Here is a brand new house with nice views on a big open sunny lot just a mile out of town. The contractor/owner started building the home two years ago and temporarily moved into the basement while building the home. This was going to be his retirement/forever home. Due to recent health concerns, the plan has changed and the house is now for sale. The main level has just been finished, and it has never been lived in - so you are getting a brand new home. You get a big open, kitchen, dining room, and living room that beams with sunlight. The fully applianced kitchen has a handy island with overhang for cafe chairs. There are also two pantries. The kitchen cabinets have granite counter tops. Adjoining the living room there is a sun room with windows on 3 sides. The master bedroom with 2 closets is on the south side of the house adjacent to a 3/4 bath with step in shower. The 2nd bedroom has its own half bath and a closet. There is an attached 1 car garage with direct entry into the house. The full walk out basement has crude living quarters with a big central room that was used for a dining and living room, three bedrooms, a laundry room, and a full bath. Ceilings are high and there are I beams so the area can be rearranged for whatever you want. It could be more bedroom space, a studio, office, classroom, garage, or whatever you need. There is a garage door, and this space is heated by a hot air furnace. An adjoining 3. 4 acre lot is available for $30, 000 more
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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 | $455,200 | $455,200 | $455,200 |
Term | 360 months | 360 months | 180 months |
Initial Interest Rate** | 7.375% | 6.990% | 5.990% |
Interest Rate based on Index + Margin | 8.125% | ||
Annual Percentage Rate | 7.879% | 7.159% | 6.276% |
Monthly Tax Payment | $587 | $587 | $587 |
H/O Insurance Payment | $92 | $92 | $92 |
Initial Principal & Interest Pmt | $3,144 | $3,025 | $3,839 |
Total Monthly Payment | $3,822 | $3,703 | $4,517 |
* 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.