Beautiful West End Home on 5.97 Acres |
17111 Rancho Suenos Rd Ramona, CA |
|
 |
 |
Beautiful west end home on 5.97 acres with VIEWS & sparkling custom pool & spa. Single level, open floor plan, vaulted & tray ceilings, decorative art niches throughout, large bedrooms. Separate living & family room, formal dining area, Master suite w/ access to pool, large master bath, soaking tub, walk in shower. Spacious kitchen, stainless appliances, gas stove, double oven. 3 car garage. Certified Pre-Owned Home, Termite & Home Inspection done. Seasonal creek, room for horses. |
|
|
CASH TO CLOSE HOUSING EXPENSE INCOME TO QUALIFY
|
Financing |
CONV |
CONV |
VA |
|
|
Notes |
Fixed Rate |
7/1 ARM |
Fixed Rate |
|
|
Sales Price |
$795,000 |
$795,000 |
$795,000 |
|
|
% Down |
20.00% |
20.00% |
6.74% |
|
|
First Loan |
$636,000 |
$636,000 |
$752,538 |
|
|
Term |
30 Years |
30 Years |
30 Years |
|
|
Rate |
3.625% |
3.250% |
3.375% |
|
|
APR |
3.709% |
4.097% |
3.530% |
|
|
Down Payment |
$159,000 |
$159,000 |
$53,583 |
|
|
Closing Costs |
$7,609 |
$5,224 |
$5,528 |
|
|
PrePaids/Impounds |
$9,149 |
$9,051 |
$9,245 |
|
|
Lender Credit |
-$0 |
-$795 |
-$2,822 |
|
|
Total $ Required |
$175,758 |
$172,480 |
$65,534 |
|
|
First Loan P & I |
$2,900 |
$2,768 |
$3,327 |
|
|
Taxes, Ins & MI |
$1,059 |
$1,059 |
$1,059 |
|
|
Total Payment |
$3,959 |
$3,827 |
$4,386 |
|
|
Income Guide |
$9,210 |
$8,900 |
$10,200 |
|
|
7/1 Adjustable Rate Mortgage |
Years |
Rate |
Payment |
1-7 |
3.250% |
$2,768 |
8-30 |
8.250% |
$4,778 |
|
|
1 Year LIBOR plus 2.250% margin. 5% 1st adjustment, 2% periodic & 5% lifetime CAP's.
Fully indexed rate is 3.697% with a payment of $2,926. Payments above exclude taxes and insurance, if applicable. Actual payments will be greater. APR may increase after consummation. |
|
|
|
|
|
|
|

|
Deb Espinoza
|
Realtor, Broker
|
01368091 (CalBRE)
|
Direct
|
619-913-7783
|
Office
|
(619) 378-0454
|
Fax
|
760-896-6905
|
|
|
|
Deb@StagePresenceHomes.com
|
http://www.stagepresencehomes.com
|
|
|
|
Stage Presence Homes
|
2260 Main Street
|
Ramona CA 92065
|
|

|
|
|
|

|
Sheri Arnold
|
Sr. Loan Officer
|
NMLS# 311417
|
Mobile
|
760-889-8791
|
Fax
|
855-551-2873
|
Office
|
858-451-0620 x 6114
|
|
|
|
sarnold@skylinehomeloans.com
|
http://SheriArnold.skylinehomeloans.com
|
|
|
|
Skyline Home Loans
|
16456 Bernardo Center Dr. Suite 100
|
San Diego CA 92128
|
|

|
|
|
|
|