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All agents are NOT alike! Find out why we are NUMBER1EXPERTS!. Call us: 800-317-5903.
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Find Out About the Latest Homes for Sale First!
We add our newest homes and other real estate listings to this web site first. It can be some time before they appear in the MLS.
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Truly Great People
"Thanks so much for all the work you have done for me in my house hunting expeditions.”
DR, Seller & Buyer
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 Compare three
mortgages at one time. Download TripleCalc now. It's free. |
Dee, Cowles and Pam
are one of The Top Selling Real Estate Experts™
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Buyers Want Your Home for As Little As Possible. Find Out What It's Really Worth. It's Another of our Free Services.  Are you thinking of selling your home? Even if you had a market analysis done a month ago, it's now out of date. You should know exactly what it's worth before making the important decision to sell. We are happy to do a quick "Comparative Market Analysis" for you, for free, and with no obligation. Also known as a CMA, this analysis compares your home to others that are currently on the market and to those that have recently sold. As top real estate agents, we determine the value of Lynchburg area homes daily. Using the information you provide below, we can perform a quick market analysis to give you a free estimate of what your home is worth in today's market. Remember, market conditions can be different, even from one neighborhood to the next. We know how to take each of these factors into account when determining the true market value of your home. This service is completely free and without obligation. There are absolutely no strings attached. Why? We want the chance to show you our expertise as top Lynchburg area real estate agents! Please provide us with some basic information on your home.
Financing Your Home >Mortgage Fears
It is not unusual for home buyers to feel that the lender is being very critical during the loan approval process. The buyer is required to provide all kinds of financial information, and then the lender asks for more. If this is your experience, and the process seems discouraging, remember that none of this is personal!
Some lenders have more stringent requirements than others, but every lender requires a substantial amount of documentation on a mortgage loan. They must verify employment, credit history, and recent financial transactions involving your liquid assets. If your Visa payment was late, they may ask for a letter explaining why. If you are self-employed, they will ask for tax returns from at least three years and probably a year-to-date profit and loss statement.
Government regulations require mortgage companies to document everything. And while the loan officer may know that you are a reliable risk, the underwriters must be able to defend the loan to a federal bank examiner or auditor.
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| Q |
What has a tremendous impact on the U.S. economy, comprising between $10-$15 trillion of the nation's wealth?
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| A |
Real Estate--it goes through cycles, but still has a long-term record of strong investment return. |
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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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