Thomas St. John, Benchmark Mortgage Companies, NMLS# 1603960

Benchmark Mortgage is a full service lender, headquartered in Innsbrook - Western Henrico County.

Home prices on the rise with predictions for more of the same The news (statistics always lag behind a bit) is that national home prices notched a stronger annual gain...

RVA Artful Staging

Did You Know? If you're an agent looking for a cool closing gift for your buyers; RVA Artful Staging offers a personalized gift card just for you. For $200 we can help your new buyers turn their new house into a home. For up to 3 hours we can assist with setting up and decorating the new house, shopping for new furniture, picking out paint colors and cosmetic features; anything your buyer might want to settle into their new home. Contact us for details.

Getter Done Fence Pro

[04/25/19]   Best Time of the Year to Buy a Home

Whether you have been saving up for your first home or you are ready to upgrade to a bigger place, you may be wondering if there is a “best” time to buy a home. While it depends on your priorities and your local market, there are some general home buying trends that could help you make your decision.

Spring & Summer

These are typically the hot home buying and selling months. That means there will be more listings to choose from as a buyer. However, that also means there will probably be lots of other buyers looking at those listings and the competition could heat up. You might need to be prepared to make multiple offers on a property in order to win a bidding war. Having all your mortgage funding lined up in this situation is a must.

Buying in the spring or summer is also ideal if you have school-age kids. You can make your move without uprooting them in the middle of their school year.

When selling your current home is part of buying another home, spring and summer can be a good time because there generally are more buyers shopping for homes during that period. You will probably have better chances of selling your existing home in your required time frame.

Because spring and summer are the busy seasons, you may find home prices to be slightly higher than in the off months. This effect is more pronounced in more harsh climates because it is so much more difficult for buyers to get out to see homes in the winter than the summer. In temperate climates, it may not be much of a factor at all.

Autumn & Winter

According to NerdWallet, houses prices can average 8.45% less in January and February than they do in the summer months. And beyond slightly cheaper prices, you may find that autumn and winter sellers may be more willing to negotiate. This is because either their home is still on the market after not selling in the summer or because they do not have the ability to wait for spring before selling.

Another benefit of buying during the fall or winter is that you will have the opportunity to see how well a property stands up to colder conditions. It will be easier to tell if there are drafty windows and doors, if there are roof leaks and if the heating system is effective.

Of course, there are drawbacks of buying in the off-season: fewer property options on the market, less seller and agent availability during the holiday season, and winter can make yards less appealing and moving a nightmare.

While spring and summer are the most popular seasons for home buying, there are benefits to buying at any time of year. If you are financially prepared to take on home ownership, any season can be a good time to buy.

Caitlin Berry- Realtor

Open House this Sunday!
2920 Noble Ave.
Know anyone looking to move to Northside, come check out this beauty on Sunday! 🏡🔑

Thanks BK for the great testimonial!

RVA Realty Inc.

Thanks Mark and RVA Realty Inc. for the highlight video! Mark and all the Realtors at RVA Realty Inc. are wonderful to work with and are experts in their field. Give them a call for any of your real estate needs!

It's that time where we get to hear from local businesses in the Richmond area! Huge thanks and shoutout to Thomas St John with Benchmark Mortgage for speaking on behalf of his company. First time home buyers or those looking to refinance, be sure to contact Thomas. He's your go-to lender for anything regarding home loans!
Be sure to visit and like his page, Thomas St. John, Benchmark Mortgage Companies, NMLS# 1603960.

#benchmarkmortgage #richmondva #homeloans #loanofficer #homebuyers #heroeshousinginitiative #supportyourcommunity

10 Unexpected Ways Your Loan Officer Can Help | PennyMac

As a mortgage loan officer, my #1 goal is to help you reach your home ownership goals. Here's a quick article on how I can help my clients. Speaking to a loan officer early in the process can save you a lot of time, money, and hassle. Give me a call if you ever have a question. I'm more than happy to help 😊 A loan officer can do more than help you get a mortgage loan. Here are 10 surprising ways a loan officer can help, from improving your credit score to refina...

Come on out this Sunday, February 3rd from 2 p.m. to 4 p.m. for an open house to see this adorable home in Ashland, VA. I'll be there to answer any financing questions you may have, and Michele W. Burke -Realtor will be there to answer any real estate questions you may have. Don't wait! This one is going to go QUICK!

Thank you Small & Associates, Inc. for joining me today at my Lunch and Learn for the Heroes Housing Initiative program! If you or someone you know is a Nurse, Doctor, Teacher, Police Officer, Firefighter, Active or Retired Military, give me a call to learn more about the savings the Heroes Housing Initiative Program can save you!

Home For Sale, Richmond VA Real Estate Great listing in Hermitage High District! This well maintained vinyl sided two story Colonial with a two car attached garage is situated on a spacious culdesac lot that backs up to a creek. The property includes 9ft ceilings on both floors with the first floor featuring a formal Living room and Dini...

Attention Newly Engaged!!! Swing by Pocahontas State Park today before 8pm at the One Stop Wedding Shop event to see me and meet any and all Vendors for your special day!

2019 Real Estate Forecast: What Home Buyers, Sellers And Investors Can Expect

2019 Real Estate Forecast! Inventory rising! Millennials are expected as top cohort of home buyers! Rent expected to rise nationwide! Not a better time to purchase a home.
Give me a call to start the process! The year started with sky-high home prices, historically low mortgage rates and a definitive upper hand for sellers. In recent months, though, things have started to shift from seller to buyer. Will these trends continue? Here's what experts predict for the 2019 housing market.

Richmond BizSense

Another local brewer is joining the party in the city’s booziest neighborhood.

I always enjoy working with first time home buyers! Here's an easy to understand info graphic for those of you that are thinking of purchasing your first home in the near future.
Give me a call for a free consultation! 804-552-4038

26 First Time Home Buyer Tips from the Nation's Top Realtors & Brokers

Those of you thinking about purchasing your first home, or even second or third home, here are some helpful tips! First-time home buyer tips from 26 of the Nation's top Real Estate Agents and Brokers. Learn how to find the right home and smooth home buying process.

[10/31/18]   Check out my new program --> Heroes Housing Initiative.

Realtors: If you're interested in joining, just let me know.

Party on the Avenues

It's a thing! Plein Air Westhampton is back! 20+ talented Va artists will paint in Westhampton RVA starting 9/25. Art will be for sale at the Party on SUN SEPT 30 noon-6pm.
A portion of art sales go to our charity partner, FETCH a Cure.
Last year so many businesses donated gift certificates or coupons. It was a terrific way to support the event, art, & the artists themselves.
Learn more about how you can get involved & promote your business by visiting the Google Doc below.
✨Many thanks to our Presenting Sponsor Chesapeake Bank & Hard Rock Development for sponsoring #pleinairwestrva!!!✨
#ontheavenues #westhamptonrva #shopsmallrva #shoplocalrva #shoprva #supportsmallbusiness #lovelocal #vcu #ur #summer #rvaevents #partyontheavenues

Heroes Housing Initiative

Please check out my new page, Heroes Housing Initiative ! Don't forget to like and follow. I helped to establish this program with some local real estate partners. Together we make purchasing/selling/refinancing a home cheaper by providing closing cost assistance. Pair that with exceptional service and you can't go wrong!

Heroes Housing Initiative recipients save a significant amount of money when they use our program to buy, sell or refinance a home.

Wishing you all a Happy 4th of July!

Summer 2018 Events & Festivals In Richmond, VA - River City Food Tours, Richmond, VA

Hopefully you've taken advantage of some of these great events and festivals so far. If not, there's still some great festivals in the Richmond area. Don't miss out on the fun! Your guide to events and festivals in Richmond, VA this summer, by River City Food Tours!

5920 Springfied Rd. Glen Allen, VA

5920 Springfied Rd. Glen Allen, VA

[05/30/18]   Attention!!!

Medical Professionals, Teachers, Police, Firefighters, First Responders and more:

Ask me if you qualify for a $7500 grant towards the purchase of a new home!

[05/09/18]   With home prices rising all around Richmond and the Hampton Roads, it's a great time to leverage the equity in your home. We have cash-out refinance programs up to 90% of the value of your home. Give me a call if you'd like to take advantage of our great loan options!


Down payment money and more! Ask your lender if you qualify for a VHDA "Loan Combo."

10 Reasons to Buy Instead of Rent With rents going up and interest rates at an all-time low, renters should consider taking the plunge.

[04/13/18]   With many online competitors in the the mortgage realm, I thought I would point out Four of the biggest advantages of using a local lender.

1) I work when you need me! People don't buy homes during "Banker's Hours." I'm available when you are available; nights, weekends, holidays whenever!
2) You can't get the same service online. Questions arise at all points of the mortgage process and calling a 1-800 number or waiting for an email response just doesn't cut it. My clients get my personal email, my cell phone, and my direct business line so they can always reach me when they need it most.
3) I work with your realtor as a team. Direct communication is key when there are so many moving parts to the home buying process. This allows for a smooth transition from step to step through the process.
4) We have loan products that someone outside of the local market won't have, giving you more options for a personalized loan that meets your specific needs.

Give me a call or direct message me if you ever have questions. I'm happy to help!

6 smart predictions for the 2018 housing market

What to expect in the 2018 Housing Market

We've already seen some of these predictions come true and it's only been 2.5 months. However, we have financing options to fit your needs despite the market trends.

1) We can combat the low inventory with a One-Time Close Construction Permanent Loan.
2) We can combat the rising home prices with minimal money down loan products.
3) We can combat the rising interest rates using portfolio loan products with lower rates.

What more could you ask for? Give me a call for any of your mortgage needs. Benchmark Mortgage What home owners and home buyers need to know

[02/21/18]   DID YOU KNOW?
Did you know, qualified first time home buyers can purchase a house with as little as 1% down? Ask me if you qualify for this program!

Why You Should Still Talk to a Lender Even If You're Not Ready to Buy a Home

Contacting a loan officer early can save you time and money in the long run. I'm happy to help you plan to buy or refinance a home. Give me a call! 804-424-2200 If you're considering buying a home, even in the distant future, talking to a lender can be beneficial. Here are three major reasons why.

The 3 Best Reasons to Buy a Home in 2018 (but You'd Better Hurry)

Experts predict more houses for sale in 2018! Take advantage of some great programs we offer, and buy a home with us! Benchmark Mortgage A lot depends on where you live (and how much you plan to finance), but these factors could mean 2018 will be your year to take the buying plunge.

Thomas St. John | Loan Officer | Benchmark Mortgage Companies

Check out my new personal webpage! Let Thomas help you get a great rate on your next home purchase or refinance mortgage loan.

Country Living Magazine

Pretty Cool Idea!

This window does what?!

9 Home-Buying Myths You Need to Stop Believing Immediately

Those of you who are thinking about purchasing a home in the near future might want to read this! PLEASE SHARE so your friends can learn too! When you're buying your first home, you might be tempted to turn to friends and family for advice. But beware: You could be heeding some bad advice.

[11/03/17]   Hey fellow Millennials! If you're thinking about taking the next step in life of home-ownership, I'm sure you have some questions. Message me and I'll be happy to advise you in the right direction!

[10/24/17]   Thinking about purchasing a home in the next year or so? Give me a call and we can ensure your finances are in order. 804-552-4038

10 Steps To Buying A House For First-Time Home Buyers

If you're thinking about purchasing your first home in the near future:
1) Start off by reading this article.
2) Contact me, your First-time Home Buyer specialist! It's probably the biggest purchase you've ever made. Here's exactly what to do to prepare yourself and get the best possible deal.

How to Clean Up Your Credit Score Here's what you need to know about how to boost your credit score and get it in good home-buying shape by spring.

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4235 Innslake Drive Suite 201
Glen Allen, VA
Other Loans in Glen Allen (show all)
Charlie Aldinger at First Heritage Mortgage Charlie Aldinger at First Heritage Mortgage
4551 Cox Road Suite 305
Glen Allen, 23060

Charlie Aldinger | NMLS ID #513227 First Heritage Mortgage, LLC is an Equal Housing Lender Company NMLS ID #86548 | Richmond Branch NMLS ID #1197073 (

Beth Southworth Mortgage Consulting Beth Southworth Mortgage Consulting
11225 Nuckols Rd
Glen Allen, 23059

Todd Martin / Branch Manager NMLS #453662 Todd Martin / Branch Manager NMLS #453662
4900 Cox Road, Suite 195
Glen Allen, 23060

Todd Martin Licensed in VA NMLS#453662 I have access to a variety of loan programs & an experienced team focused solely on home financing. Take the next step towards owning your new home.

Don McRobie NMLS 453349 Don McRobie NMLS 453349
4323 Cox Road
Glen Allen, 23060

Virginia Commercial Finance Virginia Commercial Finance
4551 Cox Rd, Ste 402
Glen Allen, 23060

VCF is a financial services firm offering a wide range of Banking Solutions and Advisory Services for both the banking and corporate communities.

Presidential Mortgage Group - Richmond Branch Presidential Mortgage Group - Richmond Branch
4701 Cox Rd, Ste 365
Glen Allen, 23060

Fred Levine Mortgage Loan Officer NMLS# 188051 Fred Levine Mortgage Loan Officer NMLS# 188051
4470 Cox Road #150
Glen Allen, 23059

VP of Mortgage Lending at Guaranteed Rate. NMLS# 1880511 at Guaranteed Rate NMLS# 2611

Southern Trust Mortgage - Innsbrook, VA Southern Trust Mortgage - Innsbrook, VA
4121 Cox Road, Suite 118
Glen Allen, 23060

Founded in 1998, Southern Trust Mortgage is a full-service mortgage lender offering diverse mortgage products designed to compliment any home financing needs. Our continued success is a direct result of our outstanding customer service, from our clients t

Lee Paul Loan Officer NMLS # 396781 Lee Paul Loan Officer NMLS # 396781
4860 Cox Rd, Ste 200
Glen Allen, 23060

Loan Officer NMLS #396781

Benchmark Mortgage Benchmark Mortgage
4235 Innslake Drive, Suite 201
Glen Allen, 23060

A full-service, online mortgage resource, combining the latest information technology with top-notch personal service.

Steve Duke with TowneBank Mortgage Steve Duke with TowneBank Mortgage
4501 Cox Road
Glen Allen, 23060

Home Equity Conversion Mortgage Financing. Equal Housing Lender. NMLS# 323016

Virginia Loan Lady - Judy K Kristensen Virginia Loan Lady - Judy K Kristensen
4112 Innslake Dr
Glen Allen, 23060

Richmond, VA Mortgage Lender