Updated and Expanded 5 Bedroom, 2 Bathroom Cape/Colonial in Sprain Lake Knolls. A must-see interior to truly appreciate its charm please don't judge solely from the exterior. This home underwent significant expansion in 2009, adding a Family Room, Bedroom, and Kitchen with brand new appliances. Further updates include a new roof in 2012, stucco and stone driveway/patio installation in 2019, along with retaining walls for added aesthetic appeal. Enhancements also include the installation of new Anderson windows and sliding doors, central air conditioning and heating, and 5 split AC/Heat units with 3 compressors for exceptional energy efficiency. The backyard is secured with two side gates with locks, and is adorned with vibrant flower and vegetable gardens. This property boasts lower taxes compared to similar homes, which do not reflects potential tax exemptions. Conveniently located near transportation hubs and major highways, this home offers both comfort and accessibility. Taxes do not reflect the star exemption and the SQFT is from the City record of 2155 without basement.
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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 | $639,920 | $639,920 | $639,920 |
Term | 360 months | 360 months | 180 months |
Initial Interest Rate** | 7.250% | 6.990% | 6.250% |
Interest Rate based on Index + Margin | 8.125% | ||
Annual Percentage Rate | 7.945% | 7.171% | 6.538% |
Monthly Tax Payment | $876 | $876 | $876 |
H/O Insurance Payment | $92 | $92 | $92 |
Initial Principal & Interest Pmt | $4,365 | $4,253 | $5,487 |
Total Monthly Payment | $5,333 | $5,221 | $6,455 |
* 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.