Embark on a new chapter in this charming single-family home situated on the scenic VT/NY border. Despite unforeseen family circumstances, the seller reluctantly offers their first-time home, brimming with potential and awaiting your personal touch. Conveniently located just minutes from the esteemed Mettawee Community School, this 3-bedroom, 1. 5-bathroom abode offers a promising start for families seeking both affordability and community proximity. With school choice available for subsequent years, it's an ideal setting to establish roots and nurture growth. Step inside to find a move-in-ready space, primed for transformation with your vision. While minor cosmetic updates await, the seller has generously provided multiple gallons of brand-new paint, ensuring you have the palette to turn your dreams into reality. The kitchen awaits a fresh look, with additional cupboards awaiting installation—a canvas awaiting your personal flair. Throughout the home, replacement windows invite natural light, while newer mechanicals in the basement promise modern comfort and efficiency. Ample storage abounds inside, with beautiful built-ins, a spacious walk-in pantry adjacent to the kitchen, and convenient pulldown stairs leading to the attic. Outside, a 1-car detached garage complements the property, while a manageable lawn offers space for a pet to roam or for cultivating your own garden haven. Despite the seller's circumstances, this home presents a rare opportunity to make it your own.
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William Raveis Real Estate
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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 | $123,920 | $123,920 | $123,920 |
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 | N/A | N/A | N/A |
H/O Insurance Payment | $75 | $75 | $75 |
Initial Principal & Interest Pmt | $845 | $824 | $1,063 |
Total Monthly Payment | $920 | $899 | $1,138 |
* 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.