$10K use as you choose with preferred lender. Home on level lot, no steps entry, 1st Floor Master. Wood floors in family room, dining room, foyer, kitchen, breakfast-cafe area. Coffer ceiling-ship lap wainscoting in dining room. Chef's kitchen: 42 cabinets w/crown, range hood, wall microwave-convection oven, granite counter tops & island w/pendant lights, tile back splash, SS appliances & large pantry. Upstairs: petite owner suit, 3 more bedrooms & large loft. Large 5th bedroom can be used as bonus.