This charming three-bedroom, one-bath ranch in Lake Hills, Ronkonkoma offers comfort and convenience in a prime location. The home features a full eat-in kitchen, a spacious full bath, and hardwood floors in the bedrooms, with wood flooring throughout the living room and formal dining room. The full finished basement includes two additional bathrooms, and an outside entrance, making it perfect for extended family, living or entertaining. The property also boasts a detached one-car garage, a 10-year-young roof, and newer oil burner and central AC units. Situated on a private 1/4 acre lot, this home is a commuter's dream, just minutes from the Long Island Expressway and within 10 minutes of the Ronkonkoma line of the Long Island Railroad. Close to shopping, parks, and schools, this home offers the best of suburban living.
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Our Executive Mortgage Banker:
Our Insurance Division:
$615,000
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 | $492,000 | $492,000 | $492,000 |
Term | 360 months | 360 months | 180 months |
Initial Interest Rate** | 7.375% | 6.990% | 5.990% |
Interest Rate based on Index + Margin | 8.125% | ||
Annual Percentage Rate | 7.708% | 7.133% | 6.256% |
Monthly Tax Payment | $890 | $890 | $890 |
H/O Insurance Payment | $92 | $92 | $92 |
Initial Principal & Interest Pmt | $3,398 | $3,270 | $4,149 |
Total Monthly Payment | $4,380 | $4,252 | $5,131 |
* 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.