Discover some of the attributes that make this city and the wider area so attractive to home hunters and investors. P8
Best Restaurants
Find food venues and restaurants that are loved by foodies throughout the Peninsula. P22
Information on how to make your California home more sustainable. P24
EDITORIAL
Work-Haus
ADVERTISING
Simon Peacock
DESIGN
Brigita Butvila
2BDesigner
IMAGES Shutterstock
Tourism Dept
FINANCE
Donna Billsborrow
Keller Williams Magazine is published by Work-Haus Limited. Nothing in this magazine can be reproduced in whole or part without the express permission of the publishers. Transparencies or any other material submitted for publication or any other material are sent at the owner’s risk and while every care is taken. Work-Haus Limited has endeavoured to ensure that all the information in this magazine is accurate at the time of going to press, however prices and details may be subject to change.
Welcome,
Dear Neighbor,
Welcome to Peninsula Estates! We are thrilled to have you join our vibrant and welcoming community. Nestled between the beautiful hills and the sparkling bay, our neighborhood offers the perfect blend of suburban tranquility and easy access to the bustling city life of San Francisco and Silicon Valley.
This magazine is designed to help you settle into your new home and connect with local experts who can help you personalize and enhance your new property.
Peninsula Estates is known for its top-rated schools, scenic parks, and family-friendly atmosphere. Whether you’re exploring the local hiking trails, enjoying a relaxing afternoon at one of our charming coffee shops, or attending a community event, you’ll quickly feel at home here. Our friendly neighbors and active community groups make it easy to connect and get involved.
We encourage you to visit nearby attractions like Coyote Point Recreation Area, the Filoli Historic House and Garden, and the many fantastic restaurants along the Peninsula. If you need any recommendations or assistance settling in, please don’t hesitate to reach out.
Once again, welcome to Peninsula Estates! We look forward to getting to know you and hope your family enjoys all that our wonderful community has to offer.
Best regards,
Rick Cunningham Owner & CEO, Keller
Williams, Peninsula Estates
Rick Cunningham Operating Principal
8
Peninsula
Our Corner of The World
Explore the vibrant area of The Peninsula. Discover a wide range of local activities, including cultural events, recreational opportunities, and entertainment options.
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.
11 16 22 24
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 The Peninsula
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.
26
Famous Names
Notable Residents
The Peninsula 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.
29
Venture Capital / Tech Boom
AI World
Palo Alto’s recent tech and venture capital boom reflects significant investment growth in advanced tech sectors like artificial intelligence (AI), biotechnology, and green technology.
28
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.
30
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.
34
Much ADU About Housing
Our Corner of The World
ADUs are also increasingly seen as a sustainable approach to urban development in Palo Alto, aligning with the city’s environmental goals. 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.
Interview with Satori Architecture
Mark Hart, Architect
Tell us a little of the background of your practice in Architecture?
While attending College at California Polytechnic State University in San Luis Obispo, Ca School of Architecture + Environmental Design, I was exposed to the ‘Learn By Doing’ philosophy which is uniquely a ‘Hands-On’ experience. This in combination with simultaneous employment working on various Residential and Commercial Projects provided a solid foundation as a beginner in the Field. In the years following, I obtained my License, worked at various Architectural Firms in Northern California, was involved with the American Institute of Architects and gained enough experience to decide on becoming a Sole Proprietor focusing mostly on Residential and some Commercial type Projects in the San Francisco Peninsula Area.
Do you offer Consultation prior to beginning Services?
80 percent of performing Architecture Services is Communication. When initially contacted by a potential Client, it’s imperative to establish a sense for our relationship working together. I always inquire if a Homeowner, for example, has worked with an Architect before and if needed explain in detail what to expect. Following, I highly recommend a first meeting at the Project location to see and understand exactly what is involved all the while keeping in mind what
needs are to be met. It is also at this time that I discuss the Local Jurisdiction Process i.e Planning, Building, etc. Usually, my involvement to this point is complimentary.
What are the most common questions residential clients ask?
Initially, a potential Client will want to know if their intended Project is of interest and when I could begin work based on my Schedule. Once that is determined and after Consultation, costs in terms of Architect and Architect’s Consultant Fees are sought presumably to compare with other Proposals. If awarded a Project and as it ensues I may be asked to refer a General Contractor or for Progress Drawing copies so a previously selected Contractor may review in advance. Overall, questions vary depending on Project type, complexity, unforeseen circumstances, changes, etc.
Is there a particular project you are most proud of?
Designing and building my own Residence was an accomplishment that has always meant a lot to me. Having had the opportunity to travel throughout Asian Countries particularly Japan influenced my approach to everyday Residential living which I incorporated. For example, the use of natural materials, allowing for plentiful natural light as well as connecting the outdoors with indoors are key. Also, the utilization of space for multiple purposes was a welcome design challenge. This is instrumental when confronted with limited space as in the San Francisco Bay Area.
What words of encouragement would you offer the family who are hesitating to make that first call to an architect?
Since working with an Architect is not a common experience for most people, it’s best to assess one’s specific needs in terms of building a New Home, an Addition or converting a detached Garage to an Accessory Dwelling Unit for example. In these instances, an Architect is best to connect with even if just to understand what’s involved because Architects have the knowledge, skill set and experience. This is valuable when collaborating on an endeavor from start to finish.
Our CORNER of THE WORLD
Living in the San Mateo, Burlingame, and Half Moon Bay areas offers an unmatched combination of natural beauty, cultural richness, and community-focused living. These cities, nestled along the Bay Area’s Peninsula, cater to diverse lifestyles, from urban conveniences to coastal serenity.
PENINSULA
Key Attributes
San Mateo offers a suburban-urban blend with excellent public schools, diverse dining options, and lush green spaces. Its location, between San Francisco and Silicon Valley, makes it ideal for professionals working in tech or business sectors.
Landmarks
Central Park: A community hub featuring a Japanese Tea Garden, playgrounds, and sports facilities. It’s a popular spot for families and events. Coyote Point Recreation Area: Known for its marina, hiking trails, and the interactive CuriOdyssey Museum, which is great for children and families.
Events
The city hosts the San Mateo County Fair, showcasing local arts, agriculture, and entertainment, drawing crowds from all over the Bay Area.
Key Attributes
Often referred to as the “City of Trees,” Burlingame is renowned for its treelined streets, charming downtown area, and excellent public amenities. Its proximity to the San Francisco International Airport makes it a convenient base for frequent travelers.
Landmarks
Burlingame Avenue: A vibrant downtown shopping and dining district with boutique stores, restaurants, and cafes.
horebird Sanctuary: A peaceful spot along the Bayfront for birdwatching and tranquil walks.
Events
Burlingame comes alive during the Burlingame on the Avenue Festival, a summer event featuring live music, local crafts, and gourmet food.
SAN MATEO
BURLINGAME
Key Attributes
Known for its coastal charm, Half Moon Bay is a haven for nature lovers. It offers a slower-paced lifestyle, with stunning beaches, rolling hills, and a strong sense of community.
Landmarks
- Pillar Point Harbor: A working harbor where visitors can buy fresh seafood or enjoy water sports like kayaking and paddleboarding.
- Half Moon Bay State Beach: A perfect spot for hiking, picnicking, or simply soaking in breathtaking ocean views.
Events
Half Moon Bay is home to the worldfamous Pumpkin Festival, celebrating the fall harvest with art, crafts, and the crowning of the largest pumpkin. Surf enthusiasts flock to the Mavericks Invitational, a big-wave surfing competition at Pillar Point.
LIFESTYLE AND CONNECTIVITY
Residents enjoy excellent transportation, with easy access to Caltrain and major highways. The region’s Mediterranean climate ensures year-round comfort, while local farmers’ markets and community events foster a tight-knit community vibe. Each city balances modern amenities with natural attractions, creating an environment that appeals to families, professionals, and retirees alike.
Local life here, means enjoying the best of both worlds: the energy of the Bay Area’s cultural and economic hubs alongside the tranquility of coastal and suburban living. Talk to Keller Williams about your move.
HALF MOON BAY
The Bay Area of California is home to some of the best schools in the nation, and the communities of Burlingame, San Mateo, and Half Moon Bay are no exception. These cities offer a variety of public and private institutions that excel academically, provide comprehensive extracurricular programs, and foster strong community involvement. Here’s a closer look at some of the top schools in the area.
TIPS FOR PARENTS
BURLINGAME
Burlingame is known for its excellent public schools, which are part of the Burlingame School District
Burlingame High School
art of the San Mateo Union High School District, this school is renowned for its academic rigor, with a wide
array of Advanced Placement (AP) courses and college-preparatory programs. The school also emphasizes extracurriculars, boasting strong athletic teams and a thriving arts program, including theater and music.
Lincoln Elementary School
This public elementary school receives high marks for its innovative teaching approaches and strong sense of community. It emphasizes a balanced curriculum, integrating arts, technology, and environmental education alongside core subjects.
For families seeking private education, Our Lady of Angels School is a standout, providing a faith-based education with a focus on academic excellence and character building.
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.
SAN MATEO
San Mateo offers a diverse range of schools across multiple districts, with standout institutions for students of all ages.
Aragon High School
Another top-rated school in the San Mateo Union High School District, Aragon High School is celebrated for its academic programs, which include a robust AP curriculum and exceptional STEM (science, technology, engineering, and math) offerings. The school also fosters creativity through its award-winning performing arts programs.
Baywood Elementary School
K nown for its warm and inclusive atmosphere, Baywood consistently scores high in academic performance. Teachers emphasize individualized learning strategies and actively engage families in the school community.
St. Matthew’s Episcopal Day School
For parents seeking private education, St. Matthew’s is a premier choice. The school combines rigorous academics with a focus on ethical leadership and community service, preparing students for success both in school and in life.
HALF MOON BAY
Nestled along the coast, Half Moon Bay offers schools that combine academic rigor with a unique focus on environmental stewardship and community values.
Half Moon Bay High School
Serving the Cabrillo Unified School District, this school is known for its diverse academic offerings, including AP courses and strong vocational programs. Its coastal location allows for unique environmental science programs and outdoor education opportunities.
Hatch Elementary School
A dual-language immersion program sets Hatch Elementary apart. Students learn in both English and Spanish, fostering bilingualism and cultural understanding from an early age.
For private schooling options, Sea Crest School stands out. This independent K-8 institution emphasizes projectbased learning and STEAM (science, technology, engineering, arts, and math) education. The school also prioritizes social-emotional learning and leadership development.
JULIE SAUTTER
I N T E R I O R D E S I G N
Q&A
Q: Can you share the background of Julie Sautter Interior Design?
A: We specialize in creating curated spaces that blend cherished elements of the past with contemporary style Our philosophy centers on designing homes that reflect our clients' unique personalities, ensuring each space is timeless and adaptable We skillfully combine different eras and styles, valuing the character of vintage pieces alongside modern ideas Our designs harmonize with your home's architectural details and surroundings, resulting in approachable and welcoming environments
Q: What are the benefits of hiring an interior designer instead of undertaking a project independently?
A: Engaging a professional interior designer offers numerous advantages:
Expertise and Vision: We bring a trained eye to your project, identifying potential and challenges that may not be immediately apparent
Time and Stress Management: Our full-service design process manages every phase from start to finish, allowing you to focus on other priorities while we handle the details
Access to Resources: We provide access to custom-designed products and high-quality, trade-only sources– ensuring a bespoke result
Personalized Design: We tailor each space to reflect your unique style and needs, creating a home that supports your evolving life.
Q: When developing a style for a client's property, is it a collaborative effort or does one party take the lead?
A: Our design process is highly collaborative The best results emerge from a partnership where clients' tastes, experiences, and aspirations are integral to the design By listening attentively and incorporating your cherished pieces and ideas, we create spaces that are uniquely yours, ensuring your home reflects your personality and lifestyle.
Q: What do you enjoy most about life in the Burlingame area?
A: As a long-time resident, I love the vibrance and accessibility of our neighborhoods Burlingame Ave , Broadway, and downtown San Mateo are filled with fantastic cafes, restaurants, and unique shops Running into friends around town gives it a close-knit feel The people here are friendly, diverse, and well-traveled, fostering openminded ideas and innovation Burlingame is a caring community with plenty of opportunities to get involved Plus, the proximity to San Francisco and the coast means I can easily enjoy the best of city life and beautiful coastal landscapes
Q: Is there a project that you are most proud of?
A: It's hard to choose just one, but a project that stands out is a vacation home I designed in Martha's Vineyard This project was special because it allowed me to showcase the stunning surroundings while creating rooms for games, reading, gathering, and entertainment, serving multiple generations of the family We designed spaces that cater to both big get-togethers and quiet alone time, striking a balance between communal areas and private retreats By updating the finishes and incorporating a palette of natural materials and warm tones, we achieved a fresh, transitional approach that felt both luxurious and comfortable. Seeing how this home became a versatile retreat for the entire family was incredibly rewarding and reminded me why I love what I do
Mission
Personalized Design: Crafting homes that reflect each client's unique style, blending comfort and elegance with functionality
Timeless Aesthetics: Combining modern and classic elements to create spaces that are both enduring and adaptable to life's changes.
Holistic Approach: Ensuring each design enhances daily living while harmonizing with the home's architecture and surroundings
650 412 7747
design@JulieSautter com www.JulieSautter.com
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 Aero Living
Tell us a little about the background of your company?
Aero Living was founded to transform the home renovation experience for homeowners, realtors, and investors by delivering homes they truly love. Renovations often suffer from unexpected costs, endless change orders, and challenging contractor experiences. At Aero Living, we’ve developed a streamlined, client-focused process to mitigate—or eliminate—these issues.
The company’s journey began with Tommy’s personal real estate investment experiences. Witnessing contractors exploit investors, he envisioned a better approach driven by transparency, efficiency, and execution. Tommy, with a Civil Engineering degree and software engineering expertise from Bloomberg, Netflix, and Dropbox, combines design functionality, technology, and property value maximisation to shape Aero Living’s ethos.
His Managing Partner, Niño, brings operational excellence from his background in surgery at Stanford and leadership roles as Founder and COO of multiple startups. Together, they’ve built a lean, exceptional team—including a full-time Superintendent and Project Manager—that completed over 60 projects in 2024, delivering high-quality renovations and additions across the Bay Area, from Carmel-by-the-Sea to Tiburon and Mountain House.
By keeping the contractor team in-house, Aero Living ensures efficiency, quality, and recordsetting results. Notable projects include properties
in Los Altos Hills, San Mateo, and South San Francisco. Aero Living is redefining renovation experiences—one project at a time.
When should home buyers first reach out?
It’s best to contact Aero Living early in your journey—even before closing on a property. Whether considering a fixer-upper, upgrades, or a full renovation, we offer expert guidance to maximize your investment.
We pride ourselves on making the construction process clear, stress-free, and efficient.
With our in-house drafter and architect, who handle measurements, submittals, and city approvals. Need design assistance? Our partnerships with Floor & Decor (Burlingame) and The Home Team (Millbrae) help turn ideas into actionable designs, with savings passed directly to clients.
Still unsure? Tommy or Niño can personally visit— often the same day—to help plan the best order of operations or simply be a soundboard to your ideas. With our advice just a call away, Aero Living ensures your project is thoroughly planned and carried out.
What advice would you give someone planning a renovation?
Focus on the fundamentals and prioritize what matters most.
Pre-construction takes six months, covering contracting, design, and permits. Request itemized bids to avoid surprises and verify contractor credentials.
During construction, ask about processes, reporting, and timelines. Ensure your contractor uses transparent tools like Gantt charts to track progress.
At close-out, confirm walk-throughs and documentation. Following these steps ensures a smooth, stress-free renovation.
What do you love most about your job?
The highlight is witnessing homeowners’ reactions when they first see their transformed spaces. That joy in their smiles makes the challenges of construction worthwhile.
RESTAURANTS
AROUND YOUR AREA
OUR PICK OF PENINSULA’S RESTAURANTS
Here are ten top-notch restaurants to explore in San Mateo and Burlingame, California, offering a variety of cuisines to satisfy diverse palates:
SAN MATEO
The Fish Market
Specializing in fresh seafood, The Fish Market serves delightful options like grilled fish, sushi, and hearty clam chowder. Enjoy waterfront dining with high-quality, sustainably sourced ingredients. thefishmarket.com
Yakitori Kokko
A cozy spot for Japanese yakitori and ramen, this restaurant features delicious skewers paired with sake and beer. It’s a vibrant, authentic Japanese culinary experience. yakitorikokko.com
Pacific Catch
A seafood haven inspired by Pacific Rim flavors, offering dishes like ceviche, poke bowls, and grilled fish tacos. They emphasize sustainability in their menu. pacificcatch.com
Pausa Bar & Cookery
A sophisticated spot serving modern Italian cuisine. Handmade pastas and locally sourced ingredients make it a favorite for fine dining enthusiasts. pausasanmateo.com
Backhaus Bakery
Known for its European-style bread, pastries, and light brunch menu, this bakery is perfect for a cozy morning or afternoon treat. backhausbread.com
BURLINGAME
Saltyard
A modern, casual eatery serving New American cuisine with a Mediterranean flair. Dishes like seafood linguini and grilled ribeye make it a hit among locals.
altyardburlingame.com
Iron Gate
This elegant restaurant specializes in Continental cuisine with French influences. It’s known for tableside service and an intimate atmosphere. irongaterestaurant.com
New England Lobster Market & Eatery
Perfect for lobster rolls, clam chowder, and fresh seafood. Its casual vibe makes it ideal for a quick yet satisfying visit..
newenglandlobster.net
Sushi Sasae
A hidden gem for sushi lovers, offering meticulously crafted rolls and fresh sashimi. Their omakase menu is a must-try for adventurous diners.
Velvet 48
A wine bar with a curated selection of wines paired with small plates like charcuterie, flatbreads, and gourmet bites. Great for a relaxed evening. velvet48.com
HALF MOON BAY
Sam’s Chowder House
Sam’s Chowder House is a local favorite for seafood lovers, featuring iconic dishes like their award-winning lobster rolls, clam chowder, and Cioppino. Set right on the Pacific coast, this restaurant offers stunning ocean views alongside its casual New England-inspired dining experience. It’s perfect for a relaxed lunch or dinner while enjoying the sea breeze. samschowderhouse.com
Pasta Moon
This Italian eatery has been a staple in Half Moon Bay for over 30 years, celebrated for its farm-to-table philosophy. Dishes are crafted using locally sourced ingredients, offering a mix of house-made pastas, fresh seafood, and vibrant salads. The cozy atmosphere, enhanced by historical architecture, makes it an excellent choice for an intimate dining experience.
pastamoon.com
Navio at the Ritz-Carlton
For a luxurious experience, Navio offers a sophisticated “ocean-to-table” menu. Known for its elaborate tasting menus and a decadent Sunday brunch, it combines impeccable service with breathtaking views of the Pacific. Ideal for special occasions, this restaurant delivers both culinary excellence and dramatic coastal scenery.
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 Mortgage Advisors.
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 loans.
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
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
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
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
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
TOM BRADY SPORTSMAN
One of the most celebrated NFL quarterbacks, Brady has won seven Super Bowl titles and is considered one of the greatest players in football history
MERV GRIFFIN TV SHOW HOST
A television icon and creator of the game shows Wheel of Fortune and Jeopardy!, Griffin also hosted The Merv Griffin Show.
KEITH CARRADINE ACTOR
An Academy Award-winning actor and singer known for his performance of “I’m Easy” in Nashville.
DENNIS HAYSBERT ACTOR
Best known for his portrayal of President David Palmer in 24 and as the face of Allstate Insurance commercials.
BARRY BOSTWICK ACTOR
San Mateo has been the birthplace or home of several famous individuals spanning various fields. Here are ten notable figures from the area:
A versatile actor recognized for his roles in The Rocky Horror Picture Show and the sitcom Spin City.
ANN KIYOMURA SPORTSWOMAN
A professional tennis player who won the women’s doubles title at Wimbledon in 1975.
ED ROBERTS PIONEER
A pioneer in the disability rights movement, Roberts was instrumental in shaping policies for accessibility and inclusion.
SEAN PAYTON COACH
prominent
ZOE LOFGREN CONGRESSWOMAN
A U.S. Congresswoman known for her work in technology policy and immigration reform.
SAM FRANCIS ARTIST
An influential abstract painter associated with the Abstract Expressionist movement.
These individuals highlight the diversity of talent emerging from San Mateo, spanning sports, politics, arts, and entertainment. For more details, you can explore resources like The Famous People and Who2.
A
NFL coach who led the New Orleans Saints to their first Super
Venture Capital / Tech Boom PALO ALTO
Sources: Playground Global Press Release Crunchbase
The Peninsula’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 bakv AI & deep tech but also play active roles in nurturing these startups.
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
developed to address complex global challenges.
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.
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.
