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All agents are NOT alike! Find out why we are NUMBER1EXPERTS!. Call us: 800-317-5903.
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Request Our Free Relocation Package!
Moving your family to another town or state is a major event in your life! We have helped many families and individuals relocate!
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Dee, Cowles and Pam
are one of The Top Selling Real Estate Experts™
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Here's What People Say About Us We always ask our clients to give their truthful evaluation of our service to them. We are anxious to hear the good as well as the bad so we can continue to become better at what we do. Their feedback is really important to us! Here are a few highlights of what people are saying...
A Real REALTOR®
"You're the only "real" Realtor in our book!"
CS, Buyer & Seller
A Special Person
"You are such a special person--can't imagine trying to buy a house in this area without your help."
PB, Buyer
A Wonderful Experience
"I had heard real estate horror stories [about buying a home] from various friends, but we had a wonderful experience, thanks to you."
SB, Buyer
An Easy Transition
“You are a wonderful couple and we very much appreciate your thoughtfulness and all the extras that you took care of for us.”
S, Buyer
Appreciated Expertise
“I realize I'm not your only client! Thank you so much for everything you've done for me…"
GS, Seller & Buyer
Class Act
“I think you are a class act and can understand why you're so successful."
LE, Realtor
THANKS!
“I knew you were the right Realtor as soon as we met! No pressure and lots of information and help!”
JS, Buyer
The Extra Mile
“In a time of chaos you both have been time after time as sturdy as anyone could hope for.”
BS, Buyer
Truly Great People
"Thanks so much for all the work you have done for me in my house hunting expeditions.”
DR, Seller & Buyer
You Gave Me Home
"Your honest, caring attitude gave me hope that my dream could become a reality."
JP, Buyer & Seller
You Understood
"First and foremost you did a fine job on selling us on Lynchburg.”
BW, Buyer
If we've helped you buy or sell a home and you've not yet given us your evaluation of our work with you, we invite you to do so! We need your feedback! Please take a moment to tell us how we did. Thanks! Here's the form... 
Financing Your Home >The Margin on an ARM When you are shopping for an Adjustable Rate Mortgage, the important thing to consider is the margin. Each time your loan is adjusted, the new interest rate will be tied to an index of Treasury notes. The margin is the percentage point above that index where your rate will be set.
Let's suppose that you have a one-year ARM with a 2.5 margin. Your initial rate was 7.5%, and during the first year of the loan, the index of 1-year Treasury notes was at 6.25%. The rate for the second year of your loan would be adjusted to 8.75%. With a margin of 2.75, it would increase to 9%. Some lenders offer lower initial rates with higher margins. In this case, the subsequent rates could be higher after the first year, than if you chose a higher initial rate with a lower margin.
If you are confused by the various mortgage offers, ask a professional mortgage broker to sit down with you and show you how it works. Today the rates and different financial possibilities are so variable that it is a good idea to talk to a mortgage broker--they usually know where the best rates can be found.
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| Q |
What was the world's highest viewing platform before the opening of the Empire State Building in 1939?
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The Eiffel Tower, built between 1887-1889, was for 42 years the highest viewing platform in a man-made structure. |
 See More Real Estate Trivia > |
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Dee, Cowles and Pam
Your Lynchburg Real Estate Team
Coldwell Banker Forehand
2508 Langhorne Road
Lynchburg, VA. 24501
Toll Free: 800-317-5903
Dee and Cowles: 434-841-8757
Pam: 434-665-1740
Fax: 1-866-526-2540
Dee: Dee@deemeredith.com
Cowles: Cowles@cowlesmeredith.com
Pam: Pam@pamschoenleber.com
As America's NUMBER1EXPERTS [TM] in the Lynchburg area, Dee, Cowles and Pam - Your Lynchburg Real Estate Team's business philosophy is based on uncompromising integrity. They are committed to doing things the right way and are well equipped to guide you through all of your real estate needs - whether buying or selling. Make your move with Dee, Cowles and Pam - Your Lynchburg Real Estate Team. Call or email them today!
http://www.lynchburg-homes.com is brought to you by Dee and Cowles Meredith and Pam Schoenleber America's #1 real estate agents for the Lynchburg area including the city of Lynchburg, Forest, Goode, Bedford County, Campbell County, Amherst County, Appomattox County and Nelson County.      
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