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Welcome to 99 Hill Top Drive, a well-maintained Colonial offering 1, 744
square feet of living space on a flat, fenced lot in a sought-after
Johnston neighborhood. Built in 2006 and cared for by the original owners,
this home combines modern comfort with a classic layout. The first floor
features hardwood floors and a bright, open flow from living room to dining
area and kitchen. The kitchen includes granite countertops, ample
cabinetry, and plenty of prep space, with an adjacent dining area ideal for
gatherings. A convenient half bath completes the main level. Upstairs are
three bedrooms, including a spacious primary suite with private full bath,
plus two additional bedrooms and a second full bath. A full, unfinished
basement offers excellent storage and potential for future expansion.
Outside, enjoy a deck and patio overlooking the level, fully fenced
backyard. A shed provides additional storage, and the asphalt driveway
accommodates four cars. Recent updates include replaced first-floor windows
for added efficiency. Heating is oil with central air cooling. Located just
minutes from I-295 and only 10 minutes to Providence, 20 minutes to T. F.
Green Airport, 40 minutes to Newport and area beaches, and about an hour to
Boston. This home offers the perfect balance of space, convenience, and a
commuter-friendly location in a quiet setting.
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5/6 (30 Yr) Adjustable Rate Conforming* |
30 Year Fixed-Rate Conforming |
15 Year Fixed-Rate Conforming |
|
|---|---|---|---|
| Loan Amount | $400,000 | $400,000 | $400,000 |
| Term | 360 months | 360 months | 180 months |
| Initial Interest Rate** | 5.875% | 6.375% | 5.490% |
| Interest Rate based on Index + Margin | 8.125% | ||
| Annual Percentage Rate | 6.583% | 6.533% | 5.764% |
| Monthly Tax Payment | $469 | $469 | $469 |
| H/O Insurance Payment | $92 | $92 | $92 |
| Initial Principal & Interest Pmt | $2,366 | $2,495 | $3,266 |
| Total Monthly Payment | $2,927 | $3,056 | $3,827 |
* 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.