Quick! Make a wish!! Does it go something like this? I wish there was new inventory on the market. Something that is truly move-in ready with open space, tons of natural light, an eat-in kitchen that a chef would be proud of one with quartz counters, stainless appliances, gleaming cabinets to hold all of my cook & bakeware & all the pantry items I can load up on and plenty of prep& counter space too. I wish it could have a custom backsplash, a professional depth stainless sink, a bay window for my year-round basil & thyme. I wish we could find an open plan kitchen with an adjoining family room that can hold all of us and then some. One with skylights, a high vaulted ceiling & glass doors out to the yard that I dream about the one that is really big & flat, fully fenced & made for play, sun & fun. I wish it had a hot tub & a fire pit & one of those resort-style bars for outdoor entertaining. I also wish for a true dining room for wonderful meals & gatherings. I wish we could finally find a house with main level bedrooms & baths that can hold us, our guests & maybe that au-pair we talk about to help us out. Ductless air conditioning would be great too. Oh and I wish that we could find a really big bedroom for our king sized bed and furniture & still have space for a great walk-in closet. A spa-like bathroom too with double sinks, plenty of vanity space & storage & a shower that looks like it's in a magazine is this too much to wish for? A clean & useful basement would be on the list too. It would have a workshop, tons of storage, places & spaces to use the way we wish to . and oh! I wish we had enough driveway space to put all of our cars & that truck you are hoping for. Am I wishing for too much? Are we dreaming? Pinch yourselves! Dreams come true! Here is your wish 24 (Fredric) in '24! WISH GRANTED!
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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 | $631,200 | $631,200 | $631,200 |
Term | 360 months | 360 months | 180 months |
Initial Interest Rate** | 7.250% | 6.990% | 6.000% |
Interest Rate based on Index + Margin | 8.125% | ||
Annual Percentage Rate | 7.945% | 7.159% | 6.286% |
Monthly Tax Payment | $1,364 | $1,364 | $1,364 |
H/O Insurance Payment | $92 | $92 | $92 |
Initial Principal & Interest Pmt | $4,306 | $4,195 | $5,326 |
Total Monthly Payment | $5,762 | $5,651 | $6,782 |
* 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.