161 Mona Terrace, Fairfield (Beach), CT, 06824 | $679,000

Welcome to your refreshed and move-in-ready home, where comfort meets convenience. This 4-bedroom, 1-bathroom home has undergone a thoughtful renovation and offers tons of potential. As you step inside, discover the warmth of refinished hardwood floors and a fresh coat of paint that creates an inviting atmosphere throughout. The heart of this home, the newly renovated kitchen, is a practical haven for any home chef with its classic white cabinets, quartz counters, and stainless steel appliances. It strikes the perfect balance between functionality and style, making daily living and entertaining a breeze. The fully renovated bathroom offers a modern touch, while the bedrooms provide comfort and flexibility, along with plenty of closet space. Two bedrooms are on the main level, and two are upstairs, ensuring ample space for everyone. Nestled on a cul-de-sac, this home features a large flat backyard, perfect for BBQs, yard games, and outdoor gatherings, as well as an oversized 1 car detached garage. Home to an unbeatable location and just a short stroll from downtown Fairfield, you'll find yourself immersed in a world of convenience with restaurants, shops, entertainment, the train station, and top rated schools at your fingertips. Grocery stores, I-95, and the beach are just a quick drive away, offering everything you need and more. Don't miss the chance to make this turn-key home yours – Your dream lifestyle awaits!

Features

  • Town: Fairfield
  • Rooms: 6
  • Bedrooms: 4
  • Baths: 1 full
  • Laundry: Lower Level
  • Style: Cape Cod
  • Year Built: 1961
  • Garage: 1-car Detached Garage
  • Heating: Hot Water
  • Cooling: None
  • Basement: Full,Unfinished,Interior Access,Storage
  • Above Grade Approx. Sq. Feet: 1,075
  • Acreage: 0.16
  • Est. Taxes: $9,613
  • Lot Desc: Level Lot,Treed
  • Elem. School: Roger Sherman
  • Middle School: Roger Ludlowe
  • High School: Fairfield Ludlowe
  • Appliances: Gas Range,Oven/Range,Microwave,Refrigerator,Dishwasher
  • MLS#: 170614196
  • Days on Market: 89 days
  • Website: https://www.raveis.com
    /raveis/170614196/161monaterrace_fairfield_ct?source=qrflyer
The data relating to real estate for sale on this website appears in part through the SMARTMLS Internet Data Exchange program, a voluntary cooperative exchange of property listing data between licensed real estate brokerage firms, and is provided by SMARTMLS through a licensing agreement. Listing information is from various brokers who participate in the SMARTMLS IDX program and not all listings may be visible on the site. The property information being provided on or through the website is for the personal, non-commercial use of consumers and such information may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Some properties which appear for sale on the website may no longer be available because they are for instance, under contract, sold or are no longer being offered for sale. Property information displayed is deemed reliable but is not guaranteed.

Room Information

Type DescriptionDimensionsLevel
Bedroom 1 Hardwood Floor13X16Main
Bedroom 2 Hardwood Floor13X16Main
Bedroom 3 Hardwood Floor13X16Main
Bedroom 4 Hardwood Floor13X16Main
Bedroom 5 Hardwood Floor13X16Main
Bedroom 6 Hardwood Floor13X16Main
Bedroom 7 Hardwood Floor13X16Main
Bedroom 8 Hardwood Floor13X16Main
Bedroom 9 Hardwood Floor13X16Main
Bedroom 10 Hardwood Floor13X16Main
Bedroom 11 Hardwood Floor13X16Main
Bedroom 12 Hardwood Floor13X16Main
Bedroom 13 Hardwood Floor13X16Main
Bedroom 14 Hardwood Floor13X16Main
Bedroom 15 Hardwood Floor13X16Main
Bedroom 16 Hardwood Floor13X16Main
Bedroom 17 Hardwood Floor13X16Main
Bedroom 18 Hardwood Floor13X16Main
Bedroom 19 Hardwood Floor13X16Main
Bedroom 20 Hardwood Floor13X16Main
Bedroom 21 Hardwood Floor13X16Main
Bedroom 22 Hardwood Floor13X16Main
Bedroom 23 Hardwood Floor13X16Main
Bedroom 24 Hardwood Floor13X16Main
Bedroom 25 Hardwood Floor13X16Main
Bedroom 26 Hardwood Floor13X16Main
Bedroom 27 Hardwood Floor13X16Main
Bedroom 28 Hardwood Floor13X16Main
Bedroom 29 Hardwood Floor13X16Main
Bedroom 30 Hardwood Floor13X16Main
Bedroom 31 Hardwood Floor13X16Main
Bedroom 32 Hardwood Floor13X16Main
Bedroom 33 Hardwood Floor13X16Main
Bedroom 34 Hardwood Floor13X16Main
Bedroom 35 Hardwood Floor13X16Main
Bedroom 36 Hardwood Floor13X16Main
Bedroom 37 Hardwood Floor13X16Main
Bedroom 38 Hardwood Floor13X16Main
Bedroom 39 Hardwood Floor13X16Main
Bedroom 40 Hardwood Floor13X16Main
Bedroom 41 Hardwood Floor13X16Main
Bedroom 42 Hardwood Floor13X16Main
Bedroom 43 Hardwood Floor13X16Main
Bedroom 44 Hardwood Floor12X12Main
Bedroom 45 Hardwood Floor12X12Main
Bedroom 46 Hardwood Floor12X12Main
Bedroom 47 Hardwood Floor12X12Main
Bedroom 48 Hardwood Floor12X12Main
Bedroom 49 Hardwood Floor12X12Main
Bedroom 50 Hardwood Floor12X12Main
Bedroom 51 Hardwood Floor12X12Main
Bedroom 52 Hardwood Floor12X12Main
Bedroom 53 Hardwood Floor12X12Main
Bedroom 54 Hardwood Floor12X12Main
Bedroom 55 Hardwood Floor12X12Main
Bedroom 56 Hardwood Floor12X12Main
Bedroom 57 Hardwood Floor12X12Main
Bedroom 58 Hardwood Floor12X12Main
Bedroom 59 Hardwood Floor12X12Main
Bedroom 60 Hardwood Floor12X12Main
Bedroom 61 Hardwood Floor12X12Main
Bedroom 62 Hardwood Floor12X12Main
Bedroom 63 Hardwood Floor12X12Main
Bedroom 64 Hardwood Floor12X12Main
Bedroom 65 Hardwood Floor12X12Main
Bedroom 66 Hardwood Floor12X12Main
Bedroom 67 Hardwood Floor12X12Main
Bedroom 68 Hardwood Floor12X12Main
Bedroom 69 Hardwood Floor12X12Main
Bedroom 70 Hardwood Floor12X12Main
Bedroom 71 Hardwood Floor12X12Main
Bedroom 72 Hardwood Floor12X12Main
Bedroom 73 Hardwood Floor12X12Main
Bedroom 74 Hardwood Floor12X12Main
Bedroom 75 Hardwood Floor12X12Main
Bedroom 76 Hardwood Floor12X12Main
Bedroom 77 Hardwood Floor12X12Main
Bedroom 78 Hardwood Floor12X12Main
Bedroom 79 Hardwood Floor12X12Main
Bedroom 80 Hardwood Floor12X12Main
Bedroom 81 Hardwood Floor12X12Main
Bedroom 82 Hardwood Floor12X12Main
Bedroom 83 Hardwood Floor12X12Main
Bedroom 84 Hardwood Floor12X12Main
Bedroom 85 Hardwood Floor12X12Main
Bedroom 86 Hardwood Floor12X12Main
Bedroom 87 Hardwood Floor14X13Upper
Bedroom 88 Hardwood Floor14X13Upper
Bedroom 89 Hardwood Floor14X13Upper
Bedroom 90 Hardwood Floor14X13Upper
Bedroom 91 Hardwood Floor14X13Upper
Bedroom 92 Hardwood Floor14X13Upper
Bedroom 93 Hardwood Floor14X13Upper
Bedroom 94 Hardwood Floor14X13Upper
Bedroom 95 Hardwood Floor14X13Upper
Bedroom 96 Hardwood Floor14X13Upper
Bedroom 97 Hardwood Floor14X13Upper
Bedroom 98 Hardwood Floor14X13Upper
Bedroom 99 Hardwood Floor14X13Upper
Bedroom 100 Hardwood Floor14X13Upper
Bedroom 101 Hardwood Floor14X13Upper
Bedroom 102 Hardwood Floor14X13Upper
Bedroom 103 Hardwood Floor14X13Upper
Bedroom 104 Hardwood Floor14X13Upper
Bedroom 105 Hardwood Floor14X13Upper
Bedroom 106 Hardwood Floor14X13Upper
Bedroom 107 Hardwood Floor14X13Upper
Bedroom 108 Hardwood Floor14X13Upper
Bedroom 109 Hardwood Floor14X13Upper
Bedroom 110 Hardwood Floor14X13Upper
Bedroom 111 Hardwood Floor14X13Upper
Bedroom 112 Hardwood Floor14X13Upper
Bedroom 113 Hardwood Floor14X13Upper
Bedroom 114 Hardwood Floor14X13Upper
Bedroom 115 Hardwood Floor14X13Upper
Bedroom 116 Hardwood Floor14X13Upper
Bedroom 117 Hardwood Floor14X13Upper
Bedroom 118 Hardwood Floor14X13Upper
Bedroom 119 Hardwood Floor14X13Upper
Bedroom 120 Hardwood Floor14X13Upper
Bedroom 121 Hardwood Floor14X13Upper
Bedroom 122 Hardwood Floor14X13Upper
Bedroom 123 Hardwood Floor14X13Upper
Bedroom 124 Hardwood Floor14X13Upper
Bedroom 125 Hardwood Floor14X13Upper
Bedroom 126 Hardwood Floor14X13Upper
Bedroom 127 Hardwood Floor14X13Upper
Bedroom 128 Hardwood Floor14X13Upper
Bedroom 129 Hardwood Floor14X13Upper
Bedroom 130 Hardwood Floor14X13Upper
Bedroom 131 Hardwood Floor14X11Upper
Bedroom 132 Hardwood Floor14X11Upper
Bedroom 133 Hardwood Floor14X11Upper
Bedroom 134 Hardwood Floor14X11Upper
Bedroom 135 Hardwood Floor14X11Upper
Bedroom 136 Hardwood Floor14X11Upper
Bedroom 137 Hardwood Floor14X11Upper
Bedroom 138 Hardwood Floor14X11Upper
Bedroom 139 Hardwood Floor14X11Upper
Bedroom 140 Hardwood Floor14X11Upper
Bedroom 141 Hardwood Floor14X11Upper
Bedroom 142 Hardwood Floor14X11Upper
Bedroom 143 Hardwood Floor14X11Upper
Bedroom 144 Hardwood Floor14X11Upper
Bedroom 145 Hardwood Floor14X11Upper
Bedroom 146 Hardwood Floor14X11Upper
Bedroom 147 Hardwood Floor14X11Upper
Bedroom 148 Hardwood Floor14X11Upper
Bedroom 149 Hardwood Floor14X11Upper
Bedroom 150 Hardwood Floor14X11Upper
Bedroom 151 Hardwood Floor14X11Upper
Bedroom 152 Hardwood Floor14X11Upper
Bedroom 153 Hardwood Floor14X11Upper
Bedroom 154 Hardwood Floor14X11Upper
Bedroom 155 Hardwood Floor14X11Upper
Bedroom 156 Hardwood Floor14X11Upper
Bedroom 157 Hardwood Floor14X11Upper
Bedroom 158 Hardwood Floor14X11Upper
Bedroom 159 Hardwood Floor14X11Upper
Bedroom 160 Hardwood Floor14X11Upper
Bedroom 161 Hardwood Floor14X11Upper
Bedroom 162 Hardwood Floor14X11Upper
Bedroom 163 Hardwood Floor14X11Upper
Bedroom 164 Hardwood Floor14X11Upper
Bedroom 165 Hardwood Floor14X11Upper
Bedroom 166 Hardwood Floor14X11Upper
Bedroom 167 Hardwood Floor14X11Upper
Bedroom 168 Hardwood Floor14X11Upper
Bedroom 169 Hardwood Floor14X11Upper
Bedroom 170 Hardwood Floor14X11Upper
Bedroom 171 Hardwood Floor14X11Upper
Bedroom 172 Hardwood Floor14X11Upper
Bedroom 173 Hardwood Floor14X11Upper
Bedroom 174 Hardwood Floor14X11Upper
Eat-In Kitchen Remodeled,Quartz Counters,Vinyl Floor11X12Main
Eat-In Kitchen Remodeled,Quartz Counters,Vinyl Floor11X12Main
Eat-In Kitchen Remodeled,Quartz Counters,Vinyl Floor11X12Main
Eat-In Kitchen Remodeled,Quartz Counters,Vinyl Floor11X12Main
Eat-In Kitchen Remodeled,Quartz Counters,Vinyl Floor11X12Main
Eat-In Kitchen Remodeled,Quartz Counters,Vinyl Floor11X12Main
Eat-In Kitchen Remodeled,Quartz Counters,Vinyl Floor11X12Main
Eat-In Kitchen Remodeled,Quartz Counters,Vinyl Floor11X12Main
Eat-In Kitchen Remodeled,Quartz Counters,Vinyl Floor11X12Main
Eat-In Kitchen Remodeled,Quartz Counters,Vinyl Floor11X12Main
Eat-In Kitchen Remodeled,Quartz Counters,Vinyl Floor11X12Main
Eat-In Kitchen Remodeled,Quartz Counters,Vinyl Floor11X12Main
Eat-In Kitchen Remodeled,Quartz Counters,Vinyl Floor11X12Main
Eat-In Kitchen Remodeled,Quartz Counters,Vinyl Floor11X12Main
Eat-In Kitchen Remodeled,Quartz Counters,Vinyl Floor11X12Main
Eat-In Kitchen Remodeled,Quartz Counters,Vinyl Floor11X12Main
Eat-In Kitchen Remodeled,Quartz Counters,Vinyl Floor11X12Main
Eat-In Kitchen Remodeled,Quartz Counters,Vinyl Floor11X12Main
Eat-In Kitchen Remodeled,Quartz Counters,Vinyl Floor11X12Main
Eat-In Kitchen Remodeled,Quartz Counters,Vinyl Floor11X12Main
Eat-In Kitchen Remodeled,Quartz Counters,Vinyl Floor11X12Main
Eat-In Kitchen Remodeled,Quartz Counters,Vinyl Floor11X12Main
Eat-In Kitchen Remodeled,Quartz Counters,Vinyl Floor11X12Main
Eat-In Kitchen Remodeled,Quartz Counters,Vinyl Floor11X12Main
Eat-In Kitchen Remodeled,Quartz Counters,Vinyl Floor11X12Main
Eat-In Kitchen Remodeled,Quartz Counters,Vinyl Floor11X12Main
Eat-In Kitchen Remodeled,Quartz Counters,Vinyl Floor11X12Main
Eat-In Kitchen Remodeled,Quartz Counters,Vinyl Floor11X12Main
Eat-In Kitchen Remodeled,Quartz Counters,Vinyl Floor11X12Main
Eat-In Kitchen Remodeled,Quartz Counters,Vinyl Floor11X12Main
Eat-In Kitchen Remodeled,Quartz Counters,Vinyl Floor11X12Main
Eat-In Kitchen Remodeled,Quartz Counters,Vinyl Floor11X12Main
Eat-In Kitchen Remodeled,Quartz Counters,Vinyl Floor11X12Main
Eat-In Kitchen Remodeled,Quartz Counters,Vinyl Floor11X12Main
Eat-In Kitchen Remodeled,Quartz Counters,Vinyl Floor11X12Main
Eat-In Kitchen Remodeled,Quartz Counters,Vinyl Floor11X12Main
Eat-In Kitchen Remodeled,Quartz Counters,Vinyl Floor11X12Main
Eat-In Kitchen Remodeled,Quartz Counters,Vinyl Floor11X12Main
Eat-In Kitchen Remodeled,Quartz Counters,Vinyl Floor11X12Main
Eat-In Kitchen Remodeled,Quartz Counters,Vinyl Floor11X12Main
Eat-In Kitchen Remodeled,Quartz Counters,Vinyl Floor11X12Main
Eat-In Kitchen Remodeled,Quartz Counters,Vinyl Floor11X12Main
Full Bath Tub w/Shower,Tile Floor8X7Main
Full Bath Tub w/Shower,Tile Floor8X7Main
Full Bath Tub w/Shower,Tile Floor8X7Main
Full Bath Tub w/Shower,Tile Floor8X7Main
Full Bath Tub w/Shower,Tile Floor8X7Main
Full Bath Tub w/Shower,Tile Floor8X7Main
Full Bath Tub w/Shower,Tile Floor8X7Main
Full Bath Tub w/Shower,Tile Floor8X7Main
Full Bath Tub w/Shower,Tile Floor8X7Main
Full Bath Tub w/Shower,Tile Floor8X7Main
Full Bath Tub w/Shower,Tile Floor8X7Main
Full Bath Tub w/Shower,Tile Floor8X7Main
Full Bath Tub w/Shower,Tile Floor8X7Main
Full Bath Tub w/Shower,Tile Floor8X7Main
Full Bath Tub w/Shower,Tile Floor8X7Main
Full Bath Tub w/Shower,Tile Floor8X7Main
Full Bath Tub w/Shower,Tile Floor8X7Main
Full Bath Tub w/Shower,Tile Floor8X7Main
Full Bath Tub w/Shower,Tile Floor8X7Main
Full Bath Tub w/Shower,Tile Floor8X7Main
Full Bath Tub w/Shower,Tile Floor8X7Main
Full Bath Tub w/Shower,Tile Floor8X7Main
Full Bath Tub w/Shower,Tile Floor8X7Main
Full Bath Tub w/Shower,Tile Floor8X7Main
Full Bath Tub w/Shower,Tile Floor8X7Main
Full Bath Tub w/Shower,Tile Floor8X7Main
Full Bath Tub w/Shower,Tile Floor8X7Main
Full Bath Tub w/Shower,Tile Floor8X7Main
Full Bath Tub w/Shower,Tile Floor8X7Main
Full Bath Tub w/Shower,Tile Floor8X7Main
Full Bath Tub w/Shower,Tile Floor8X7Main
Full Bath Tub w/Shower,Tile Floor8X7Main
Full Bath Tub w/Shower,Tile Floor8X7Main
Full Bath Tub w/Shower,Tile Floor8X7Main
Full Bath Tub w/Shower,Tile Floor8X7Main
Full Bath Tub w/Shower,Tile Floor8X7Main
Full Bath Tub w/Shower,Tile Floor8X7Main
Full Bath Tub w/Shower,Tile Floor8X7Main
Full Bath Tub w/Shower,Tile Floor8X7Main
Full Bath Tub w/Shower,Tile Floor8X7Main
Living Room Hardwood Floor13X17Main
Living Room Hardwood Floor13X17Main
Living Room Hardwood Floor13X17Main
Living Room Hardwood Floor13X17Main
Living Room Hardwood Floor13X17Main
Living Room Hardwood Floor13X17Main
Living Room Hardwood Floor13X17Main
Living Room Hardwood Floor13X17Main
Living Room Hardwood Floor13X17Main
Living Room Hardwood Floor13X17Main
Living Room Hardwood Floor13X17Main
Living Room Hardwood Floor13X17Main
Living Room Hardwood Floor13X17Main
Living Room Hardwood Floor13X17Main
Living Room Hardwood Floor13X17Main
Living Room Hardwood Floor13X17Main
Living Room Hardwood Floor13X17Main
Living Room Hardwood Floor13X17Main
Living Room Hardwood Floor13X17Main
Living Room Hardwood Floor13X17Main
Living Room Hardwood Floor13X17Main
Living Room Hardwood Floor13X17Main
Living Room Hardwood Floor13X17Main
Living Room Hardwood Floor13X17Main
Living Room Hardwood Floor13X17Main
Living Room Hardwood Floor13X17Main
Living Room Hardwood Floor13X17Main
Living Room Hardwood Floor13X17Main
Living Room Hardwood Floor13X17Main
Living Room Hardwood Floor13X17Main
Living Room Hardwood Floor13X17Main
Living Room Hardwood Floor13X17Main
Living Room Hardwood Floor13X17Main
Living Room Hardwood Floor13X17Main
Living Room Hardwood Floor13X17Main
Living Room Hardwood Floor13X17Main
Living Room Hardwood Floor13X17Main
Living Room Hardwood Floor13X17Main
Living Room Hardwood Floor13X17Main
Living Room Hardwood Floor13X17Main
Living Room Hardwood Floor13X17Main
Living Room Hardwood Floor13X17Main
Living Room Hardwood Floor13X17Main
Living Room Hardwood Floor13X17Main

William Raveis Family of Services

Our family of companies partner in delivering quality services in a one-stop-shopping environment. Together, we integrate the most comprehensive real estate, mortgage and insurance services available to fulfill your specific real estate needs.

Shoshana and TeamSales Associates

203.321.3502

ShoshanaAndTeam@raveis.com

Our family of companies offer our clients a new level of full-service real estate. We shall:

  • Market your home to realize a quick sale at the best possible price
  • Place up to 20+ photos of your home on our website, raveis.com, which receives over 1 billion hits per year
  • Provide frequent communication and tracking reports showing the Internet views your home received on raveis.com
  • Showcase your home on raveis.com with a larger and more prominent format
  • Give you the full resources and strength of William Raveis Real Estate, Mortgage & Insurance and our cutting-edge technology

To learn more about our credentials, visit raveis.com today.

Jorge L RiveraVP, Mortgage Banker, William Raveis Mortgage, LLC

NMLS Mortgage Loan Originator ID 12303

203.913.1633

Jorge.Rivera@Raveis.com

Our Executive Mortgage Banker:

  • Is available to meet with you in our office, your home or office, evenings or weekends
  • Offers you pre-approval in minutes!
  • Provides a guaranteed closing date that meets your needs
  • Has access to hundreds of loan programs, all at competitive rates
  • Is in constant contact with a full processing, underwriting, and closing staff to ensure an efficient transaction

Robert ReadeRegional SVP Insurance Sales, William Raveis Insurance

860.690.5052

Robert.Reade@raveis.com

Our Insurance Division:

  • Will Provide a home insurance quote within 24 hours
  • Offers full-service coverage such as Homeowner's, Auto, Life, Renter's, Flood and Valuable Items
  • Partners with major insurance companies including Chubb, Kemper Unitrin, The Hartford, Progressive,
    Encompass, Travelers, Fireman's Fund, Middleoak Mutual, One Beacon and American Reliable

Ray CashenPresident, William Raveis Attorney Network

203.925.4590

For homebuyers and sellers, our Attorney Network:

  • Consult on purchase/sale and financing issues, reviews and prepares the sale agreement, fulfills lender
    requirements, sets up escrows and title insurance, coordinates closing documents
  • Offers one-stop shopping; to satisfy closing, title, and insurance needs in a single consolidated experience
  • Offers access to experienced closing attorneys at competitive rates
  • Streamlines the process as a direct result of the established synergies among the William Raveis Family of Companies

161 Mona Terrace, Fairfield (Beach), CT, 06824

$679,000

Shoshana and Team

Sales Associates

William Raveis Real Estate

Phone: 203.321.3502

ShoshanaAndTeam@raveis.com

Jorge L Rivera

VP, Mortgage Banker

William Raveis Mortgage, LLC

Phone: 203.913.1633

Jorge.Rivera@Raveis.com

NMLS Mortgage Loan Originator ID 12303

5/6 (30 Yr)
Adjustable Rate Conforming*
30 Year
Fixed-Rate Conforming
15 Year
Fixed-Rate Conforming
Loan Amount $543,200 $543,200 $543,200
Term 360 months 360 months 180 months
Initial Interest Rate** 7.250% 6.990% 6.250%
Interest Rate based on Index + Margin 8.125%
Annual Percentage Rate 7.945% 7.171% 6.538%
Monthly Tax Payment $801 $801 $801
H/O Insurance Payment $92 $92 $92
Initial Principal & Interest Pmt $3,706 $3,610 $4,658
Total Monthly Payment $4,599 $4,503 $5,551

* The Initial Interest Rate and Initial Principal & Interest Payment are fixed for the first and adjust every six months thereafter for the remainder of the loan term. The Interest Rate and annual percentage rate may increase after consummation. The Index for this product is the SOFR. The margin for this adjustable rate mortgage may vary with your unique credit history, and terms of your loan.

** Mortgage Rates are subject to change, loan amount and product restrictions and may not be available for your specific transaction at commitment or closing. Rates, and the margin for adjustable rate mortgages [if applicable], are subject to change without prior notice.

The rates and Annual Percentage Rate (APR) cited above may be only samples for the purpose of calculating payments and are based upon the following assumptions: minimum credit score of 740, 20% down payment (e.g. $20,000 down on a $100,000 purchase price), $1,950 in finance charges, and 30 days prepaid interest, 1 point, 30 day rate lock. The rates and APR will vary depending upon your unique credit history and the terms of your loan, e.g. the actual down payment percentages, points and fees for your transaction. Property taxes and homeowner's insurance are estimates and subject to change.