Recently renovated and upgraded saltbox home and 3 room guest cottage w income potential as ADU or rental. Located in a rural Germantown setting, near the Hudson River with views of the Catskill Mountains. Main house: Step into the welcoming main floor, where an open design seamlessly connects the living room with fireplace, dining, and kitchen areas. New heating/cooling system, electrical, and plumbing for comfortable living. The first-floor bedroom/family room offers convenience and privacy, complete with a full bathroom and laundry facilities. The second floor has two generously sized bedrooms and a full bath. Relax on the porch, where a beamed ceiling adds a rustic touch. Venture outside to the shaded patio surrounded by mature trees. The guest cottage boasts cathedral ceilings and a 5ft high loft space. Sunlight fills the living room/kitchen while a private bedroom and bath offers restful nights. The new enclosed porch with deck completes the picture. 675 square feet on one level. Move-in ready, offering income potential as ADU and brimming with potential. Select rooms have been virtually staged to give you an idea of interior styling.
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Our Executive Mortgage Banker:
Our Insurance Division:
$574,900
William Raveis Real Estate
Phone: 888.699.8876
Contact@raveis.com
VP, Mortgage Banker
William Raveis Mortgage, LLC
Phone: 347.223.0992
Sarah.Alvarez@Raveis.com
NMLS Mortgage Loan Originator ID 1880936
5/6 (30 Yr) Adjustable Rate Conforming* |
30 Year Fixed-Rate Conforming |
15 Year Fixed-Rate Conforming |
|
---|---|---|---|
Loan Amount | $459,920 | $459,920 | $459,920 |
Term | 360 months | 360 months | 180 months |
Initial Interest Rate** | 7.250% | 6.990% | 5.990% |
Interest Rate based on Index + Margin | 8.125% | ||
Annual Percentage Rate | 7.655% | 7.146% | 6.276% |
Monthly Tax Payment | $317 | $317 | $317 |
H/O Insurance Payment | $92 | $92 | $92 |
Initial Principal & Interest Pmt | $3,137 | $3,057 | $3,879 |
Total Monthly Payment | $3,546 | $3,466 | $4,288 |
* 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.