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Presented by![]() Janice Lanza |
This impeccably renovated four bedroom, two full bath home offers the perfect blend of luxury and comfort located in the highly sought-after Smithtown neighborhood. This residence is set on a picturesque tree-lined street, just moments away from shopping, dining, and the train station for ultimate convenience. Inside, the home boasts new kitchen, 2 new baths, freshly painted and gleaming hardwood floors throughout ~ creating a warm and inviting atmosphere. The kitchen is a true standout, featuring stainless steel appliances, sleek quartz countertops, and crisp white cabinetry, ensuring both style and functionality. Step outside to your own private yard or sit in your large 3 season room overlooking the fully fenced in-ground pool (new pump & filter, 2 yr old liner). This yard is just perfect for entertaining or relaxing. Additional highlights include: Owned solar panels (electric pretty much pays for itself), central air-conditioning, new siding, one-car garage and modern finishes that elevate the home's appeal. Truly a place to call home. . .
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.
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Our Executive Mortgage Banker:
Our Insurance Division:
$799,000
Licensed Associate Real Estate Broker
William Raveis Real Estate
Phone: 914.602.3250
Janice.Lanza@raveis.com
VP, Mortgage Banker
William Raveis Mortgage, LLC
Phone: 914.494.1459
Vincent.DiMella@raveis.com
NMLS Mortgage Loan Originator ID 24240
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** | 6.750% | 7.125% | 6.250% |
Interest Rate based on Index + Margin | 8.125% | ||
Annual Percentage Rate | 7.173% | 7.316% | 6.550% |
Monthly Tax Payment | $1,076 | $1,076 | $1,076 |
H/O Insurance Payment | $92 | $92 | $92 |
Initial Principal & Interest Pmt | $4,146 | $4,306 | $5,481 |
Total Monthly Payment | $5,314 | $5,474 | $6,649 |
* 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.