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NEWLY RENOVATED HOME IN THE HAMPTONS $850,000 Loan Programs Conventional 30 Year Fixed Down Payment % 20% Down Payment $170,000 Loan Amount $680,000 Interest Rate 6.125% APR 6.341% Principal & Interest $4,132 Real Estate Taxes $807 Hazard Insurance $213 MI/PMI $0 Condo/Coop/HOA $84 Total Mo. Payment $5,236 All figures are estimates and subject to change at any time. See below for additional disclosures.
Callicut Spring Ct Huntersville NC 28078 5 Beds / 4 Baths / 4232 SF MLS 3898576 NFM Lending is not affiliated with any real estate companies. You are entitled to shop around for the best lender/real estate company for you.The status of this listed property is subject to change at any time. Please contact us for status or to inquire further. MLO licensing information: . Element Home Loans is a Division of NFM, Inc. dba NFM Lending, NFM NMLS #2893. NFM is an Equal Housing Lender. For NFM, Inc’s full agency and state licensing information, please visit www.nfmlending.com/licensing. NFM, Inc.’s NMLS #2893 (www.nmlsconsumeraccess.org). NFM, Inc is not affiliated with, or an agent or division of, a governmental agency or a depository institution. GA license # 17414. Copyright © 2022. Brad Roche NMLS ID# 135191 Branch Manager Cell: 704-929-7718 broche@elementhl.com https://elementhl.com/broche/ Element Home Loans 400 North Harbor PL Suite G/H Davidson, NC 28036 Pam Abdgley Your Info Here
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Jacob Roche NMLS #2223194 Element Funding Mortgage Partner jroche@elementhl.com Cell: 704.604.1512 400 N Harbor Pl, Suite G Davidson, NC 28036 Buying $400,000 vs. Renting My Property (Mecklenburg County, NC) Estimated Cashflow Monthly P & I $2,158 $2,600 $4,144 Prop. Tax / Ins. $512 $50 $80 Maint. & Repairs $50 $0 $0 Monthly Exp. $2,720 $2,650 $4,224 Total Cashflow $296,633 $363,929 Interest Rate 6.000% APR 6.157% Annual Rental Increase 6%* Buying Yr1 Rent Yr1 Rent Yr9 $2,720 $2,650 $2,809 $2,978 $3,156 $3,346 $3,546 $3,759 $3,985 $4,224 Years Cashflow Difference $67,296 Appreciation Gain $163,147 Starting Home Value: $400,000 Historical Appreciation (Avg./Yr): 3.87% Estimated Value After 9 Years: $563,147 Amortization Gain $51,155 Original Loan Amount: $360,000 Remaining Principal Balance: $308,845 Cost To Sell $33,789 Real Estate Commission: 6% Based on $563,147 Future Value after 9 Years Tax Benefit $40 Standard Deduction $25,100 in 22% Tax Bracket Benefit Above Standard Deduction after 9 Years Net Gain by Buying a Home $244,483 $-9,180 $11,599 $35,161 $61,664 $91,274 $124,169 $160,535 $200,569 $292,497 $244,483 Initial Closing Costs -$3,366 Appreciation Gain $163,147 Cashflow Difference $67,296 Amortization Gain $51,155 Cost To Sell -$33,789 Tax Benefit $40 Element Home Loans is a Division of NFM, Inc. dba NFM Lending, NFM NMLS #2893. NFM is an Equal Housing Lender. For NFM, Inc’s full agency and state licensing information, please visit http://www.nfmlending.com/licensing. NFM, Inc.’s NMLS #2893 (http:// www.nmlsconsumeraccess.org/). NFM, Inc is not affiliated with, or an agent or division of, a governmental agency or a depository institution. GA license # 17414. Copyright © 2022. Loan and monthly payment buying scenarios used for informationa purposes only and may not be specific to your situation. Rates expressed may not be available at this time. This document should not be construed as investment or mortgage advice or a commitment to lend. Your results may vary. There are no guarantees, promises, representations and/or assurances concerning the level of accuracy you may experience. For actual and current terms and rate information, please contact your lender directly. APR of 6.157% assumes a 6% simple fixed interest rate assuming $13,151 in fees included in APR. Monthly principal and interest payment based on a fully amortizing fixed interest loan of $360,000 with 360 monthly payments at the assumed simple interest rate (Current as of 9/12/2022). *Lender is not a tax consultation firm. Please seek advice from a tax professional.Source: MBS Highway, Zillow Economic Data. Monthly expenses may or may not include condominium or HOA fees if applicable; your payment may be greater. 1 / 1 Powered By MBS Highway BUYING $400,000 VS RENTING
The BridgeWater Group Mortgage Professionals | NMLS ID#1701055 thebridgewatergroup@elementhl com thebridgewatergroup net/ 174 E Bay Street Suite 3 Charleston, SC 29401 This is a brokered product, subject to change at any time Make sure you understand the features associated with the loan program you choose, and that it meets your unique financial needs Subject to Debt-to-Income and Underwriting requirements This is not a credit decision or a commitment to lend Eligibility is subject to completion of an application and verification of home ownership, occupancy, title, income, employment, credit, home value, collateral, and underwriting requirements Not all programs are available in all areas Offers may vary and are subject to change at any time without notice
The BridgeWater Group Mortgage Professionals | NMLS ID#1701055 thebridgewatergroup@elementhl com thebridgewatergroup net/ 174 E Bay Street Suite 3 Charleston, SC 29401 LTV s can be as high as 96 5% for FHA loans FHA minimum FICO score required Fixed rate loans only W2 transcript option not permitted Veterans Affairs loans require a funding fee, which is based on various loan characteristics For USDA loans, 100% financing, no down payment is required The loan amount may not exceed 100% of the appraised value, plus the guarantee fee may be included Loan is limited to the appraised value without the pool, if applicable Make sure you understand the features associated with the loan program you choose, and that it meets your unique financial needs Subject to Debt-to-Income and Underwriting requirements This is not a credit decision or a commitment to lend Eligibility is subject to completion of an application and verification of home ownership, occupancy, title, income, employment, credit, home value, collateral, and underwriting requirements Not all programs are available in all areas Offers may vary and are subject to change at any time without notice
Make sure you understand the features associated with the loan program you choose, and that it meets your unique financial needs. Subject to Debt-to-Income and Underwriting requirements. This is not a credit decision or a commitment to lend. Eligibility is subject to completion of an application and verification of home ownership, occupancy, title, income, employment, credit, home value, collateral, and underwriting requirements. Not all programs are available in all areas. Offers may vary and are subject to change at any time without notice.
Jake Williams NMLS ID#1644073 Branch Manager Cell: 864-506-6411 jakewilliams@elementhl.com https://elementhl.com/jakewilliams/ Element Home Loans 174 E Bay Street Suite 3 Charleston, SC 29401 Andy Morris Office: 336-848-7785 andymorris@uwharrierealestate.com Uwharrie Real Estate LLC 10763 NC Hwy 8 Southmont, NC 27351
A WONDERFUL HOME 360 Lake Landing Drive Salisbury NC 28146 2 Beds / 2 Baths / 2838 SF MLS 1073517 $514,900
