PRE-inspected!This is your opportunity for a quick closing!This home is located in the Garrison Elementary School district and walking distance to the Dover Middle & High Schools. The home has been carefully divided into 2 rental units, while preserving its Victorian charm including: original door, window hardware, built-in China Cabinet, Butlers Pantry, decorative trim and wood floors. With 2188 Square feet of living space, the house can easily revert to a single-family home with minimal effort. Currently the home includes 2 rented units, each offering 2 bedrooms and 1 bathroom. The main house roof was completely reroofed with new plywood 3 years ago and the barn roof was completely re-done this May. The property is a legal 3 unit with the City. Finish the third unit in the barn-custom designed for yourself, expand first floor living or use it for storage. The barn has exposed beams, 2 working sliding doors, 2 original stall windows and mostly original wood floors throughout. It is a blank slate with its own electric panel. Additional semi-finished space exists on the third floor of the home. With just over a half acre, plant your vegetable gardens, redesign the existing perennials and enjoy the apple trees, abundant black raspberries and mature rhubarb. Out back is a great potting shed or playhouse with a small deck-screen it in! Enjoy the deck off the barn and your large back yard in the company of friends. Conveniently located near Routes 4, 108 and 16
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5/6 (30 Yr) Adjustable Rate Conforming* |
30 Year Fixed-Rate Conforming |
15 Year Fixed-Rate Conforming |
|
---|---|---|---|
Loan Amount | $540,000 | $540,000 | $540,000 |
Term | 360 months | 360 months | 180 months |
Initial Interest Rate** | 7.125% | 6.875% | 5.990% |
Interest Rate based on Index + Margin | 8.125% | ||
Annual Percentage Rate | 7.616% | 7.055% | 6.256% |
Monthly Tax Payment | $741 | $741 | $741 |
H/O Insurance Payment | $92 | $92 | $92 |
Initial Principal & Interest Pmt | $3,638 | $3,547 | $4,554 |
Total Monthly Payment | $4,471 | $4,380 | $5,387 |
* 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.