Refinancing your mortgage can be a smart financial move under certain circumstances.  We’re always here to help you evaluate your individual situation but consider the following potential factors which may help determine whether the time is right for you to think about refinancing: Interest Rates: One of the primary reasons to refinance your mortgage is to secure a lower interest rate. If current mortgage rates are significantly lower than the rate you’re currently paying, refinancing could potentially save you thousands of dollars over the life of your loan. Improved Credit Score: If ..read more

We’ve all been there – stuffing our wallets with various cards, documents, and pieces of paper, thinking it will make our lives more convenient. However, this habit can actually put us at greater risk of identity theft and financial fraud if our wallets get lost or stolen. Financial security experts strongly recommend never carrying certain items in your wallet to protect your personal and financial information. Let’s discuss each below.  Should I Carry My… Social Security Card? Your Social Security number is the holy grail for identity thieves. It’s the key that unlocks access to your e ..read more

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Interfaith Outreach is able to have more of a community impact thanks to the support they get from Bank of the James ..read more

Old City Cemetery talks about how Bank of the James helped fund two of their structures ..read more

Downtown Lynchburg Association (formerly Lynch’s Landing) thanks Bank of the James for their support for revitalization events ..read more

Every day children are impacted by the Jubilee Center and the support Bank of the James provides ..read more

The Lynchburg Humane Society explains how Bank of the James helped 94% of their pets find homes ..read more

Lynchburg Daily Bread thanks Bank of the James for sharing in their good work ..read more