Perfect for first time home owners or those looking to downsize! 1-2 bedroom home nestled in quite neighborhood near Wolcott town-line. You can enter this home through the front door into the cozy living room with fireplace, or into the breeze way which will also lead to garage and rear deck. The breeze way is large- and can be used as a dining area, mud room, porch or small recreation area. 1 car garage is attached with access to home and has an electronic door opener. The kitchen has all stainless steel appliances, a skylight, tiled flooring, numerous cabinets and includes a large wooden country style hutch. The living room is a cozy room with fireplace (electric insert and new chimney) adjacent to living area with recessed lighting. One large bedroom with hard wood flooring and large full bath on main floor. Cedar closet in hallway. There is a full basement with a finished room for bedroom or recreation area. Updates include new high efficiency furnace, hot water heater, new oil tank, new insulation, and added sub-panel. Solar panels on roof make electric bills extremely low. Rear yard has a large deck for entertaining, a large wooden storage shed and plenty of room for out door recreation. This house is close to all shopping and bus lines. Ready to make this house into your new home with a little TLC? Come take a look! Sold "as is. "
Type | Description | Level |
---|---|---|
Full Bath | Main | |
Kitchen | Skylight,Double-Sink | Main |
Living Room | Fireplace,Hardwood Floor | Main |
Other | Lower | |
Primary Bedroom | Ceiling Fan | Main |
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NMLS Mortgage Loan Originator ID 81725
5/6 (30 Yr) Adjustable Rate Conforming* |
30 Year Fixed-Rate Conforming |
15 Year Fixed-Rate Conforming |
|
---|---|---|---|
Loan Amount | $191,920 | $191,920 | $191,920 |
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 | $475 | $475 | $475 |
H/O Insurance Payment | $75 | $75 | $75 |
Initial Principal & Interest Pmt | $1,277 | $1,276 | $1,646 |
Total Monthly Payment | $1,827 | $1,826 | $2,196 |
* 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.