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Philip Hoffman, REALTORŪ, real estate agent and broker for Richmond Virginia home listings, property and land for sale - NUMBER1EXPERT(tm)


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Spring

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The Metro Richmond Area has a tranquil weather pattern with our Spring season starting about April 1st, and running thru about June 1st. During this period we are fixing out lawns with seed and fertilizer and planting our trees and shrubs. Our Spring usually is fairly short with temperatures in the 60s and 70s for highs and 40s and 50s for lows.

Summer

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Starting July 1st we begin to transition to warmer weather which runs until middle of September. Our Summer season is very changeable from warm and wet to hot and dry. Our temperature range runs from 70s to 90s for daytime and 60s and 70s for nighttime. During this period we are swimming in the pools, taking great trips to the beach or mountains, and having lots of picnics and other fun things to do.

Fall

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About September 15th we begin to cool off with temperatures falling back to the 70s and 80s and by October we are in the 60s and 70s with night temperatures in the 50s. This time of year, which is our Autumn, has some spectacular leaf color changes throughout the entire metro area. Autumn continues until November 15th where the daytime temperatures are preliminary in the 50s and 40s.

Winter

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Winter some years starts around December 10th and continues until March 15th. Our winters are known for a combination of cold spells and then warm spells. We do get snow with an average of 14 to 17 inches per winter. Some years the track of the storms up the east coast give us 1 or 2 big snows and lots of wind. During our winters many of the homes are lit up with beautiful decorations and designs for the holidays.


Another interesting thing in our Metro Area are flags. Many homes sport seasonal flags or the college they attended. All in all we have just enough of everything to make our weather enjoyable and a place where you would love to live.


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Real Estate Tips
First Time Buyers >Good Faith Estimates

Several years ago the U.S. Congress tried to protect consumers from a few unscrupulous lenders by requiring all lenders to calculate and disclose the annual percentage rate (APR) you pay on your mortgage loan. But most homebuyers will learn more by directing their attention to the Good Faith Estimate of Settlement Costs (GFE). Although Congress meant well, in practice the APR is not helpful and may be confusing.

If you are looking for a good way to understand your costs of borrowing and/or to compare one lender's costs to another, the GFE is your best bet. Get your lender(s) to provide a written GFE before you commit your mortgage business. When reviewing a GFE, keep in mind that the lender actually controls only a certain portion of the disclosed costs. Other parties typically control costs of appraisal, settlement, title insurance, recording fees and taxes, survey, and the "prepaid" expenses of homeowner's insurance, mortgage insurance, real estate taxes, etc. Review these origination fees, discount points, etc. and you will have the ability to understand the full costs of your proposed mortgage loan.

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Real Estate Trivia
Q 
What does "contingency" mean in real estate?

A 
A contingency is a specified event that must take place before a home purchase contract is binding; for example, a sale can be said to be "contingent upon the sale of the buyer's current residence."
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Philip Hoffman, REALTORŪ, real estate agent and broker for Richmond Virginia home listings, property and land for sale - NUMBER1EXPERT(tm)

Philip Hoffman
RE/MAX Commonwealth

831 Grove Road Suite D
Midlothian, VA. 23114
Phone: 804-794-2662
Toll Free: 800-721-7072
Fax: 804-794-1669
Email: PhilipHoffman@NUMBER1EXPERT.com

Hello, I am Philip Hoffman Associate Broker with ReMax Commonwealth Group with over 25 years experience servicing Metro Richmond and surrounding areas. Welcome to Philip Hoffman.com -- your leading source for Metro Richmond Virginia and Central Virginia Real Estate information, school information and homes for sale. Servicing Richmond, Henrico, Glen Allen, Short Pump, Chesterfield, Midlothian, Hanover, Powhatan, Louisa, Goochland, New Kent, Chester, Fort Lee and Tri-Cities Area.

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