live Webinar videos about referral fees and the RAD form. The FAQ explains when the form should be used, what information must be disclosed, and how the revisions align with current legal requirements.

Read More >>
December Forms Release Quick Summary Guide >>
Frequently Asked Questions >>
Legal Quick Guides >>
Referral Fees, RESPA and Disclosure of Referral Fees >>
Referral Fee Chart  >>
Legal Live Webinars >>

CCAR ANNUAL SPONSORS

LeadHax logo/link

Weekly Jolt – 121625

by

CONTRA COSTA ASSOCIATION OF REALTORS®
WEEKLY NEWSLETTER    |    DECEMBER 16, 2025
Facebook Instagram Youtube

Happy Holidays! CCAR Offices Closed:
• Wed. – Fri., Dec. 24 – 26
• Wed. – Fri., Dec. 31 – Jan. 2

•  You’re Invited: 2026 Inaugural – Jan. 31
•  C.A.R. Housing Matters Podcast
•  C.A.R. Peer-to-Peer Ethics Infoline
•  West County Marketing Meeting Holiday Party – This Thu.
•  WCR Board Installation – Jan. 9, 2026
•  CCAR Annual Crab Feed – Save the Date: March 6, 2026

•  FHA Loan Limit Increase to $1.25 Million in 2026
•  Don’t Miss the 2025 REALTOR® Store Winter Sale!
•  REALTOR® Member Health Insurance Open Enrollment
•  REALTOR® Optimized Laptops For Sale
LAPTOP DOC

Transact: Agent Templates
Wed., Dec. 17  |  7:00am – 8:00am

Broker Power Hour
Wed., Dec. 17  |  10:00am – 11:00am

Mortgage: The Truth Behind the Headlines
Thu., Dec. 18  |  10:00am – 11:00am

MLS: Set It & Forget It using Collab. Center
Thu., Dec. 18  |  2:00pm – 4:00pm

RPR Next Generation Reports
Fri., Dec. 19  |   9:00am – 10:00am

Transact: e-Signatures
Mon., Dec. 22  |   7:00am – 8:00am

Realtor.com – Dashboard Essentials
Tue., Dec. 23  |   10:00am – 11:00am

Transact: Create a Transaction
Mon., Dec. 29  |  7:00am 8:00am

Intro to RPR – Your 1-Stop Shop for Real Estate
Tue., Dec. 30  |  2:00pm – 4:00pm

Realtors: Grow Your Business w/ 1031 Exchanges
Tue., Dec. 30  |  3:00pm – 4:00pm

New Construction: BuildersUpdate
Wed., Dec. 31  |  10:00am – 11:00am

 OnlineEd Offers CA Salespersons
A Fast Track to Becoming Brokers

California Salespersons now have a new path to becoming Brokers with OnlineEd’s fully interactive, online courses. These textbook-free courses are designed to be mobile-friendly and comprehensive, offering a convenient way to advance to a Broker Licensee.
REGISTER NOW >>

 Online Continuing Education

Visit the CCAR Calendar to view/register for additional online training opportunities.

Thank you for making CCAR your primary membership resource. Your success is our priority, and we are committed to providing you with the resources you need to achieve the highest levels of professionalism.

2026 CCAR, C.A.R., and NAR membership dues are now payable and must be submitted by 5pm on Jan. 6, 2026.

Your membership dues give you access to thousands of dollars in benefits and services, along with the political backing and collective buying power of one of the most influential professional trade associations in the United States.

Learn More About Your Member Benefits >>
Pay Membership Dues >>


The RAF supports political activities at the local, state, and national levels. It gives REALTORS® the financial resources needed to advocate for policies which protect property rights and REALTORS®​ ability to effectively conduct their business.

 






Contribute Today >>

+ CCAR CALENDAR

West County Marketing Meeting Holiday Party –
This Thu., Dec 18

Join us for a festive morning at the CCAR Hercules Office from 8:45–10:45am, featuring a recap of this year’s highlights, announcements, your listings, and time to mingle over mimosas and breakfast. Festive attire encouraged!

Please note: After Thursday, the CCAR Hercules office will be closed until Tuesday, January 6.
View the Flyer >>

WCR Board Installation – January 9, 2026

Purchase Tickets >>

CCAR Annual Crab Feed!
Save the Date – March 6, 2026

One Special Night: Awards, Installation & Celebration | Jan. 31

Join us for a very special evening at our annual Inaugural Dinner and Award Celebration on Saturday, January 31, 2026, at Round Hill Country Club in Alamo.

We’ll recognize this year’s distinguished award recipients, install 2026 President John Fondnazio and our Board of Directors, and enjoy a night that brings our community together over great food and good company.

Come dressed to impress as we look back on a year of accomplishments and get ready for the exciting possibilities to come. Together, we’ll honor the people and partnerships that continue to strengthen our real estate community.

We hope you’ll join us for this meaningful evening of recognition and celebration!

PURCHASE TICKETS >>
SPONSORSHIP OPPORTUNITIES >>

C.A.R. Podcast: Home Sales Hit 8-Month High but Will the Momentum Last?

The Housing Matters Podcast is your go-to source for market analysis, economic trends, and housing news from C.A.R. Subscribe on iTunes or Spotify to hear expert insights on the week’s top real estate stories – and what they mean for you.

This week’s episode: Home Sales Hit 8-Month High but Will the Momentum Last? (Episode 138) discusses how California home sales have reached their highest level since February, driven largely by low interest rates. As the market transitions into the holiday season, housing demand is expected to ease, with statewide sales projected to close 2025 with a modest increase over 2024. Ultimately, the trajectory of market momentum will depend on underlying macroeconomic fundamentals.

Read More >>
phone conversation

Get Quick Answers to Your Questions with C.A.R. Peer-to-Peer Ethics Infoline

Non-legal ethics questions answered in a snap!

C.A.R.’s Peer-to-Peer Ethics Infoline is a free service facilitated by neutral REALTOR® volunteers trained in the Code of Ethics. They can answer questions from other REALTOR® members regarding the proper interpretation of the Code.

If you have questions about whether certain actions—yours or those of another REALTOR® —might violate the Code of Ethics, the volunteers can assist with non-legal ethics matters. The Infoline is confidential, and no information will be shared with third parties. Please note that answers or opinions are provided orally and will not be given in writing.

CONTACT THE INFOLINE >>

Read More >>

Don’t Miss the 2025 REALTOR® Store Winter Sale!

Now through Dec. 31, save up to 25% on select products to help you finish the year strong. From best-selling publications to revenue-boosting webinars, your REALTOR® Store has everything you need—at exclusive member pricing. Don’t wait, shop now!
Shop the Sale >>

REALTOR® Member Health Insurance
Open Enrollment

There’s still time to secure your 2026 health insurance, and RealCare is here to make the process simple and stress-free. Navigating the health insurance marketplace can feel overwhelming, but with RealCare’s expert guidance, you’ll have the support you need every step of the way. Open Enrollment runs from Nov. 1 to Jan. 31 for most coverage plans, and RealCare continues to offer access to two great options: Individual Plans and Covered CA.

Don’t wait—visit RealCare online or call 800.939.8088 (Option 2) to find the perfect plan for you today!

Laptop Doc

All laptops purchased from CCAR come with a 2-year warranty, data transfer, and RE setup included.
Reminder: Support for Windows 10 ended on Oct. 14, 2025.
  • Lenovo IdeaPad Slim 3 – $850.36 >>
  • LG Gram 17 – Ai Ready – $1,845.36  >>

FHA Loan Limit Increases to $1.25 Million in 2026

The Housing and Urban Development’s (HUD) Federal Housing Administration (FHA) said it will raise the maximum claim amount for its Single-Family Forward and Home Equity Conversion Mortgage (HECM) mortgage insurance programs to $1,249,125 in 2026, up from $1,209,750 this year.

FHA updates its loan limits every year based on rules in the National Housing Act. These limits are calculated using home-sale data from each county or metropolitan area. The law sets three cost tiers, and FHA adjusts the limits according to local home prices.

The law also caps the loan limit in high-cost areas at 150% of the national conforming loan limit, which is set by the Federal Housing Finance Agency for Fannie Mae and Freddie Mac.

The new limit is a 3.3 percent increase of $39,375, marking the 10th straight year of increases.

Loan limits for most of the country will increase due to the continued appreciation of home prices over the past year.

READ MORE >>

CCAR ANNUAL SPONSORS

LeadHax logo/link

Weekly Jolt – 120925

by

CONTRA COSTA ASSOCIATION OF REALTORS®
WEEKLY NEWSLETTER    |    DECEMBER 9, 2025
Facebook Instagram Youtube

•  You’re Invited: 2026 Inaugural – Jan. 31
•  Unlock the Full Power of Your CCAR Membership!
•  C.A.R. Ombudsman On Call To Answer Questions
•  C.A.R. New & Revised Forms Update – Dec. 11
•  2025  Marketing Meeting Holiday Events
•  WCR Board Installation – Jan. 9, 2026
•  CCAR Annual Crab Feed – Save the Date: March 6, 2026

•  New Law: AB 723 – Disclosure Required For Digitally Altered
   Property Images
•  Create Your 20 Second CMA
•  REALTOR Optimized Laptops For Sale
LAPTOP DOC

Transact: e-Signatures
Wed., Dec. 10  |  7:00am – 8:00am

2026 Tech Holiday Shopping Guide
Wed., Dec. 10  |  1:00pm – 2:00pm

C.A.R. New & Revised Forms – Update for December 2025
Thu., Dec. 11  |  10:00am – 11:00am

New Construction – BuildersUpdate
Thu., Dec. 11  |  10:00am – 11:00am

Paragon Connect: Collab Center App
Thu., Dec. 11  |  11:00am – 11:30am

MLS: Intro to Paragon
Thu., Dec. 11  |  2:00pm – 4:00pm

Transact: Create a Transaction
Fri., Dec. 12  |  7:00am – 8:00am

DRE License Renewal Crash Course (virtual)
Fri., Dec. 12  |  9:30am – 12:00pm

Transact: Navigation
Mon., Dec. 15  |  7:00am – 8:00am

Conquering Social Media and AI
Mon., Dec. 15  |  10:00am – 11:00am

Intro to Cloud CMA
Mon., Dec. 15  |  2:00pm – 4:00pm

Realtor.com: Getting Started with Listing Toolkit
Tue., Dec. 16  |  9:00am – 10:00am

Beyond Disclosure: Wildfire Risk Disclosures
Tue., Dec. 16  |  10:00am – 11:00am

Transact: Agent Templates
Wed., Dec. 17  |  7:00am – 8:00am

Broker Power Hour
Wed., Dec. 17  |  10:00am – 11:00am

Mortgage: The Truth Behind the Headlines
Thu., Dec. 18  |  10:00am – 11:00am

MLS: Set It & Forget It using Collab. Center
Thu., Dec. 18  |  2:00pm – 4:00pm

Transact: e-Signatures
Mon., Dec. 22  |   7:00am – 8:00am

Transact: Create a Transaction
Mon., Dec. 29  |  7:00am 8:00am

Intro to RPR – Your 1-Stop Shop for Real Estate
Tue., Dec. 30  |  2:00pm – 4:00pm

Realtors: Grow Your Business w/ 1031 Exchanges
Tue., Dec. 30  |  3:00pm – 4:00pm

 OnlineEd Offers CA Salespersons
A Fast Track to Becoming Brokers

California Salespersons now have a new path to becoming Brokers with OnlineEd’s fully interactive, online courses. These textbook-free courses are designed to be mobile-friendly and comprehensive, offering a convenient way to advance to a Broker Licensee.
REGISTER NOW >>

 Online Continuing Education

Visit the CCAR Calendar to view/register for additional online training opportunities.

Thank you for making CCAR your primary membership resource. Your success is our priority, and we are committed to providing you with the resources you need to achieve the highest levels of professionalism.

2026 CCAR, C.A.R., and NAR membership dues are now payable and must be submitted by 5pm on Jan. 6, 2026.

Your membership dues give you access to thousands of dollars in benefits and services, along with the political backing and collective buying power of one of the most influential professional trade associations in the United States.

Learn More About Your Member Benefits >>
Pay Membership Dues >>


The RAF supports political activities at the local, state, and national levels. It gives REALTORS® the financial resources needed to advocate for policies which protect property rights and REALTORS®​ ability to effectively conduct their business.

 






Contribute Today >>

+ CCAR CALENDAR

C.A.R. New & Revised Forms Update for Dec. 2025

Thu., Dec. 11  |  10am – 11am | Members $29; Non-Members $58
C.A.R. is rolling out 40 new and revised forms this December—and they’ll break down the updates that matter most to your business. In just one hour, get up to speed on key changes to the RPA, BRBC, RLA, SPQ, SOLAR, and the new REALTOR® Acknowledgement and Disclosure (RAD), plus important revisions to counteroffer, MLS, and lease/rental forms. They’ll also cover a temporary form created for properties impacted by the January Southern California wildfires. A lot is changing—don’t miss the insights that will keep your practice ahead.
Register Here >>

2025 Marketing Meeting Holiday Events

RMA: Mingle & Jingle Holiday Breakfast
Thu., Dec. 11  |  8:00am – 11:00am
View the Flyer  |  Purchase Tickets

WCMM: Spirits & Sparkles Holiday Breakfast
Thu., Dec. 18  |  8:45am – 10:00am
View the Flyer

WCR Board Installation – January 9, 2026

Purchase Tickets >>

CCAR Annual Crab Feed!
Save the Date – March 6, 2026

You’re Invited! 2026 Inaugural – Tickets On Sale Now!

Join us for a very special evening at our annual Inaugural Dinner and Award Celebration on Saturday, January 31, 2026, at Round Hill Country Club in Alamo.

We’ll recognize this year’s distinguished award recipients, install 2026 President John Fondnazio and our Board of Directors, and enjoy a night that brings our community together over great food and good company.

Come dressed to impress as we look back on a year of accomplishments and get ready for the exciting possibilities to come. Together, we’ll honor the people and partnerships that continue to strengthen our real estate community.

We hope you’ll join us for this meaningful evening of recognition and celebration!

PURCHASE TICKETS >>
SPONSORSHIP OPPORTUNITIES >>

Unlock the Full Power of Your CCAR Membership!

Whether you’re just getting started in real estate or already a seasoned pro, your CCAR membership gives you the tools, resources, and support to take your business to the next level. From MLS innovations and legal guidance to education, advocacy, and everyday business perks, CCAR is here to help you save time, reduce risk, and strengthen your success.

Your membership also connects you to a powerful network of professionals and ensures your voice is heard at the local, state, and national levels—protecting both your business and the clients you serve.

To help you make the most of your membership, check out our Member Benefits Directory—your go-to guide for exclusive tools, services, and money-saving opportunities from CCAR, C.A.R., and NAR. Explore it today to discover even more ways to grow your business, boost your productivity, and thrive in every market!

Read More >>

C.A.R. Ombudsman Volunteers On Call to Answer Non-Legal Questions

If you’re a member looking to resolve a minor dispute or communication issue with another REALTOR®, a C.A.R. Ombudsman can help! C.A.R. Ombudsmen are REALTORS® who volunteer their time to answer non-legal questions and resolve non-legal disputes. 

C.A.R. Ombudsman aim to enhance communication among REALTORS® and can propose resolutions for minor issues raised by clients or other members, avoiding escalation. Some common grievances include claims of possible ethics violations and communication issues, such as misrepresentation and lying, as well as complaints surrounding cancellation of a contract, listing, or escrow.

Please Note: Ombudsmen are not attorneys, and do not provide legal advice or answer legal questions.

Read More >>

Have You Created Your 20-second CMA? Now’s
the Time

Whether you’re at home making dinner, on the go, or standing next to a potential client, EasyCMA® delivers a fast and easy analysis of what a property is worth. This quick CMA does the work for you, while giving you control of what you want, when you need it. Watch the above video for more information.

 Online Continuing Education
Laptop Doc

All laptops purchased from CCAR come with a 2-year warranty, data transfer, and RE setup included.
Reminder: Support for Windows 10 ended on Oct. 14, 2025.
  • Lenovo IdeaPad Slim 3 – $850.36 >>
  • LG Gram 17 – Ai Ready – $1,845.36  >>

New Law: AB 723 – Disclosure Required for Digitally Altered Property Images

Effective January 1, 2026, California Assembly Bill 723 introduces new disclosure rules for real estate professionals who use digitally altered images in advertising, marketing, or online listings. The new law requires that a clear disclosure be present on or near the image stating that it has been digitally altered. It is also required to provide access to the original, unaltered version of the image when made publicly accessible.

Why This Matters
AB 723 adds Section 10140.8 to the California Business & Professions Code. It applies to licensed real estate brokers and salespersons and those acting on their behalf.

What Counts as a “Digitally Altered Image”?
According to the recently revised C.A.R. Model MLS Rules:
“Digitally altered image” means an image, created by or at the direction of the real estate broker or salesperson, or person acting on their behalf, that has been altered through the use of photo editing software or artificial intelligence to add, remove, or change elements in the image, including, but not limited to, fixtures, furniture, appliances, flooring, walls, paint color, hardscape, landscape, façade, floor plans, and elements outside of, or visible from, the property, including, but not limited to, streetlights, utility poles, views through windows, and neighboring properties. “Digitally altered image” does not include an image where only lighting, sharpening, white balance, color correction, angle, straightening, cropping, exposure, or other common photo editing adjustments are made that do not change the representation of the real property.

READ MORE >>

CCAR ANNUAL SPONSORS

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