Presented byEvan Berman - Broder Team |
One floor living in this fabulous ranch, walking distance to downtown Essex. Come home to this perfect house, nothing to do but unpack. Enjoy cooking and entertaining in the beautiful and spacious kitchen with granite counters and seating, breakfast nook and cozy bench seating in the dining area. The primary bedroom has a gracious walk-in closet, and the bath has a tiled walk-in shower and whirlpool tub with double sink. There are 2 more bedrooms at the other end of the house, one with an ensuite, for privacy with guests and family. Between these two gems is a wonderful living room area with a fireplace and built-in bookshelves for a reading area. Relax or entertain on the patio with an incredible hot tub and outdoor shower. The basement has a finished room for an office, playroom, or tv room, as well as an exercise area and laundry. Two separate garages offering space for 3 cars, brand new boiler and whole house generator. Impeccably landscaped yard and brand new blue stone steps and walkway. The kitchen, primary bedroom and 2 car garage are newer additions, all were built in 2017.
Type | Description | Dimensions | Level |
---|---|---|---|
Bedroom 1 | Full Bath | 14.9X20.1 | Main |
Bedroom 2 | Hardwood Floor | 11.8X11.5 | Main |
Dining Room | 9.9X8 | Main | |
Kitchen | Breakfast Nook,Granite Counters,Hardwood Floor | 20.9X15.5 | Main |
Living Room | Book Shelves,Built-Ins,Fireplace,Hardwood Floor | 16X27.1 | Main |
Other | 16.6X11.1 | Lower | |
Primary BR Suite | Bedroom Suite,Full Bath,Walk-In Closet,Hardwood Floor | 18.7X12.5 | Main |
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NMLS Mortgage Loan Originator ID 93047
5/6 (30 Yr) Adjustable Rate Conforming* |
30 Year Fixed-Rate Conforming |
15 Year Fixed-Rate Conforming |
|
---|---|---|---|
Loan Amount | $639,200 | $639,200 | $639,200 |
Term | 360 months | 360 months | 180 months |
Initial Interest Rate** | 7.375% | 6.990% | 6.250% |
Interest Rate based on Index + Margin | 8.125% | ||
Annual Percentage Rate | 8.011% | 7.171% | 6.538% |
Monthly Tax Payment | $596 | $596 | $596 |
H/O Insurance Payment | $92 | $92 | $92 |
Initial Principal & Interest Pmt | $4,415 | $4,248 | $5,481 |
Total Monthly Payment | $5,103 | $4,936 | $6,169 |
* 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.