$320,000
4
1 Full & 1 Three Quarter
1956
1864
132 x 60

Fantastic move-in ready home in a convenient, sought-after neighborhood! Updated kitchen with maple cabinets, granite countertops, and stainless steel appliances. Gleaming hardwood floors on the main level with newer carpet in the lower level. Updated upper-level full bath with tile surround. Enjoy 3 upper-level bedrooms with custom California closets. Additional bedroom, family room, and 3/4 bath in basement. New front sidewalk and landscaping rocks, fully fenced backyard, newer stucco exterior, roof, and gutters with leaf guards. New furnace 2021. Easy access to highways, retail, restaurants, MOA, and MSP airport. Hurry, this home will not last!

For informational purposes only: Hale Properties, Inc is not a mortgage lender. Contact Bell Bank Mortgage directly for more information. The payments shown assume an Asking Price of $320,000 with a Down Payment of $64,000 and a Loan Amount of $256,000
 Your actual rate, payment, and costs could be higher. Get an official Loan Estimate before choosing a loan.
 
30 Year Fixed
15 Year Fixed
FHA 30 Year Fixed
VA 30 Year Fixed
5/1 Conforming ARM
7/1 Conforming ARM
 Loan Amount:
$256,000
$256,000
$314,204
$327,360
$256,000
$256,000
 Down Payment:
$64,000
$64,000
$11,200
***FHA Minimum Down Payment - The down payment of $11,200 is 3.5% as FHA loans allow for lower down payments. You can change the down payment amount above.
$0
***VA Minimum Down Payment - VA loans offer Servicemembers, Veterans, and eligible surviving spouses certain loan benefits. This includes zero down payment, lower costs and potentially more flexible qualifying guidelines. You can change the down payment amount with this display to help you understand the potential payment.
$64,000
$64,000
   Term (Months):
360
180
360
360
360
360
   Interest Rate:
2.875%
2.125%
2.500%
2.500%
2.125%
2.250%
   APR:
2.978%
2.342%
3.599%
2.800%
2.502%
2.501%
   Points:
0.55
0.8
0.7
0.9
0.95
0.75
   Principal & Interest:
$1,062
$1,662
$1,241***
$1,293
$962
$979
   Property Taxes:
$362
$362
$362
$362
$362
$362
   Homeowners Insurance:
$107
$107
$107
$107
$107
$107
   HOA/Dues/Fees:
$0
$0
$0
$0
$0
$0
   PMI:
$0
$0
$216
$0
$0
$0
Total Payment*:
$1,531
$2,131
$1,926***
$1,762
$1,431
$1,448
 Your actual rate, payment, and costs could be higher. Get an official Loan Estimate before choosing a loan. See page two for more disclosures.
 Your actual rate, payment, and costs could be higher. Get an official Loan Estimate before choosing a loan. See page two for more disclosures.

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*Total payment includes an estimation of principal and interest payment, property taxes, HOA/dues/fees, home owners insurance and private mortgage insurance (PMI) if applicable. Monthly Payment amounts above are based on estimates, may be greater and may not apply to your situation and can change without notice. ^*FHA loans allow for a 3.5% Down Payment. ^**VA loans allow for a 0.0% Down Payment.

Thomas Shannon

NMLSR ID 452444
Bell Bank Mortgage
Bell Bank Mortgage Interest Rate Information Updated as of 6/14/2021 4:12:46 PM CT
Payment Streams: 30 Year Fixed: 360 payments of $1,062.12 at 2.875% (2.978% APR)   15 Year Fixed: 180 payments of $1,662.16 at 2.125% (2.342% APR)   FHA 30 Year Fixed: (with MI) 360 payments between $1,457.96 to $1,247.05 at 2.500% (3.599% APR)   VA 30 Year Fixed: 360 payments of $1,293.47 at 2.500% (2.800% APR)   5/1 Conforming ARM: 60 payments of $962.31 at 2.125% and 300 payments of $1,004.05 at 2.500% (2.502% APR)   7/1 Conforming ARM: 84 payments of $978.55 at 2.250% and 276 payments of $1,004.53 at 2.500% (2.501% APR)   

See conditions below. APR = Annual Percentage Rate.

These products and interest rates are subject to change at any time due to changing market conditions. Actual rates available to you may vary based upon a number of factors including your credit rating and size of down payment. All programs have qualifying criteria. Bell Bank Mortgage.  

NMLSR:  NMLSR ID 452444  NMLSR ID NMLSR:

 

Projected Payment Schedules for Loan Programs Created on: 6/21/2021
Purchase Price:
Property Address
:

MLS Number:
$320,000
7120 17th Avenue S - Richfield, MN
NORTHSTARMLS 5763046
Bell Bank Mortgage
Thomas Shannon NMLSR ID 452444
5500 Wayzata Blvd., Suite 300
Minneapolis, MN 55416
(952) 905-5780 
tshannon@bell.bank
Lender
30 Year Fixed:
  • Principal & Interest payment is fixed for 30 years.
  • Projected Payments Loan Amount: $256,000   Down Payment: $64,000
    Payment Calculation Years 1-30
    Interest Rate / APR 2.875% / 2.978% APR
    Principal & Interest $1,062.12
    Estimated monthly Taxes, Insurance & HOA/Dues + $469
    Mortgage Insurance + $0
    Estimated Total Monthly Payment    $1,531
     
    15 Year Fixed:
  • Principal & Interest payment is fixed for 15 years.
  • Projected Payments Loan Amount: $256,000   Down Payment: $64,000
    Payment Calculation Years 1-15
    Interest Rate / APR 2.125% / 2.342% APR
    Principal & Interest $1,662.16
    Estimated monthly Taxes, Insurance & HOA/Dues + $469
    Mortgage Insurance + $0
    Estimated Total Monthly Payment    $2,131
     
    FHA 30 Year Fixed:
  • Principal & Interest payment is fixed for 30 years.
  • Projected Payments Loan Amount: $314,204   Down Payment: $11,200
    Payment Calculation Years 1-30
    Interest Rate / APR 2.500% / 3.599% APR
    Principal & Interest $1,241.49
    Estimated monthly Taxes, Insurance & HOA/Dues + $469
    Mortgage Insurance + $216
    Estimated Total Monthly Payment    $1,926
     
    VA 30 Year Fixed:
  • Principal & Interest payment is fixed for 30 years.
  • Projected Payments Loan Amount: $327,360   Down Payment: $0
    Payment Calculation Years 1-30
    Interest Rate / APR 2.500% / 2.800% APR
    Principal & Interest $1,293.47
    Estimated monthly Taxes, Insurance & HOA/Dues + $469
    Mortgage Insurance + $0
    Estimated Total Monthly Payment    $1,762
     
    5/1 Conforming ARM:
  • Rate is variable. Principal & Interest payment is locked for 5 years then adjusts.
  • Rates can go as high as 8.125% and Principal and Interest payment up to $1,719.
  • Projected Payments Loan Amount: $256,000   Down Payment: $64,000
    Payment Calculation Years 1-5 Year 6 Year 7 Years 8 - 30
    Interest Rate / APR 2.125% / 2.502% APR 2.250% min
    4.125% max
    2.250% min
    6.125% max
    2.250% min
    8.125% max
    Principal & Interest $962.31 $976.09 min
    $1,196.85 max
    $976.09 min
    $1,450.42 max
    $976.09 min
    $1,718.94 max
    Estimated monthly Taxes, Insurance & Assessments + $469 + $469 + $469 + $469
    Mortgage Insurance + $0 + $0 + $0 + $0
    Estimated Total Monthly Payment $1,431 $1,445 - $1,666 $1,445 - $1,919 $1,445 - $2,188
     
    7/1 Conforming ARM:
  • Rate is variable. Principal & Interest payment is locked for 7 years then adjusts.
  • Rates can go as high as 7.250% and Principal and Interest payment up to $1,571.
  • Projected Payments Loan Amount: $256,000   Down Payment: $64,000
    Payment Calculation Years 1-7 Years 8 - 30
    Interest Rate / APR 2.250% / 2.501% APR 2.250% min
    7.250% max
    Principal & Interest $978.55 $978.53 min
    $1,570.86 max
    Estimated monthly Taxes, Insurance & Assessments + $469 + $469
    Mortgage Insurance + $0 + $0
    Estimated Total Monthly Payment $1,448 $1,448 - $2,040
     

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