**Seller to contribute mortgage rate buy-down with full price offer, making monthly payments more affordable**Located on half an acre on the Kingston Plains, this picturesque New England home features 3 bedrooms, 2 baths, and many updates for modern convenience. First floor with oversized, eat-in kitchen & center island, granite countertops, abundance of cabinet space, and recently refinished flooring. Open concept formal dining room with original wide-pine flooring and built-ins leads into the sunroom with exposed original shiplap. Front living room with woodstove (chimney liner added in 2022) in the fieldstone fireplace. The first floor is rounded out with a primary a bedroom tucked away from the main part of the house, completely renovated full bathroom with laundry, large mudroom, and home gym. Upstairs includes 2 additional bedrooms, a front office, wide-pine flooring, and spacious 3/4 bathroom. Pull down the attic ladder for ample storage or potential expansion. Expansive attached garage is completed with a large workshop area. Ideal for potential ADU conversion or in-home business with plenty of parking. Some major improvements include roof replacement this September 2024, heating system replacement in 2021, hot water heater replacement in 2022, and a septic line replacement in 2021. A more complete list of upgrades is included in the attachments. Conveniently located near shopping, schools, restaurants, Kingston State Park, & major routes.
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5/6 (30 Yr) Adjustable Rate Conforming* |
30 Year Fixed-Rate Conforming |
15 Year Fixed-Rate Conforming |
|
---|---|---|---|
Loan Amount | $555,920 | $555,920 | $555,920 |
Term | 360 months | 360 months | 180 months |
Initial Interest Rate** | 7.250% | 6.990% | 6.250% |
Interest Rate based on Index + Margin | 8.125% | ||
Annual Percentage Rate | 7.582% | 7.159% | 6.518% |
Monthly Tax Payment | $706 | $706 | $706 |
H/O Insurance Payment | $92 | $92 | $92 |
Initial Principal & Interest Pmt | $3,792 | $3,695 | $4,767 |
Total Monthly Payment | $4,590 | $4,493 | $5,565 |
* 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.