COMPLETE RENNOVATION OCTOBER 2024 Welcome to this beautifully updated 4-bedroom, 3-full-bath split-level home nestled in the heart of Smithtown! With a thoughtful layout and modern finishes throughout, this home offers everything for today's lifestyle. Step into a spacious and sunlit living room that flows into a newly designed kitchen featuring stainless steel appliances, granite countertops, and a large island perfect for gathering. The primary suite includes a full bath, while two additional bathrooms have been tastefully updated. The lower level provides a cozy family room and a finished basement ideal as a home office, gym, or play area. Outdoors, you'll find a large, fenced backyard with a brand-new patio, ready for entertaining and relaxation. , Additional information: Appearance: Diamond
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Our Executive Mortgage Banker:
Our Insurance Division:
$799,990
William Raveis Real Estate
Phone: 888.699.8876
Contact@raveis.com
VP, Mortgage Banker
William Raveis Mortgage, LLC
Phone: 347.223.0992
Sarah.DeFlorio@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 | $639,992 | $639,992 | $639,992 |
Term | 360 months | 360 months | 180 months |
Initial Interest Rate** | 6.750% | 6.625% | 5.750% |
Interest Rate based on Index + Margin | 8.125% | ||
Annual Percentage Rate | 7.300% | 6.778% | 6.034% |
Monthly Tax Payment | $1,275 | $1,275 | $1,275 |
H/O Insurance Payment | $92 | $92 | $92 |
Initial Principal & Interest Pmt | $4,151 | $4,098 | $5,315 |
Total Monthly Payment | $5,518 | $5,465 | $6,682 |
* 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.