The perfect little ranch for under $500K in Portsmouth! Located just a few minutes from downtown and within walking distance to Spinnaker Point, this charming sun-filled home sits on a beautiful landscaped lot with private backyard and lush perennial gardens for you to enjoy. This home has is a great place for folks who are downsizing, or those wanting to get into Portsmouth and avoid sky-high rents. An open concept kitchen to living room area gives the home a larger feel and brings great natural light to the entire home. The owner has created a beautiful library in what was the 2nd bedroom, complete with built in bookshelves and plenty of room to stretch out and enjoy a good book or nap. Just down the hall is a full bathroom, and next to that is a charming master bedroom with huge custom closet for all of your clothing & storage needs. The lot is nice and level, with a privacy fence that surrounds the property. Elegant perrennial gardens adorn the front walkway, while raised flower boxes in the back yard await your imagination. A wonderful storage shed sits nicely in the corner to hold all of your toys and keep the back yard looking tidy. Showings begin at the open house weekend (Saturday 7th & Sunday 8th - both days 11am - 1pm). Client will not be making any decision prior to 3PM on Tuesday 10th.
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5/6 (30 Yr) Adjustable Rate Conforming* |
30 Year Fixed-Rate Conforming |
15 Year Fixed-Rate Conforming |
|
---|---|---|---|
Loan Amount | $392,000 | $392,000 | $392,000 |
Term | 360 months | 360 months | 180 months |
Initial Interest Rate** | 6.125% | 6.125% | 4.990% |
Interest Rate based on Index + Margin | 8.125% | ||
Annual Percentage Rate | 7.483% | 6.273% | 5.268% |
Monthly Tax Payment | $471 | $471 | $471 |
H/O Insurance Payment | $75 | $75 | $75 |
Initial Principal & Interest Pmt | $2,382 | $2,382 | $3,098 |
Total Monthly Payment | $2,928 | $2,928 | $3,644 |
* 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.