VamPyroX

$380,000!? Damn, that's a lot!

That's more than my parent's house!

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Deafness

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TFWFalcon

4% fixed for 30 years. I don't see many banks does loan for mortgage.

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shel90

There are condos in Rockville, MD selling for $500K and up...it is ****ED up! Pardon my language...lol!

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sequoias

the condos in seattle metro area range from about 100,000 to over 2,000,000. yep, that's a gigantic gap in prices. typically most condos in downtown seattle average 300,000 to 400,000 or so.

DeafSCUBA98

i own a town house.. and pay cheap HOA fee $100 a month.

kalista.. tax-deductable.. it depends how much interest you pay.. its not always work that way.

some people pay mortgage and couple interest.. and found out its not tax-deductable because they didn't reach their standard decductable.

so be careful about this.

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Nucleus Freedom 04/18/05
activiated 05/16/05

Foxrac

What's HOA?

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Foxrac

Oh, that's ****ed up.

There's numerous of townhouse, apt and condo in vally area of LA, that where my parent live in this place and price is started at $300,000 or up for roughly 2-3 bedroom and 1-2 bathroom, depends on square foot and architecture but most are built in 70's and 80's, even in 90's and 2000's.

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deafaussie

HOA = Home Owners Association. When you own a property that comes with HOA, you are required to pay fixed monthly fee for maintaining everything, streets, lawn mowing, fencing, swimming pools, gyms, recreational parks and everything.

If you have a back yard fence which was damaged by a fire. Call HOA and they will replace the area of damage or the whole fence, if lucky

deafaussie

Hahaha, youre missing out everything. I guess youre Deaf and first home buyer. You are entitled to the 4% mortgage via Guild Mortage at Las Vegas. Guild Mortgage receives funding from Fannie Mae for distribution. Previous homebuyers do not.

I get chuckled after many Deafies ask where do you get 4% from and I cant believe they are living under the carpet and didn't know anything.

Put your head up and do a search in Google. 'Homechoice' 'disabled' 'mortgage' and you will get many hits

deafaussie

How so? There are many houses around me are in 460,000. DAMN that's a lot! 380,000 is a freaking bargain to me.

DeafSCUBA98

yeah it all depends where you live the enviroment, the workplace, the popularity, etc...

the city i used to live in willmar, mn brand new 1,500 sq ft home with 3 bd room 2 baths cost $120,000 and its unfinished basement, you can expand yourself in the basement.

place where i live right now.. brand new home 958 sq feet, unfinished basement, 3 bedroom, 2 baths for $149,000 if you finished the basement it can go up from 958 sq feet to 1,400 sq feet. possible add 1 bedroom and/or 1 bathroom.

and its only 1 hour away from big Metro area Minneapolis/st. paul.

so thats cheap.. if you live in minneapolis/st. paul area.. brand new homes can be $250,000 to $500,000 for the same size as the area where i live.

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Nucleus Freedom 04/18/05
activiated 05/16/05

Reba

I agree, that's very high. It all depends on the location.

My house is 2,100 sq. ft, 4-bdrm, 2 1/2 bath, 2-car garage, many improvements and extras; market value about $180,000 now. Our HOA fee is $100 per year. If we want to use the community pool, it's another $100 per season (April-Sept).

Condos in this area are more expensive if they are near the beach. If they're not near the beach or golf course, then they are cheaper.

Tousi

Some HOA's are nightmarish!

DeafSCUBA98

like mine :-x

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Nucleus Freedom 04/18/05
activiated 05/16/05

deafaussie

Yes, I agree it all depends on locations. However, my city is Irvine which is in Orange County, California which was voted the most safest city in US as stated by the FBI and its the most exclusive suburb in Orange County. Most single houses starts from average 1 million to beyond. Duplex houses starting from 600,000 and upwards and condos starting from 430,000 and up.

Its very close to Newport beach and other beaches along the coast.

webexplorer

I am surprised that you have HOA on your property. How many house developments are on the property? Your house doesn't look like HOA to me. Beside, it is a nice house.

Reba

All the single family house subdivisions in our area have HOA's. The fees go mostly for maintaining the subdivision entrances and common areas. The high end subdivisions (gated communities) use their fees for gate security also. We also have several pages of covenant restrictions, such as no semi-trucks parked in the neighborhood, number of pet restriction, architectural review board, etc. We have 450 single-family houses in our subdivision. (Excuse me, I think the newer subdivisions prefer to be called "communities", especially if they have a golf course nearby. La, de, da.) Many of the "communities" around here are also called "plantations" because they are built on land that used to be real plantations.

Condos (apartment and townhouse) in this area usually call their fees regime fees or condo association fees.

Reba

Thank you.

My brother still lives in Connecticut, and he says I must live like the Dukes of Hazzard because I live in South Carolina. (Nah, my Dodge Charger was a '72, and Hubby's was a '73, not '69 like the Duke boys' had.)

Foxrac

How about crappy old houses in inner city like Detroit? I bet that they are HOA-free.

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shel90

It could be cuz most of the inner city neighborhoods here in Baltimore and DC have no HOAs and u can see the difference when comparing to communities with HOAs. My husband refuses to buy a house that has HOA fees...I am not sure if that is a good idea cuz sometimes HOA are good with their strict rules about keeping each property well kept. I do not want to have neighbors trashing their properties and bringing my house value down. There are pros and cons...hmm

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besemiasno

Did you know there is a townhouse community near Reistertown Road and I-695 with a HOA (townhouse/condo fee) fee of 11 bucks a month?

shel90

11 bucks? My husband doesnt want a townhouse..wants a single family home. We are in contract with a home in Old Brooklyn Park near Baltimore. We both like that area so if this house doesnt work out, there are many other homes for sale in that area..hehehe. I just love this house cuz it has a jacuzzi tub!!!!! :sobs:

The reason I said "sob" cuz the contract is in danger of becoming null cuz the sellers are pissed off at us and their agent is very pissy. Oh boy..will find out more tmw if it is still on or not.

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besemiasno

You're right about HOA is good for guaranteeing that your home is sold or bought at a fair price without being devalued by the neighbors' neglect of their own properties. I'd still go with an HOA, but would watch out for fees or prices to make sure they're reasonable.

besemiasno

Aww, when are you gonna invite me over?? j/k! Will your brother be in town for July 4th?

shel90

If we get the house, we are gonna have a PARTY trust me! Of course will invite u! My brother is here in MD..I dont know what are his plans for July 4th..I can ask him. He is living in the dorms at McDaniel's college in Westminister..

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Foxrac

HOA has been around in CA since 1970's, few communities that built in 1970's are abandon the HOA due increase more illegal immigrants to own house then abuse their properties, it does happen in somewhere in Ontario or Fontana.

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Foxrac

There's some townhouse in LA does included with jacuzzi tub, lol...

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Reba

I'm just telling about houses in my area.

Foxrac

What are they doing if home owners who refuse to pay HOA fee?

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Reba

The association takes them to court. In every case that they've done that, the HOA has won. They collect the HOA fee AND court costs. Also, until the court case is resolved, the HOA has a lien on the house.