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Ready for that

new mortgage but still wondering

Who can you TRUST Maybe it’s time you got to know the folks at

BENCHMARK.

A top-ranked locally owned community bank, Benchmark has always been known for its responsible lending practices.

Sub-prime loans have never been part of its plan and they never will.

Benchmark mortgage officers work to get you the best rate and terms that they can while making sure you’ll be on solid ground for the life of the loan. In short, you can trust them to take you down the right path.

Call Kim at 392-9088

So if you’re thinking of buying a home or looking to refinance, call Benchmark. Located throughout Southside Virginia, www.BCBonline.com

there’s a branch near you.

3

Prince Edward~MLS#37816~$349,900

4 Bedrooms~3 Baths~3,666 sqft.~20 Acres Grand Staircase~Barn for Horses~Owner Agent

Prince Edward~MLS#38770~$205,000

3 Bedrooms~2 Baths~1,798 sqft.~1.51 Acres Lg Kit w/Island~Sunroom~Landscaped Yard

Farmville~MLS#38859~$199,900

3 Bedrooms~2 Baths ~1,694 sqft.~0.62 Acre New Build~Located in Jesses Ridge~Owner Agent

Lunenburg~MLS#39142~$149,000

3 Bedrooms ~2.5 Baths~1,536 sqft.~0.69 Acre Basement~Outbuildings~Corner Lot~Garden Area

4

Farmville~MLS#38869~$197,500

3 Bedrooms~3 Baths~2,536 sqft.~0.35 Acre Open Areas~Spacious~Basement w/Garage

Cumberland~MLS#38231~$369,900

4 Bedrooms~3.5 Baths~4,700 sqft.~6.06 Acres Custom Features~Basement~ Edge of Farmville

Cumberland~MLS#38425~$329,900

4 Bedrooms~3 Baths~2,871 sqft.~4.74 Acres Master Suite~Updated Throughout

Farmville~MLS#38900~$149,900

3 Bedrooms~2.5 Baths~1,460 sqft.~0.63 Acre Well Kept~Close to LU~Nice Decks~Owner Agent

Prince Edward~MLS#38650~$268,500

4 Bedrooms~3 .5 Baths~2,968 sqft~ 6 Acres Lg. Kitchen~Master Suite~Privacy Fence

Cumberland~MLS#38925~$239,900

4 Bedrooms~2 Baths~2,648 sqft.~4.09 Acres Historic “Needham” House~ Great Details Throughout

Prince Edward~MLS#39116~$210,000

2 Bedrooms~2 Baths ~1,949 sqft.~1.50 Acres Large Rooms~Unfinished Upstairs~3-Car Garage

Charlotte~MLS#38974 $75,000

2 Bedrooms~1.5 Baths~1,345sqft.~1.33 Acres Recently Updated~Garage~Bonus Spaces

Farmville~MLS#38870~$249,900

3 Bedrooms~2 Baths~ 2,727sqft.~0.35 Acre Nice Home~Great Area~1-Car Garage

Cumberland~MLS#38803~$199,900

2-Story Home Needs Restoring~54.10 AC Fields~Road Frontage~Nice Trees

Halifax~MLS#28108~$224,900

3 Bedrooms~2 Baths~2,464sqft.~27.01 Acres Full Basement~Outbuildings~Perfect Horse Farm

Buckingham~MLS#38780~$259,900

3 Bedrooms~3 Baths~2,010 sqft.~11.50 Acres Wood Floors~Lg. Outbuilding~Addt’l Cabin

Charlotte~MLS#38953~$69,000

3 Bedrooms~1.5 Baths~1,142 sqft~0.50 Acre Nice Decks ~Garden Area~Storage Shed

Cumberland~MLS#38564~$219,900

5 Bedrooms~4 Baths~3,161 sqft.~0.90 Acre Spacious~Full Basement~Great Location

Lunenburg~MLS#38589~$59,000

2 Bedrooms~1 Bath~1,506 sqft.~0.95 Acre Updated Kitchen~Covered Porch~20’x22’ Garage

Cumberland~MLS#38225~$149,900

3 Bedrooms~2.5 Baths~2,000 sqft.~0.70 Acre Basement~Deck~Landscaped Yard~Storage Sheds

Buckingham~MLS#38760~$325,000

3 Bedrooms~1 Bath ~1,620sqft.~197.84 Acres Recreation Cabin ~Good Timber~Road Frontage

Prince Edward~MLS#37605~$74,900

2 Bedrooms~1 Bath~1,362 sqft.~1.15 Acres Refinished Floors~ New Paint~Owner Agent

Farmville~MLS#39143~$125,000

4 Bedrooms~2 Baths~1,428 sqft.~0.78 Acre Great Rental Opportunity~ Close to Longwood U.

Farmville~MLS#38651~$975,000

15,000sqft.+ Historical Building ~0.198 Acre Excellent Location~Unlimited Possibilities

Farmville~MLS#38858~$159,900

3 Bedrooms~2 Baths~1,327 sqft.~0.45 Acre New Construction~Deck~Owner Agent

Cumberland~MLS#38128~$99,900

3 Bedrooms~2 Baths~1,200 sqft.~2.15 Acres Renovated~Deck~Private Area

Farmville~MLS#38916~$3,500,000

3-Story Modern Professional Building~1.80 AC Parking Lot~Across from Hospital~Long-term Tenants 5

Prince Edward County         

 

Lots at Walnut Hill Estates. Sizes & Prices Vary.

Owner Agent 25.28 AC: Close to town of Farmville, Great Development Potential. MLS#39167 $1,500,000 Lots at Stonewood. Sizes & Prices Vary 4.79AC: Wooded Lot , Fronts A Pond. MLS#38824 $22,500 32.78 AC: Great Hunting Land, Not Buildable Owner Agent MLS#34647 $39,900 8.40 AC: Wooded, Creek, & Homesite MLS#36819 $19,900 17.44 AC: Close to PE State Forest & Sandy River Reservoir Owner Agent MLS#38226 $29,900 7.60 AC: Road Frontage & Recently Planted in Loblolly Pines MLS#38978 $24,900 4.59 AC: Building Lot in a Private Area, Close to Hwy 460 MLS#38047 $9,000



        

Cumberland County

52.39 AC Wooded, Stream, Private MLS#37786 $129,950 54.10AC: Wooded & Open Land, Old Home.

MLS#38803 $199,900

Appomattox County 

Buckingham County

51.74AC: Fronts on 2 Rds, Nice Hunting Spot.

MLS#38855 $104,900 1.15 AC: Wooded Building Lot, Close to State Forest MLS#36796 $14,900

   

109.97 AC Cabin, Next to State Forest. MLS#36920 $210,000 32.66 AC Fronts North River, Owner Agent.

MLS# 34287 $69,900 12.05 AC: Wooded Homesite, Perc Site, Owner Agent. MLS#37787 $38,900 Large Building Lots on Red Road. Sizes and Prices Vary. Owner Agent 71.31 AC with Mountain Views & North River Frontage. Owner Agent MLS#38954 $99,900 28.08 AC: Young Pines, & a Great Location.

MLS#32214 $80,000 8.51 AC: Wooded Lot, Convenient to Scottsvile or Dillwyn. MLS#36795 $19,900 Lots at Apple Blossom Subdivision. Sizes and Prices Vary, Owner Agent.

3.01 AC: Residential Lot, Perk test, and Survey.

MLS#10796 $25,500

Charlotte County

179.87 AC: Wooded, borders Reservoir, 80x80 Metal Building. MLS#39100 $1,000,000 130.24 AC: Wooded, Interior Road & State Road Frontage. MLS#38646 $298,480 4.63 AC: Wooded, Recreational Right to 2 Lakes, Camper. MLS#39005 $29,900 30.72 AC: Long Road Frontage, Pond, & Close to Keysville. MLS#39101 $99,000

Other Counties Lunenburg Co: 115 AC Wooded, Trails, Bold Creek, & Good Hunting MLS#39098 $230,000 Nelson Co: 51.10 AC: Pond, Private, Hardwoods, & State Road Frontage.MLS#39060 $150,000  Halifax Co: 17 AC: Great Hunting Land or House Site, Creek. MLS#38785 $34,000 Lunenburg Co: 18.28 AC: Road Frontage, Borders Lyle Creek, Wooded, Owner Agent. MLS#38945 $39,900 *Call State Wide Realty to Find Just the Right Property for YOU* 





6

Janet Miller

Real Living Cornerstone 238 N Main St. Farmville, VA

434 390-7977 JanetMillerHomes.@gmail.com 82 ACRES W/BARN

MLS 38365 FARMVILLE/CUMBERLAND CO.

PRICE REDUCED

MLS 37384 FARMVILLE $179,900

PRICE REDUCED

MLS 38741 KEYSVILLE $99,900

MLS 38520 AMELIA $135,500

NEW LISTING

MLS 39182 APPOMATTOX $90,000

MLS 38765 CUMBERLAND $129,900

PRICE REDUCED

MLS 38994 DILLWYN $84,900

NEW LISTING

MLS 38674 DILLWYN $87,500

PRICE REDUCED

MLS 38959 CREWE $49,500

MLS 38872 CUMBERLAND $69,000

NEW LISTING

MLS 39127 CHARLOTTE CO. $47,900

MLS 39114 DILLWYN $64,500

NEW LISTING

MLS 39157 BOYDTON $29,900

To view more details and photos of all my listings, please visit: www.JanetMillerHomes.com

7

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Buckingham Co - 5 minutes to Farmville 3 bedroom, 3 bath with Exceptional Views! Oversize two car garage.

MLS# 38393 $359,000

Farmville 4 bedroom, 3 bath, garage, and free-flowing interior. additional lot included MLS# 36966 $269,000

Farmville 5 bedroom, 3 bath home that over looks lake.

Newly remodeled. Full finished walkout basement. Two car garage. MLS# 38197 $245,000

Green Bay Private 3 bedroom, 2 bath, 8 acres. Creek.

MLS# 37486 $179,950

Cumberland 89.475 mostly wooded acres.

MLS# 39135 $268,420

Buckingham Multiple building lots available.

Contact me to buy one or all of them.

MLS# 37865, 66, 67, & 68 Lots start at $16,400

10

Buckingham County Custom 3 bedroom, 3 bath, Unfinished second floor. Partially finished basement. 5 acres! MLS# 38810 $309,000

Charlotte County Custom 3 bedroom, 3 full bath on 16+ acres. POND! Basement.

Deck extends the length of the house.

MLS# 38008 $279,000

Cumberland County 3 bedroom, 2 bath between Farmville and Cumberland C.H. Outbuilding. 3 acres open.

Priced to SELL MLS# 38847 $85,000

Prince Edward County 3 bedroom, 3 bath. Full basement, partially finished. Awesome master. Storage shed and lean-too. MLS# 38368 $169,000

Prince Edward County Investors! Town of Farmville!

Tentative subdivision layout for as many as 105 building sites.

MLS# 34640 $289,000 67.28 acres, cut-over with creek.

MLS# 38341 $129,500 3.5 acres, wooded MLS# 37612 $34,900 8.18 acres, wooded, stream MLS# 33745 $28,900 Buckingham County 26.67 acres, mostly open.

MLS# 38383 $88,000 14.99 acres, wooded MLS# 38384 $51,100 7.9 acres, mostly open acres.

Nice views. MLS# 38385 $43,500 12.08 acres, open MLS# 37804 $22,000

Dillwyn 3 stall horse barn w/tack room, 3 fenced in pastures. Dog kennel for 12. 2 sheds.

11+ acres, adjoins the Little Willis River.

4 bedroom, 2 bath home. 15 minutes to Farmville. MLS# 39195 $249,900

Dillwyn Nice 3 bedroom, 1 1/2 bath home built 1984.

Second building. Storage shed with lean-too.

MLS# 39096 $139,900

Cumberland County 8.42 acres, wooded MLS# 31755 $27,500 7.1 acres, wooded MLS# 35696 $26,000 3 acres, wooded MLS# 31752 $13,000 Nottoway County 1.25 acres, wooded MLS# 32562 $20,000 Appomattox County 14.9 mostly wooded acres.

MLS# 39063 $45,000 Lunenburg County 67.27 acres, wooded w/creek.

Long road frontage.

MLS# 38342 $169,000

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Janice Huddleston 434-315-1231 Cell

janice@lafoonrealty.com www.lafoonrealty.com

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Rebecca P. Simpson $GYDQWDJH 3OXV 6RXWK 0DLQ 6WUHHW )DUPYLOOH 9$

MLS 36299 Farmville - PE County Close to Town. Wood floors throughout!

3 bedroom, 2 1/2 bath home offers plenty of space to entertain. Basement. $263,900

MLS 39053 Cullen Beautiful brick ranch with 2 car attached garage, detached garage/shop on 2.941 ac. This quality built house offers 3 bedrooms and 2 full baths.

It has a large deck off the back. Property is surrounded by farmland. $169,000

MLS 37046 Charlotte CH 3 Bedrooms, 2 Baths, Formal LR & DR, 12.02 Acres.

Pool, and Pool House, 4 Stall Run-in. $189,900

MLS #39112 Farmville 3 bedrooms and 2 full baths. Nice 12x12 deck. Two sheds, one with electric. PAVED DRIVEWAY!!

Beautiful setting. $189,900

MLS 36549 Drakes Branch 6800 Sq.Ft. retail/ professional business. Apartment in back. Assessed for $111,604. $99,900

16

434-547-7263 Cell RebeccaSimpson@Remax.net Call Rebecca for ALL your Real Estate needs!

MLS 38571 Amelia Service station, convenience store, house, apartment, and shop! Currently leased.

Great income potential. $450,000

MLS 38640 Farmville, Buckingham County 20+ acres w/horse barn, 33x24 & 24x24 buildings w/220 amp. Land backs up to STATE FOREST. Full stocked pond and a stream.

4 bedroom, 2 bath home. $234,900

MLS 39016 Prospect 3 bedroom, 2 bath home, Mini farm-37x35 Stable/barn/workshop, 24x40 2 stall barn, Fenced fro horses. Gold fish pond. Large side porches and front porch. Private 4 acre setting. $149,900

MLS 38305 Buckingham Co. 3 Bedroom, 2 1/2 Bath Cape on 2 lots. 10X16 Shed with loft and electricity. Dog kennel w/lights & concrete.

Large Yard $169,900

MLS 37427 Dillwyn 3 bedroom, 1 1/2 bath home remodeled in 2010. 2 heat pumps.

New large patio. Shed with electric. 1.4 Acres. $129,900

MLS 32924 Keysville - Commercial Located on Highway 360! Great Traffic for Any Business! $99,900

MLS 38030 Rice Custom 3 Bedroom, 2 Bath home with hardwood floors throughout. Sunroom.

Basement garage with storage area.

Shed $182,000

MLS 39187 Buckingham Co. 5 Bedroom home with many new upgrades. HUGE 30x35 shop with 200 amp service.

This home is ready to move in! $149,900

MLS 38641 Farmville, PE Co New construction. 3 bedrooms, 2 baths, vaulted ceiling in living room, chair rail in dining area. Attach 2 car garage. Can't beat the quality and the price! $167,900

MLS 38592 Farmville Like new 3 bedroom, 2 bath house with covered front porch, lg deck, patio and shed. 1.5 acres. $169,900

MLS 38555 Brookneal 11 unit motel w/2 bedroom apartment.

6 units currently rented monthly for $3400 total. All rooms have microwave, refrigerator and cable TV. GREAT INCOME! Need some updating. $149,000

MLS 38614 Appomattox 3 bedroom, completely remodeled. Floored attic for possible storage or expansion. Hardwood floors, Nice yard. $124,900

MLS 37040 Prospect MLS 38397 Charlotte CH 3 Bedrooms, 2 Baths, Triple Large 3 bedroom, 2 bath douwide on 1.6+ Acres. Like New. blewide, 1.5 acres. Front and 1824 sq ft! $119,000

MLS #36657 Several Beautiful Building Lots on 740 acre Sandy River Reservoir.

(Most lots Water Front) $75,000 to $99,000

MLS 37429 Farmville 2 Bedrooms, 2 Baths, Renovated. Shed and Carport included. $64,900

back decks. $84,900

MLS #37428 Farmville 2 Bedroom, 2 bath with many updates.

Shed. $49,900

Rebecca P. Simpson

434-547-7263 Cell

$GYDQWDJH 3OXV 6RXWK 0DLQ 6WUHHW )DUPYLOOH 9$

Patriot Ridge Shopping Center Development Rt. 60 Cumberland Co. 20.6 acres. Site plan w/ lots approved. $875,000

RebeccaSimpson@Remax.net

Call Rebecca for ALL your Real Estate needs!

MLS 38887 Charlotte County 162.84 acres with 8/10 of a mile of road frontage. 45 acres in open land, 30 acres in timber (cruised a few years ago with a value of $50, 000) and rest in planted pines. One lake, two ponds and a creek. Single wide on permanent foundation offer 2 bedrooms and two baths. Completely redone in 1985.

Beautiful views! $599,000

MLS 38718 Farmville (Cumberland Co) 4 Bedroom, 3 bath home, detached 2 car garage w/lean-to, Stage house w/half bath, Pavilion w/full kitchen. Two full camper hook-ups. Bath house w/sink & commode. Fruit trees. 7.32 acres of Possibilities! $249,900

MLS 37526 Pamplin 5 bedroom, 3 1/2 bath log home nestled in woods w/ rights to a 25 acre lake.

Fenced area for pets, two metal carports, generator.

Additional 9.07 ac available.

Basement $239,900

Financing Country Living Since 1916 The Experts in Rural Finance Homes â&#x20AC;˘ Land â&#x20AC;˘ Construction â&#x20AC;˘ Livestock Barns â&#x20AC;˘ Outbuildings â&#x20AC;˘ Equipment

NMLS# 585525

800.777.8908

ColonialFarmCredit.com

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A DIFFERENT KIND OF MORTGAGE LENDER Whether itâ&#x20AC;&#x2122;s purchasing your first home, upgrading to a larger one or refinancing to lower your payment or pay off debt, Embrace Home Loans continues to help our neighbors finance their dreams. Call or apply today to get pre-approved and make your dream come true!

Conventional â&#x20AC;¢ USDA â&#x20AC;¢ FHA â&#x20AC;¢ Renovation VA â&#x20AC;¢ JUMBO â&#x20AC;¢ Manufactured Homes Virginia Housing Development Authority Larry Montecino Senior Loan Officer NMLS# 423572 ph cell

434.237.5111 x3399 540.521.3430

lmontecino@embracehomeloans.com

apply at www.embracehomeloans.com/larry-montecino

103 A Paulette Circle Lynchburg, VA 24502

Embrace Home Loans, Inc. NMLS ID # 2184 (www.nmlsconsumeraccess.org) is licensed in VA.

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4 bedroom, 2 bath home in the town of Dillwyn on main street. Many upgrades. Original hardwood floors and 6 inch base molding.$149,900

111 Mostly Wooded Acres on Rt 24

Buckingham lot offers creek and 2 ponds both stocked.

Excellent hunting and recreational property w/trails. $185,000

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Beautiful 3 bed cape cod located in Buckingham Courthouse area. Hard wood flooring throughout. Walkout basement, crawl space, and attic. $114,900

Acreage in Prince Edward County

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Residential lot. 8 miles from James River, 11 miles from Bear Creek Lake, and 50 miles from Richmond. Stream on rear of property and gated entrance. $41,500

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Kenbridge Office

(434) 676-3329 124 S. Broad Street Kenbridge, Va 23944

Johnny Seamster 434-480-0122

www.MOPVA.com

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