Discover the perfect blend of comfort and convenience in this charming 2-bedroom, 2-bath co-op at Kensington Gardens, a premier 55+ community in St. James, NY. Located on the 2nd floor, this home offers easy access and modern living with a spacious layout. Enjoy the convenience of an outside balcony, full car garage, in-unit washer and dryer, and gas for heating and cooking. Step outside and relish the community's top-notch amenities, including a refreshing pool and a welcoming clubhouse ideal for social gatherings and activities. Kensington Gardens offers a serene environment and a vibrant community spirit, making it the perfect place to relax and enjoy your golden years. This well-maintained co-op combines practical features with delightful extras, ensuring a comfortable and enjoyable lifestyle. Don't miss out on the opportunity to call this inviting home your own. CORNER UPPER UNIT WITH STAIRS WITH ATTACHED 1 CAR GARAGE
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William Raveis Real Estate
Phone: 888.699.8876
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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 | $318,304 | $318,304 | $318,304 |
Term | 360 months | 360 months | 180 months |
Initial Interest Rate** | 7.000% | 6.875% | 5.990% |
Interest Rate based on Index + Margin | 8.125% | ||
Annual Percentage Rate | 7.551% | 7.042% | 6.160% |
Monthly Tax Payment | $0 | $0 | $0 |
H/O Insurance Payment | $75 | $75 | $75 |
Initial Principal & Interest Pmt | $2,118 | $2,091 | $2,684 |
Total Monthly Payment | $2,193 | $2,166 | $2,759 |
* 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. The Total Monthly Payment does not include the estimated HOA/Common Charge payment.