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Pride of ownership inside and out here! It could be the perfect place for you if you have horses or thinking of a mini farm! Vinyl fencing frames much of this 12+ ac parcel. Premium pastures with quality hay have been maintained & fertilized. You don't need animals, there is plenty here to satisfy any needs. Wonderful 2500 sq ft designed vegetable garden with enriched soils & 7' high steel fencing, unique root cellar, long frontage on the Mohawk River. The house is 2 1/2 stories with lots of natural light coming in. High ceilings, open livingrm/dining/kitchen w/walk-in pantry. Primary bdrm w/great closet space & access to full bath. The 10x30 loft looks down onto main living space offering potential for more sleeping space, office and/or media room. Finished daylight walk-out lower level perfect as an in-law suite or for your guest with family room, kitchenette, bedroom & bath. The cleanest barn ever offers 11 stalls, heated workshop that could be the tac room again and hay loft. Attached 2 car garage, exterior wood furnace can heat the house & the barn separately as well as auto-heat exchangers to inside oil boilers (both new). Direct access to both ATV & snowmobile from your door. Not in a flood zone. Owning this real estate with its many mechanical updates & improvements, the views, the river frontage, the usable land, the trails, the barn & the spacious comfortable home will be difficult to compare to any other! (Subject to seller finding suitable housing. )
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5/6 (30 Yr) Adjustable Rate Conforming* |
30 Year Fixed-Rate Conforming |
15 Year Fixed-Rate Conforming |
|
---|---|---|---|
Loan Amount | $623,600 | $623,600 | $623,600 |
Term | 360 months | 360 months | 180 months |
Initial Interest Rate** | 6.375% | 6.875% | 5.750% |
Interest Rate based on Index + Margin | 8.125% | ||
Annual Percentage Rate | 6.995% | 7.037% | 6.046% |
Monthly Tax Payment | $894 | $894 | $894 |
H/O Insurance Payment | $92 | $92 | $92 |
Initial Principal & Interest Pmt | $3,890 | $4,097 | $5,178 |
Total Monthly Payment | $4,876 | $5,083 | $6,164 |
* 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.