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Found 16 results

  1. Katherine Farber

    New price and open house 523 Capstone Dr

    Open House and New Price! 523 Capstone Dr Lynchburg VA 24502 3 bedroom 2 bath home Listed at $254,900 Open Feb 11th 2-4 Cornerstone Community offers a beautiful low maintenance one level home. The stamped concrete & brick front porch enters into a spacious great room with a rock fireplace, trey ceiling, as well as a bright and airy dining room overlooking the spacious chefs kitchen offering stainless appliances, granite, counter tops, tile backsplash with ample bar area for additional seating. Master Suite offers a spectacular ceramic tile shower, double vanities, walk in closet and cathedral ceiling as well as 2 additional bedrooms & 2nd full bath. Rear load oversized 2 car garage offers a huge storage closet & pull down attic. A drop zone and spacious laundry room is located conveniently off the garage. READY FOR IMMEDIATE OCCUPANCY and minutes to Liberty University, Shopping, Dining and more. Tons of amenities including a swimming pool and twenty-five acre park with walking/jogging/bicycle trails. Tons of storage in this home!
  2. This gorgeous and well maintained home offers ample space for your family's needs. With almost 5000 sq ft. storage, room to entertain, and many areas to enjoy quality family time together is not an issue. This home offers hardwood and ceramic tile throughout, upgraded granite in all bathrooms and both kitchen areas. The master suite is a sanctuary that offers relaxation after a long day. There are 5 other bedrooms as well, one being a guest suite with a sitting area and on-suite full bath that could be used as a kids suite with playroom or a guest suite with sitting area. In-ground water sprinkler system, alarm system are included with the sell of this home. Sellers are offering up to $5000 towards paint or closing costs with acceptable offer. Freshly landscaped lawn with creek, offers the perfect place for your children to retreat to and get loss in their imagination. Finished basement offers a 6th bedroom, office space, large living room and full bar/kitchen area. Owner/agent
  3. Happy Friday! Is your home not selling? Here are some tips on how to drum up some more traffic and get that offer you are looking for! Call us 434.879.3275 or visit http://thelynchburgteam.com
  4. Katherine Farber

    Use our App to help make your home search easier

    THE LYNCHBURG TEAM - Found out how we can get you more money at settlement! Customer Service is our main goal and getting you to the next phase of your life is the end result. http://thelynchburgteam.com Use our app to draw your own search area! With the Keller Williams Realty Real Estate Search app, you can draw a perimeter to see nearby homes for sale, find open houses or discover new properties. See what the house down the street is listed for, save your favorites and communicate with us. Katherine Farber 0225206276 Founder and Realtor The Lynchburg Team 434.879.3275 Found out how to get more money at closing 434.879.3275 http://thelynchburgteam.com Click here to download my mobile app! contact@thelynchburgteam.com http://thelynchburgteam.comCopyright 2015 Keller Williams® Realty, Inc. If you have a brokerage relationship with another agency, this is not intended as a solicitation. All information deemed reliable but not guaranteed. Equal Opportunity Housing Provider. Each office is independently owned and operated.
  5. Katherine Farber

    New Construction in Boonsboro VA area FOR SALE!

    For more information about this property you can send a text message to 54561 and put P24763 in the message field. Schedule a private showing by call 434.879.3275 - our team is here to help! New construction nestled just off one of the City's most desirable streets! 4 bedrooms, 3.5 baths, huge bonus room, screened porch plus deck. Overlooking pond. Huge walk-in closets. Main level master and 2 bedrooms plus 2 full baths. Two-car garage. Full unfinished basement allows room for expansion and already features a roughed-in bath. This home has all the upgrades throughout including granite or marble on all counter tops and hardwood floors. Fireplace in living room. Very desirable school district. Home is now complete (the driveway has just been installed), move-in ready and beautifully landscaped.
  6. Katherine Farber

    New Construction - Cornerstone Meridian St

    For more information about these luxury townhomes for sale, you can send a text message to 54561 and put P25360 in the message field. Or Schedule a Free Tour of the whole street and all that VC Design and The Lynchburg Team have to offer - 434.879.3275 These luxury style town-homes offer maintenance free living in the Cornerstone community. With easy access to swimming, shopping, dinning, walking, and so much more!
  7. Katherine Farber

    Introducing 1515 Somerset Dr Lynchburg VA 24503

    For more information about this charming home in Boonsboro VA, you can send a text message to 54561 and put P27537 in the message field.
  8. Katherine Farber

    Cash flow ready townhome - calling all investors

    http://search.thelynchburgteam.com/idx/details/listing/a331/293967 FOR MORE INFORMATION you can send a text message to 54561 and put P24723 in the message field. Calling all investors - this is a great rental property. Tenants already in the property and just signed a new lease for the year. Great location! Schedule your private showing today! - See more at: http://search.thelynchburgteam.com/idx/details/listing/a331/293967#sthash.oR1kAhol.dpuf
  9. The mortgage game might be the same, but the rules have changed to favor homebuyers instead of lenders.The Consumer Financial Protection Bureau (CFPB) is pinch-hitting for HUD. Its mission: to make sure another housing crisis, like the one from 2008, never happens again. One way to help achieve that goal is to make the buying process clearer to consumers, whether you’re looking at homes for sale in Houston, TX, or Sarasota, FL. “Starting October 3, when you apply for a new mortgage, you’ll receive new disclosures designed to ease the process of taking out a loan, help you save money, and ensure you know before you owe,” says Tricia McClung, assistant director of mortgage markets for the CFPB. In a nutshell, the mortgage process should now be more transparent to consumers and include information that helps homebuyers figure out what they can afford to buy. The new rules, called “Know Before You Owe,” help borrowers — in most cases, anyway. Here’s an overview of the changes and what they mean for you. Some history Before the new mortgage disclosures went into effect, homebuyers were presented with the TMI (too much information) version of mortgage documents: a Truth-in-Lending disclosure with the Good Faith Estimate and then another Truth-in-Lending disclosure with the HUD-1 Settlement Statement. And those were just the forms’ names. As you can imagine, it was a tad complicated. And lenders didn’t even have to disclose everything. “The old Good Faith Estimate and the HUD-1 did not spell out the two most important things to most consumers: knowing what their new payment will be and how much cash will be required at closing,” says California mortgage consultant Greg Cook. The change The CFPB replaced the four documents with two simpler ones: the Loan Estimate and the Closing Disclosure. The new forms “help you shop for the best deal and avoid costly surprises at closing,” says McClung. Homebuyers now have “a better perspective of the true cost of their loan instead of having to compare multiple documents with conflicting figures,” says Frank Berriz, CEO of California Members Title Insurance Co. The three-day-wait rule The new CFPB mortgage disclosure rules call for a three-day period to allow buyers to look over and become familiar with the Closing Disclosure before they get to the settlement table. This marks “the biggest overhaul of the mortgage process in decades,” says Amiel Hagai Steuerman, president of Cypress Mortgage in Illinois. The three-day period “gives you time to ask your lender all the questions you might have about the terms of your mortgage, as well as consult with an adviser or housing counselor,” says Tricia McClung. “Borrowers will know every tax, fee, and risk. And they will know if there are any penalties for paying off the loan early or whether there is a balloon payment at the end,” says Gloria Shulman, a California mortgage broker. The mulligan, or the do-over If the loan product changes during the three-day review period, you must start over and take another three days to review those changes. Just what triggers the additional three-day period includes the following: If the annual percentage rate (APR) increases by more than ⅛ of a percent for a fixed-rate loan and ¼ of a percent for an adjustable loan. (If the APR decreases, the additional three-day period is not required.)If a prepayment penalty is added.If the basic loan changes, such as from a fixed rate to an adjustable one.Minor changes such as a typo on a closing document or the discovery at walk-through of a bedroom window that won’t open — causing you to want a credit from the buyer — won’t trigger the extra three-day wait. But even still, “Problems could arise with the three-day disclosure period, creating a domino effect,” says Frank Berriz. “If a closing is delayed by the buyer, it will directly impact the closing of the house the seller is trying to buy.” The new normal: a 45-day closing? A typical closing takes 30 days, but many lenders now assume they’ll need more time to close. “In the early going, consumers might expect to see the mortgage process lengthened — approximately 45 days to close rather than the previous 30 — as the new disclosure rule is implemented,” says Sharon Voss, real estate agent and president of the Orlando Regional REALTOR® Association. “A consumer in a hurry is not going to have an easy time of it,” says Casey Fleming, author of The Loan Guide: How to Get the Best Possible Mortgage. “Most of the waiting periods are mandatory; they cannot be waived.” This three-day rule, although well-intentioned, could cause you to lose out. If you’re in a hot market and it takes 45 days to close, a cash buyer who’s ready to close quickly might be a lot more attractive, leaving you to clear the game board and start a whole new one. But once the dust settles, the closing time frame should adjust. “We expect to get back to previous processing times within a few months,” says Fleming. Dealing with a longer closing period Gloria Shulman offers two tips to help ensure you aren’t burned by a longer closing: Ask for a rate lock longer than 30 days.Avoid any loan that does not waive the per diem charge for late closings.Do you like the new disclosure documents? this blog was provided by trulia
  10. Katherine Farber

    Four steps to invest in real estate success

    Real estate investing is always good and sometimes it's red hot. When it's hot dozens of real estate seminars begin rolling across the country and thousands of people spend thousands of dollars for investing education. It's startling to learn that of all those thousands of eager folks who attend these seminars only about 5% buy even one investment house. Why? The real estate gurus sell the "sizzle" and make profiting from real estate sound easy. The truth is that it's simple, but not easy. Here's a quick plan that will enable anyone to begin building financial independence. There are basically four steps to investing in single family homes: 1. Buy homes below full market value. Yes, people really do sell homes for less than the home's full value. The key is to understand that most home owners will only consider a purchase offer that is all cash and within 5% to 10% of their asking price. The successful investor learns to find financially distressed home owners who have no choice but to sell for less than market value. They have lost their job or been suddenly transferred; they are divorcing; they been living beyond their income; the family has been overwhelmed with medical bills and, not uncommonly these days, their money has gone to support a drug habit. Those are examples of motivated sellers. They have to sell and they will accept something other than a conventional, all cash offer. 2. How do you find motivated sellers? You work at it! Like any business it is important to develop a little marketing plan. One that is simple, yet very effective, is the one that was proven 75 years ago by the Fuller Brush company; door to door sales. You are selling your skill as a home buyer to people who must sell. Your are there when they need you and you have the skill to help them solve at least part of their problem. With door to door prospecting you will learn more and buy more homes quicker than any other method. However, most people just won't walk door to door for three or four hours per week. OK, there are other ways. You can watch public notices for the announcement of foreclosure sales. Meeting with a home owner right after they've received a notice that they are about to lose their home allows you to deal with a very motivated seller. Other public notices that provide buying opportunities include probate, divorce and bankruptcy. You can follow the Homes For Sale listings in your local newspaper or Internet site. You can telephone the names found in these notices or, and this is the least time consuming, send a postcard expressing your interest in buying their property. It will produce buying opportunities, just not as many as personal contact. 3. After you've found a motivated seller you must understand how to frame offers that provide benefits for both you and for the home owner. A good real estate investor quickly learns that this is not a business of stealing property, but of solving problems in a way that benefits the seller. The home owner is in a tight spot of some kind and you can save them from public embarrassment and, in most cases, give them at least a little cash to get a new start. No investor can afford to leave cash in every deal. No one but Bill Gates has that much available money. You must use creative techniques like, leases, option and taking over mortgage payments. Little or no cash is needed for those deals. You can find plenty of reasonable priced educational material on those subjects in book stores or on EBay. The same education that seminars sell for thousands of dollars. 4. You make your profit when you buy! Never make a purchase until you've carefully determined exactly how you will get to your profit. If you hold it as a long term investment will the monthly rental income more than cover the monthly mortgage payment? Will you sell the deal to another investor for fast cash? Will you do some fix-up and sell the property for full value? Will you quickly trade it for a more desirable property? Have a plan before you buy. There you have four steps that even a part-time investor can execute in three to four hours per week. What's the missing ingredient? Your determination and perseverance. If you will unfailingly follow the plan for a few months you will be well on your way to financial independence.
  11. Katherine Farber

    Is Fall The Best Time to Sell and/or Buy Real Estate?

    Rent or Buy? Not sure if you should rent or buy? We can help you do the math — and make the right decision. Compare Costs If you’re serious about buying a home, fall might be the perfect time of year to make it happen. But it has a particular set of challenges too. There’s a reason people love the fall. After months of oppressive summer heat and humidity, autumn is the welcome relief: cool, crisp air and those colorful oft-changing landscapes. Anything pumpkin-flavored is a bonus too. But it’s not just the cool weather and football season that you should be excited about. “House hunting in the fall can be very successful,” says Patty Brockman, a licensed real estate broker at Windermere Stellar Real Estate in Portland, OR. Whether you’re looking at homes for sale in Santa Fe, NM, or New York, NY, autumn can prove to be a great time to buy. That’s not to say it doesn’t have its challenges, though. Here are the ways in which buying a home this season can reward you with big dividends or prove to be somewhat difficult. Pro: Sellers are serious As in, serious about selling their homes this time of year. “Even though there typically is less inventory, the people that put their homes on the market this time of year are more serious about selling — otherwise they would wait until spring,” explains Brockman. “Motivated sellers equals more flexibility during negotiations. There is often less competition from other buyers because families don’t like to move in the middle of a school year, people’s lives are caught up in sports and holidays, and generally, there is a cocooning effect that takes place as the days grow colder and shorter.” All of that means buyers are at a huge advantage when house hunting in the fall. Pro: Inventory is low So while sellers are likely to be more motivated to sell, when it comes to the amount of homes on the market, it’s slim pickin’s this time of year. However, the upside to low inventory is this: “Since the supply of listings shrinks this time of year, it’s easier to narrow down the list of your top properties,” says Justin Udy, a real estate agent with Century 21 Everest Realty Group in Midvale, UT. Con: Foul weather The same way snow and sleet and freezing rain can wreak havoc on your flight to the Caribbean for New Year’s, it can also seriously impede your desire to get out of the car — let alone get out of your sweatpants to go house hunting in the first place. “Who really wants to slosh around in the rain all day, looking at houses?” asks Brockman. Con: Daylight waning That whole “fall back” premise can be a little speed bump in the house-hunting process. “Buyers are faced with having to get out early from work to see properties or only look on weekends in order to fully ‘see’ a property,” says Brockman. “If it’s dark out, how can you get a thorough look at the exterior of the property? The neighborhood? Before making the decision to write an offer, you will have to see it in the daylight, so this can mean multiple trips to the same properties. In a competitive market, you could lose your window of opportunity.” Pro: There’s less competition While the bulk of buyers rushed to get into their homes before the first day of school, you’re in luck as a small minority of buyers looking to purchase a home in the fall. “This means you have more time to look and the time necessary to properly negotiate a great deal in terms of price and terms that fit your needs,” explains Udy. “This also means you’re not up against as many multiple-offer situations.” Con: There’s more competition While locales such as New England and the Midwest see a dip in real estate activity come fall, other parts of the country such as Florida and Arizona where “snowbirds” flock during the cold winter months see an increase in potential buyers. “Differences in activity levels between seasons are very area-specific,” says Alin Zdroba, president and managing broker of Propertio Real Estate in Hollywood, FL. “I can attest that in south Florida, such differences do not exist. While families go into a frenzy during the summer months, when schools are out and preparing for a new school year, October through April is our high season. Out-of-towners, or what we fondly call ‘snowbirds,’ pack our roads, restaurants, shops, and keep us, the ones in the real estate brokerage business, extremely busy during these months.” Pro: Move-in dates are (likely) flexible You probably won’t want to move on the eve of a holiday — or the day after. Which means that instead of having to negotiate a 30-day close, sellers are more likely to work with you on a doable time frame, says Udy. “It makes it easier to negotiate delayed closings or extended occupancy dates. Most people do not want to move during the winter and the holidays and are more flexible with dates and deadlines.” Pro: Negotiating is easier When a seller is motivated to sell, they’re more likely to negotiate a bit more with a buyer. “A homeowner listing their home during the fall and winter months is more than likely a very motivated seller on a timeline,” says Ross Anthony, a real estate agent with Willis Allen Real Estate in San Diego. “Listing a home and complying with showing times, open houses, and everything else that comes along with it can be stressful year-round but is even more amplified during the holidays. Buyers can capitalize on this urgency and use it to their advantage during negotiations.” Call The Lynchburg Team - Lynchburg Real Estate Services LLC today for your free marketing analysis or buyer consultation: 434-879-3275 or email Contact@thelynchburgteam.com. Source: Blake Miller and Trulia http://www.trulia.com/blog/house-hunting-seasons-autumn-highs-lows/?ecampaign=cnews&eurl=www.trulia.com%2Fblog%2Fhouse-hunting-seasons-autumn-highs-lows%2F