Walk to town from this sweet cottage in Middlebury! The charming wrap around front porch greets you as you pull up to the property. The home features a standing seam roof, hardwood floors, and some original woodwork and features. The kitchen has been opened up to the dining and living areas, with beautiful glass cabinet doors on a built in hutch. The fireplace at the end of the living room is not currently used, but with some updates could be usable once again! A first floor room makes a great office, or could be a first floor bedroom. Upstairs are two good sized bedrooms with a full bath to share. An open landing space leaves room for a sitting area or desk! The front porch is where you will want to sit to watch the passersby and greet friends. The owner has added weatherization upgrades to the basement with insulation, vapor barrier and a new energy efficient hot water heat pump. An attached garage/shed will come in handy to store gardening implements, bikes or equipment. Living so close to town and Middlebury College, you will no doubt enjoy the restaurants, shopping, theater and all that this college town has to offer!
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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 | $311,200 | $311,200 | $311,200 |
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 | $523 | $523 | $523 |
H/O Insurance Payment | $75 | $75 | $75 |
Initial Principal & Interest Pmt | $1,891 | $1,864 | $2,459 |
Total Monthly Payment | $2,488 | $2,461 | $3,056 |
* 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.