Welcome to this beautifully situated Hi-Ranch home in Smithtown, hauppauge school district. Located on a quiet mid-block street. Hardwood floors throughout the main living areas, including a spacious L-shaped living room/dining room combo — ideal for gatherings and entertaining. The eat-in kitchen offers plenty of space for casual dining and meal prep, making it the heart of the home. The upper level is highlighted by a primary bedroom with two large closets and convenient interior access to the hall bath. Two additional bedrooms complete the upper floor, offering ample space for family or guests. The lower level provides a fantastic layout for additional living space, including a cozy den with a full bath and kitchenette, ideal for use as an in-law suite, guest quarters, or home office. There’s also a bedroom, laundry area, and direct access to the one-car attached garage. Sliding glass doors lead out to the private back patio, for easy outdoor relaxation or entertaining.
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Our Executive Mortgage Banker:
Our Insurance Division:
$699,999
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 | $559,999 | $559,999 | $559,999 |
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 | 7.330% | 7.171% | 6.538% |
Monthly Tax Payment | $708 | $708 | $708 |
H/O Insurance Payment | $92 | $92 | $92 |
Initial Principal & Interest Pmt | $3,726 | $3,722 | $4,802 |
Total Monthly Payment | $4,526 | $4,522 | $5,602 |
* 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.