Lynchburg, Forest and Bedford County real estate and homes for sale in Virginia - Dee, Cowles and Pam, REALTOR® REALTOR® Logo - NUMBER1EXPERT™ NUMBER1EXPERT™ Logo
Lynchburg, Forest and Bedford County real estate listings, home buying, selling and homes for sale in Virginia - NUMBER1EXPERT(tm)
Contact Information
Email Dee, Cowles and Pam
Login
Go To Sitemap
Dee, Cowles and Pam

Photo Gallery

Feature Properties

Search Local Listings

All agents are NOT alike! Find out why we are NUMBER1EXPERTS!. Call us: 800-317-5903.

Special Offers
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!
Find Out More >
View All Offers >

Testimonials
You Understood
"First and foremost you did a fine job on selling us on Lynchburg.”
BW, Buyer
Read Quote >
View All Quotes >

TripleCalc
Compare three mortgages at one time. Download TripleCalc now. It's free.

Real Estate - Homes - NUMBER1EXPERTS Sell More!
Dee, Cowles and Pam are one of The Top Selling Real Estate Experts™
Find Out More >


School Reports
See the nation's top rated reports for Schools in Lynchburg, Forest and Bedford County >


Latest Listings
Get the Latest Listings Before Anyone Else!
As soon as we list another home for sale, we'll email you. You'll know first.
Name:
Email:

Latest News
Get the Latest Real Estate News, Hot Off the Presses!
If you are buying or selling a home, you need our eNewsletter.
Name:
Email:
Testimonials
Welcome > Agent Info > Testimonials ...

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
Read Complete Quote >

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
Read Complete Quote >

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
Read Complete Quote >

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
Read Complete Quote >

Appreciated Expertise
“I realize I'm not your only client! Thank you so much for everything you've done for me…"

GS, Seller & Buyer
Read Complete Quote >

Class Act
“I think you are a class act and can understand why you're so successful."

LE, Realtor
Read Complete Quote >

THANKS!
“I knew you were the right Realtor as soon as we met! No pressure and lots of information and help!”

JS, Buyer
Read Complete Quote >

The Extra Mile
“In a time of chaos you both have been time after time as sturdy as anyone could hope for.”

BS, Buyer
Read Complete Quote >

Truly Great People
"Thanks so much for all the work you have done for me in my house hunting expeditions.”

DR, Seller & Buyer
Read Complete Quote >

You Gave Me Home
"Your honest, caring attitude gave me hope that my dream could become a reality."

JP, Buyer & Seller
Read Complete Quote >

You Understood
"First and foremost you did a fine job on selling us on Lynchburg.”

BW, Buyer
Read Complete Quote >


Tell us how we're doing! 

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... 

About You
* Your Name:
* Your Email Address:
Your Street Address:
City:
State/Province:
Country:
Zip/Postal Code:
Phone:

Your Feedback
Please Enter Your Comments. Thank You For Your Feedback!
Send Latest Listings: What is this?
Send Latest News: What is this?

*Please note that fields marked with an asterisk are required.


Email With Confidence
Quick Response Guarantee >
Your Privacy Is Guaranteed >
Free & Without Obligation >


School Reports in Lynchburg, Forest and Bedford County, Virginia
"A model of how the Internet can facilitate the process of deciding where to send your children to school"
- America's Best School Profiles by
The Heritage Foundation

Virginia Public, Private and Charter Schools: Compare them using these top-rated, comprehensive reports.
  Schools in Lynchburg, Forest and Bedford County 



Real Estate Tips
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.

See All Tips In The "Financing Your Home" Category >
See Complete Library Of Hundreds Of Tips In 30+ Categories >

Real Estate Trivia
Q 
What was the world's highest viewing platform before the opening of the Empire State Building in 1939?

A 
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 >


Print This Page Send To A Friend


Dee, Cowles and Pam, REALTOR®, real estate agents and broker for Lynchburg, Forest and Bedford County, Virginia home listings, property and land for sale - NUMBER1EXPERT(tm)

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.

ABR CRS Equal Housing GRI MLS REALTOR


Coldwell Banker Forehand Logo

www.Lynchburg-Homes.com is brought to you by Dee, Cowles and Pam
NUMBER1EXPERT™ in real estate for Lynchburg, Forest and Bedford County, Virginia

Read Dee, Cowles and Pam's Privacy Guarantee, Terms of Service, and Free & Without Obligation Pledge



USA and Canada Real Estate - NUMBER1EXPERT
NUMBER1EXPERT®
© Best Image Marketing and/or its clients.
All rights reserved. All information deemed reliable but not guaranteed.

www.Lynchburg-Homes.com is brought to you by Dee, Cowles and Pam