| Beautiful West End Home on 5.97 Acres |
| 17111 Rancho Suenos Rd Ramona, CA |
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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. |
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CASH TO CLOSE HOUSING EXPENSE INCOME TO QUALIFY
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Financing |
CONV |
CONV |
VA |
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Notes |
Fixed Rate |
7/1 ARM |
Fixed Rate |
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Sales Price |
$795,000 |
$795,000 |
$795,000 |
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% Down |
20.00% |
20.00% |
6.74% |
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First Loan |
$636,000 |
$636,000 |
$752,538 |
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Term |
30 Years |
30 Years |
30 Years |
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Rate |
3.625% |
3.250% |
3.375% |
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APR |
3.709% |
4.097% |
3.530% |
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Down Payment |
$159,000 |
$159,000 |
$53,583 |
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Closing Costs |
$7,609 |
$5,224 |
$5,528 |
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PrePaids/Impounds |
$9,149 |
$9,051 |
$9,245 |
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Lender Credit |
-$0 |
-$795 |
-$2,822 |
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Total $ Required |
$175,758 |
$172,480 |
$65,534 |
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First Loan P & I |
$2,900 |
$2,768 |
$3,327 |
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Taxes, Ins & MI |
$1,059 |
$1,059 |
$1,059 |
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Total Payment |
$3,959 |
$3,827 |
$4,386 |
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Income Guide |
$9,210 |
$8,900 |
$10,200 |
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| 7/1 Adjustable Rate Mortgage |
| Years |
Rate |
Payment |
| 1-7 |
3.250% |
$2,768 |
| 8-30 |
8.250% |
$4,778 |
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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. |
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Deb Espinoza
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Realtor, Broker
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01368091 (CalBRE)
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Direct
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619-913-7783
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Office
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(619) 378-0454
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Fax
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760-896-6905
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Deb@StagePresenceHomes.com
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http://www.stagepresencehomes.com
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Stage Presence Homes
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2260 Main Street
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Ramona CA 92065
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Sheri Arnold
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Sr. Loan Officer
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NMLS# 311417
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Mobile
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760-889-8791
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Fax
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855-551-2873
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Office
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858-451-0620 x 6114
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sarnold@skylinehomeloans.com
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http://SheriArnold.skylinehomeloans.com
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Skyline Home Loans
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16456 Bernardo Center Dr. Suite 100
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San Diego CA 92128
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