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There is a particular kind of quiet that arrives when a place becomes yours. The last box is finally down, the door clicks shut behind you, and it lands softly that this is the address you give people now. This is the home where that feeling begins, and where it stays. It is ready for you from the first day. Everything lives on one easy level, open and unhurried, morning light moving through the bay window and across the eat-in kitchen. There is a fireplace for the cold nights and central air for the warm ones. You could carry your life in this weekend and change nothing at all. It is done, it is comfortable, and it hands the whole thing back to you: the freedom to stop worrying about the house and start living the life you came here to begin. Then you step out the back door and feel how much is still ahead of you. The lot next door comes with the home, so the yard keeps opening long after you expect it to stop, and all of that room is a clean page waiting for your handwriting. Picture the first tomatoes you put in the ground here. The first long table under string lights on a July night. The first snow falling across a yard that is finally, actually yours. This is not somebody else's backyard you are borrowing. It is the setting for everything you have not gotten to do yet. The full basement below is more than you even need, waiting quietly for the day you want a studio, a den, a little more room to spread out. There is no rush and no pressure. It simply grows with you. And the ownership stays light. Municipal water and sewer keep your monthly costs low and predictable, with none of the well-and-septic surprises that come with country living. It is the kind of steadiness that lets you breathe out and think about bigger things. Middletown gives you a real place to belong to while you do. There is a show or a film most nights under the marquee at the restored Paramount Theatre, independent kitchens and pizza worth the walk down North Street, and the flat Erie Way Trail following the old rail line for the mornings you want to move. And the city is remarkably easy to leave when you want to: the Middletown station on the NJ Transit Port Jervis Line carries you to Hoboken and Penn Station, Coach USA buses run straight to the Port Authority, and Route 17 and I-84 put you on the road in minutes. Stewart International Airport is 20 minutes out, and Manhattan sits about 70 miles down the line for the days you want it. This is where the next chapter starts. Come make the first memory, then all the ones after it. There is finally room for every one of them.
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.
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Our Executive Mortgage Banker:
$329,900
William Raveis Real Estate
Phone: 888.699.8876
Contact@raveis.com
Senior Vice President - Coaching & Strategic
William Raveis Mortgage, LLC
Phone: 203.980.8025
Frank.Kolb@raveis.com
NMLS Mortgage Loan Originator ID 81725
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5/6 (30 Yr) Adjustable Rate Conforming* |
30 Year Fixed-Rate Conforming |
15 Year Fixed-Rate Conforming |
|
|---|---|---|---|
| Loan Amount | $263,920 | $263,920 | $263,920 |
| Term | 360 months | 360 months | 180 months |
| Initial Interest Rate** | 6.125% | 6.490% | 5.750% |
| Interest Rate based on Index + Margin | 8.125% | ||
| Annual Percentage Rate | 6.424% | 6.640% | 5.972% |
| Monthly Tax Payment | $555 | $555 | $555 |
| H/O Insurance Payment | $75 | $75 | $75 |
| Initial Principal & Interest Pmt | $1,604 | $1,666 | $2,192 |
| Total Monthly Payment | $2,234 | $2,296 | $2,822 |
* 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.