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Welcome to this 2-3 bedroom, 1-bath ranch with a versatile bonus room perfect for a 3rd bedroom, home office, or creative space! Nestled on a wooded lot at the end of a quiet dead-end road, this home offers the perfect blend of privacy and convenience. Step inside to find a bright and airy kitchen with vaulted ceilings and a skylight, filling the space with natural light. The living room features beautiful beam ceilings, adding warmth and character to the space. The home also includes a laundry room, newer appliances, and a screened-in porch ideal for relaxing and enjoying the peaceful surroundings. Enjoy cozy evenings around the outdoor firepit perfect for entertaining. A detached one-car garage provides additional storage or workshop space. While the home could use a little TLC, it presents a fantastic opportunity to add your personal touch and build instant equity. Whether you're seeking a condo/rental alternative, a starter home, or an investment property, the potential here is endless. Enjoy all that Smithfield has to offer just minutes from shopping, dining, easy highway access, and major conveniences. Don't miss this fantastic chance to own in a sought-after location! Schedule your showing today! 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 | $271,920 | $271,920 | $271,920 |
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 | $353 | $353 | $353 |
H/O Insurance Payment | $75 | $75 | $75 |
Initial Principal & Interest Pmt | $1,764 | $1,832 | $2,332 |
Total Monthly Payment | $2,192 | $2,260 | $2,760 |
* 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.