Receive a temporary mortgage rate buy down as low as 5. 5% for well qualified buyers. Save as much as $498 per month on your mortgage payment with the 2-1 buy down program! Wonderfully efficient, single story home in a PRIME Derby location with tons of privacy and long range views! Situated on just over 4 acres of land you will find this 3 bedroom, 2 full bathroom home with numerous updates completed over the last 6 months. Enjoy the convenience of single story living in this home with an entry-way leading to a large, fully insulated mudroom w/ sliding glass doors to the backyard. Make way to the main living area of the home you will find a spacious kitchen w/ new counters and light fixtures, a dining area, large living area w/ electric fireplace and large windows allowing for tons of natural light and the ability to take in the view! Making up the rest of the living space is 3 bedrooms and a fully remodeled full bathroom w/ double vanity. Need more space? The unfinished, walk-out lower level offers tons of potential for additional living space. In addition, there is a newly added full bathroom with laundry hook-ups and ample storage space! Additional updates to include all new flooring, updated electrical, some windows and doors, interior paint, updated electrical and more! Enjoy the peace and quiet that this property has to offer while being just minutes to all town amenities, schools, stores, North Country Hospital and more. Call today for further information!
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Our Executive Mortgage Banker:
Our Insurance Division:
$398,500
William Raveis Real Estate
Phone: 888.699.8876
Contact@raveis.com
VP, Mortgage Banker
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 | $318,800 | $318,800 | $318,800 |
Term | 360 months | 360 months | 180 months |
Initial Interest Rate** | 7.250% | 7.125% | 6.250% |
Interest Rate based on Index + Margin | 8.125% | ||
Annual Percentage Rate | 7.945% | 7.282% | 6.538% |
Monthly Tax Payment | $254 | $254 | $254 |
H/O Insurance Payment | $75 | $75 | $75 |
Initial Principal & Interest Pmt | $2,175 | $2,148 | $2,733 |
Total Monthly Payment | $2,504 | $2,477 | $3,062 |
* 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.