33 Palmer Road, Waterford, CT, Connecticut, property flyer

33 Palmer Road, Waterford, CT, 06385 | $2,200,000

Absolutely stunning waterfront 5 BR/5. 5 BA Custom Home on Long Island Sound. The open floor plan offers panoramic views from nearly every room in the house. This architecturally designed contemporary home was built with attention to detail with quality built-in cabinetry and shelving offering loads of storage. Perfect home for entertaining in the gourmet kitchen complete with 6 burner gas cooktop w/ grill, 2 refrigerators, double oven and a pantry prep area. Dining area with custom lighted constellation tray ceiling and a 4 season room with a curved wall of glass. Beautiful marble fireplace in LR with hardwood floors and crown moldings. Elegant split staircase leads you to the 2nd floor with 4 generous sized BRs, den with wet bar and 3 separate balconies. The 3rd floor Owner Suite offers a retreat with a sitting area with fireplace, vaulted ceiling, built-in desk area, balcony, custom marble bath and walk-in shower. Elevator allows access to all floors. Basement has a theater room with stadium seating, workshop, safe room and built-in storage cabinets. 2 Story outbuilding on the property complete with 1/2 BA, sunroom and loft area. Home is on Jordan Cove which offers swimmable water and at low tide allows for long walks along the flats. Pleasure Beach within walking distance. This home is a must see! Quality and features that could not be replicated at this price. Set up a private viewing of this spectacular property and you'll want to call it Home!

Features

Rooms: 13
Bedrooms: 5
Baths: 5 full / 1 half
Laundry: Main Level
Style: Contemporary
Year Built: 1994
Garage: 3-car Attached Garage,Detached Garage
Heating: Heat Pump,Hot Air

Cooling: Central Air,Heat Pump
Basement: Full,Heated,Sump Pump,Interior Access,Partially Finished,Liveable Space
Above Grade Approx. Sq. Feet: 4,639
Below Grade Approx. Sq. Feet: 366
Acreage: 0.4
Est. Taxes: $19,792
Lot Desc: Fence - Partial,Level Lot,Water View
Water Front: Yes

Elem. School: Per Board of Ed
High School: Per Board of Ed
Appliances: Gas Cooktop,Wall Oven,Refrigerator,Dishwasher,Disposal,Washer,Electric Dryer
MLS#: 170623322
Days on Market: 93 days
Website: https://www.raveis.com
/eprop/170623322/33palmerroad_waterford_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.
Listing courtesy of RE/MAX on the Bay

Room Information

Type	Description	Dimensions	Level
Bedroom 1	Full Bath,Wall/Wall Carpet		Upper
Bedroom 2	Full Bath,Wall/Wall Carpet		Upper
Bedroom 3	Full Bath,Wall/Wall Carpet	19X16	Upper
Bedroom 4	Full Bath,Wall/Wall Carpet	19X16	Upper
Bedroom 5	Full Bath,Wall/Wall Carpet	19X16	Upper
Bedroom 6	Full Bath,Wall/Wall Carpet	19X16	Upper
Bedroom 7	Full Bath,Wall/Wall Carpet	19X16	Upper
Bedroom 8	Full Bath,Wall/Wall Carpet	19X16	Upper
Bedroom 9	Full Bath,Wall/Wall Carpet	19X16	Upper
Bedroom 10	Full Bath,Wall/Wall Carpet	19X16	Upper
Bedroom 11	Full Bath,Wall/Wall Carpet	19X16	Upper
Bedroom 12	Full Bath,Wall/Wall Carpet	19X16	Upper
Bedroom 13	Full Bath,Wall/Wall Carpet	19X16	Upper
Bedroom 14	Full Bath,Wall/Wall Carpet	19X16	Upper
Bedroom 15	Full Bath,Wall/Wall Carpet	19X16	Upper
Bedroom 16	Full Bath,Wall/Wall Carpet	19X16	Upper
Bedroom 17	Full Bath,Wall/Wall Carpet	19X16	Upper
Bedroom 18	Full Bath,Wall/Wall Carpet	19X16	Upper
Bedroom 19	Balcony/Deck,Built-Ins,Wall/Wall Carpet		Upper
Bedroom 20	Balcony/Deck,Built-Ins,Wall/Wall Carpet		Upper
Bedroom 21	Balcony/Deck,Built-Ins,Wall/Wall Carpet	15X14	Upper
Bedroom 22	Balcony/Deck,Built-Ins,Wall/Wall Carpet	15X14	Upper
Bedroom 23	Balcony/Deck,Built-Ins,Wall/Wall Carpet	15X14	Upper
Bedroom 24	Balcony/Deck,Built-Ins,Wall/Wall Carpet	15X14	Upper
Bedroom 25	Balcony/Deck,Built-Ins,Wall/Wall Carpet	15X14	Upper
Bedroom 26	Balcony/Deck,Built-Ins,Wall/Wall Carpet	15X14	Upper
Bedroom 27	Balcony/Deck,Built-Ins,Wall/Wall Carpet	15X14	Upper
Bedroom 28	Balcony/Deck,Built-Ins,Wall/Wall Carpet	15X14	Upper
Bedroom 29	Balcony/Deck,Built-Ins,Wall/Wall Carpet	15X14	Upper
Bedroom 30	Balcony/Deck,Built-Ins,Wall/Wall Carpet	15X14	Upper
Bedroom 31	Balcony/Deck,Built-Ins,Wall/Wall Carpet	15X14	Upper
Bedroom 32	Balcony/Deck,Built-Ins,Wall/Wall Carpet	15X14	Upper
Bedroom 33	Balcony/Deck,Built-Ins,Wall/Wall Carpet	15X14	Upper
Bedroom 34	Balcony/Deck,Built-Ins,Wall/Wall Carpet	15X14	Upper
Bedroom 35	Balcony/Deck,Built-Ins,Wall/Wall Carpet	15X14	Upper
Bedroom 36	Balcony/Deck,Built-Ins,Wall/Wall Carpet	15X14	Upper
Bedroom 37	Balcony/Deck,Built-Ins,Wall/Wall Carpet	15X14	Upper
Bedroom 38	Full Bath,Wall/Wall Carpet		Upper
Bedroom 39	Full Bath,Wall/Wall Carpet		Upper
Bedroom 40	Full Bath,Wall/Wall Carpet	16X14	Upper
Bedroom 41	Full Bath,Wall/Wall Carpet	16X14	Upper
Bedroom 42	Full Bath,Wall/Wall Carpet	16X14	Upper
Bedroom 43	Full Bath,Wall/Wall Carpet	16X14	Upper
Bedroom 44	Full Bath,Wall/Wall Carpet	16X14	Upper
Bedroom 45	Full Bath,Wall/Wall Carpet	16X14	Upper
Bedroom 46	Full Bath,Wall/Wall Carpet	16X14	Upper
Bedroom 47	Full Bath,Wall/Wall Carpet	16X14	Upper
Bedroom 48	Full Bath,Wall/Wall Carpet	16X14	Upper
Bedroom 49	Full Bath,Wall/Wall Carpet	16X14	Upper
Bedroom 50	Full Bath,Wall/Wall Carpet	16X14	Upper
Bedroom 51	Full Bath,Wall/Wall Carpet	16X14	Upper
Bedroom 52	Full Bath,Wall/Wall Carpet	16X14	Upper
Bedroom 53	Full Bath,Wall/Wall Carpet	16X14	Upper
Bedroom 54	Full Bath,Wall/Wall Carpet	16X14	Upper
Bedroom 55	Full Bath,Wall/Wall Carpet	16X14	Upper
Bedroom 56	Full Bath,Wall/Wall Carpet	16X14	Upper
Bedroom 57	Balcony/Deck,Wall/Wall Carpet		Upper
Bedroom 58	Balcony/Deck,Wall/Wall Carpet		Upper
Bedroom 59	Balcony/Deck,Wall/Wall Carpet	19X17	Upper
Bedroom 60	Balcony/Deck,Wall/Wall Carpet	19X17	Upper
Bedroom 61	Balcony/Deck,Wall/Wall Carpet	19X17	Upper
Bedroom 62	Balcony/Deck,Wall/Wall Carpet	19X17	Upper
Bedroom 63	Balcony/Deck,Wall/Wall Carpet	19X17	Upper
Bedroom 64	Balcony/Deck,Wall/Wall Carpet	19X17	Upper
Bedroom 65	Balcony/Deck,Wall/Wall Carpet	19X17	Upper
Bedroom 66	Balcony/Deck,Wall/Wall Carpet	19X17	Upper
Bedroom 67	Balcony/Deck,Wall/Wall Carpet	19X17	Upper
Bedroom 68	Balcony/Deck,Wall/Wall Carpet	19X17	Upper
Bedroom 69	Balcony/Deck,Wall/Wall Carpet	19X17	Upper
Bedroom 70	Balcony/Deck,Wall/Wall Carpet	19X17	Upper
Bedroom 71	Balcony/Deck,Wall/Wall Carpet	19X17	Upper
Bedroom 72	Balcony/Deck,Wall/Wall Carpet	19X17	Upper
Bedroom 73	Balcony/Deck,Wall/Wall Carpet	19X17	Upper
Bedroom 74	Balcony/Deck,Wall/Wall Carpet	19X17	Upper
Dining Room	Gas Log Fireplace,Sliders,Hardwood Floor		Main
Dining Room	Sliders,Hardwood Floor		Main
Dining Room	Sliders,Hardwood Floor	20X17	Main
Dining Room	Sliders,Hardwood Floor	20X17	Main
Dining Room	Sliders,Hardwood Floor	20X17	Main
Dining Room	Sliders,Hardwood Floor	20X17	Main
Dining Room	Sliders,Hardwood Floor	20X17	Main
Dining Room	Sliders,Hardwood Floor	20X17	Main
Dining Room	Sliders,Hardwood Floor	20X17	Main
Dining Room	Sliders,Hardwood Floor	20X17	Main
Dining Room	Sliders,Hardwood Floor	20X17	Main
Dining Room	Sliders,Hardwood Floor	20X17	Main
Dining Room	Sliders,Hardwood Floor	20X17	Main
Dining Room	Sliders,Hardwood Floor	20X17	Main
Dining Room	Sliders,Hardwood Floor	20X17	Main
Dining Room	Sliders,Hardwood Floor	20X17	Main
Dining Room	Sliders,Hardwood Floor	20X17	Main
Dining Room	Sliders,Hardwood Floor	20X17	Main
Dining Room	Sliders,Hardwood Floor	20X17	Main
Kitchen	Granite Counters,Tile Floor		Main
Kitchen	Granite Counters,Tile Floor		Main
Kitchen	Granite Counters,Tile Floor	26X12	Main
Kitchen	Granite Counters,Tile Floor	26X12	Main
Kitchen	Granite Counters,Tile Floor	26X12	Main
Kitchen	Granite Counters,Tile Floor	26X12	Main
Kitchen	Granite Counters,Tile Floor	26X12	Main
Kitchen	Granite Counters,Tile Floor	26X12	Main
Kitchen	Granite Counters,Tile Floor	26X12	Main
Kitchen	Granite Counters,Tile Floor	26X12	Main
Kitchen	Granite Counters,Tile Floor	26X12	Main
Kitchen	Granite Counters,Tile Floor	26X12	Main
Kitchen	Granite Counters,Tile Floor	26X12	Main
Kitchen	Granite Counters,Tile Floor	26X12	Main
Kitchen	Granite Counters,Tile Floor	26X12	Main
Kitchen	Granite Counters,Tile Floor	26X12	Main
Kitchen	Granite Counters,Tile Floor	26X12	Main
Kitchen	Granite Counters,Tile Floor	26X12	Main
Living Room	Built-Ins,Gas Log Fireplace,Hardwood Floor		Main
Living Room	Built-Ins,Gas Log Fireplace,Hardwood Floor		Main
Living Room	Built-Ins,Gas Log Fireplace,Hardwood Floor	25X17	Main
Living Room	Built-Ins,Gas Log Fireplace,Hardwood Floor	25X17	Main
Living Room	Built-Ins,Gas Log Fireplace,Hardwood Floor	25X17	Main
Living Room	Built-Ins,Gas Log Fireplace,Hardwood Floor	25X17	Main
Living Room	Built-Ins,Gas Log Fireplace,Hardwood Floor	25X17	Main
Living Room	Built-Ins,Gas Log Fireplace,Hardwood Floor	25X17	Main
Living Room	Built-Ins,Gas Log Fireplace,Hardwood Floor	25X17	Main
Living Room	Built-Ins,Gas Log Fireplace,Hardwood Floor	25X17	Main
Living Room	Built-Ins,Gas Log Fireplace,Hardwood Floor	25X17	Main
Living Room	Built-Ins,Gas Log Fireplace,Hardwood Floor	25X17	Main
Living Room	Built-Ins,Gas Log Fireplace,Hardwood Floor	25X17	Main
Living Room	Built-Ins,Gas Log Fireplace,Hardwood Floor	25X17	Main
Living Room	Built-Ins,Gas Log Fireplace,Hardwood Floor	25X17	Main
Living Room	Built-Ins,Gas Log Fireplace,Hardwood Floor	25X17	Main
Living Room	Built-Ins,Gas Log Fireplace,Hardwood Floor	25X17	Main
Living Room	Built-Ins,Gas Log Fireplace,Hardwood Floor	25X17	Main
Other	Wet Bar,Hardwood Floor		Upper
Other	Wet Bar,Hardwood Floor		Upper
Other	Wet Bar,Hardwood Floor	14X10	Upper
Other	Wet Bar,Hardwood Floor	14X10	Upper
Other	Wet Bar,Hardwood Floor	14X10	Upper
Other	Wet Bar,Hardwood Floor	14X10	Upper
Other	Wet Bar,Hardwood Floor	14X10	Upper
Other	Wet Bar,Hardwood Floor	14X10	Upper
Other	Wet Bar,Hardwood Floor	14X10	Upper
Other	Wet Bar,Hardwood Floor	14X10	Upper
Other	Wet Bar,Hardwood Floor	14X10	Upper
Other	Wet Bar,Hardwood Floor	14X10	Upper
Other	Wet Bar,Hardwood Floor	14X10	Upper
Other	Wet Bar,Hardwood Floor	14X10	Upper
Other	Wet Bar,Hardwood Floor	14X10	Upper
Other	Wet Bar,Hardwood Floor	14X10	Upper
Other	Wet Bar,Hardwood Floor	14X10	Upper
Other	Wet Bar,Hardwood Floor	14X10	Upper
Other	Wet Bar,Hardwood Floor	14X10	Upper
Other	Vaulted Ceiling,Gas Log Fireplace,On 3rd Floor		Other
Other	Vaulted Ceiling,Gas Log Fireplace,On 3rd Floor		Other
Other	Vaulted Ceiling,Gas Log Fireplace,On 3rd Floor	25X19	Other
Other	Vaulted Ceiling,Gas Log Fireplace,On 3rd Floor	25X19	Other
Other	Vaulted Ceiling,Gas Log Fireplace,On 3rd Floor	25X19	Other
Other	Vaulted Ceiling,Gas Log Fireplace,On 3rd Floor	25X19	Other
Other	Vaulted Ceiling,Gas Log Fireplace,On 3rd Floor	25X19	Other
Other	Vaulted Ceiling,Gas Log Fireplace,On 3rd Floor	25X19	Other
Other	Vaulted Ceiling,Gas Log Fireplace,On 3rd Floor	25X19	Other
Other	Vaulted Ceiling,Gas Log Fireplace,On 3rd Floor	25X19	Other
Other	Vaulted Ceiling,Gas Log Fireplace,On 3rd Floor	25X19	Other
Other	Vaulted Ceiling,Gas Log Fireplace,On 3rd Floor	25X19	Other
Other	Vaulted Ceiling,Gas Log Fireplace,On 3rd Floor	25X19	Other
Other	Vaulted Ceiling,Gas Log Fireplace,On 3rd Floor	25X19	Other
Other	Vaulted Ceiling,Gas Log Fireplace,On 3rd Floor	25X19	Other
Other	Vaulted Ceiling,Gas Log Fireplace,On 3rd Floor	25X19	Other
Other	Vaulted Ceiling,Gas Log Fireplace,On 3rd Floor	25X19	Other
Other	Vaulted Ceiling,Gas Log Fireplace,On 3rd Floor	25X19	Other
Other			Lower
Other			Lower
Other		20X16	Lower
Other		20X16	Lower
Other		20X16	Lower
Other		20X16	Lower
Other		20X16	Lower
Other		20X16	Lower
Other		20X16	Lower
Other		20X16	Lower
Other		20X16	Lower
Other		20X16	Lower
Other		20X16	Lower
Other		20X16	Lower
Other		20X16	Lower
Other		20X16	Lower
Other		20X16	Lower
Primary BR Suite	Balcony/Deck,Built-Ins,Gas Log Fireplace,Full Bath,Wall/Wall Carpet,On 3rd Floor		Other
Primary BR Suite	Balcony/Deck,Built-Ins,Gas Log Fireplace,Full Bath,Wall/Wall Carpet,On 3rd Floor		Other
Primary BR Suite	Balcony/Deck,Built-Ins,Gas Log Fireplace,Full Bath,Wall/Wall Carpet,On 3rd Floor	26X17	Other
Primary BR Suite	Balcony/Deck,Built-Ins,Gas Log Fireplace,Full Bath,Wall/Wall Carpet,On 3rd Floor	26X17	Other
Primary BR Suite	Balcony/Deck,Built-Ins,Gas Log Fireplace,Full Bath,Wall/Wall Carpet,On 3rd Floor	26X17	Other
Primary BR Suite	Balcony/Deck,Built-Ins,Gas Log Fireplace,Full Bath,Wall/Wall Carpet,On 3rd Floor	26X17	Other
Primary BR Suite	Balcony/Deck,Built-Ins,Gas Log Fireplace,Full Bath,Wall/Wall Carpet,On 3rd Floor	26X17	Other
Primary BR Suite	Balcony/Deck,Built-Ins,Gas Log Fireplace,Full Bath,Wall/Wall Carpet,On 3rd Floor	26X17	Other
Primary BR Suite	Balcony/Deck,Built-Ins,Gas Log Fireplace,Full Bath,Wall/Wall Carpet,On 3rd Floor	26X17	Other
Primary BR Suite	Balcony/Deck,Built-Ins,Gas Log Fireplace,Full Bath,Wall/Wall Carpet,On 3rd Floor	26X17	Other
Primary BR Suite	Balcony/Deck,Built-Ins,Gas Log Fireplace,Full Bath,Wall/Wall Carpet,On 3rd Floor	26X17	Other
Primary BR Suite	Balcony/Deck,Built-Ins,Gas Log Fireplace,Full Bath,Wall/Wall Carpet,On 3rd Floor	26X17	Other
Primary BR Suite	Balcony/Deck,Built-Ins,Gas Log Fireplace,Full Bath,Wall/Wall Carpet,On 3rd Floor	26X17	Other
Primary BR Suite	Balcony/Deck,Built-Ins,Gas Log Fireplace,Full Bath,Wall/Wall Carpet,On 3rd Floor	26X17	Other
Primary BR Suite	Balcony/Deck,Built-Ins,Gas Log Fireplace,Full Bath,Wall/Wall Carpet,On 3rd Floor	26X17	Other
Primary BR Suite	Balcony/Deck,Built-Ins,Gas Log Fireplace,Full Bath,Wall/Wall Carpet,On 3rd Floor	26X17	Other
Primary BR Suite	Balcony/Deck,Built-Ins,Gas Log Fireplace,Full Bath,Wall/Wall Carpet,On 3rd Floor	26X17	Other
Primary BR Suite	Balcony/Deck,Built-Ins,Gas Log Fireplace,Full Bath,Wall/Wall Carpet,On 3rd Floor	26X17	Other
Sun Room	Sliders		Main
Sun Room	Sliders		Main
Sun Room	Sliders	16X16	Main
Sun Room	Sliders	16X16	Main
Sun Room	Sliders	16X16	Main
Sun Room	Sliders	16X16	Main
Sun Room	Sliders	16X16	Main
Sun Room	Sliders	16X16	Main
Sun Room	Sliders	16X16	Main
Sun Room	Sliders	16X16	Main
Sun Room	Sliders	16X16	Main
Sun Room	Sliders	16X16	Main
Sun Room	Sliders	16X16	Main
Sun Room	Sliders	16X16	Main
Sun Room	Sliders	16X16	Main
Sun Room	Sliders	16X16	Main
Sun Room	Sliders	16X16	Main
Sun Room	Sliders	16X16	Main

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.

Customer Service

888.699.8876

Contact@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.

Frank KolbSenior Vice President - Coaching & Strategic, William Raveis Mortgage, LLC

NMLS Mortgage Loan Originator ID 81725

203.980.8025

Frank.Kolb@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

Robert ReadeRegional SVP Insurance Sales, William Raveis Insurance

860.690.5052

Robert.Reade@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

33 Palmer Road, Waterford, CT, 06385

$2,200,000

Customer Service

William Raveis Real Estate

Phone: 888.699.8876

Contact@raveis.com

Frank Kolb

Senior Vice President - Coaching & Strategic

William Raveis Mortgage, LLC

Phone: 203.980.8025

Frank.Kolb@raveis.com

NMLS Mortgage Loan Originator ID 81725

	5/6 (30 Yr) Adjustable Rate Jumbo*	30 Year Fixed-Rate Jumbo	15 Year Fixed-Rate Jumbo
Loan Amount	$1,760,000	$1,760,000	$1,760,000
Term	360 months	360 months	180 months
Initial Interest Rate**	6.125%	6.875%	6.625%
Interest Rate based on Index + Margin	8.125%
Annual Percentage Rate	7.430%	6.977%	6.790%
Monthly Tax Payment	$1,649	$1,649	$1,649
H/O Insurance Payment	$125	$125	$125
Initial Principal & Interest Pmt	$10,694	$11,562	$15,453
Total Monthly Payment	$12,468	$13,336	$17,227

* 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.