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The Right Real Estate Agents

Richard Lester ~ John Genovese

Your City | Country Connection

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Our Clients Always Come First.

Interviewing and selecting the right Real Estate agent can be tough and time consuming. When you do find the right REALTOR, you know it.

We are intelligent, fun loving and sincere professionals who have built a very successful Real Estate career by listening and caring about our clients, one by one. 

The bottom line... We really enjoy marketing and selling Real Estate. We also believe the best transaction is the one that's completely transparent for our Clients. That really means straight talk, no pressure and the space to make the right decision for yourself.

If you haven't quite connected with the right Agent, give us call or email.. anytime.

p: 707-303-6358 / e: connect@mycitycountry.com 

 

Please Enjoy Having A Look Around Our Site..

Thank You.

 

enjoy! - Richard & John

 






Today's Rates:

Mtg Loan    Rate  APR
30-yr Fixed5.01%5.17%
15-yr Fixed4.4%4.63%
1-yr Adj4.22%5.24%
* national averages
Mortgage Calculator:
Sales Price: $
Down: %
Interest Rate: %
Term: yrs
Monthly payment: $





It's News To Me :
 
Homes Sold
2/7/2010 2:00 AM
San Francisco County 461 2nd St.

...Read More
 
Hall of Fame pitcher Marichal owned this Outer Mission property / Nine-time All-Star played for the Giants for 14 seasons
2/7/2010 2:00 AM
San Francisco Giants Hall of Fame pitcher Juan Marichal owned this two-story Outer Mission home at 170 Joost Ave. in the early 1980s, according to the "Baseball Address List" (R.J. "Jack" Smalling and Dennis W. Eckes, Edgewater Book Company). Marichal played...

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MORTGAGES / 30-year fixed rate inches back above 5%
2/7/2010 2:00 AM
Rates on 30-year fixed mortgages rose slightly this week, inching above 5 percent, Freddie Mac said Thursday. The average rate on a 30-year fixed mortgage was 5.01 percent this week, up from 4.98 percent last week. Last year at this time, the average rate for...

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Bay area rates
2/7/2010 2:00 AM
Latest offers A snapshot of what lenders serving the Bay Area are currently offering. BankCity30-year fixed (%)5/1 ARM (%)San Francisco Federal Credit UnionSan Francisco54.375East West BankSan Mateo 56.75Bank of OrientSan Francisco6.756.5Bank of...

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ARM indexes
2/7/2010 2:00 AM
IndexLast weekPrevious weekYear ago6-month CD0.480.481.296-month T-bill0.150.140.341-year TCMS 0.310.310.493-year TCMS 1.421.441.251-month Libor0.220.220.446-month Libor0.380.381.74IndexLatest monthPrevious monthYear agoCost of funds*1.8201.2500.000 ...
2/7/2010 2:00 AM
Once a month, The Chronicle and Sf.BlockShopper.com will be profiling a Bay Area community to give readers a perspective on the history of the neighborhood and its condition in the real estate market. Typically, public transportation is built to merely serve...

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What you can buy in the Bay Area for $2 million
2/7/2010 2:00 AM
San Francisco, $1.995 million 567 Vallejo St., No. 302 Beds: 2 Baths: 2.5 School district: San Francisco This unit in a newly constructed Telegraph Hill condo building has just experienced its second price drop. The condo features a chef's kitchen with...

It's News To Me :
 
Bay Area artist's home on the market for $545,000
2/5/2010 11:39 AM
There's something about an artist's home, complete with studio, that makes you think your creative talents might just flourish if you could just live in this particular dwelling. Particularly if that artist had enjoyed some success in his lifetime. The artistic vibes must be good in this...

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Famous San Francisco "postcard row" home is up for sale
2/3/2010 4:25 PM
It's one of San Francisco's best known homes -- or at least it is when it is viewed along with its neighboring houses in the classic "postcard row" shot that adorns so many, erm, postcards. And now it's for sale. The stately Alamo Square mansion at 722 Steiner St, known as the...

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Berkeley welcomes future neighbor Mitchell Kapor, in its own way
2/2/2010 2:00 PM
A new neighbor moving in usually causes a few ripples of mild interest, if not downright curiosity, on a given street. But sometimes the prospect of a new arrival causes a much more heightened reaction -- especially if the construction of a completely new house is on the table and its owner...

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Haight-Ashbury real estate: impervious. About to be more so?
2/2/2010 11:00 AM
No longer a pipe-dream (Smirk. Really, Haight Street, how many pipe stores can one street support?), but with the supervisorial green light is the Whole Foods/condo complex, slated to replace long dead Cala Foods at the corner of Stanyan and Haight. The scaled down plan here does not include the...

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Car dependent neighborhoods more at risk of foreclosures
1/29/2010 1:18 PM
Homeowners in areas that are car-dependent and without transit options are at greater risk of foreclosure, according to a new report by the Natural Resources Defense Council (NRDC) which is calling for mortgage underwriting standards to start taking so-called "location-efficiency" into account. ...

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Buyer, be brave: uncover the secret sales data
1/28/2010 11:00 AM
People often look at the median price for a county to judge the county's real estate health. But new buyers might not realize that the "median" price is not the average price, and is not always the best barometer. A median is the number achieved by finding the middle number in a series....

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Google makes home viewing up close and personal
1/27/2010 12:38 PM
Just when you thought Big Brother knew as much as it could about your home -- think Zillow with its price estimates, Property Shark with its historical data on the home's previous sale transactions, and of course Google Maps with those clever but somewhat intrusive street views -- along...

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Renters shouldn't vote, and other pearls of wisdom
1/26/2010 11:00 AM
SFGate commenters are prolific. Unfortunately, much of the commentary is ruthless, even offensive, a trend that's not only been noticed by the Gate itself , but by other blogs . This trend extends to all topics, even the most benign (movie reviews? Mommy Files blogs?); but some of the most...

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If not now, when? Research shows now may be time for San Franciscan renters to buy
1/25/2010 11:41 AM
New data shows that now is a particularly good time for some San Francisco renters to take the plunge and buy a home. This is because the premium to buy -- meaning the spread between what you'd spend on renting and what you'd pay each month for a mortgage -- is far narrower now than its 15-year...

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Presented By:
1/25/2010 11:41 AM
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It's News To Me :
 
Replacing fireplace brick isn't easy but worth it
2/3/2010 2:00 AM
Q: I'd like to remove my fireplace brick, but it goes all the way up from the hearth to the ceiling. Is it possible to remove the brick and replace it with another material? After removal, what type of material should I use to cover things up? Is there...

It's News To Me :
 
When a reverse mortgage works - it's debatable
8/30/2009 2:00 AM
Q: I hope you enjoy a good discussion as much as I do, as I'm going to try to convince you that a reverse mortgage is more than a last resort. Let's look at a 70-year-old who has been very comfortable in his retirement, collecting Social Security and...


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Real Estate Mailbag
8/2/2009 2:00 AM
Q: I am an old lady (80) who lives in a townhouse. We have 78 units and we pay $75 a month in fees, which is up from $60 and going to rise again. Our officers decided they should be paid a monthly fee. There are four other complexes that pay only $60 a month...

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Foreclosure should be your final option
7/26/2009 2:00 AM
Q: We're badly underwater in our house. Our business is hurting and we are struggling to make the house payment. We owe $340,000 on a house that would maybe sell in today's market for $200,000. We think the only way it makes sense to stay in our house would...

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Everybody has to pay for the common area
7/19/2009 2:00 AM
Q: I am the president of the board of our homeowners association, which has 11 houses. There is a conflict that seems unsolvable. There is a large common area behind seven of the houses that is approximately 300 feet long and 60 feet wide that has beautifully...

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Paying off credit cards by refinancing mortgage
7/12/2009 2:00 AM
Q: With mortgage loan rates at record lows, I'm thinking of refinancing my 30-year fixed-rate loan. The lender is recommending that I roll into the refi amount the balances I owe on my car and two credit cards. The advantages would be that they'd be paid off,...

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How family members can swap their homes
7/5/2009 2:00 AM
Q: A few years ago, my son bought a small, but cute, home. My husband and I were empty-nesters with a large home. Recently, my husband passed away, my son got married and his wife is expecting. I would like to trade homes with my son, because he needs more...

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Why lenders demand title insurance
6/28/2009 2:00 AM
Q: We are in the final steps of completing a refinance of our barely year-old $410,000 mortgage. We were pleased with the interest-rate drop, and our local bank was generous in dropping many of the junk fees associated with a refinance. However, we are being...

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It's News To Me :
 
New plan could expedite short sales
12/13/2009 2:00 AM
If you're in trouble on your mortgage and you can't get a loan modification, check out the Obama administration's new standard short-sale plan scheduled to roll out soon. The program, outlined Dec. 1 by the Treasury Department, is an attempt to streamline...
Read More
 
FHA looking for ways to pump up its reserves
11/22/2009 2:00 AM
For several years, the Federal Housing Administration has been the go-to financing resource for cash-strapped home buyers who can't come up with a big down payment. It has zoomed from barely a 3 percent market share to nearly 30 percent of home purchase...
11/15/2009 2:00 AM
Take a close, hard look at the new $6,500 federal tax credit for move-up home buyers that passed the Senate and House this month. Though it's been getting second billing to the original $8,000 credit for first-time purchasers - now extended by Congress...

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