This attached home is what we in Saddlebrook call a cluster home. This cluster home is a two-story with one-bedroom downstairs with a half-bath next to it, and two-bedrooms upstairs and two-baths adjoining the bedrooms with each having a balcony to step out to sit out mornings and evenings to enjoy watching the sunrise and sunsets and the many birds Saddlebrook has always vising us. The Great Room is is very spacious and it is nest to the kitchen and dining area wehich both overlook the large lanai where breakfast and barbecues can be had on many a weekend. There isn't a home next to them so there is a lot of privacy to the side of them. Walking to the community pool is very close, and since most of the single family homes have pools, it is usually vacant, and it can feel like it belongs to you. That is what I felt like when I was here. The cluster HOA maintenance dues includes hazard insurance which so many single family owners have complained their Homeowners insurance having tripled this year, we cluster
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5/6 (30 Yr) Adjustable Rate Conforming* |
30 Year Fixed-Rate Conforming |
15 Year Fixed-Rate Conforming |
|
---|---|---|---|
Loan Amount | $344,000 | $344,000 | $344,000 |
Term | 360 months | 360 months | 180 months |
Initial Interest Rate** | 6.500% | 6.125% | 5.375% |
Interest Rate based on Index + Margin | 8.125% | ||
Annual Percentage Rate | 7.490% | 6.297% | 5.597% |
Monthly Tax Payment | $214 | $214 | $214 |
H/O Insurance Payment | $75 | $75 | $75 |
Initial Principal & Interest Pmt | $2,174 | $2,090 | $2,788 |
Total Monthly Payment | $2,463 | $2,379 | $3,077 |
* 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.