Your Bay Area Real Estate Resource - Welcome!

YOUR best interests are always mine!

Look no further if what you are seeking is a San Francisco Bay Area real estate professional whom you can trust, where you'll enjoy warm, friendly and individualized attention. Experience the personal touch of a true, full-service Realtor®.

Valerie K. Boyle, Realtor®,

Loan Consultant, Seniors Real Estate Specialist

Should I Sell Now?

• How long will it take to sell my home in a Buyer's Market?
• What leverage do I have when buyers have so many choices?
• How can I make my home stand out from hundreds of others?

Do your homework before you decide to hang that "FOR SALE" sign. Start here, and visit other real estate and financial web resources. Then, call for objective, professional advice. I'll be glad to give you a 45-minute consultation, at no cost, no strings - FREE.

Home buying 

Buyers, this is why you should buy NOW!

• Sellers are more willing to negotiate when there are many homes for sale comparable to theirs;
• Home prices have leveled, no more meteoric price jumps;
• Interest rates are still reasonable; and,
• Lenders have a greater variety of loan programs available to buyers than ever before.

Check out MLS listings now to see what's listed. View homes for sale in the East Bay, the entire San Francisco Bay Area and even beyond. Home buying starts here, where you can find luxury homes, single-family and multi-family properties, undeveloped property, fixer-uppers, condos, townhomes, and multi-million dollar estate homes.

Real estate financing makes the home buying and selling world go 'round. Mortgage rates are still good, and the menu of home loan products is huge. I can show you how much you can afford to buy, tell you what you need to qualify for financing, and get you pre-approved for a home mortgage loan BEFORE you make an offer on a home. You'll also understand how to avoid the pitfalls that can cost you your deal.

Have equity? Use it!

Did you know your home equity (which grows as you pay down your principal, and also as home values appreciate) can be a financial tool, if used wisely? It can provide a downpayment for a vacation home, or a second home; or for purchasing investment property that can add to your income or help provide tax relief. It can help you consolidate debt, or pay for important big ticket items like college tuition. It can pay for much needed home maintenance or remodeling projects. 

    Now may be the time to tap into your equity,  with a fixed-rate home equity loan (HELOAN) or an adjustable-rate home equity line of credit (HELOC), or to refinance your adjustable rate loan. Try one of our mortgage calculators to see how the numbers look. As a trained loan originator and consultant, I'll help you decide if one of these options is a wise one for you.

The Right Real Estate Agent for You

Contrary to what some might think, a real estate deal doesn't have to be a nightmare........        The Right Real Estate Agent for You is one who is reputable, informed and exerienced, an agent who you can trust to have your best interests at heart. One who will listen carefully to you, shoot straight when you need to hear the facts, and give you practical, yet creative advice. One whose bag of tools will get the job done for you, and do it right. See why you should work with me when you sell a home, buy a home, or need a home mortgage loan. It's my performance standard - Less worries, more satisfied clients.