Hopeville-Very nice 1, 841 SF, 4 bedroom, 2 bath Farmhouse style Colonial situated on a nice large level lot. Home is a single family home on town records but was set up for family as a two-unit dwelling with separate access to the second floor with additional kitchen, full bath, living room and 2 bedrooms. First floor features include an eat-in kitchen with Oak Raised Panel Cabinets, formal living room with French doors to den/home office, primary bedroom which was formally used as a formal dining room, rear second bedroom, full bath with tub & shower, laundry closet and basement access. There are front and rear covered porches with interior access to the second floor. The large yard also features a large detached garage/barn and paved driveway with plenty of off street parking as well. Newer roof, gutters, boiler, electrical service and oil tank. Great home for a large family, inlaws or income! Just a few minutes to I84 and RT 8, shopping & dining. Home is in good condition overall but will not qualify for FHA/VA financing in it's present condition. Home is being sold in AS-IS condition.
Type | Description | Dimensions | Level |
---|---|---|---|
Bedroom 1 | Ceiling Fan,Hardwood Floor | 9.3 x 11.6 | Main |
Bedroom 2 | Ceiling Fan,Wall/Wall Carpet | 11.1 x 12.1 | Upper |
Bedroom 3 | Softwood Floor | 9.2 x 11.4 | Upper |
Den | Ceiling Fan,Hardwood Floor | 7.6 x 12.4 | Main |
Eat-In Kitchen | Remodeled,Ceiling Fan,Tile Floor | 10.0 x 15.2 | Main |
Eat-In Kitchen | Eating Space,Vinyl Floor | 9.8 x 11.4 | Upper |
Full Bath | Full Bath,Tub w/Shower,Laundry Hookup,Tile Floor | 5.0 x 8.0 | Main |
Full Bath | Stall Shower,Tile Floor | 3.6 x 7.3 | Upper |
Living Room | French Doors,Softwood Floor | 12.0 x 13.0 | Main |
Living Room | Softwood Floor | 12.0 x 15.0 | Upper |
Primary Bedroom | Ceiling Fan,Softwood Floor | 11.1 x 15.2 | Main |
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5/6 (30 Yr) Adjustable Rate Conforming* |
30 Year Fixed-Rate Conforming |
15 Year Fixed-Rate Conforming |
|
---|---|---|---|
Loan Amount | $247,920 | $247,920 | $247,920 |
Term | 360 months | 360 months | 180 months |
Initial Interest Rate** | 7.000% | 6.990% | 6.250% |
Interest Rate based on Index + Margin | 8.125% | ||
Annual Percentage Rate | 7.477% | 7.159% | 6.498% |
Monthly Tax Payment | $502 | $502 | $502 |
H/O Insurance Payment | $75 | $75 | $75 |
Initial Principal & Interest Pmt | $1,649 | $1,648 | $2,126 |
Total Monthly Payment | $2,226 | $2,225 | $2,703 |
* 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.