🍂 Thanksgiving Client Appreciation Pie Giveaway – A Sweet Tradition at Lynchburg’s Finest

Every year, we look forward to one of our favorite traditions; our Thanksgiving Client Appreciation Pie Giveaway. It’s a simple but meaningful way for us to reconnect with the wonderful clients who continue to trust our team year after year.

This year's giveaway featured delicious pumpkin pies from Chestnut Hill Bakery and homemade sourdough bread. Clients stopped by our office recently to pick up their pie, enjoy a charcuterie board, and share great conversation as we kicked off the holiday season together.

It’s always a client favorite, a warm moment to pause, say thank you, and celebrate the relationships that make our work so rewarding. We’re grateful for each of you, and we loved seeing everyone who joined us for this year’s event. We served nearly 200 clients this year!

From our team to your family, we wish you a wonderful holiday season with joy, gratitude, and great memories. đŸđŸ„§

Lynchburg’s Finest Christmas Party 2025

What a wonderful night celebrating our incredible agents! Great company, delicious food, and a room full of people who pour their hearts into serving clients and supporting one another. We are so grateful for each of you.

This year’s theme was “The Pivot Year”

Each agent received a companion book... to notice where life and business already feel aligned, and where small, intentional shifts could bring more ease, more joy, and more abundance in 2026.

Here’s to you - LF Agents.

Here’s to the year you’ve just lived.

And here’s to the most aligned, successful, and fulfilling version yet of your life and business in 2026.

Mortgage Market Update: What Buyers Need to Know This Winter

As we enter the final weeks of 2025, the housing market is showing signs of renewed energy — and for those considering buying a home this winter, there are some exciting trends to watch.

📉 Lower Long-Term Rates Offer New Opportunities
Mortgage rates have ticked downward in recent weeks, giving buyers a bit of breathing room after several years of sharp rate hikes. Whether you’re a first-time buyer or looking to move into a larger space, locking in a lower rate this season could be a smart move.

Here’s where things stand as of mid-November:

🔎 Purchase & Refinance Rates

30-Year Fixed (FHA): 5.750%, 0.479-point
30-Year Fixed (VA): 5.990%, 0.434-point
30-Year Fixed (USDA): 5.980%, 0.875-point
Conventional 1st-Time Buyer: 5.875%, 0.375-point
Conventional Non-1st-Time Buyer: 6.125%, 0.375-point
20-Year Fixed Conventional: 5.875%, 0.671-point
15-Year Fixed Conventional: 5.375%, 0.500-point

💡 Note: These rates are for well-qualified buyers with excellent credit (780+). Individual rates will vary based on credit profile and loan type.

đŸ—“ïž Economic Uncertainty & Policy Developments
The November 12 end to the 43-day government shutdown has delayed economic data, making forecasting more complex. But markets currently reflect a 55% chance of a Federal Reserve rate cut at the December meeting — a move that would further improve affordability for homebuyers.

In addition, new policies are being discussed to boost homeownership access. The administration is working with the Federal Housing Finance Agency (FHFA) to explore 50-year mortgages and even portable mortgages, which would allow a mortgage to transfer to a new home. While these ideas are still in early stages and face implementation challenges, they reflect ongoing efforts to innovate and support buyers.

🎯 What This Means for You
Winter is often a strategic time to purchase a home — less competition, more motivated sellers, and new construction inventory becoming available. With financing trends slowly improving, this could be your moment.

📞 Ready to Make a Move?
Whether you’re dreaming of a new build, your first home, or a fresh start — our team is here to help.

Contact Lynchburg’s Finest Real Estate today:
đŸ“± 434-439-4211
📧 contactus@lynchburgsfinest.com

Let’s explore your options and connect you with the right lender, builder, or home.

Virginia REALTORSÂź Housing Market Report

October 21, 2025

Market Overview

  • Sales Up: 8,783 homes sold in September — up 8.9% from last year, continuing the upward trend since June.

  • Median Price: $420,000 (+0.2% year over year).

  • Sold Volume: $4.7 billion statewide — a 13.1% increase from 2024.

  • Inventory Growth: 24,759 active listings (+25.3%), reflecting both more new listings and slower sales pace.

  • Days on Market: 20 days (median), up from 14 last year — still a fast-moving market.

Economic & Mortgage Trends

  • Mortgage Rates: Average 30-year fixed = 6.27% (as of Oct 16), down from the upper 6s earlier this year — helping boost buyer activity.

  • Job Market: Virginia added 7,200 jobs in August (4.28 million total). Healthcare and administrative services led growth, while federal and finance sectors saw declines.

  • Unemployment: 3.6%, still below the national rate of 4.3%.

What to Watch

  • Rate-sensitive buyers are returning as rates stabilize in the low 6% range.

  • Expanded inventory is giving buyers more choices — a welcome shift from the tight markets of recent years.

  • Economic uncertainty and federal layoffs may soften activity later this year.

Key takeaway: Virginia’s market is showing renewed momentum — sales and listings are up, prices are steady, and buyers are re-engaging as rates ease.

Government Shutdown & Housing Market Impact

A government shutdown won’t immediately halt mortgages — Fannie Mae & Freddie Mac have policies in place to keep loans moving. Lenders can use flexible verification, furloughed workers can still close, and forbearance options exist.

But delays are real:

FHA, VA & USDA loans may see processing slowdowns or pauses.

USDA loans (common in rural areas) could stall entirely.

Flood insurance (NFIP) lapses could block closings in flood zones — affecting up to 40,000 sales per month.

If the shutdown drags on, borrowers will need to be prepared for a delayed closing.

Bottom line: conventional loans will continue, but government-backed loans and flood insurance closings face real risk of delay. Buyers, sellers, and lenders should prepare for uncertainty.

Why Buyers LOVE Quality New Construction in our Region

There’s something special about walking into a brand-new home — the clean lines, modern layouts, and the knowledge that everything is fresh and built just for you. In Forest, VA, demand for new construction homes is up and it’s easy to see why.

At Lynchburg’s Finest Real Estate, we’ve seen firsthand what today’s buyers are looking for: craftsmanship, energy efficiency, smart design, and the peace of mind that comes with new systems, warranties, and low-maintenance living.

Why Buyers Love New Construction in Forest:

✅ Modern Features & Finishes – From open-concept kitchens with quartz countertops to spa-like primary suites and custom tile work, new builds reflect the way people want to live today.

✅ Energy Efficiency – New construction homes are built with today’s energy standards in mind, saving you money on heating, cooling, and overall utility costs.

✅ Smart Layouts – Flexible spaces like home offices, bonus rooms, and guest suites are more than just nice-to-have — they’re now expected.

✅ Lower Maintenance – No aging HVAC systems, no old roofs, and no “surprise” repairs in the first few years. Move in, relax, and enjoy your new home.

✅ Prime Neighborhoods – Communities like West Crossing in Forest offer the perfect blend of privacy and convenience, with beautiful landscaping and quality construction by builders like Crosswinds Construction Company. Also, lower taxes in Bedford County and great schools.

🏡 Looking for your dream home in Forest, VA?

We currently have multiple new construction homes available on Bravo Lane, with options starting in the 700s. These homes offer exceptional craftsmanship, modern design, and one of the most desirable locations in Bedford County.

📞 Call us at: 434-439-4211
📧 Email: contactus@lynchburgsfinest.com
Let our team at Lynchburg’s Finest Real Estate help you explore what new construction has to offer — and find the perfect place to call home.

🏡 Virginia Housing Market Update – What Buyers and Sellers Should Know This Spring🏡

If you’ve been wondering what’s going on in the Virginia housing market, you’re not alone. The latest update from Virginia Business shares some interesting news about what’s happening—and what might be around the corner.

Here’s the big picture:

  • Fewer Homes Are Selling Right Now
    Home sales across Virginia dropped again in April. Compared to the same time last year, about 74 fewer homes were sold. That’s a small dip—less than 1%—but it’s part of a larger trend that’s been happening for a few months.

  • More Homes Are Hitting the Market
    While sales have slowed a bit, the number of homes for sale has gone up—by more than 35% compared to last April. This is the biggest increase in listings we’ve seen in years. More inventory means buyers have more options to choose from.

  • Where You Live Still Matters
    Not every part of the state is seeing the same trends. Some areas, like Northern Virginia and Richmond, saw an increase in sales. Other regions, such as parts of Southwest Virginia, saw declines. Every local market is a little different.

  • Why Is This Happening?
    A mix of economic uncertainty and higher mortgage rates has made some buyers more cautious. There are also job cuts and concerns tied to federal budget changes. All of this adds to the hesitation some people are feeling about making a move.

Good News for What’s Ahead
The forecast isn’t all cloudy. Virginia REALTORS¼ predict that sales will bounce back later this year and into 2025. Lower mortgage rates and the growing number of homes on the market could bring more buyers off the sidelines.

Bottom Line:
If you're thinking about buying or selling, now is a smart time to talk with a trusted Realtor¼. With more homes available and positive signs for the months ahead, we’re here to help you navigate the market and make the most of your move.

—

This update is based on the article “Virginia housing sales drop again, but listings spike 35.5%” by Josh Janney, published in Virginia Business. You can read the full article here: Virginia Business.

Early 2025 Housing Market Update

🏠Lynchburg Area Real Estate From Virginia Realtors🏠

As we moved into the spring market, the Lynchburg Area housing market showed steady signs of resilience even with high interest rates still impacting many buyers' decisions.
Here’s a snapshot of what’s happening right now:

🔑 Key Takeaways

  • Sales Activity:

    • Total sales dipped slightly by 3.1% compared to last March.

    • Lynchburg City had the largest decline (-12.8%) in sales.

    • Appomattox County and Amherst County bucked the trend, posting more sales year-over-year.

  • Pending Sales:

    • Stayed steady with a 0.3% increase across the region.

    • Appomattox County saw an impressive +90.9% jump in pending sales!

  • Prices Are Rising:

    • The median sales price increased to $299,100, up 4.9% from last year.

    • Amherst County posted the strongest price gains, with home prices up +18.9%.

  • Inventory Growing:

    • Active listings rose by 21.9%, providing more options for buyers.

    • Months of supply also crept up to 2.7 months, a 12.2% increase from last year.

  • Interest Rates:

    • 30-Year Fixed: 6.83%

    • 15-Year Fixed: 6.03%

📈 Quick Visuals

🏠 What It Means for Buyers and Sellers

  • Buyers:
    With more homes hitting the market and some areas seeing small price dips (especially condos and townhomes), spring might offer a slightly more balanced market — but competition remains strong for move-in-ready homes.

  • Sellers:
    Median prices are holding strong or rising in most areas, meaning it's still a great time to sell — especially in places like Amherst and Campbell Counties, where demand appears robust.

  • Investors:
    Inventory growth may signal opportunities, especially for single-family homes in expanding markets like Appomattox and Campbell.

đŸ—ș Local Highlights

  • Bedford County: Median sales price rose 7.8% to $366,500

  • Amherst County: Saw a 23.8% increase in total sales

  • Campbell County: Median sales price climbed 12.1% to $325,000

  • Lynchburg City: Median home prices dipped slightly (-2.9%)

🏡 Home prices are holding strong in our area!
Single-family homes and condos show how prices have evolved over the past three March markets.

📱 More homes are hitting the market!
Inventory levels are steadily rising — giving buyers more options this spring.

🌟 Wondering where the homes are selling?
Here’s a look at which counties led the way in March 2025! 📍
Ready to find your perfect spot? 🏡

📱 Final Thoughts

While overall sales dipped slightly in March, home prices continue to trend upward in much of our region, and buyer activity remains healthy.
The increased listing inventory could give buyers a little more breathing room this season — but well-priced homes are still moving quickly.

👉 Need advice on buying or selling this spring?
Contact our expert team at Lynchburg’s Finest Real Estate today to take advantage of this dynamic market!

Hurricane Helene Relief Mission: A Community United!

Lynchburg’s Finest Real Estate, led by Jessica Oliver Realtor, is beyond grateful for the incredible support we received this past weekend. Your generous contributions of time, donations, money, and prayers truly made a difference.

We are thrilled to announce that we raised $2,000 and filled an entire box truck with essential supplies—from water, food, hygiene products, and pet food to sleeping bags and clothes—ready to aid those impacted by this devastating storm.

A special thank you to Heather Campbell, a nurse at Mission Hospital in Asheville, for delivering these donations directly to the communities in western North Carolina. Your compassion and dedication are inspiring!

We’ve always been proud to call Lynchburg home, but this outpouring of generosity makes us even prouder. Thank you for standing with us to help those in need!

#CommunityStrong #HurricaneHeleneRelief #LynchburgGivesBack #helpinghands

2024 Local Real Estate Outlook

Principal Broker Betsy Ferguson gives us an idea of what to expect this year


Discussions with Sellers

I've been noticing a lot more “as is” listings lately. As a savvy local investor in our market it saddens me to see sellers leave money on the table. Listing “as is” isn't something I advise.

I was talking to a seller client and we were discussing the things I suggested they do before going to market. They asked if they had to fix them (they do) because some buyers like fixer-uppers. So many of today's buyers simply don't have tools, the skill sets, the means, nor the inclination to fix things. Think about that when you're getting your home ready for the market — the people who you might have thought would fix up those things you don't want to do? There are fewer of them than you might expect.

2023 continued the 15-year-plus trend of too little inventory and more buyers than sellers. Market dynamics seen before (supply and demand), and dynamics unseen (skyrocketing rates and increasing rather than decreasing sales prices).

Short take for 2024: We are going to see more listings (sellers finally ready to sell), buyers ready to buy (same, and rates in the sixes is much better than the sevens or eights), and we are going to see a continued competitive market. What should you do? If you're having this conversation, I'd love to be a part of it. 434-941-8699

Example in Lynchburg + Surrounding Counties:

in the first 24 days of 2022 there were 210 new listings in the MLS

in the first 24 days of 2023, there were 217 new listings

in the first 24 days of 2024, there have been 267 new listings. Is this a trend, a sign of what 2024 will be, or nothing meaningful at all? We'll see.

The "normal" Lynchburg real estate market is the market we are in right now.

Fall Fun at Point of Honor - Lynchburg

Get ready for a day of fall fun at Point of Honor! The Day at the Point Fall Festival on Saturday, October 7 from 9 a.m. to 3 p.m. is the perfect way to welcome the autumn season. Take a carriage ride, see historic cooking demos, and watch as delicious cider is made on site. Enjoy live music, grab a bite at a local food truck, and so much more. This FREE event is perfect for the whole family!

FESTIVAL Address: 112 Cabell St, Lynchburg, VA 24504

Photos and information courtesy of Visit Lynchburg, VA

Celebrating 7 Years As Lynchburg's Finest Real Estate

On Wednesday, January 11, 2023, Lynchburg’s Finest celebrated it’s 7th anniversary. All our staff joined for the party. Betsy Ferguson, Principal Broker and Owner, joined by her husband Matt cut the cake and truly thanked our agents and staff for helping to make the brokerage a top 5 independent brokerage in Central Virginia. In addition, Lynchburg’s Finest has so much gratitude to all of you, our clients, that trusted LF Realtors to guide them home during the selling and buying process.

Here’s to many more years of Lynchburg’s Finest Real Estate

IF YOU ARE LOOKING FOR A RESULTS-DRIVEN REAL ESTATE EXPERIENCE, WE ARE SO GLAD YOU ARE HERE. WITH A COMBINED 50 YEARS OF EXPERIENCE IN THE BUSINESS, WE’VE ENGINEERED INDUSTRY-LEADING BUYER AND SELLER PROGRAMS AND MASTERED THE MOST EFFECTIVE STRATEGIES THAT WILL GIVE YOU THE RESULTS THAT YOU NEED, GUARANTEED.

Santa Visits Lynchburg's Finest Real Estate

It was wonderful to welcome Santa to Lynchburg’s Finest. During his pre-Christmas visit we invited our real estate clients and their children to sit on Santa’s lap. The children loved telling Santa what was on their Christmas lists and sharing a delicious dessert with Jolly Old St. Nick. Also, to be especially helpful to Santa and his elves, all the kids wrote a letter to send to the North Pole. Thank you to everyone who came out to make this evening a beautiful success!

7th Annual Client Appreciation Pie Event

Enjoy our 7th Annual Client Appreciation Pie Event. We look forward to seeing you there next year!

Happy Thanksgiving to our clients, family and friends!

I will give thanks to the LORD because of his righteousness; I will sing the praises of the name of the LORD Most High.

-Psalms 7:17

Catered by: Purple Door Gourmet Kitchen & Catering

Balloon Display: Fancy Balloons by Julie Hill

#clientappreciation #thankful #Thanksgiving #lynchburgsfinest #loveourclients #pie

Hedge Against Inflation

Are you looking for a HEDGE against inflation?

Owning a home with a fixed-mortgage rate mortgage locks in a homeowner's monthly mortgage payment and keeps it steady against any future rate hikes. Also, homeowners stand to gain over the long run! Homeowners that buy and hold their homes for at least 10 years have a 93% chance of selling their home for MORE than what they paid.

Source: National Association of Realtors

In the market or know of someone that is? Choose a higher road of service with Lynchburg's Finest, home starts here: www.lynchburghousesforsale.com.

#lynchburgsfinestteam #lynchburgrealestate #landforsale #Realtor #closetoeverything #BedfordCountyVA #libertyuniversity #teamworkdreamwork

New Blackwater Run Community

Our agents attended an open house at Blackwater Run . What a beautiful community and the gorgeous fall colors were stunning! Blackwater Run is being developed in the city of Lynchburg on over 100 acres right next to the Blackwater Creek Trail just off Rivermont Avenue. It's easy to access downtown and highway 29 making it the ideal location to be for restaurants and events in LYH!

Brand new construction homes starting at $500k

3 Construction Phases

Sidewalks, Walking Trails, and 3 Access Points to Blackwater Creeks Trail.

Annual Dues of just $150

Phase 1 is open, and Phase 2 has just started. Phase 3 will be available in 24 months with estate-size lots. Visit www.blackwaterrun.com or call 434.439.4211 to visit the community and tour a home.

More information to follow...stay tuned for videos!

#ourlynchburg #luxurylynchburg #lynchburgliving #lynchburgbusiness #downtownlynchburg #downtownlynchburgva #lynchburgva #lynchburgvirginia #lynchburgvabroker #lynchburgvarealtor #lynchburgvarealestate #lynchburgmom #lynchburglistings #mylynchburg #lynchburgva

IS IT STILL A GOOD TIME TO SELL? The Numbers say "YES"

FROM LAR MLS FALL 2022

FOREST AREA

Single Family Home Market Report

SEPTEMBER 2022

Inventory is still down & demand is still up. Less than a 30 day Supply. Price Per Square Foot is up to $159


Because YOU are vital to our safety and community, we want to say thank you to all Police, Fire Fighters, First Responders, Nurses, Military & Teachers. through our gratitude program. As part of this program, you receive a credit at closing on your Purchase or Sale. Be sure to contact us if you want to take advantage of this program! https://www.lynchburgsfinest.com/payitforward

Lynchburg Area Housing Market Report Year-to-Date

  • 2,969 sold properties residential and land

  • 51 average days on market

  • 664 currently under contract residential and land

  • Average sales price: $289,435 residential / $26,632 land

  • Active listings 822 residential and land

Approximately 1.5 Months of Inventory = A Seller's Market!

We are still experiencing multiple offers, quick closings, appraisals being waived, and of course cash is the seller's preference.

#lynchburgva #lynchburgmarket #lynchburgrealestate #movetolynchburg #relocatetolynchburg #lynchburgliving #lynchburgsfinestteam #marketreport

Data From Lynchburg Association of Realtors MLS | 8/21/22

Beautiful Area In So Many Ways For Finding The Perfect Home

From its south-central Virginia setting to its historic downtown, friendly neighbors and outdoor amenities, the City of Seven Hills offers locals the good life. Farmers Insurance and Sperling’s Best Places states ranks Lynchburg one of the top 10 most secure mid-sized cities in the United States.

Read the attached LYH article to find out more. One couple says it perfectly “Here, there are zero bad traffic days, zero red air-quality days. And they even got a taste of the mountains. “People don’t think of Lynchburg as a mountain town, but it sort of is,” Moradi adds. “We love the outdoor access. We can be on the Blue Ridge Parkway in 30 minutes.”

Lynchburg's Finest can help you find you the home of your dreams!

https://www.opportunitylynchburg.com/top-reasons-people.../

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