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What is an HOA and why do I have to pay fees for it?

Looking at buying my first home and see HOA fees. I know that it is a home owner association but do I have to be a part of that? Some homes I look at are really high. Am I able to opt out of HOA fees and if not, what do they pay for? Seems strange.

17 Answers

What is needed for a land and construction mortgage

I want to know what are the qualifications for a land and construction mortgage.

13 Answers

Can we get help finding a house to rent in the $1400/$1500 range in Suffolk or surrounding area?

Sold our home in Thaxton, Va. & want to rent small house, preferably fenced yard for pets. We are staying at Davis Lakes Campground until we find. a place to rent.

10 Answers

I’m trying to get help on finding the best loan for a specific house ?

There’s a house not yet on the market I want to try and get a loan for it before it’s listed it belongs to a family friend which is why I’ve been offered the opportunity to buy it I am a first time buyer and wanted to look at the possibility

24 Answers

The house I like has leased solar panels?

The house I like has leased solar panels. How does that work when I sell? Does the new owner take over the lease? rnAlso, does that monthly payment count against me when I'm trying to get approved for my new mortgage?

24 Answers

My best friend and I want to buy a house together. What happens if we want to separate later?

My best friend and I want to buy a house together since we can't afford it alone. What happens if one of us wants to move out or gets a partner later?

24 Answers

The house I’m looking at has a finished basement that was done without a permit?

The house I’m looking at has a finished basement that was done without a permit. If there’s a flood later, will my insurance actually cover it? Or what other issues might I run into with this unpermitted work? Will I have an issue selling in the future?

13 Answers

Can I take out a loan against the house I live in now to use as the down payment for my next house?

I'd like to try to keep my current house and rent it out. But I don't have money saved for a downpayment. Can I take out a loan against the house I live in now to use as the down payment for my next house?

10 Answers

I just got a small inheritance. What to do? Invest, Refinance, Pay down mortgage?

I just got a small inheritance. What should I do with it? rnInvest it? rnRefinance mortgage?rnRecast mortgage?rnPay down mortgage? rnBury it in the backyard? rnrnKidding on that last one, but it feels like sometimes hiding it away is the best option. What shoud i do?

11 Answers

What’s the best way to talk to the neighbors at an open house to find out if the street is ok?

What’s the best way to talk to the neighbors at an open house to find out if the street is actually loud or annoying at night? I don't want to be a huge creep. Ha! I also want the neighbors to be honest. I get that they might not want to share all the dirty secrets of the street with a stranger. So, how do I go about this?

9 Answers