Brand New Manufactured Home available in Ryder Woods Association! This 52' Home has everything! Luxury Vinyl flooring in the Kitchen, Living Room and Hallways. Both Bedrooms have wall-to-wall carpeting in a low pile, easy to clean product. Brand new Stainless Appliances, Formica with Laminate Granite Countertops and Salvaged Oak Cabinetry in the Kitchen. Primary Bedroom with double wide closet. Second Bedroom is at the other side of the home for added privacy. One Full Bathroom, directly across from the Washer/Dryer hook-ups. Easy Living in a safe community with a Clubhouse for use by the Residents, low Lot Rent Fee and Friendly Neighbors. Previous buyers financing fell through at the last minute. Per the association they are looking for a debt-to-income ratio of 37% or lower. UNITS MUST BE OWNER OCCUPIED and they cannot be rented. There is also an application & interview process for the association. Please make sure that your buyer meets these requirements. They will also be required to provide bank statements and tax returns, proof of income, etc. with the application.
Type | Description | Level |
---|---|---|
Bedroom 1 | Wall/Wall Carpet | Main |
Eat-In Kitchen | Vinyl Floor | Main |
Full Bath | Tub w/Shower,Vinyl Floor | Main |
Living Room | Vinyl Floor | Main |
Primary Bedroom | Wall/Wall Carpet | Main |
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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 | $148,000 | $148,000 | $148,000 |
Term | 360 months | 360 months | 180 months |
Initial Interest Rate** | 7.125% | 6.990% | 5.990% |
Interest Rate based on Index + Margin | 8.125% | ||
Annual Percentage Rate | 7.456% | 7.171% | 6.276% |
Monthly Tax Payment | $120 | $120 | $120 |
H/O Insurance Payment | $75 | $75 | $75 |
Initial Principal & Interest Pmt | $997 | $984 | $1,248 |
Total Monthly Payment | $1,192 | $1,179 | $1,443 |
* 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. The Total Monthly Payment does not include the estimated HOA/Common Charge payment.