Charming, adorable, cute…this home is all that and more. With its mansard roof and welcoming front porch, imagine yourself in days gone by when you could sit and wave to neighbors strolling by. You still can today in this vintage home. Walkable to many different sections of Montpelier, especially the downtown area, this is a great location with playgrounds and parks nearby not to mention restaurants for your every desire. Enter through the foyer and you have a double parlor to the left and a dining room to the right. The kitchen is the back has the most stunning oak cabinets that are a real center piece. With newer appliances and room for an island, the kitchen is the heart of the home. A back porch offers another entrance to hang around and enjoy the flowers. Nine-foot ceilings add to the openness and airy feeling in this joyful home. Upstairs, you’ll find 3 spacious bedrooms and the recently updated all tile bathroom with new fixtures. Many energy improvements have been completed since 2016 including insulation, new water heater, Energy Star washer, new bathroom exhaust fan. A ductless heat pump is being installed in the next few weeks. An energy profile is available showing energy useage at the lower end of the scale. Be sure to explore all of the down payment and closing cost assistance, first generation homebuyer grant, and shared equity assistance programs available in Vermont.
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William Raveis Real Estate
Phone: 888.699.8876
Contact@raveis.com
VP, Mortgage Banker
William Raveis Mortgage, LLC
Phone: 203.415.2989
Brian.Skelly@raveis.com
NMLS Mortgage Loan Originator ID 793093
5/6 (30 Yr) Adjustable Rate Conforming* |
30 Year Fixed-Rate Conforming |
15 Year Fixed-Rate Conforming |
|
---|---|---|---|
Loan Amount | $303,200 | $303,200 | $303,200 |
Term | 360 months | 360 months | 180 months |
Initial Interest Rate** | 6.125% | 5.990% | 4.990% |
Interest Rate based on Index + Margin | 8.125% | ||
Annual Percentage Rate | 7.470% | 6.161% | 5.248% |
Monthly Tax Payment | $725 | $725 | $725 |
H/O Insurance Payment | $75 | $75 | $75 |
Initial Principal & Interest Pmt | $1,842 | $1,816 | $2,396 |
Total Monthly Payment | $2,642 | $2,616 | $3,196 |
* 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.