Fantastic downtown Umatilla location is close to parks, schools and churches. The home and in-law home both have new roofs (2023) and both have all new top of the line windows. The home features beautifully restored hardwood floors in the living rm and dining rm. The kitchen was remodeled with newer cabinets and new appliances in 2022. The living rm has a wood burning fireplace and has an electric log set for ambiance and extra wintertime heat. Central AC throughout. There are 3 bedrooms on the 1st floor and 1 bath. And there is a large room with 360 degree windows (older windows) around the 2nd floor which could be used as a 4th bedroom or would make a great studio or office space. The large bedroom in the front right corner could have a bathroom added easily. Other 2 bedrooms have new Lux vinyl plank flooring and nice closet space. The In-law Apartment was also remodelled in 2022 and is currently occupied by a single tenant. Easy to show with flexible tenant in home paying $1, 500 mo rent and in-law apt tenant is currently paying $800 mo. All measurements deemed accurate but please verify your own measurements for accuracy. The back 25' of large back yard is not included in the sale.
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RVP, Mortgage Banker
William Raveis Mortgage, LLC
Phone: 917.838.7300
Melissa.Cohn@raveis.com
NMLS Mortgage Loan Originator ID 16953
5/6 (30 Yr) Adjustable Rate Conforming* |
30 Year Fixed-Rate Conforming |
15 Year Fixed-Rate Conforming |
|
---|---|---|---|
Loan Amount | $239,920 | $239,920 | $239,920 |
Term | 360 months | 360 months | 180 months |
Initial Interest Rate** | 7.000% | 6.875% | 5.990% |
Interest Rate based on Index + Margin | 8.125% | ||
Annual Percentage Rate | 7.551% | 7.042% | 6.160% |
Monthly Tax Payment | $358 | $358 | $358 |
H/O Insurance Payment | $75 | $75 | $75 |
Initial Principal & Interest Pmt | $1,596 | $1,576 | $2,023 |
Total Monthly Payment | $2,029 | $2,009 | $2,456 |
* 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.