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Presented by![]() Yochi Melnick |
Picture this: a farmhouse perched between Hardwick and Morrisville, where old Vermont whispers meet a pulse of today. Mornings unfold with coffee on new butcherblock counters, sunlight daring you to linger—maybe you’ll head out to walk the local rail trail or chase a powder day on nearby ski slopes. Winter’s VAST trails hum in the distance, while the nearby Lamoille River awaits your fishing line all summer long. Step inside to a kitchen that’s open and bright, flowing into a dining area ready for your stories and meals. Around the corner, a cozy living room waits for you to entertain and unwind, and a large mudroom stands by to catch your gear, no matter the season. Upstairs, a big bonus room awaits: what’s it for? A nook to paint wild ideas, a quiet spot to stretch out, or something nobody’s guessed yet? In the yard, a sugar shack squats like it’s hiding a tale—your next project, maybe? Up the hill, a clearing waits—bonfires spitting sparks into the night or a patch for growing whatever you fancy. New furnace, hot water heater—done. But the real kicker? This place holds a spark you can’t pin down until you walk through. Ready to find out?
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:
$220,000
Luxury Properties Specialist
William Raveis Real Estate
Phone: 239.269.6527
Yochi.Melnick@raveis.com
RVP, Mortgage Banker
William Raveis Mortgage, LLC
Phone: 917.838.7300
Melissa.Cohn@raveis.com
NMLS Mortgage Loan Originator ID 16953
5/6 (30 Yr) Adjustable Rate Conforming* |
30 Year Fixed-Rate Conforming |
15 Year Fixed-Rate Conforming |
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Loan Amount | $176,000 | $176,000 | $176,000 |
Term | 360 months | 360 months | 180 months |
Initial Interest Rate** | 5.625% | 6.490% | 5.490% |
Interest Rate based on Index + Margin | 8.125% | ||
Annual Percentage Rate | 6.695% | 6.649% | 5.764% |
Monthly Tax Payment | $269 | $269 | $269 |
H/O Insurance Payment | $75 | $75 | $75 |
Initial Principal & Interest Pmt | $1,013 | $1,111 | $1,437 |
Total Monthly Payment | $1,357 | $1,455 | $1,781 |
* 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.