Californians for Homeownership was founded in response to the Legislature’s call to fight local anti-housing policies and expand affordable housing for millions of Californians.
CARES is C.A.R’s philanthropic framework to amplify the work, coordinate fundraising and broaden support of C.A.R.’s four charitable causes – Housing Affordability Fund, Scholarship Foundation, Education Foundation, and Disaster Relief Fund.
The Champions of Home Impact Awards honor California REALTORS® who have made a significant impact on their communities through volunteer efforts.
HAF plays an active role in addressing the ongoing housing affordability challenges facing California.
Make A Donation to HAFC.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 ResourcesScholarships for California students planning to pursue a career in real estate.
New to the industry? YPN is a network to sharpen your skills, heighten your leadership, and connect with fellow REALTORS®.
Rising Star AwardDownload and share the official 2025 C.A.R. Member Benefits Guide.
NAR Member Discounts C.A.R. Insurance ProductsAs a C.A.R. member you may have questions about your association and the industry. Find the answers here.
New Member FAQs Glossary Service ProvidersC.A.R. provides tremendous member value through its innovative tools, services and education. Learn more about C.A.R. membership and dues and NAR membership and dues.
C.A.R.'s annual consumer advertising campaign creates awareness of the REALTOR® brand and demonstrates the many benefits of the consumer-REALTOR® relationship.
Smart Zone provides tools and insights necessary to convey your unique value proposition, effectively market your services, keep your clients abreast of current real estate market trends and help you achieve success in a dynamic industry.
C.A.R. is a statewide trade association dedicated to the advancement of professionalism in real estate.
Annual ReportJoin us in celebrating 120 years of supporting REALTORS® and protecting homeownership across California!
The CALIFORNIA ASSOCIATION OF REALTORS® is committed to bring you tools and information to help you succeed. Here are some of the innovative tools, services and education C.A.R. provided to help you achieve your professional goals.
C.A.R.'s Media Center houses the Association's news releases, media guidelines, and logos.
News ReleasesLooking 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.
Need help finding the right person? Try searching through our various rosters & directories.
With Congress unable to reach a funding deal, as of October 1, the federal government has shut down. During a government shutdown, many real estate programs are impacted.
Federal agencies are required to implement contingency plans that allow “essential” activities to continue, even if on a limited basis. For California REALTORS®, the most critical housing and mortgage programs—HUD/FHA, VA, and the conforming mortgage guarantors (Fannie Mae and Freddie Mac)—are structured to maintain core functions throughout a shutdown.
For FHA single-family loans, HUD’s plan permits the endorsement of new loans (with the exception of certain programs such as HECMs or Title I). However, activities requiring staff discretion—such as condominium project approvals—are likely to pause or move more slowly. For VA home loans, guarantees remain available and lenders can continue processing applications, but reduced staffing may cause delays in appraisals, certificates of eligibility, and underwriting support. Conforming (GSE-backed) mortgages are generally unaffected since Fannie Mae and Freddie Mac are not subject to annual appropriations, but some services that depend on other federal agencies may be disrupted. In particular, IRS tax transcripts may be unavailable (forcing lenders to close and obtain transcripts later), and employment verification for federal workers may be delayed (though Fannie/Freddie typically allow verification after closing in these cases).
A lapse in the National Flood Insurance Program (NFIP) authority could also prevent the sale of new or renewal policies. Existing NFIP policies remain valid until expiration and claims will continue to be paid while funds last. Policies may also be assigned from seller to buyer during a lapse, and regulators generally provide lenders flexibility. Private flood insurance remains an option.
In short, most routine FHA, VA, and conforming mortgage transactions will continue with limited disruption, but REALTORS® should prepare clients for possible delays where staff approvals or third-party verifications are required. For more detailed information, see NAR’s guide: What a Government Shutdown Means for REALTORS®.
Oct. 1, 2025
