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Welcome,
Dear Homeseeker
Welcome to San Francisco, one of the most vibrant and dynamic cities in the world! Whether you’re drawn to the iconic Golden Gate Bridge, the bustling tech scene, or the diverse neighborhoods that make this city so unique, we’re thrilled you’re considering making San Francisco your home.
At Keller Williams, we understand that buying a home is one of the most significant decisions you’ll make, and we’re here to guide you every step of the way. Our team of experienced agents is deeply familiar with the San Francisco market, from the charming streets of Noe Valley to the waterfront views of the Embarcadero. We’re committed to helping you find a home that not only meets your needs but also fits your lifestyle and dreams.
San Francisco’s real estate market is as diverse as its culture, offering everything from historic Victorian homes to modern condos with stunning skyline views. No matter what you’re looking for, we’ll work tirelessly to ensure your home-buying journey is seamless, personalized, and rewarding.
Thank you for considering Keller Williams as your trusted partner in this exciting chapter of your life. We look forward to helping you find the perfect place to call home in this incredible city.
Best regards,
Rick Cunningham Owner & CEO, Keller Williams, San Francisco
Rick Cunningham Operating Principal
Our Schools Tips for Parents
When choosing where our kids will learn and grow, it’s super important to think it through. To help you out, we’ve put together some tips to make the decision easier.
San Francisco
Our Corner of The World
Explore the vibrant area of San Francisco.. Discover a wide range of local activities, including cultural events, recreational opportunities, and entertainment options.
6 9 14 20 22
Design & Style
Tackling Interior Design in Your New House
Moving into a new house is an exciting milestone, brimming with possibilities for personalization. By following a structured approach and keeping a few key principles in mind, you can transform your new house into a home that reflects your personality and meets your practical needs.
Recommended Eateries
Best Restaurants in San Francisco
Find local food venues and restaurants that are loved by foodies throughout the neighbourhood – from all-day dining hotspots and cosy gastropubs, to local Japanese restaurants, Insta-worthy brunch faves and unique eateries.
Expert Advice
The sustainable home owner
Making your California home more sustainable involves a combination of energy efficiency, water conservation, and sustainable materials. Here are several strategies to help you create a more ecofriendly living environment.
24
Famous Names
Notable Residents
San Francisco has provided residence to a diverse array of notable individuals, including rock stars, celebrities, athletes, academics, and artists. Here are a few prominent figures who have called this area home.
25
Venture Capital / Tech Boom
AI World
San Francisco’s recent tech and venture capital boom reflects significant investment growth in advanced tech sectors like artificial intelligence (AI), biotechnology, and green technology.
26
Expert Advice
Tenancy in Common
Tenancy in Common (TIC) ownership has gained popularity across the Bay Area as a viable and flexible way to achieve homeownership in one of the most high value real estate markets in the U.S.
28
Adding Value to Your Home 7 Great Strategies
In the realm of real estate, adding value to your home is not just about sprucing up its appearance; it’s an investment that can yield significant returns when done strategically.
31
Much ADU About Housing
Our Corner of The World
ADUs are also increasingly seen as a sustainable approach to urban development in San Francisco, aligning with the city’s environmental goals. ADUs are small, selfcontained living units either attached to or detached from a primary residence, and they provide additional housing space in areas with limited land for new development.
Welcome to
OUR CITY
San Francisco is a city that captures the imagination and hearts of those who visit or call it home. Known for its iconic landmarks, diverse culture, and innovative spirit, it’s no wonder that San Francisco consistently ranks as one of the best places to live and work in the United States. From its stunning natural beauty to its thriving economy, here are just a few reasons why San Francisco stands out as an exceptional city.
SAN FRANCISCO
Breathtaking Natural Beauty
San Francisco is a city that seamlessly blends urban living with natural wonders. The Golden Gate Bridge, one of the most recognizable landmarks in the world, offers stunning views of the bay and the Pacific Ocean. The city is also home to Golden Gate Park, a sprawling urban oasis with gardens, museums, and trails. For those who love the outdoors, nearby destinations like Muir Woods, with its towering redwoods, and the rugged coastline of Lands End provide endless opportunities for exploration. The city’s unique topography, with its rolling hills and panoramic vistas, ensures that every neighborhood has its own charm and character.
A Thriving Economy and Innovation Hub
San Francisco is at the heart of the global tech industry, serving as the headquarters for some of the world’s most influential companies, including Google, Apple, Facebook, and Twitter. The city’s proximity to Silicon Valley makes it a magnet for entrepreneurs, startups, and innovators. This dynamic economy creates a wealth of job opportunities across various sectors, from technology and finance to healthcare and education. For professionals looking to advance their careers, San Francisco offers unparalleled access to cutting-edge industries and a network of like-minded individuals.
Cultural Diversity and Inclusivity
San Francisco is a melting pot of cultures, making it one of the most diverse and inclusive cities in the world. From the vibrant murals of the Mission District to the historic Chinatown, the city celebrates its rich cultural heritage through food, art, and festivals. This diversity fosters a sense of community and openness, making it a welcoming place for people from all walks of life. San Francisco has long been a pioneer in social progress, championing LGBTQ+ rights and environmental sustainability, which adds to its reputation as a forward-thinking and inclusive city.
World-Class Dining and Entertainment
Food lovers will find themselves in paradise in San Francisco. The city’s
culinary scene is as diverse as its population, offering everything from Michelin-starred restaurants to food trucks serving up global flavors. Fresh, locally sourced ingredients are a hallmark of San Francisco dining, thanks to the city’s proximity to California’s agricultural heartland. Beyond food, the city boasts a vibrant arts and entertainment scene, with world-class museums like the San Francisco Museum of Modern Art (SFMOMA), theaters, live music venues, and annual events like Outside Lands and the San Francisco International Film Festival.
Excellent Public Transportation and Walkability
San Francisco’s compact size and wellconnected public transportation system make it easy to get around without a car. The iconic cable cars, BART (Bay Area Rapid Transit), and Muni buses and trains provide convenient options for commuting and exploring the city. Many neighborhoods are highly walkable, with tree-lined streets, boutique shops, and cozy cafes just steps away from residential areas. For cyclists, the city offers bike lanes and scenic routes, including the popular ride across the Golden Gate Bridge.
A Strong Sense of Community
Despite being a major metropolitan area, San Francisco has a strong sense of community. Neighborhoods like Noe Valley, Hayes Valley, and the Castro each have their own unique identity and tight-knit feel. Residents take pride in their communities, often coming together for local events, farmers’ markets, and neighborhood clean-ups. This sense of belonging is one of the reasons why so many people fall in love with the city and choose to put down roots here.
Access to World-Class Education and Healthcare
San Francisco is home to some of the best educational institutions and healthcare facilities in the country. The University of California, San Francisco (UCSF) is a leader in medical research and education, while San Francisco State University and the University of San Francisco offer top-tier academic programs. Families with children benefit from access to excellent public and
private schools. Additionally, the city’s healthcare system is renowned for its quality and innovation, ensuring residents have access to exceptional care.
A City That Inspires
There’s something undeniably inspiring about San Francisco. Perhaps it’s the way the fog rolls in over the Golden Gate Bridge, or the way the city’s history of counterculture and innovation continues to shape its identity. Living and working in San Francisco means being part of a city that is constantly evolving, pushing boundaries, and setting trends. It’s a place where creativity thrives, and where people come to turn their dreams into reality.
In conclusion, San Francisco is more than just a city—it’s a lifestyle. Its unique blend of natural beauty, economic opportunity, cultural richness, and community spirit makes it an ideal place to live and work. Whether you’re drawn to its iconic landmarks, its innovative energy, or its welcoming atmosphere, San Francisco offers something for everyone. It’s a city that invites you to explore, grow, and make your mark. Welcome to San Francisco—your new home awaits!
TIPS FOR PARENTS
The East Bay region of California offers a variety of exceptional educational institutions across all age groups.
Here are 12 notable schools, ranging from elementary to high school levels:
Lincoln Elementary School
Oakland, CA
ousd.org/lincoln
Lincoln Elementary is recognized for its strong academic programs and commitment to student success. The school offers a diverse and inclusive environment, fostering a love for learning among its students.
Joaquin Miller Elementary School
Oakland, CA
ousd.org/joaquinmiller
Known for its dedicated staff and supportive community, Joaquin Miller Elementary provides a comprehensive curriculum that encourages critical thinking and creativity.
Los Perales Elementary School Moraga, CA
lp.moraga.k12.ca.us
Los Perales Elementary offers a nurturing environment with a focus on academic excellence and character development. The school boasts strong parental involvement and a variety of enrichment programs.
Four Steps To Selecting A School For Your Child
STEP 1
Understand
your child’s need
When selecting an school for your child it is important to take into account your child’s individual needs, learning style, interests, and goals when making this decision.
STEP 2
Research on different Schools
Once parents know what type of a school their child will benefit in, they should start researching those schools and make a list. By researching different schools, parents can get an in-depth understanding of the educational opportunities that each school provides and determine which school would be best suited for their child’s needs. Additionally, researching on different schools can provide parents with insight into the safety and security measures that are in place at each school, and give them a better idea of the quality of education they will be providing for their child.
TIPS FOR PARENTS
STEP 3
Visit the shortlisted schools
Once parents have made a list of the shortlisted schools, the next step should be to visit them. Visiting different schools gives parents an opportunity to assess the quality and worthiness of each school and determine which one is best suited for their child.
STEP 4
Application Form
For a parent, the final step to selecting a school for your child should be to apply to the top selected schools. It’s important for parents not to restrict themselves only to one school application and apply to at least 2-3 best schools in case the child doesn’t get selected in one of them. Also its important for parents to start the application process as soon as possible before the school stops taking in more students.
Montera Middle School
Oakland, CA
ousd.org/montera
Montera Middle School provides a dynamic learning environment with a wide range of academic and extracurricular programs designed to meet the diverse needs of its student body.
The College Preparatory School
Oakland, CA ollege-prep.org
This private high school is renowned for its challenging academic programs and a strong focus on preparing students for college. The school fosters a collaborative learning environment and offers a variety of extracurricular activities.
Head-Royce School
Oakland, CA headroyce.org
Serving students from kindergarten through 12th grade, Head-Royce is a private school known for its rigorous academics and commitment to diversity and inclusion. The school offers a wide range of programs in the arts, athletics, and community service.
Bentley School
Lafayette, CA (Upper School) bentleyschool.org
Bentley School is a private college preparatory school serving students from kindergarten through 12th grade. The Upper School in Lafayette offers a rigorous academic curriculum, small class sizes, and a strong emphasis on critical thinking and creativity.
Ecole Bilingue de Berkeley Berkeley, CA eb.org
This private bilingual school offers a French-English curriculum for students from preschool through 8th grade. The school emphasizes academic excellence, cultural fluency, and the development of critical thinking skills.
Bishop O’Dowd High School
Oakland, CA bishopodowd.org
A Catholic college preparatory high school, Bishop O’Dowd is known for its strong academic programs, commitment to social justice, and
vibrant campus ministry. The school offers a variety of extracurricular activities, including competitive sports teams and arts programs.
Albany High School
Albany, CA
ahs.ausdk12.org
Part of the Albany Unified School District, Albany High School offers a comprehensive curriculum with numerous Advanced Placement courses. The school is recognized for its academic excellence and diverse student body.
Piedmont High School
Piedmont, CA
piedmont.k12.ca.us/phs
Serving the small community of Piedmont, this high school offers a personalized educational experience with strong community involvement. It is known for its robust academic programs and a wide array of extracurricular activities.
Acalanes High School
Lafayette, CA
acalanes.k12.ca.us/acalanes
As part of the Acalanes Union High School District, Acalanes High School is recognized for its strong academic programs, including numerous Advanced Placement courses. The school also offers a variety of athletic and arts programs.
These schools represent some of the top educational institutions in the East Bay area, catering to a range of age groups and offering diverse programs to meet various student needs.
OJANEN CHIOU ARCHITECTS
SAN FRANCISCO
Q & A SESSION
Can you tell us a little about the background of your firm?
Since 2006, Ojanen Chiou Architects has been a leader in designing exceptional residential projects throughout the Bay Area. The strength of our firm is rooted in diverse cultural influences, leveraging the unique perspectives of our founders to deliver innovative and enduring architectural solutions.
Partner Marc Ojanen draws from the simplicity and functionality of Nordic design, informed by his Finnish heritage and enriched by his experiences living and working in Japan and Germany. His global journey has instilled a deep appreciation for minimalist aesthetics and precision.
Born, raised, and educated in Taiwan and US, Partner Shen-I Chiou draws inspiration from the contemporary arts, landscapes, and innovative materials and technology. Shen's approach is characterized by a harmonious blend of artistic expression and cutting-edge design to create spaces that are both visually stunning and functionally superior.
Together, Marc and Shen founded Ojanen Chiou Architects to create spaces that resonate with the Bay Area's multicultural fabric. By working collaboratively with our clients, we leverage our collective experiences and influences to generate unique results, adding significant value to every project.
What types of projects do you specialize in?
We specialize in modernizing historic homes, reimagining mid-century modern and early suburban ranch homes, and executing seamless additions and new constructions. Our deep understanding of the diverse jurisdictions across the Bay Area allows us to navigate approvals efficiently, keeping your project on schedule and within budget.
We believe your home should be a sanctuary that embodies your personal style and enhances your daily living experience. Our commitment to sustainability and highquality construction ensures that every detail of your home is thoughtfully designed to maximize functionality and aesthetic appeal.
Marc Ojanen, AIA, LEED AP BD+C
Shen-I Chiou, AIA, LEED AP
What is your overarching design philosophy, and what do you value most when working on residential projects?
Central to our design philosophy is the belief that good design starts with effective communication and a profound understanding of each client's needs, vision, and the unique attributes of their site, all while maintaining a deep respect for the environment. By prioritizing sustainability, functionality, and aesthetics, we seamlessly integrate innovative design solutions with timeless architectural principles.
Our goal is to enrich quality of life by creating spaces that inspire joy, bring comfort, and promote wellness, while having a net positive impact on the planet. Recognizing that a home remodel, addition, or new construction is a significant investment, we are committed to providing a rewarding experience that respects your budget, ensures quality, and realizes your vision.
Can you assist prospective buyers with initial property assessments to aid in decision-making?
Absolutely. As architects, our training and experience uniquely qualify us to provide comprehensive property assessments, crucial for informed decision-making.
We offer valuable insights into a property's possibilities and constraints, considering zoning regulations, structural integrity, and design opportunities. This empowers you to make informed investment decisions, ensuring alignment with your goals and aspirations.
Can you describe your working process in more detail and the advantages of working with your firm?
Our OCA method is a comprehensive 8-step process designed to ensure a seamless journey to realizing your dream home. Here's a brief overview of the initial four steps:
1) Project Strategy Call: A complementary 30-minute session to understand your goals, timeline, and budget, ensuring a successful collaboration.
2) Vision & Strategy Review: We refine your goals, provide a Rough Order of Magnitude estimate, and develop a tailored project timeline.
3) Design Proposal & Agreement: A detailed proposal outlining services, deliverables, and fees, ensuring transparency in all costs.
4) Schematic Design: We bring your vision to life through innovative design concepts, refined through client meetings and feedback.
Click image to learn more
HAVE A PROJECT IN MIND? CLICK OR SCAN THIS QR CODE TO SHEDULE A FREE PROJECT STRATEGY CALL WITH US TO DISCUSS YOUR GOALS & VISION AND DEVELOP A PERSONALIZED ACTION PLAN TAILORED TO YOUR NEEDS (ENGLISH OR MANDARIN)
INTERESTED IN LEARNING MORE ABOUT WHAT WE DO AND HOW WE DO IT? CLICK OR SCAN THIS QR CODE TO VISIT OUR WEBSITE
Tackling INTERIOR DESIGN IN YOUR
New House
BENEFICIAL TIPS AND GUIDELINES
Moving into a new house is an exciting milestone, brimming with possibilities for personalisation. However, the process of interior design can seem daunting with countless decisions to make and numerous styles to consider. By following a structured approach and keeping a few key principles in mind, you can transform your new house into a home that reflects your personality and meets your practical needs.
Before you dive into decorating, it is essential to create a comprehensive plan. This involves assessing the space, identifying your style, and setting a budget.
• ASSESS THE SPACE: Begin by evaluating each room. Consider the architectural features, such as windows, doors, and builtin elements. Note the room’s dimensions and how natural light interacts with the space. This will help you determine the best layout and design choices.
• IDENTIFY YOUR STYLE: Take time to explore different interior design styles. Whether you prefer modern minimalism, rustic charm, or classic elegance, understanding your aesthetic will guide your decisions and ensure cohesion throughout the house. Create a mood board with images, colours, and textures that resonate with you.
• SET A BUDGET: Interior design can be expensive, so it is crucial to establish a budget. Prioritise the rooms that need immediate attention and allocate funds accordingly. Be realistic about what you can achieve and consider cost-saving measures like DIY projects or upcycling existing furniture.
PRIORITISE FUNCTIONALITY
While aesthetics are important, functionality should not be overlooked. Your home needs to work for your lifestyle, so consider how each space will be used.
◊ ROOM FUNCTION: Define the primary function of each room. For example, the living room may serve as a space for relaxation and entertainment, while the kitchen is for cooking and dining. Understanding the purpose of each room will influence your design choices, from furniture selection to layout.
◊ FLOW AND ACCESSIBILITY: Ensure that the layout allows for easy movement and access. Avoid cluttered spaces and create clear pathways. In rooms like the kitchen and bathroom, consider
the ‘work triangle’ concept, which optimises the distance between the sink, stove, and refrigerator for efficient use.
◊ STORAGE SOLUTIONS:
Adequate storage is essential for maintaining an organised home. Incorporate built-in storage solutions where possible, and invest in multi-functional furniture like ottomans with hidden compartments or beds with underbed drawers.
Colour plays a pivotal role in interior design, influencing mood and perception of space. When selecting a colour scheme, consider the following:
• ACCENT COLOURS: Introduce accent colours to add interest and personality. These can be incorporated through cushions, rugs, artwork, and decorative items. Use the 60-30-10 rule: 60% of the room should be the dominant colour, 30% a secondary colour, and 10% an accent colour.
AWhether you prefer modern minimalism, rustic charm, or classic elegance, understanding your aesthetic will guide your decisions and ensure cohesion throughout the house.
START WITH A PLAN
CHOOSE A COLOUR SCHEME
• BASE COLOURS: Choose a neutral base colour for larger areas such as walls and floors. Neutral tones like white, beige, and grey provide a versatile backdrop that can be easily updated with accessories and furnishings.
• COHESION: Ensure a cohesive flow throughout your home by selecting colours that complement each other. Consider using a colour palette that extends from room to room, creating a harmonious transition.
Selecting the right furniture and arranging it effectively is key to a well-designed space.
» SCALE AND PROPORTION: Choose furniture that fits the scale of the room. Oversized pieces can make a small room feel cramped, while too-small furniture can make a large room feel sparse. Measure your space and consider the proportion of each piece in relation to the room.
» FOCAL POINTS: Identify focal points in each room, such as a fireplace, a piece of art, or a statement piece of furniture. Arrange your furniture to highlight these features and create a balanced composition.
» COMFORT AND QUALITY: Invest in quality furniture that is both comfortable and durable. While it might be tempting to go for cheaper options, well-made furniture will stand the test of time and provide better comfort and support.
Lighting is a crucial element that can dramatically affect the ambience and functionality of your home.
◊ NATURAL LIGHT: Maximise natural light by keeping windows unobstructed and using light, airy window treatments. Mirrors can also be strategically placed to reflect light and create a sense of spaciousness.
◊ LAYERED LIGHTING: Incorporate a mix of ambient, task, and accent lighting. Ambient lighting provides overall illumination, task lighting focuses on specific
activities, and accent lighting highlights architectural features or artwork. Use dimmer switches to adjust the intensity and create the desired mood.
◊ LIGHT FIXTURES: Choose light fixtures that complement your design style. Chandeliers, pendant lights, and wall sconces can serve as statement pieces, while recessed lighting offers a subtle, modern look.
FURNITURE AND LAYOUT
LIGHTING
PERSONAL TOUCHES
Personal touches make a house feel like a home. Incorporate elements that reflect your personality and interests.
• ARTWORK & DECOR: Display artwork, photographs, and decor items that hold personal significance. This could include travel souvenirs, family heirlooms, or pieces created by local artisans.
• TEXTIES AND ACCESSORIES: Use textiles like cushions, throws, and rugs to add texture and warmth. Accessories such as vases, candles, and plants can inject colour and life into a room.
• BOOKS AND COLLECTIONS: Showcase your favourite books and collections. This not only adds a personal touch but also provides insight into your interests and passions.
Choose materials that are environmentally friendly and sustainably sourced.
SUSTAINABLE CHOICES
Incorporating sustainable design practices can benefit both the environment and your well-being.
» ECO-FRIENDLY MATERIALS: Choose materials that are environmentally friendly and sustainably sourced. Look for furniture made from reclaimed wood, organic fabrics, and nontoxic finishes.
» ENERGY EFFICIENCY: Opt for energy-efficient appliances and lighting. Install programmable thermostats and consider using solar power where possible.
» INDOOR PLANTS: Indoor plants improve air quality and add a touch of nature to your home. Choose low-maintenance varieties that thrive indoors, such as succulents, spider plants, and peace lilies.
Final Thoughts
Tackling interior design in your new house is a journey that requires patience, creativity, and careful planning. By prioritising functionality, choosing a cohesive colour scheme, selecting appropriate furniture, optimising lighting, adding personal touches, and making sustainable choices, you can create a space that is not only beautiful but also uniquely yours. Remember that your home is a reflection of your personality, so don’t be afraid to experiment and infuse it with elements that make you happy. Enjoy the process and take pride in the home you create.
Interview with RE Mortgage Advisors
typically have limited options and rigid criteria, and if a client doesn’t meet those requirements or if the property doesn’t align with their standards, they may decline the loan. With our broad range of lenders, we can almost always find a suitable option. Examples of this include our ability to close in 7-21 days, as well as our expanded criteria or Non-QM offerings, which allow for lower FICO scores, higher LTV (loanto-value) ratios, bridge loans, buy-before-sell programs, hard or private money, and many other financing options that big banks typically don’t support.
What changes do you foresee for the California mortgage industry in the future?
Tell us a little about the background of RE
RE Mortgage Advisors was created to simplify the home and commercial financing experience for clients and partners. Our platform allows clients to get preapproved through a single application, maximize their financing potential, and shop multiple providers for the best rate and program. We quickly deliver secure, compliant, fully funded
Our dedicated NMLS-licensed Finance Managers handle all communications from initial contact to funding, ensuring clear, compliant channels between clients, agents, title companies, insurance providers, banks, and all parties involved. Our ownership group is committed to providing market center teams with the resources needed to deliver the best possible experience.
Why should people select you for their property financing?
With a single online application, clients can get preapproved without a hard credit pull and gain access to the largest network of wholesale and retail lenders. This ensures the best rates and terms for financing. Our platform also makes document uploads easy and keeps all parties informed throughout the process, offering a seamless experience.
Can you give an example of how you have benefited a client during a difficult negotiation?
In today’s competitive real estate market, clients often need multiple financing options to navigate potential challenges. Through our extensive network of wholesale and retail lenders, we offer solutions that many banks can’t provide. Banks
We’re hoping for relief on mortgage rates, but it’s uncertain when or how low rates will go. With California still facing an inventory shortage and increasing demand, clients will need access to diverse lending options to expand their capacity. Additionally, we’ll likely see a growing interest in multi-unit properties, PUDs (Planned Urban Developments), condos, ADUs (Accessory Dwelling Units), and investment opportunities as the shortage is addressed over the next few years. Hopefully, a combination of factors will help increase inventory levels, as demand is far outpacing the current supply.
What kind of financial difficulties have you been able to help buyers with?
The RE Mortgage Team helps clients navigate various financial challenges. It’s not just about low FICO scores - we offer loans with no minimum credit score requirements. In high-cost markets, we provide financing with up to a 55% DTI ratio, while most banks cap at 45%. For down payment issues, we offer assistance programs with up to 100% financing and loans requiring only 10% down for amounts up to $3 million.
We specialize in unique financing solutions. Since the pandemic, self-employed borrowers have faced significant hurdles and struggle to qualify through traditional methods. To help, we offer bank statement programs for both corporate and personal accounts, as well as asset dissipation loans. These programs allow us to qualify individuals with large asset portfolios but without stable W2 or business income.
In California’s high-cost market, financial challenges are common, and at RE Mortgage Advisors, we provide customized solutions to meet each client’s specific needs.
Michael Houghton, Executive Finance Manager
Expert Mortgage Guidance
Our experienced Finance Managers guide clients through the entire mortgage process, ensuring all available options are considered and the best path forward is clear By thoroughly assessing individual needs and goals, we provide expert advice to help identify the most suitable solutions for each client’s financial situation
Trust
and Commitment
Trust and commitment are the foundation of every client relationship With a focus on transparency and integrity, we provide reliable guidance to help clients make informed decisions Our priority is safeguarding the financial wellbeing of those we serve, offering consistent support and peace of mind throughout the mortgage process
Tailored Financing Solutions
We offer a wide range of mortgage solutions with flexible options designed to meet each client’s unique needs Our team takes the time to understand both immediate goals and long-term plans, ensuring current needs are met while securing future financial stability and growth
RESTAURANTS
OUR PICK OF EAST BAY’S RESTAURANTS
San Francisco is home to a dynamic culinary scene featuring diverse flavors and experiences. Here are 15 popular dining destinations in and around the city.
Khao Tiew khaotiew.square.site
A Thai hotspot with unique takes on classics like short rib fried rice.
La Gastronomia lagastronomiadiporchetta.com
Tuscan-inspired dining with handmade pastas and porchetta sandwiches.
La Jacaranda Oaxaqueña instagram.com
Known for its smoky tlayudas, located in a vibrant food truck park in San Jose.
Lunette lunettecambodia.com
A casual Cambodian eatery in the Ferry Building featuring bold flavors.
Nari narisf.com
A modern Thai restaurant blending bold and delicate flavors.
Tartine Manufactory tartinemanufactory.com
Famous for exceptional baked goods and innovative brunch options.
House of Prime Rib houseofprimerib.net
A classic for hearty beef lovers in an elegant setting.
Benu benusf.com
A Michelin-starred fusion of Korean, Chinese, and American cuisine.
Foreign Cinema foreigncinema.com
Unique for its outdoor dining experience with a film screening vibe.
Saison saisonsf.com
An intimate Michelin-starred spot offering seasonal tasting menus.
State Bird Provisions statebirdsf.com
Renowned for its ever-changing seasonal dim sum–style dishes.
Zuni Café zunicafe.com
A must-visit for its iconic roast chicken and Mediterranean-inspired menu.
The Progress theprogress-sf.com
Inventive Californian dishes in a stylish communal dining setting.
Kin Khao kinkhao.com
A Michelin-starred Thai establishment focusing on bold, authentic flavors.
Lazy Bear lazybearsf.com
A Michelin-starred experience combining social dining with inventive American cuisine.
Each offers a unique perspective on San Francisco’s vibrant food culture. Enjoy exploring.
Sustainable homeowner The
Making your Bay Area home more sustainable not only contributes to environmental protection but can also yield significant tax benefits.
Here are some strategies to enhance your home’s sustainability along with relevant tax breaks.
BENEFICIAL TIPS AND GUIDELINES
can make a substantial difference in your home’s sustainability. Homeowners may qualify for the **Energy Efficient Home Improvement Credit**, which offers a tax credit of up to 30% on qualifying home insulation, energy-efficient windows, and doors. This credit has an annual limit for each category, so you can spread out improvements over multiple years if necessary.
INSTALL ENERGY-EFFICIENT APPLIANCES AND HVAC SYSTEMS
INSTALL SOLAR PANELS
Solar panels are a great investment for long-term energy savings and sustainability. They reduce reliance on fossil fuels by providing a renewable energy source for your home. California’s sunny climate makes it an ideal location for solar energy production, so you can significantly cut electricity costs while reducing your carbon footprint. The federal government offers the **Residential Clean Energy Credit**, which allows homeowners to deduct 30% of the cost of installing solar panels from their federal taxes. This credit will decrease to 26% in 2033 and 22% in 2034, so now is a good time to make this upgrade. Palo Alto also offers its own solar rebates, and some utility companies offer additional incentives to make solar installation more affordable.
ENHANCE HOME INSULATION AND WINDOWS
Energy-efficient appliances, such as refrigerators, dishwashers, and water heaters, use less electricity and water. California has a variety of incentives through its rebate programs, and some energy-efficient appliances qualify for tax credits as well. The federal **Energy Efficient Home
Every small change contributes to a larger impact, fostering a sustainable future for both your household and the community at large.
Improvement Credit** also covers up to 30% of the costs associated with upgrading to an energy-efficient HVAC system.
water-efficient fixtures can qualify for rebates through programs like Santa Clara Valley Water District’s rebate system, although these do not have direct federal tax benefits.
CONSIDER AN ELECTRIC VEHICLE (EV) CHARGING STATION
Installing an EV charging station at home supports a sustainable lifestyle and can also earn you a federal tax credit. The **Alternative Fuel Vehicle Refueling Property Credit** provides up to 30% back on costs associated with EV chargers, capped at $1,000 for residential use.
CONCLUSION
Good insulation reduces the need for heating and cooling, which saves energy and money. Upgrading your insulation and replacing old windows with energy-efficient ones
IMPLEMENT WATER CONSERVATION MEASURES
Water conservation is especially important in California. Installing a smart irrigation system, low-flow showerheads, and faucets can reduce water waste. In some cases, installing
Local residents can enhance their home’s sustainability by implementing renewable energy solutions, improving insulation, and adopting water conservation practices. Taking advantage of federal tax credits and local rebate programs can significantly offset costs and make your journey toward sustainability even more affordable.
Notable Residents
ROBIN WILLIAMS ACTOR
The legendary comedian and actor, known for his roles in Mrs. Doubtfire and Good Will Hunting, lived in the Bay Area for much of his life and performed frequently at San Francisco’s comedy clubs.
MAYA ANGELOU POET
The celebrated poet and author spent formative years in San Francisco, where she worked as the city’s first African American female streetcar conductor and began her path to literary greatness.
NANCY PELOSI POLITICIAN
Born and raised in Baltimore, Pelosi became a major political figure while representing San Francisco as a congresswoman. She served as the first female Speaker of the U.S. House of Representatives.
PHILO FARNSWORTH INVENTOR
The inventor of television technology, Farnsworth worked in San Francisco during the early days of his groundbreaking experiments. His contributions paved the way for modern broadcasting.
ASHIELL HAMMETT . AUTHOR
San Francisco has been the birthplace or home of several famous individuals spanning various fields. Here are ten notable figures from the area:
DA pioneer of hardboiled detective fiction, Hammett lived and worked in San Francisco. His novel The Maltese Falcon, largely set in the city, remains a cornerstone of American literature
EMPEROR NORTON EMPEROR
A 19th-century eccentric and selfproclaimed “Emperor of the United States,” Norton became a beloved San Francisco icon for his whimsical decrees and kind-hearted advocacy.
JACK LONDON AUTHOR
The author of The Call of the Wild and White Fang, London grew up in the Bay Area and captured the rugged individualism of the American spirit in his stories.
The three-time Tony Award winner and Oscar nominee grew up in San Francisco and remains one of the city’s most beloved residents, even after her death. The theater at San Francisco’s Lowell High School, from which she graduated, is named after her.
ISADORA DUNCAN DANCER
Widely regarded as the “Mother of Modern Dance,” Duncan was born in San Francisco and revolutionized the art of dance with her free-flowing style, rejecting classical ballet conventions.
The renowned filmmaker behind The Godfather trilogy and Apocalypse Now lived in San Francisco, where his production company, American Zoetrope, contributed significantly to American cinema.
Each of these figures has left a lasting imprint on San Francisco’s history and culture, embodying the city’s creative and pioneering spirit.
FRANCIS FORD COPPOLA FILM MAKER
CAROL CHANNING
Venture Capital / Tech Boom SAN FRANCISCO
Sources:
East Bay’s recent tech and venture capital boom reflects significant investment growth in advanced tech sectors like artificial intelligence (AI), biotechnology, and green technology. This surge is part of a broader Bay Area investment uptick, spurred by the global AI demand. The Bay Area alone has secured around 41% of the U.S. venture funding in 2023, a high mark driven mainly by Palo Alto-based AI companies and other high-tech startups.
Companies like Inflection AI have attracted major investments, including a $1.3 billion injection from heavyweights like Microsoft and NVIDIA, underscoring the region’s central role in AI innovation and commercialization. This growth has cemented the Bay Area as an AI hub, especially in cities like San Francisco and Palo Alto, now referred to as “Cerebral Valley” for its concentration of AI talent and activity.
like Norwest Venture Partners and Hercules Capital provide mentorship, strategic insight, and access to extensive networks to foster growth and
The boom is part of a trend where local firms not only back AI & deep tech but also play active roles in nurturing these startups.
developed to address complex global challenges.
The excitement isn’t limited to AI. Venture capital firms in Palo Alto, such as Playground Global and Catapult Ventures, are channeling funds into “deep tech” areas that include nextgen computing, advanced automation, and synthetic biology. For instance, Playground Global recently raised $410 million to support early-stage companies pioneering fields such as engineered biology, automation, and decarbonization. These investments are transforming sectors from drug discovery to sustainable energy, promising both technological advancement and new market leadership for the U.S. tech industry.
This boom is part of a trend where local firms not only back AI and deep tech but also play active roles in nurturing these startups. Firms
innovation in these emerging fields. These approaches ensure that startups in Palo Alto aren’t just financially supported but are also strategically
In essence, Palo Alto and the broader Bay Area are experiencing a tech investment renaissance, with venture capital focusing heavily on foundational and disruptive technologies. This trend not only revitalizes the local economy but also repositions the Bay Area as a center for innovation amidst nationwide funding declines, with strong impacts expected in sectors like AI, biotechnology, and sustainable tech.
Playground Global Press Release Crunchbase
tenancy IN COMMON
Tenancy in Common (TIC) ownership has gained popularity across the Bay Area as a viable and flexible way to achieve homeownership in one of the most high value real estate markets in the U.S. TIC ownership allows multiple individuals to hold separate, undivided interests in a single property, which can be advantageous for those who may not afford traditional single-family homes or condos independently.
can be converted into TICs, enabling each buyer to own part of the property without paying the full cost of a traditional down payment or mortgage alone. For many, TICs represent one of the few accessible entry points to homeownership in these high-demand urban centers.
A major advantage of TIC ownership is flexibility. Owners can transfer
responsibilities, and financial contributions, making it a highly adaptable ownership model.
However, TICs come with unique challenges. Financing can be more complex since TICs do not involve individual deeds for separate units, as condos do. Buyers often require specialized fractional loans, which not all banks offer and may carry higher interest rates. Further, TICs demand comprehensive legal agreements to manage co-ownership issues, dispute resolution, and the process for selling shares. Clear guidelines are crucial to avoid conflicts and ensure smooth, cooperative management of the property.
Unlike condo ownership, TIC properties are not formally subdivided; instead, owners hold a percentage of the entire property and often specify exclusive rights to certain units or spaces within it through legal agreements.
The Bay Area’s soaring property prices have made homeownership increasingly out of reach for many. TIC arrangements address this by allowing buyers to pool their resources to purchase a property together, which can drastically reduce individual costs. This structure is especially appealing in cities like San Francisco, Oakland, and Berkeley, where older buildings
or sell their shares independently, although some agreements may give other owners a first right of refusal. Additionally, while TIC agreements typically assign specific units or rooms
The Bay Area’s soaring property prices have made, home ownership increasingly out of reach for many. TIC arrangements address this by allowing buyers to pool their resources to purchase a propety together.
for exclusive use, these arrangements can also allow owners to customize the terms for shared spaces, maintenance
Despite these challenges, TIC ownership remains a popular option in the Bay Area because it provides a way to live in desirable, often central neighborhoods at a more accessible price point. TICs have also become increasingly structured to support owner stability, with lenders and real estate professionals developing expertise in TIC-specific financing and contracts. As housing prices continue to climb, TICs represent a creative and pragmatic solution for Bay Area residents seeking an alternative path to homeownership. This trend reflects a broader shift toward innovative ownership models in response to California’s housing affordability crisis.
adding to your home value
In the realm of real estate, adding value to your home is not just about sprucing up its appearance; it’s an investment that can yield significant returns when done strategically. Whether you’re looking to sell your property in the near future or simply aiming to enhance your living space, here are seven proven strategies to boost your home’s value.
on modernizing the kitchen with updated appliances, countertops, and cabinetry. Opt for timeless designs and neutral colors that appeal to a broad range of tastes. Additionally, consider adding functional elements such as a kitchen island or a pantry to increase both aesthetics and utility.
Consider replacing worn-out tiles, installing energy-efficient toilets, and adding extra storage space. A clean, well-maintained bathroom can significantly increase your home’s value and appeal.
Similar to kitchens, bathrooms are key selling points for homes. Upgrading fixtures, such as faucets and showerheads, can instantly give a bathroom a more luxurious feel.
The first impression matters. Invest in enhancing your home’s curb appeal by maintaining a well-manicured lawn, planting colorful flowers, and adding appealing exterior lighting. Fresh paint for the front door and clean, well-defined pathways can make a world of difference. Potential buyers or visitors should feel drawn to your home from the moment they arrive.
In today’s environmentally conscious world, energyefficient homes are highly sought after.
ENERGY-EFFICIENCY IMPROVEMENTS KITCHEN
The kitchen is often considered the heart of a home, and it’s a prime area for adding value. Focus
Investing in energy-saving upgrades not only reduces utility bills but also adds value to your property. Consider installing solar panels, upgrading to energy-efficient windows and doors, and enhancing insulation. These improvements not only benefit the environment but also make your home more attractive to potential buyers.
Many modern homeowners prefer open, spacious layouts that facilitate seamless interaction between different areas of the house. If feasible, consider knocking down non-load-bearing walls to create a more open floor plan. This can make your home feel larger and
CURB APPEAL ENHANCEMENT
REMODELING
BATHROOM UPGRADES
OPEN FLOOR PLAN
more inviting, ultimately increasing its value. However, be sure to consult with a professional to ensure structural integrity and compliance with building codes.
SMART HOME TECHNOLOGY INTEGRATION
Incorporating smart home technology can make your property more desirable and valuable in today’s tech-savvy market. Install smart thermostats, lighting systems, security cameras, and door locks that can be controlled remotely via smartphone apps. Not only do these technologies enhance convenience and security, but they also appeal to buyers looking for modern amenities.
Remember to prioritise improvements that align with your budget, market trends, and the preferences of your target demographic.
ADDITIONAL LIVING SPACE
Increasing the livable square footage of your home can have a significant impact on its value. Consider finishing unused spaces such as basements, attics, or garages to create additional living areas. These spaces can be transformed into home offices, gyms, entertainment rooms, or guest suites, depending on your needs and preferences. Adding functional living space increases the versatility and appeal of your home, attracting potential buyers willing to pay a premium.
in conclusion
Adding value to your home involves a combination of aesthetic enhancements, functional upgrades, and strategic investments. By focusing on areas such as curb appeal, kitchen and bathroom remodeling, energy efficiency, open floor plans, smart home technology, and additional living space, you can significantly increase your property’s value and appeal to potential buyers. Remember to prioritize improvements that align with your budget, market trends, and the preferences of your target demographic. With careful planning and execution, your home can become not only a comfortable living space but also a lucrative asset.
much about housing ADU
ADUs are also increasingly seen as a sustainable approach to urban development in Palo Alto, aligning with the city’s environmental goals.
Accessory Dwelling Units (ADUs) have surged in popularity in Palo Alto, California, in recent years due to multiple factors, including high housing costs, increasing demand for urban infill, and changes in state laws encouraging such developments. ADUs are small, self-contained living units either attached to or detached from a primary residence, and they provide additional housing space in areas with limited land for new development. In high-cost areas like Palo Alto, where the median home price often exceeds $3 million, ADUs offer a more affordable housing option, allowing homeowners to create rental units, multigenerational living spaces, or even home offices.
One key factor driving the ADU boom is California’s legislative push to streamline ADU approval processes. A series of state bills over the past decade, including SB 1069 and AB 68, were designed
to make it easier for homeowners to build ADUs. These laws require cities to approve ADU permits more swiftly, relax parking requirements, and lower impact fees. In Palo Alto, this has translated into a significant increase in ADU permits, with the city embracing ADUs as a solution to the regional housing shortage and aiming to meet its state-mandated housing goals. For example, as part of Palo Alto’s Housing Element—a plan to address housing needs— ADUs are considered a critical component for adding affordable housing units in the city.
ADUs are also increasingly seen as a sustainable approach to urban development in Palo Alto, aligning with the city’s environmental goals. Building within existing residential lots reduces sprawl and encourages higher density, which can help curb the city’s carbon footprint by promoting more compact, walkable communities. This model also provides an appealing option for homeowners who want to create passive income by renting out their ADUs or use the additional space for family members, such as aging parents or young adult children.
However, while ADUs offer many benefits, their popularity has also raised challenges. Such as the potential for increased traffic, parking issues and changes in neighborhood character due to a higher density of homes so do your research before committing. Additionally, although ADUs are less expensive to build than new singlefamily homes, the high costs of construction in the Bay Area can still make them financially challenging for some homeowners.
Overall, the rise of ADUs in Palo Alto reflects a broader trend across California toward alternative housing solutions that address affordability and density issues. By providing more flexible housing options, ADUs are reshaping Palo Alto’s residential landscape, offering a valuable tool to alleviate housing shortages while contributing to the city’s economic and environmental resilience.
