Charming and Spacious Updated Ranch in Centereach Welcome to this beautifully updated and expanded ranch home, offering an abundance of space and modern amenities. This inviting , single-family residence features a blend of classic charm and contemporary upgrades, making it perfect for comfortable living. - Updated Kitchen: The heart of the home boasts granite countertops, recently purchased, stainless steel appliances, and tile flooring, creating a warm and inviting space for cooking and entertaining. - Open Concept: The open concept layout enhances the flow between the kitchen, dining, and living areas, making it ideal for modern living and entertaining. - Spacious Bedrooms: Enjoy the comfort of generously sized bedrooms with a mix of oak and carpeted flooring, providing a cozy retreat for relaxation. - Modern Bathrooms: The newer baths are designed with modern fixtures and finishes, ensuring a luxurious experience. - Finished Basement: The huge, finished, and heated basement offers versatile space for a home office, gym, or entertainment area. - Energy Efficiency: Benefit from solar hot water heating and central air conditioning, enhancing the home's energy efficiency and comfort. - Outdoor Living: The fenced, private yard provides a safe and serene outdoor space, perfect for gatherings, gardening, or simply enjoying the outdoors. - Garage and Attic: This home includes one garage space with an added attic entrance, offering convenient and secure parking along with additional storage space. This home has modest and charming curb appeal, this home is much larger than it appears, offering ample living space for a growing family or those who love to entertain in a lovely neighborhood. Don't miss the opportunity to own this delightful home in Centereach!
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William Raveis Real Estate
Phone: 888.699.8876
Contact@raveis.com
VP, Mortgage Banker
William Raveis Mortgage, LLC
Phone: 347.223.0992
Sarah.Alvarez@Raveis.com
NMLS Mortgage Loan Originator ID 1880936
5/6 (30 Yr) Adjustable Rate Conforming* |
30 Year Fixed-Rate Conforming |
15 Year Fixed-Rate Conforming |
|
---|---|---|---|
Loan Amount | $439,200 | $439,200 | $439,200 |
Term | 360 months | 360 months | 180 months |
Initial Interest Rate** | 6.375% | 6.125% | 4.990% |
Interest Rate based on Index + Margin | 8.125% | ||
Annual Percentage Rate | 7.512% | 6.273% | 5.248% |
Monthly Tax Payment | $854 | $854 | $854 |
H/O Insurance Payment | $92 | $92 | $92 |
Initial Principal & Interest Pmt | $2,740 | $2,669 | $3,471 |
Total Monthly Payment | $3,686 | $3,615 | $4,417 |
* 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.