Bank of the James - Nationwide Branches

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Branch	Address	View Lobby Hours
Main Street Branch	828 Main Street, Lynchburg, VA 24504	View Lobby Hours
Bank Of The James	615 Church Street, Lynchburg, VA 24504	View Lobby Hours
Fort Avenue Branch	5204 Fort Avenue, Lynchburg, VA 24502	View Lobby Hours
Westminster-Canterbury Branch	501 Ves Road, Lynchburg, VA 24503	View Lobby Hours
Boonsboro Branch	4935 Boonsboro Road, Suite C, Lynchburg, VA 24503	View Lobby Hours
Madison Heights Branch	4698 S. Amherst Highway, Madison Heights, VA 24572	View Lobby Hours
Forest Branch	17000 Forest Road, Forest, VA 24551	View Lobby Hours
Amherst Branch	164 South Main Street, Amherst, VA 24521	View Lobby Hours
Bedford Branch	1405 Old Dominion Blvd, Bedford, VA 24523	View Lobby Hours
Altavista Branch	1110 Main Street, Altavista, VA 24517	View Lobby Hours
Charlottesville Branch	1430 Rolkin Court, Suite 203, Charlottesville, VA 22911	View Lobby Hours
Westminster-Canterbury Blue Ridge Br	250 Pantops Mountain Road, Charlottesville, VA 22911	View Lobby Hours
Harrisonburg Hight Street Branch	1391 South High Street, Harrisonburg, VA 22801	View Lobby Hours
Charlottesville 5th St Station Branc	225 Merchant Walk Ave, Charlottesville, VA 22902	View Lobby Hours
Appomattox Branch	1745 Confederate Blvd, Appomattox, VA 24522	View Lobby Hours
Roanoke Electric Road Branch	3562 Electric Road, Roanoke, VA 24018	View Lobby Hours

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Featured - 30 Year Fixed Mortgage Rates 2025

Lender	APR	Rate (%)	Monthly Payment	Learn More
NMLS ID: 1835285	6.093%	6.000% 1.00 points $3,200 fees	$1,919	Learn More
NMLS ID: 447490	6.365%	6.250% 0.75 points $3,910 fees	$1,971	Learn More
NMLS ID: 2890 License#: MBMB.850089.000	6.451%	6.375% 0.50 points $2,544 fees	$1,997	Learn More
NMLS ID: 757416	6.462%	6.375% 0.88 points $2,922 fees	$1,997	Learn More

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Featured - Home Equity Line Of Credit Rates 2025

Lender	APR (%)^?	Monthly Payment^?	Learn More
Third Federal Savings and Loan See Table	Intro APR 6.990 % After Intro: 6.990 %	$0	Learn More More Info
Conditions… Variable APR of Prime minus 1.01% in all states. Min loan amount $10,000. Max loan amount $200,000. 30-year term. Annual fee waived for the first year. See conditions for guarantee at thirdfederal.com. Third Federal rate are typically 20% lower than other leaders Guaranteed Lowest Rate No closing costs, prepayment penalties, or minimum draw requirements 10 year draw period
Figure Home Equity See Table	Intro APR 7.250 % After Intro: 7.250 %	$15,000	Learn More More Info
Available APRs range from 6.60% - 14.15*, which includes the payment of a higher origination fee in exchange for a reduced interest rate, which is not available to all applicants or in all states.(the advertised APR includes a combined 0.25% discount for opting into a credit union membership (0%) and enrolling in autopay (0.25%) as well as payment of higher origination fee in exchange for a reduced rate, which is not available to all applicants or in all states). The lowest APRs are only available to the most qualified applicants, depending on credit profile and the state where the property is located, and those who also select five year loan terms; APRs will be higher for other applicants and those who select longer loan terms. Rates change frequently so your exact APR will depend on the date you apply. APRs for home equity lines of credit do not include costs other than interest. You will be responsible for an origination fee of up to 4.99% of your initial draw, depending on the state in which your property is located and your credit profile. You may also be responsible for paying the costs of valuation if an AVM is not available for your property ($180), manual notarization if your county doesn’t permit eNotary ($380), and recording fees ($0 - $315) and recording taxes, which vary by state and county ($0-$1,400 per one hundred thousand dollars borrowed). Property insurance is required as a condition of the loan and flood insurance may be required if your property is located in a flood zone. Flexible terms, borrow $15K-$400K, redraw up to 100% Use to consolidate debt or finance your next home project 100% digital app & automated valuation Largest non-bank HELOC lender in the US
Achieve Loans See Table	Intro APR 10.625 % After Intro: 10.625 %	$0	Learn More More Info
Home Equity loans are available through our affiliate Achieve Loans (NMLS ID #1810501), Equal Housing Opportunity. Offers may vary and loan requests are subject to eligibility requirements, application review, loan amount, loan term, and lender approval. Product terms are subject to change at any time. Offers are a line of credit. Loans are not available to residents of all states and available loan terms/fees may vary by state where offered. Line amounts are between $15,000 and $300,000 and are assigned based on product type, debt-to-income ratio, and combined loan-to-value ratio. Minimum 600 credit score applies for debt consolidation requests, minimum 700 applies for cash out requests. Other terms, conditions and restrictions apply. Fixed rate APRs range from 8.75% - 15.75% and are assigned based on underwriting requirements; offer APRs include a .50% discount for automatic payment enrollment (autopay enrollment is not a condition of loan approval). Example: average HELOC is $57,150 with an APR of 12.75% and estimated monthly payment of $951 for a 15-year loan. 10, 15, 20, and 30-year terms available (20 and 30 year terms only available for cash out requests). All terms have a 5-year draw period with the remaining term being a no draw period. Payments are fully amortized during each period and determined on the outstanding principal balance each month and can fluctuate during the draw period. Closing fees range from $750 to $6,685, depending on line amount and state law requirements and typically include origination (3.5% of line amount) and underwriting ($725) fees if allowed by law. Property must be owner-occupied and combined loan-to-value ratio may not exceed 80%, including the new loan request. Property insurance is required and flood insurance may be required if the subject property is located in a flood zone. You must pledge your home as collateral. Contact Achieve Loans for further details. Competitive rates, Pre-qualify in minutes Mortgage Advisors standing by to help find the best solution Flexible terms with fast funding Minimum credit score: 640

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