245 Rumsey Road, #2S, Yonkers, NY, 10701 | $159,000
Bright and spacious 1bd apartment for sale at 245 Rumsey Rd. The unit faces the front of the building and gets plenty of natural light throughout the day. The kitchen and bathroom have been nicely renovated, making it move-in ready. The building offers great amenities, including parking, elevator, and laundry facilities. The unit comes with one assigned parking spot, plus plenty of visitor parking. The location is convenient yet private, with easy access to major highways, public transportation, parks, schools, Cross County Shopping Center, and shopping along Central Park Avenue. A great opportunity in a well maintained building. ***IMPORTANT INFORMATION***The coop requires a 20% down payment at contract signing. •The DTI (debt-to-income) ratio must be 30% or less, and the credit score must be 725+ •Gross annual income must be equal to at least four times the annual maintenance and mortgage costs •The unit is 100% wall-to-wall carpeted •12 months of maintenance reserves in liquid assets after closing •No third-party guarantors allowed •Purchase application is attached •1 assigned parking
Features
- Parking: 1-car, Assigned
- Heating: Baseboard
- Cooling: Wall/Window Unit(s)
- Levels: 8
- Rooms: 3
- Bedrooms: 1
- Baths: 1 full
- Year Built: 1953
- Approx Sq. Feet: 725
- Elem. School: Yonkers
- Middle School: Yonkers Middle School
- High School: Yonkers High School
- School District: Yonkers
- Pet Policy: Cats OK, No Dogs
- Appliances: Gas Oven, Gas Range, Microwave, Refrigerator, Stainless Steel Appliance(s)
- MLS#: 966095
- Days on Market: 4 days
- Website: https://www.raveis.com
/prop/966095/245rumseyroad_yonkers_ny?source=qrflyer
William Raveis Family of Services
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888.699.8876
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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
Ryan FortierInsurance Sales Director, William Raveis Insurance
516.739.7731
Ryan.Fortier@raveis.com
Our Insurance Division:
- Will Provide a home insurance quote within 24 hours
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Encompass, Travelers, Fireman's Fund, Middleoak Mutual, One Beacon and American Reliable
245 Rumsey Road, #2S, Yonkers, NY, 10701
$159,000
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 Conforming* |
30 Year Fixed-Rate Conforming |
15 Year Fixed-Rate Conforming |
|
|---|---|---|---|
| Loan Amount | $127,200 | $127,200 | $127,200 |
| Term | 360 months | 360 months | 180 months |
| Initial Interest Rate** | 6.000% | 6.375% | 5.625% |
| Interest Rate based on Index + Margin | 8.125% | ||
| Annual Percentage Rate | 6.395% | 6.533% | 5.900% |
| Monthly Tax Payment | N/A | N/A | N/A |
| H/O Insurance Payment | $75 | $75 | $75 |
| Initial Principal & Interest Pmt | $763 | $794 | $1,048 |
| Total Monthly Payment | $838 | $869 | $1,123 |
* 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.
William Raveis Mortgage, LLC, NMLS ID 2630, 7 Trap Falls Road, Shelton, CT 06484
NY Licensed Mortgage Banker-NYS Banking Department LMBC 106535