Imagine stepping into a time when homes were crafted with care and a touch of mid-century magic. This cozy St. Albans bungalow welcomes you with all the charm of yesteryear, paired with the promise of endless possibilities. As you walk through the front door, sunlight dances across the warm wood accents and vintage details that whisper of a simpler time. The layout invites you to linger—whether you're curled up with a book in the living room or preparing a meal in the cozy kitchen, everything feels just right. Downstairs, the full walkout basement holds the key to your future plans. A space to transform—a home gym, a creative studio, or the ultimate rec room, complete with a bathroom! Outside, the deep city lot stretches before you, a blank canvas for your imagination. Will it be a lush garden, a place for lawn games, or a serene retreat under the trees? Picture summer evenings spent grilling with friends or quiet mornings savoring coffee as the city awakens around you. Just minutes from the vibrant heart of St. Albans, you’re close to local cafes, shops, and everything that makes this community so beloved. Showings begin 1/11/25.
Our family of companies partner in delivering quality services in a one-stop-shopping environment. Together, we integrate the most comprehensive real estate, mortgage and insurance services available to fulfill your specific real estate needs.
Our family of companies offer our clients a new level of full-service real estate. We shall:
To learn more about our credentials, visit raveis.com today.
Our Executive Mortgage Banker:
Our Insurance Division:
$270,000
William Raveis Real Estate
Phone: 888.699.8876
Contact@raveis.com
VP, Mortgage Banker
William Raveis Mortgage, LLC
Phone: 203.415.2989
Brian.Skelly@raveis.com
NMLS Mortgage Loan Originator ID 793093
5/6 (30 Yr) Adjustable Rate Conforming* |
30 Year Fixed-Rate Conforming |
15 Year Fixed-Rate Conforming |
|
---|---|---|---|
Loan Amount | $216,000 | $216,000 | $216,000 |
Term | 360 months | 360 months | 180 months |
Initial Interest Rate** | 7.000% | 7.125% | 6.250% |
Interest Rate based on Index + Margin | 8.125% | ||
Annual Percentage Rate | 7.330% | 7.295% | 6.538% |
Monthly Tax Payment | $448 | $448 | $448 |
H/O Insurance Payment | $75 | $75 | $75 |
Initial Principal & Interest Pmt | $1,437 | $1,455 | $1,852 |
Total Monthly Payment | $1,960 | $1,978 | $2,375 |
* 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.