727 Smith Ridge Road, New Canaan (Smith Ridge), CT, 06840 | $7,195,000

Majestically set at the end of a gracious gated driveway, timeless luxury awaits. Maintained and updated impeccably, 727 Smith Ridge offers the privacy and amenities a discerning homeowner would expect, only minutes from New Canaan’s village. The sunlit front to back foyer sets the tone for beautiful interior details with leaded glass, custom stained hardwood floor and sight lines to the formal dining room, living room, and a beautiful library - all spaces that offer newly converted gas fireplaces and stunning millwork. A gourmet kitchen with two large islands and a sundrenched breakfast area opens to a generous family room and access to the enormous outdoor living space with patio, built in kitchen, gunite pool, spa and covered outdoor fireplace. The primary suite offers a sitting room, covered deck, fireplace, marble bathroom and two huge closets. All bedrooms are en suite with walk-in closets. At every turn, the second level offers access to elevated decks overlooking the expansive property. A finished third floor, and lower level with bonus room, movie theater, recreation room, gym, sauna and movie theater offer endless entertainment opportunities. New cedar roof, newly refinished floors, Lutron system, updated kitchen finishes, stunning window treatments and dramatic light fixtures throughout are only some of the improvements that await.

Features

  • Town: New Canaan
  • Rooms: 15
  • Bedrooms: 7
  • Baths: 9 full / 2 half
  • Laundry: Upper Level
  • Style: Colonial
  • Year Built: 2005
  • Garage: 4-car Attached Garage
  • Heating: Hot Air,Zoned
  • Cooling: Zoned
  • Basement: Full With Walk-Out,Fully Finished
  • Above Grade Approx. Sq. Feet: 10,397
  • Acreage: 4.55
  • Est. Taxes: $68,841
  • Lot Desc: Some Wetlands,Professionally Landscaped
  • Elem. School: East
  • High School: New Canaan
  • Pool: In Ground Pool,Spa,Alarm,Gunite
  • Appliances: Gas Range,Microwave,Subzero,Icemaker,Washer,Dryer,Wine Chiller
  • MLS#: 170622655
  • Days on Market: 60 days
  • Website: https://www.raveis.com
    /eprop/170622655/727smithridgeroad_newcanaan_ct?source=qrflyer
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Listing courtesy of Compass Connecticut, LLC

Room Information

Type DescriptionDimensionsLevel
Bedroom 1 16X12.7Upper
Bedroom 2 16X12.7Upper
Bedroom 3 16X12.7Upper
Bedroom 4 16X12.7Upper
Bedroom 5 16X12.7Upper
Bedroom 6 16X12.7Upper
Bedroom 7 16X12.7Upper
Bedroom 8 16X12.7Upper
Bedroom 9 16X12.7Upper
Bedroom 10 16X12.7Upper
Bedroom 11 16X12.7Upper
Bedroom 12 16X12.7Upper
Bedroom 13 16X12.7Upper
Bedroom 14 16X12.7Upper
Bedroom 15 16X12.7Upper
Bedroom 16 16X12.7Upper
Bedroom 17 16X12.7Upper
Bedroom 18 16X12.7Upper
Bedroom 19 16X12.7Upper
Bedroom 20 16X12.7Upper
Bedroom 21 16X12.7Upper
Bedroom 22 Balcony/Deck16X14.9Upper
Bedroom 23 Balcony/Deck16X14.9Upper
Bedroom 24 Balcony/Deck16X14.9Upper
Bedroom 25 Balcony/Deck16X14.9Upper
Bedroom 26 Balcony/Deck16X14.9Upper
Bedroom 27 Balcony/Deck16X14.9Upper
Bedroom 28 Balcony/Deck16X14.9Upper
Bedroom 29 Balcony/Deck16X14.9Upper
Bedroom 30 Balcony/Deck16X14.9Upper
Bedroom 31 Balcony/Deck16X14.9Upper
Bedroom 32 Balcony/Deck16X14.9Upper
Bedroom 33 Balcony/Deck16X14.9Upper
Bedroom 34 Balcony/Deck16X14.9Upper
Bedroom 35 Balcony/Deck16X14.9Upper
Bedroom 36 Balcony/Deck16X14.9Upper
Bedroom 37 Balcony/Deck16X14.9Upper
Bedroom 38 Balcony/Deck16X14.9Upper
Bedroom 39 Balcony/Deck16X14.9Upper
Bedroom 40 Balcony/Deck16X14.9Upper
Bedroom 41 Balcony/Deck16X14.9Upper
Bedroom 42 Balcony/Deck16X14.9Upper
Bedroom 43 Full Bath,Walk-In Closet15.4X15Upper
Bedroom 44 Full Bath,Walk-In Closet15.4X15Upper
Bedroom 45 Full Bath,Walk-In Closet15.4X15Upper
Bedroom 46 Full Bath,Walk-In Closet15.4X15Upper
Bedroom 47 Full Bath,Walk-In Closet15.4X15Upper
Bedroom 48 Full Bath,Walk-In Closet15.4X15Upper
Bedroom 49 Full Bath,Walk-In Closet15.4X15Upper
Bedroom 50 Full Bath,Walk-In Closet15.4X15Upper
Bedroom 51 Full Bath,Walk-In Closet15.4X15Upper
Bedroom 52 Full Bath,Walk-In Closet15.4X15Upper
Bedroom 53 Full Bath,Walk-In Closet15.4X15Upper
Bedroom 54 Full Bath,Walk-In Closet15.4X15Upper
Bedroom 55 Full Bath,Walk-In Closet15.4X15Upper
Bedroom 56 Full Bath,Walk-In Closet15.4X15Upper
Bedroom 57 Full Bath,Walk-In Closet15.4X15Upper
Bedroom 58 Full Bath,Walk-In Closet15.4X15Upper
Bedroom 59 Full Bath,Walk-In Closet15.4X15Upper
Bedroom 60 Full Bath,Walk-In Closet15.4X15Upper
Bedroom 61 Full Bath,Walk-In Closet15.4X15Upper
Bedroom 62 Full Bath,Walk-In Closet15.4X15Upper
Bedroom 63 Full Bath,Walk-In Closet15.4X15Upper
Bedroom 64 13X14.7Upper
Bedroom 65 13X14.7Upper
Bedroom 66 13X14.7Upper
Bedroom 67 13X14.7Upper
Bedroom 68 13X14.7Upper
Bedroom 69 13X14.7Upper
Bedroom 70 13X14.7Upper
Bedroom 71 13X14.7Upper
Bedroom 72 13X14.7Upper
Bedroom 73 13X14.7Upper
Bedroom 74 13X14.7Upper
Bedroom 75 13X14.7Upper
Bedroom 76 13X14.7Upper
Bedroom 77 13X14.7Upper
Bedroom 78 13X14.7Upper
Bedroom 79 13X14.7Upper
Bedroom 80 13X14.7Upper
Bedroom 81 13X14.7Upper
Bedroom 82 13X14.7Upper
Bedroom 83 13X14.7Upper
Bedroom 84 13X14.7Upper
Bedroom 85 13X16.5Upper
Bedroom 86 13X16.5Upper
Bedroom 87 13X16.5Upper
Bedroom 88 13X16.5Upper
Bedroom 89 13X16.5Upper
Bedroom 90 13X16.5Upper
Bedroom 91 13X16.5Upper
Bedroom 92 13X16.5Upper
Bedroom 93 13X16.5Upper
Bedroom 94 13X16.5Upper
Bedroom 95 13X16.5Upper
Bedroom 96 13X16.5Upper
Bedroom 97 13X16.5Upper
Bedroom 98 13X16.5Upper
Bedroom 99 13X16.5Upper
Bedroom 100 13X16.5Upper
Bedroom 101 13X16.5Upper
Bedroom 102 13X16.5Upper
Bedroom 103 13X16.5Upper
Bedroom 104 13X16.5Upper
Bedroom 105 13X16.5Upper
Bedroom 106 14.11X23.7Upper
Bedroom 107 14.11X23.7Upper
Bedroom 108 14.11X23.7Upper
Bedroom 109 14.11X23.7Upper
Bedroom 110 14.11X23.7Upper
Bedroom 111 14.11X23.7Upper
Bedroom 112 14.11X23.7Upper
Bedroom 113 14.11X23.7Upper
Bedroom 114 14.11X23.7Upper
Bedroom 115 14.11X23.7Upper
Bedroom 116 14.11X23.7Upper
Bedroom 117 14.11X23.7Upper
Bedroom 118 14.11X23.7Upper
Bedroom 119 14.11X23.7Upper
Bedroom 120 14.11X23.7Upper
Bedroom 121 14.11X23.7Upper
Bedroom 122 14.11X23.7Upper
Bedroom 123 14.11X23.7Upper
Bedroom 124 14.11X23.7Upper
Bedroom 125 14.11X23.7Upper
Bedroom 126 14.11X23.7Upper
Family Room Beams,Built-Ins,Fireplace,French Doors22X25.9Main
Family Room Beams,Built-Ins,Fireplace,French Doors22X25.9Main
Family Room Beams,Built-Ins,Fireplace,French Doors22X25.9Main
Family Room Beams,Built-Ins,Fireplace,French Doors22X25.9Main
Family Room Beams,Built-Ins,Fireplace,French Doors22X25.9Main
Family Room Beams,Built-Ins,Fireplace,French Doors22X25.9Main
Family Room Beams,Built-Ins,Fireplace,French Doors22X25.9Main
Family Room Beams,Built-Ins,Fireplace,French Doors22X25.9Main
Family Room Beams,Built-Ins,Fireplace,French Doors22X25.9Main
Family Room Beams,Built-Ins,Fireplace,French Doors22X25.9Main
Family Room Beams,Built-Ins,Fireplace,French Doors22X25.9Main
Family Room Beams,Built-Ins,Fireplace,French Doors22X25.9Main
Family Room Beams,Built-Ins,Fireplace,French Doors22X25.9Main
Family Room Beams,Built-Ins,Fireplace,French Doors22X25.9Main
Family Room Beams,Built-Ins,Fireplace,French Doors22X25.9Main
Family Room Beams,Built-Ins,Fireplace,French Doors22X25.9Main
Family Room Beams,Built-Ins,Fireplace,French Doors22X25.9Main
Family Room Beams,Built-Ins,Fireplace,French Doors22X25.9Main
Family Room Beams,Built-Ins,Fireplace,French Doors22X25.9Main
Family Room Beams,Built-Ins,Fireplace,French Doors22X25.9Main
Family Room Beams,Built-Ins,Fireplace,French Doors22X25.9Main
Formal Dining Room Fireplace17X22.9Main
Formal Dining Room Fireplace17X22.9Main
Formal Dining Room Fireplace17X22.9Main
Formal Dining Room Fireplace17X22.9Main
Formal Dining Room Fireplace17X22.9Main
Formal Dining Room Fireplace17X22.9Main
Formal Dining Room Fireplace17X22.9Main
Formal Dining Room Fireplace17X22.9Main
Formal Dining Room Fireplace17X22.9Main
Formal Dining Room Fireplace17X22.9Main
Formal Dining Room Fireplace17X22.9Main
Formal Dining Room Fireplace17X22.9Main
Formal Dining Room Fireplace17X22.9Main
Formal Dining Room Fireplace17X22.9Main
Formal Dining Room Fireplace17X22.9Main
Formal Dining Room Fireplace17X22.9Main
Formal Dining Room Fireplace17X22.9Main
Formal Dining Room Fireplace17X22.9Main
Formal Dining Room Fireplace17X22.9Main
Formal Dining Room Fireplace17X22.9Main
Formal Dining Room Fireplace17X22.9Main
Kitchen Breakfast Nook,Double-Sink,Island23X20Main
Kitchen Breakfast Nook,Double-Sink,Island23X20Main
Kitchen Breakfast Nook,Double-Sink,Island23X20Main
Kitchen Breakfast Nook,Double-Sink,Island23X20Main
Kitchen Breakfast Nook,Double-Sink,Island23X20Main
Kitchen Breakfast Nook,Double-Sink,Island23X20Main
Kitchen Breakfast Nook,Double-Sink,Island23X20Main
Kitchen Breakfast Nook,Double-Sink,Island23X20Main
Kitchen Breakfast Nook,Double-Sink,Island23X20Main
Kitchen Breakfast Nook,Double-Sink,Island23X20Main
Kitchen Breakfast Nook,Double-Sink,Island23X20Main
Kitchen Breakfast Nook,Double-Sink,Island23X20Main
Kitchen Breakfast Nook,Double-Sink,Island23X20Main
Kitchen Breakfast Nook,Double-Sink,Island23X20Main
Kitchen Breakfast Nook,Double-Sink,Island23X20Main
Kitchen Breakfast Nook,Double-Sink,Island23X20Main
Kitchen Breakfast Nook,Double-Sink,Island23X20Main
Kitchen Breakfast Nook,Double-Sink,Island23X20Main
Kitchen Breakfast Nook,Double-Sink,Island23X20Main
Kitchen Breakfast Nook,Double-Sink,Island23X20Main
Kitchen Breakfast Nook,Double-Sink,Island23X20Main
Living Room Fireplace,French Doors16.11X26.11Main
Living Room Fireplace,French Doors16.11X26.11Main
Living Room Fireplace,French Doors16.11X26.11Main
Living Room Fireplace,French Doors16.11X26.11Main
Living Room Fireplace,French Doors16.11X26.11Main
Living Room Fireplace,French Doors16.11X26.11Main
Living Room Fireplace,French Doors16.11X26.11Main
Living Room Fireplace,French Doors16.11X26.11Main
Living Room Fireplace,French Doors16.11X26.11Main
Living Room Fireplace,French Doors16.11X26.11Main
Living Room Fireplace,French Doors16.11X26.11Main
Living Room Fireplace,French Doors16.11X26.11Main
Living Room Fireplace,French Doors16.11X26.11Main
Living Room Fireplace,French Doors16.11X26.11Main
Living Room Fireplace,French Doors16.11X26.11Main
Living Room Fireplace,French Doors16.11X26.11Main
Living Room Fireplace,French Doors16.11X26.11Main
Living Room Fireplace,French Doors16.11X26.11Main
Living Room Fireplace,French Doors16.11X26.11Main
Living Room Fireplace,French Doors16.11X26.11Main
Living Room Fireplace,French Doors16.11X26.11Main
Primary Bedroom Balcony/Deck,Double-Sink,Fireplace,Walk-In Closet14.11X21.7Upper
Primary Bedroom Balcony/Deck,Double-Sink,Fireplace,Walk-In Closet14.11X21.7Upper
Primary Bedroom Balcony/Deck,Double-Sink,Fireplace,Walk-In Closet14.11X21.7Upper
Primary Bedroom Balcony/Deck,Double-Sink,Fireplace,Walk-In Closet14.11X21.7Upper
Primary Bedroom Balcony/Deck,Double-Sink,Fireplace,Walk-In Closet14.11X21.7Upper
Primary Bedroom Balcony/Deck,Double-Sink,Fireplace,Walk-In Closet14.11X21.7Upper
Primary Bedroom Balcony/Deck,Double-Sink,Fireplace,Walk-In Closet14.11X21.7Upper
Primary Bedroom Balcony/Deck,Double-Sink,Fireplace,Walk-In Closet14.11X21.7Upper
Primary Bedroom Balcony/Deck,Double-Sink,Fireplace,Walk-In Closet14.11X21.7Upper
Primary Bedroom Balcony/Deck,Double-Sink,Fireplace,Walk-In Closet14.11X21.7Upper
Primary Bedroom Balcony/Deck,Double-Sink,Fireplace,Walk-In Closet14.11X21.7Upper
Primary Bedroom Balcony/Deck,Double-Sink,Fireplace,Walk-In Closet14.11X21.7Upper
Primary Bedroom Balcony/Deck,Double-Sink,Fireplace,Walk-In Closet14.11X21.7Upper
Primary Bedroom Balcony/Deck,Double-Sink,Fireplace,Walk-In Closet14.11X21.7Upper
Primary Bedroom Balcony/Deck,Double-Sink,Fireplace,Walk-In Closet14.11X21.7Upper
Primary Bedroom Balcony/Deck,Double-Sink,Fireplace,Walk-In Closet14.11X21.7Upper
Primary Bedroom Balcony/Deck,Double-Sink,Fireplace,Walk-In Closet14.11X21.7Upper
Primary Bedroom Balcony/Deck,Double-Sink,Fireplace,Walk-In Closet14.11X21.7Upper
Primary Bedroom Balcony/Deck,Double-Sink,Fireplace,Walk-In Closet14.11X21.7Upper
Primary Bedroom Balcony/Deck,Double-Sink,Fireplace,Walk-In Closet14.11X21.7Upper
Primary Bedroom Balcony/Deck,Double-Sink,Fireplace,Walk-In Closet14.11X21.7Upper
Rec/Play Room Fireplace20X25.9Upper
Rec/Play Room Fireplace20X25.9Upper
Rec/Play Room Fireplace20X25.9Upper
Rec/Play Room Fireplace20X25.9Upper
Rec/Play Room Fireplace20X25.9Upper
Rec/Play Room Fireplace20X25.9Upper
Rec/Play Room Fireplace20X25.9Upper
Rec/Play Room Fireplace20X25.9Upper
Rec/Play Room Fireplace20X25.9Upper
Rec/Play Room Fireplace20X25.9Upper
Rec/Play Room Fireplace20X25.9Upper
Rec/Play Room Fireplace20X25.9Upper
Rec/Play Room Fireplace20X25.9Upper
Rec/Play Room Fireplace20X25.9Upper
Rec/Play Room Fireplace20X25.9Upper
Rec/Play Room Fireplace20X25.9Upper
Rec/Play Room Fireplace20X25.9Upper
Rec/Play Room Fireplace20X25.9Upper
Rec/Play Room Fireplace20X25.9Upper
Rec/Play Room Fireplace20X25.9Upper
Rec/Play Room Fireplace20X25.9Upper
Study Built-Ins,Fireplace,French Doors17X20.5Main
Study Built-Ins,Fireplace,French Doors17X20.5Main
Study Built-Ins,Fireplace,French Doors17X20.5Main
Study Built-Ins,Fireplace,French Doors17X20.5Main
Study Built-Ins,Fireplace,French Doors17X20.5Main
Study Built-Ins,Fireplace,French Doors17X20.5Main
Study Built-Ins,Fireplace,French Doors17X20.5Main
Study Built-Ins,Fireplace,French Doors17X20.5Main
Study Built-Ins,Fireplace,French Doors17X20.5Main
Study Built-Ins,Fireplace,French Doors17X20.5Main
Study Built-Ins,Fireplace,French Doors17X20.5Main
Study Built-Ins,Fireplace,French Doors17X20.5Main
Study Built-Ins,Fireplace,French Doors17X20.5Main
Study Built-Ins,Fireplace,French Doors17X20.5Main
Study Built-Ins,Fireplace,French Doors17X20.5Main
Study Built-Ins,Fireplace,French Doors17X20.5Main
Study Built-Ins,Fireplace,French Doors17X20.5Main
Study Built-Ins,Fireplace,French Doors17X20.5Main
Study Built-Ins,Fireplace,French Doors17X20.5Main
Study Built-Ins,Fireplace,French Doors17X20.5Main
Study Built-Ins,Fireplace,French Doors17X20.5Main
Sun Room French Doors17X10.9Main
Sun Room French Doors17X10.9Main
Sun Room French Doors17X10.9Main
Sun Room French Doors17X10.9Main
Sun Room French Doors17X10.9Main
Sun Room French Doors17X10.9Main
Sun Room French Doors17X10.9Main
Sun Room French Doors17X10.9Main
Sun Room French Doors17X10.9Main
Sun Room French Doors17X10.9Main
Sun Room French Doors17X10.9Main
Sun Room French Doors17X10.9Main
Sun Room French Doors17X10.9Main
Sun Room French Doors17X10.9Main
Sun Room French Doors17X10.9Main
Sun Room French Doors17X10.9Main
Sun Room French Doors17X10.9Main
Sun Room French Doors17X10.9Main
Sun Room French Doors17X10.9Main
Sun Room French Doors17X10.9Main
Sun Room French Doors17X10.9Main

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.

Customer Service

888.699.8876

Contact@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.

Mace L. RattetVP, Mortgage Banker, William Raveis Mortgage, LLC

NMLS Mortgage Loan Originator ID 69957

914.260.5535

Mace.Rattet@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

Francine SilbermanVP, Mortgage Banker, William Raveis Mortgage, LLC

NMLS Mortgage Loan Originator ID 69244

914.260.2006

Francine.Silberman@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

Michael AlvordInsurance Sales Director, William Raveis Insurance

203.925.4507

Michael.Alvord@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

727 Smith Ridge Road, New Canaan (Smith Ridge), CT, 06840

$7,195,000

Customer Service

William Raveis Real Estate

Phone: 888.699.8876

Contact@raveis.com

Mace L. Rattet

VP, Mortgage Banker

William Raveis Mortgage, LLC

Phone: 914.260.5535

Mace.Rattet@raveis.com

NMLS Mortgage Loan Originator ID 69957

Francine Silberman

VP, Mortgage Banker

William Raveis Mortgage, LLC

Phone: 914.260.2006

Francine.Silberman@raveis.com

NMLS Mortgage Loan Originator ID 69244

5/6 (30 Yr)
Adjustable Rate Jumbo*
30 Year
Fixed-Rate Jumbo
15 Year
Fixed-Rate Jumbo
Loan Amount $5,756,000 $5,756,000 $5,756,000
Term 360 months 360 months 180 months
Initial Interest Rate** 5.875% 6.625% 6.375%
Interest Rate based on Index + Margin 8.125%
Annual Percentage Rate 7.335% 6.738% 6.559%
Monthly Tax Payment $5,737 $5,737 $5,737
H/O Insurance Payment $125 $125 $125
Initial Principal & Interest Pmt $34,049 $36,856 $49,746
Total Monthly Payment $39,911 $42,718 $55,608

* 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.