274 Mill Road, New Canaan (Silvermine), CT, 06840 | $1,179,000

HISTORIC & WARM WITH RIVER VIEWS describes this 1850's Saltbox located in the Silvermine section of New Canaan, CT. A short 3. 5 mile drive into New Canaan or Wilton Center and only 2 miles to the Rt 7 connector and shops; this home offers tranquility and convenience, all in one. The original section of the home was a Blacksmith shop, once part of the Austin Mill. With carefully chosen expansions over the years, you'll enjoy workable/flexible space, easy for daily life and entertaining. An inviting foyer leads way to a full size guest bath, charming and bright kitchen and living room with stone fireplace. Step up to an expansive dining room with built-ins and French doors leading to a deck, which overlooks the Silvermine River. One more step up and you enter the family room, with vaulted ceiling, terracotta tile floor and an atrium, perfect to use as a reading nook or art studio, with river views as well. Head upstairs to the updated primary with vaulted ceiling and access to the newly remodeled full bath, with large walk-in shower. 2 more generous sized bedrooms, with period detail, complete this floor. Additional storge space in the lower level could easily be converted into finished space, while the stone patio off the living room brings you a private oasis for relaxing and additional entertaining year round. Central air, reinforced structural support and some areas with new paint and floors. Don't miss your opportunity to acquire an extremely well kept, slice of history!!!

Features

  • Town: New Canaan
  • Rooms: 7
  • Bedrooms: 3
  • Baths: 2 full
  • Laundry: Lower Level
  • Style: Colonial,Saltbox
  • Year Built: 1850
  • Garage: Paved,Off Street Parking,On Street Parking
  • Heating: Hot Air
  • Cooling: Central Air
  • Basement: Full With Walk-Out,Unfinished,Concrete Floor
  • Above Grade Approx. Sq. Feet: 2,095
  • Acreage: 0.32
  • Est. Taxes: $11,460
  • Lot Desc: Some Wetlands,Lightly Wooded,Sloping Lot,Fence - Stone,Fence - Wood
  • Water Front: Yes
  • Elem. School: East
  • Middle School: Saxe Middle
  • High School: New Canaan
  • Appliances: Electric Range,Microwave,Refrigerator,Dishwasher,Washer,Dryer
  • MLS#: 170614405
  • Days on Market: 108 days
  • Website: https://www.raveis.com
    /raveis/170614405/274millroad_newcanaan_ct?source=qrflyer
The data relating to real estate for sale on this website appears in part through the SMARTMLS Internet Data Exchange program, a voluntary cooperative exchange of property listing data between licensed real estate brokerage firms, and is provided by SMARTMLS through a licensing agreement. Listing information is from various brokers who participate in the SMARTMLS IDX program and not all listings may be visible on the site. The property information being provided on or through the website is for the personal, non-commercial use of consumers and such information may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Some properties which appear for sale on the website may no longer be available because they are for instance, under contract, sold or are no longer being offered for sale. Property information displayed is deemed reliable but is not guaranteed.

Room Information

Type DescriptionLevel
Bedroom 1 Vaulted Ceiling,Hardwood Floor,Wide Board FloorUpper
Bedroom 2 Vaulted Ceiling,Hardwood Floor,Wide Board FloorUpper
Bedroom 3 Vaulted Ceiling,Hardwood Floor,Wide Board FloorUpper
Bedroom 4 Vaulted Ceiling,Hardwood Floor,Wide Board FloorUpper
Bedroom 5 Vaulted Ceiling,Hardwood Floor,Wide Board FloorUpper
Bedroom 6 Vaulted Ceiling,Hardwood Floor,Wide Board FloorUpper
Bedroom 7 Vaulted Ceiling,Hardwood Floor,Wide Board FloorUpper
Bedroom 8 Vaulted Ceiling,Hardwood Floor,Wide Board FloorUpper
Bedroom 9 Vaulted Ceiling,Hardwood Floor,Wide Board FloorUpper
Bedroom 10 Vaulted Ceiling,Hardwood Floor,Wide Board FloorUpper
Bedroom 11 Vaulted Ceiling,Hardwood Floor,Wide Board FloorUpper
Bedroom 12 Vaulted Ceiling,Hardwood Floor,Wide Board FloorUpper
Bedroom 13 Vaulted Ceiling,Hardwood Floor,Wide Board FloorUpper
Bedroom 14 Vaulted Ceiling,Hardwood Floor,Wide Board FloorUpper
Bedroom 15 Vaulted Ceiling,Hardwood Floor,Wide Board FloorUpper
Bedroom 16 Vaulted Ceiling,Hardwood Floor,Wide Board FloorUpper
Bedroom 17 Vaulted Ceiling,Hardwood Floor,Wide Board FloorUpper
Bedroom 18 Vaulted Ceiling,Hardwood Floor,Wide Board FloorUpper
Bedroom 19 Vaulted Ceiling,Hardwood Floor,Wide Board FloorUpper
Bedroom 20 Vaulted Ceiling,Hardwood Floor,Wide Board FloorUpper
Bedroom 21 Vaulted Ceiling,Hardwood Floor,Wide Board FloorUpper
Bedroom 22 Vaulted Ceiling,Hardwood Floor,Wide Board FloorUpper
Bedroom 23 Vaulted Ceiling,Hardwood Floor,Wide Board FloorUpper
Bedroom 24 Vaulted Ceiling,Hardwood Floor,Wide Board FloorUpper
Bedroom 25 Hardwood Floor,Wide Board FloorUpper
Bedroom 26 Hardwood Floor,Wide Board FloorUpper
Bedroom 27 Hardwood Floor,Wide Board FloorUpper
Bedroom 28 Hardwood Floor,Wide Board FloorUpper
Bedroom 29 Hardwood Floor,Wide Board FloorUpper
Bedroom 30 Hardwood Floor,Wide Board FloorUpper
Bedroom 31 Hardwood Floor,Wide Board FloorUpper
Bedroom 32 Hardwood Floor,Wide Board FloorUpper
Bedroom 33 Hardwood Floor,Wide Board FloorUpper
Bedroom 34 Hardwood Floor,Wide Board FloorUpper
Bedroom 35 Hardwood Floor,Wide Board FloorUpper
Bedroom 36 Hardwood Floor,Wide Board FloorUpper
Bedroom 37 Hardwood Floor,Wide Board FloorUpper
Bedroom 38 Hardwood Floor,Wide Board FloorUpper
Bedroom 39 Hardwood Floor,Wide Board FloorUpper
Bedroom 40 Hardwood Floor,Wide Board FloorUpper
Bedroom 41 Hardwood Floor,Wide Board FloorUpper
Bedroom 42 Hardwood Floor,Wide Board FloorUpper
Bedroom 43 Hardwood Floor,Wide Board FloorUpper
Bedroom 44 Hardwood Floor,Wide Board FloorUpper
Bedroom 45 Hardwood Floor,Wide Board FloorUpper
Bedroom 46 Hardwood Floor,Wide Board FloorUpper
Bedroom 47 Hardwood Floor,Wide Board FloorUpper
Bedroom 48 Hardwood Floor,Wide Board FloorUpper
Bedroom 49 Hardwood Floor,Wide Board FloorUpper
Bedroom 50 Hardwood Floor,Wide Board FloorUpper
Bedroom 51 Hardwood Floor,Wide Board FloorUpper
Dining Room Balcony/Deck,Built-Ins,French Doors,Hardwood Floor,Wide Board FloorMain
Dining Room Balcony/Deck,Built-Ins,French Doors,Hardwood Floor,Wide Board FloorMain
Dining Room Balcony/Deck,Built-Ins,French Doors,Hardwood Floor,Wide Board FloorMain
Dining Room Balcony/Deck,Built-Ins,French Doors,Hardwood Floor,Wide Board FloorMain
Dining Room Balcony/Deck,Built-Ins,French Doors,Hardwood Floor,Wide Board FloorMain
Dining Room Balcony/Deck,Built-Ins,French Doors,Hardwood Floor,Wide Board FloorMain
Dining Room Balcony/Deck,Built-Ins,French Doors,Hardwood Floor,Wide Board FloorMain
Dining Room Balcony/Deck,Built-Ins,French Doors,Hardwood Floor,Wide Board FloorMain
Dining Room Balcony/Deck,Built-Ins,French Doors,Hardwood Floor,Wide Board FloorMain
Dining Room Balcony/Deck,Built-Ins,French Doors,Hardwood Floor,Wide Board FloorMain
Dining Room Balcony/Deck,Built-Ins,French Doors,Hardwood Floor,Wide Board FloorMain
Dining Room Balcony/Deck,Built-Ins,French Doors,Hardwood Floor,Wide Board FloorMain
Dining Room Balcony/Deck,Built-Ins,French Doors,Hardwood Floor,Wide Board FloorMain
Dining Room Balcony/Deck,Built-Ins,French Doors,Hardwood Floor,Wide Board FloorMain
Dining Room Balcony/Deck,Built-Ins,French Doors,Hardwood Floor,Wide Board FloorMain
Dining Room Balcony/Deck,Built-Ins,French Doors,Hardwood Floor,Wide Board FloorMain
Dining Room Balcony/Deck,Built-Ins,French Doors,Hardwood Floor,Wide Board FloorMain
Dining Room Balcony/Deck,Built-Ins,French Doors,Hardwood Floor,Wide Board FloorMain
Dining Room Balcony/Deck,Built-Ins,French Doors,Hardwood Floor,Wide Board FloorMain
Dining Room Balcony/Deck,Built-Ins,French Doors,Hardwood Floor,Wide Board FloorMain
Dining Room Balcony/Deck,Built-Ins,French Doors,Hardwood Floor,Wide Board FloorMain
Dining Room Balcony/Deck,Built-Ins,French Doors,Hardwood Floor,Wide Board FloorMain
Dining Room Balcony/Deck,Built-Ins,French Doors,Hardwood Floor,Wide Board FloorMain
Dining Room Balcony/Deck,Built-Ins,French Doors,Hardwood Floor,Wide Board FloorMain
Dining Room Balcony/Deck,Built-Ins,French Doors,Hardwood Floor,Wide Board FloorMain
Dining Room Balcony/Deck,Built-Ins,French Doors,Hardwood Floor,Wide Board FloorMain
Family Room Atrium,Ceiling Fan,Stone FloorMain
Family Room Atrium,Ceiling Fan,Stone FloorMain
Family Room Atrium,Ceiling Fan,Stone FloorMain
Family Room Atrium,Ceiling Fan,Stone FloorMain
Family Room Atrium,Ceiling Fan,Stone FloorMain
Family Room Atrium,Ceiling Fan,Stone FloorMain
Family Room Atrium,Ceiling Fan,Stone FloorMain
Family Room Atrium,Ceiling Fan,Stone FloorMain
Family Room Atrium,Ceiling Fan,Stone FloorMain
Family Room Atrium,Ceiling Fan,Stone FloorMain
Family Room Atrium,Ceiling Fan,Stone FloorMain
Family Room Atrium,Ceiling Fan,Stone FloorMain
Family Room Atrium,Ceiling Fan,Stone FloorMain
Family Room Atrium,Ceiling Fan,Stone FloorMain
Family Room Atrium,Ceiling Fan,Stone FloorMain
Family Room Atrium,Ceiling Fan,Stone FloorMain
Family Room Atrium,Ceiling Fan,Stone FloorMain
Family Room Atrium,Ceiling Fan,Stone FloorMain
Family Room Atrium,Ceiling Fan,Stone FloorMain
Family Room Atrium,Ceiling Fan,Stone FloorMain
Family Room Atrium,Ceiling Fan,Stone FloorMain
Family Room Atrium,Ceiling Fan,Stone FloorMain
Family Room Atrium,Ceiling Fan,Stone FloorMain
Family Room Atrium,Ceiling Fan,Stone FloorMain
Family Room Atrium,Ceiling Fan,Stone FloorMain
Full Bath Tub w/Shower,Stone FloorMain
Full Bath Tub w/Shower,Stone FloorMain
Full Bath Tub w/Shower,Stone FloorMain
Full Bath Tub w/Shower,Stone FloorMain
Full Bath Tub w/Shower,Stone FloorMain
Full Bath Tub w/Shower,Stone FloorMain
Full Bath Tub w/Shower,Stone FloorMain
Full Bath Tub w/Shower,Stone FloorMain
Full Bath Tub w/Shower,Stone FloorMain
Full Bath Tub w/Shower,Stone FloorMain
Full Bath Tub w/Shower,Stone FloorMain
Full Bath Tub w/Shower,Stone FloorMain
Full Bath Tub w/Shower,Stone FloorMain
Full Bath Tub w/Shower,Stone FloorMain
Full Bath Tub w/Shower,Stone FloorMain
Full Bath Tub w/Shower,Stone FloorMain
Full Bath Tub w/Shower,Stone FloorMain
Full Bath Tub w/Shower,Stone FloorMain
Full Bath Tub w/Shower,Stone FloorMain
Full Bath Tub w/Shower,Stone FloorMain
Full Bath Tub w/Shower,Stone FloorMain
Full Bath Tub w/Shower,Stone FloorMain
Full Bath Tub w/Shower,Stone FloorMain
Full Bath Tub w/Shower,Stone FloorMain
Full Bath Tub w/Shower,Stone FloorMain
Full Bath Tub w/Shower,Stone FloorMain
Full Bath Tub w/Shower,Stone FloorMain
Full Bath Stall Shower,Tile FloorUpper
Full Bath Stall Shower,Tile FloorUpper
Full Bath Stall Shower,Tile FloorUpper
Full Bath Stall Shower,Tile FloorUpper
Full Bath Stall Shower,Tile FloorUpper
Full Bath Stall Shower,Tile FloorUpper
Full Bath Stall Shower,Tile FloorUpper
Full Bath Stall Shower,Tile FloorUpper
Full Bath Stall Shower,Tile FloorUpper
Full Bath Stall Shower,Tile FloorUpper
Full Bath Stall Shower,Tile FloorUpper
Full Bath Stall Shower,Tile FloorUpper
Full Bath Stall Shower,Tile FloorUpper
Full Bath Stall Shower,Tile FloorUpper
Full Bath Stall Shower,Tile FloorUpper
Full Bath Stall Shower,Tile FloorUpper
Full Bath Stall Shower,Tile FloorUpper
Full Bath Stall Shower,Tile FloorUpper
Full Bath Stall Shower,Tile FloorUpper
Full Bath Stall Shower,Tile FloorUpper
Full Bath Stall Shower,Tile FloorUpper
Full Bath Stall Shower,Tile FloorUpper
Full Bath Stall Shower,Tile FloorUpper
Full Bath Stall Shower,Tile FloorUpper
Kitchen Hardwood FloorMain
Kitchen Hardwood FloorMain
Kitchen Hardwood FloorMain
Kitchen Hardwood FloorMain
Kitchen Hardwood FloorMain
Kitchen Hardwood FloorMain
Kitchen Hardwood FloorMain
Kitchen Hardwood FloorMain
Kitchen Hardwood FloorMain
Kitchen Hardwood FloorMain
Kitchen Hardwood FloorMain
Kitchen Hardwood FloorMain
Kitchen Hardwood FloorMain
Kitchen Hardwood FloorMain
Kitchen Hardwood FloorMain
Kitchen Hardwood FloorMain
Kitchen Hardwood FloorMain
Kitchen Hardwood FloorMain
Kitchen Hardwood FloorMain
Kitchen Hardwood FloorMain
Kitchen Hardwood FloorMain
Kitchen Hardwood FloorMain
Kitchen Hardwood FloorMain
Kitchen Hardwood FloorMain
Kitchen Hardwood FloorMain
Kitchen Hardwood FloorMain
Kitchen Hardwood FloorMain
Living Room Fireplace,Hardwood Floor,Wide Board FloorMain
Living Room Fireplace,Hardwood Floor,Wide Board FloorMain
Living Room Fireplace,Hardwood Floor,Wide Board FloorMain
Living Room Fireplace,Hardwood Floor,Wide Board FloorMain
Living Room Fireplace,Hardwood Floor,Wide Board FloorMain
Living Room Fireplace,Hardwood Floor,Wide Board FloorMain
Living Room Fireplace,Hardwood Floor,Wide Board FloorMain
Living Room Fireplace,Hardwood Floor,Wide Board FloorMain
Living Room Fireplace,Hardwood Floor,Wide Board FloorMain
Living Room Fireplace,Hardwood Floor,Wide Board FloorMain
Living Room Fireplace,Hardwood Floor,Wide Board FloorMain
Living Room Fireplace,Hardwood Floor,Wide Board FloorMain
Living Room Fireplace,Hardwood Floor,Wide Board FloorMain
Living Room Fireplace,Hardwood Floor,Wide Board FloorMain
Living Room Fireplace,Hardwood Floor,Wide Board FloorMain
Living Room Fireplace,Hardwood Floor,Wide Board FloorMain
Living Room Fireplace,Hardwood Floor,Wide Board FloorMain
Living Room Fireplace,Hardwood Floor,Wide Board FloorMain
Living Room Fireplace,Hardwood Floor,Wide Board FloorMain
Living Room Fireplace,Hardwood Floor,Wide Board FloorMain
Living Room Fireplace,Hardwood Floor,Wide Board FloorMain
Living Room Fireplace,Hardwood Floor,Wide Board FloorMain
Living Room Fireplace,Hardwood Floor,Wide Board FloorMain
Living Room Fireplace,Hardwood Floor,Wide Board FloorMain
Living Room Fireplace,Hardwood Floor,Wide Board FloorMain
Living Room Fireplace,Hardwood Floor,Wide Board FloorMain
Primary Bedroom Vaulted Ceiling,Ceiling Fan,Wall/Wall CarpetUpper
Primary Bedroom Vaulted Ceiling,Ceiling Fan,Wall/Wall CarpetUpper
Primary Bedroom Vaulted Ceiling,Ceiling Fan,Wall/Wall CarpetUpper
Primary Bedroom Vaulted Ceiling,Ceiling Fan,Wall/Wall CarpetUpper
Primary Bedroom Vaulted Ceiling,Ceiling Fan,Wall/Wall CarpetUpper
Primary Bedroom Vaulted Ceiling,Ceiling Fan,Wall/Wall CarpetUpper
Primary Bedroom Vaulted Ceiling,Ceiling Fan,Wall/Wall CarpetUpper
Primary Bedroom Vaulted Ceiling,Ceiling Fan,Wall/Wall CarpetUpper
Primary Bedroom Vaulted Ceiling,Ceiling Fan,Wall/Wall CarpetUpper
Primary Bedroom Vaulted Ceiling,Ceiling Fan,Wall/Wall CarpetUpper
Primary Bedroom Vaulted Ceiling,Ceiling Fan,Wall/Wall CarpetUpper
Primary Bedroom Vaulted Ceiling,Ceiling Fan,Wall/Wall CarpetUpper
Primary Bedroom Vaulted Ceiling,Ceiling Fan,Wall/Wall CarpetUpper
Primary Bedroom Vaulted Ceiling,Ceiling Fan,Wall/Wall CarpetUpper
Primary Bedroom Vaulted Ceiling,Ceiling Fan,Wall/Wall CarpetUpper
Primary Bedroom Vaulted Ceiling,Ceiling Fan,Wall/Wall CarpetUpper
Primary Bedroom Vaulted Ceiling,Ceiling Fan,Wall/Wall CarpetUpper
Primary Bedroom Vaulted Ceiling,Ceiling Fan,Wall/Wall CarpetUpper
Primary Bedroom Vaulted Ceiling,Ceiling Fan,Wall/Wall CarpetUpper
Primary Bedroom Vaulted Ceiling,Ceiling Fan,Wall/Wall CarpetUpper
Primary Bedroom Vaulted Ceiling,Ceiling Fan,Wall/Wall CarpetUpper
Primary Bedroom Vaulted Ceiling,Ceiling Fan,Wall/Wall CarpetUpper
Primary Bedroom Vaulted Ceiling,Ceiling Fan,Wall/Wall CarpetUpper
Primary Bedroom Vaulted Ceiling,Ceiling Fan,Wall/Wall CarpetUpper
Primary Bedroom Vaulted Ceiling,Ceiling Fan,Wall/Wall CarpetUpper
Primary Bedroom Vaulted Ceiling,Ceiling Fan,Wall/Wall CarpetUpper

William Raveis Family of Services

Our family of companies partner in delivering quality services in a one-stop-shopping environment. Together, we integrate the most comprehensive real estate, mortgage and insurance services available to fulfill your specific real estate needs.

Tina CiufoSales Associate

203.257.2412

Tina.Ciufo@raveis.com

Our family of companies offer our clients a new level of full-service real estate. We shall:

  • Market your home to realize a quick sale at the best possible price
  • Place up to 20+ photos of your home on our website, raveis.com, which receives over 1 billion hits per year
  • Provide frequent communication and tracking reports showing the Internet views your home received on raveis.com
  • Showcase your home on raveis.com with a larger and more prominent format
  • Give you the full resources and strength of William Raveis Real Estate, Mortgage & Insurance and our cutting-edge technology

To learn more about our credentials, visit raveis.com today.

Francine SilbermanVP, Mortgage Banker, William Raveis Mortgage, LLC

NMLS Mortgage Loan Originator ID 69244

914.260.2006

Francine.Silberman@raveis.com

Our Executive Mortgage Banker:

  • Is available to meet with you in our office, your home or office, evenings or weekends
  • Offers you pre-approval in minutes!
  • Provides a guaranteed closing date that meets your needs
  • Has access to hundreds of loan programs, all at competitive rates
  • Is in constant contact with a full processing, underwriting, and closing staff to ensure an efficient transaction

Mace L. RattetVP, Mortgage Banker, William Raveis Mortgage, LLC

NMLS Mortgage Loan Originator ID 69957

914.260.5535

Mace.Rattet@raveis.com

Our Executive Mortgage Banker:

  • Is available to meet with you in our office, your home or office, evenings or weekends
  • Offers you pre-approval in minutes!
  • Provides a guaranteed closing date that meets your needs
  • Has access to hundreds of loan programs, all at competitive rates
  • Is in constant contact with a full processing, underwriting, and closing staff to ensure an efficient transaction

Gene RahillyInsurance Sales Director, William Raveis Insurance

917.494.9386

Gene.Rahilly@raveis.com

Our Insurance Division:

  • Will Provide a home insurance quote within 24 hours
  • Offers full-service coverage such as Homeowner's, Auto, Life, Renter's, Flood and Valuable Items
  • Partners with major insurance companies including Chubb, Kemper Unitrin, The Hartford, Progressive,
    Encompass, Travelers, Fireman's Fund, Middleoak Mutual, One Beacon and American Reliable

Ray CashenPresident, William Raveis Attorney Network

203.925.4590

For homebuyers and sellers, our Attorney Network:

  • Consult on purchase/sale and financing issues, reviews and prepares the sale agreement, fulfills lender
    requirements, sets up escrows and title insurance, coordinates closing documents
  • Offers one-stop shopping; to satisfy closing, title, and insurance needs in a single consolidated experience
  • Offers access to experienced closing attorneys at competitive rates
  • Streamlines the process as a direct result of the established synergies among the William Raveis Family of Companies

274 Mill Road, New Canaan (Silvermine), CT, 06840

$1,179,000

Tina Ciufo

Sales Associate

William Raveis Real Estate

Phone: 203.257.2412

Tina.Ciufo@raveis.com

Francine Silberman

VP, Mortgage Banker

William Raveis Mortgage, LLC

Phone: 914.260.2006

Francine.Silberman@raveis.com

NMLS Mortgage Loan Originator ID 69244

Mace L. Rattet

VP, Mortgage Banker

William Raveis Mortgage, LLC

Phone: 914.260.5535

Mace.Rattet@raveis.com

NMLS Mortgage Loan Originator ID 69957

5/6 (30 Yr)
Adjustable Rate Jumbo*
30 Year
Fixed-Rate Jumbo
15 Year
Fixed-Rate Jumbo
Loan Amount $943,200 $943,200 $943,200
Term 360 months 360 months 180 months
Initial Interest Rate** 6.000% 6.750% 6.500%
Interest Rate based on Index + Margin 8.125%
Annual Percentage Rate 7.377% 6.851% 6.664%
Monthly Tax Payment $955 $955 $955
H/O Insurance Payment $125 $125 $125
Initial Principal & Interest Pmt $5,655 $6,118 $8,216
Total Monthly Payment $6,735 $7,198 $9,296

* 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.