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There is CA closets in Huntington Beach and San Diego. Are their prices higher than Cabinets Plus? Had a couple people tell me Cabinets Plus has cheap material but cheap prices too, not sure if CA closets will be better.

I heard they do closets too.  Anyone use them?

Home prices look like they are stayed stagnant or slight trickle.  I dont foresee the new homes going downward though even with the fob numbers staying flatter compared to earlier in the year.

Yes with white risers.  But the tread would be white on the sides, mixed with wood in the middle.  Not sure if anyone has done them and just painted the tread.

Is it bad to do standard wood on the stairs as opposed to ripping the entire banisters out and doing full planks?  Currently there is carpet in the middle with white wood on the side, where the bannister goes into.  Thinking of doing wood there and leaving the white wood on the side.  Has anyone...

Not sure about these guys.  OC Flooring has zero reviews out there so I'd be cautious.

what has been your guys experience with movers to brand new homes? A lot of them won't take off their shoes so does it mean you have to personally cover the floors with papers yourself? Home Depot? I was recommended to Craig's Movers. Yelp shows they are decent but anyone have personal...

No plan 1 floorplans on the website?  They sell out of the plan 1's already?

What is up with the price history? https://www.redfin.com/CA/Irvine/59-Gardenhouse-Way-92620/home/45377952

What if a cash buyer comes and is interested in my lot?  Does that mean I get pushed to a later phase? The rep just said, "if there is interest in your lot then we may push you to a later phase, but if there isn't then we may make an exception" Not an exact quote but that's what was said. I...

Correction - they are trying to approve me on a different loan.  However, the details of the loan depends on the interest on my lot.  Thats what I think is discriminatory. If there is no interest, I may get approved. If there is interest, then I may not get approved.

I am in contract with a home at TM.  They originally approved me and now they are saying the loan may not go through.  Rep from TMHF is saying they will put it on Sales VP to determine, what the interest is on my lot.  i.e. if there is interest, they may just push us to future phases when we can...

How does a 5/2/5 work if you start at 2.75% on a 7/1 ARM? Does it mean in year 8, it can go to 7.25% In year 9, it can go to 9.25% Where is the lifetime max? 5%?

Most of the 7/1 arms I have seen are 2/2/6. Where are you getting 5/2? 2% in year 8, 2% in year 9 and 6% lifetime max.

Trojan, do you think rates will continue to actually decline even more than now?

I say Libor will rise bc they have,been low, so most likely will rise. Even if you refi, most likely a,30 yr fixed will be higher by then as well. We plan to stay here for 10 us years to raise a family.

How much is mello there and hoa? Any larger lots on the 3s?

But if you take out a 7 1 arm, most likely interest rates,of Libor will increase in 8 years. Even if you refi to a 30 yr fixed, those rates will be higher. So if you plan on staying in the house, an arm doesnt make sense due to the likelihood of rates rising. 2.5% margins are high.

I heard you can technically use an outside lender and TMHF still have to give you the $5k due to some anti-steering law. Anyone heard of this? Obviously if they give you closing costs, their interest rates will most likely be higher.

The non-models do not have driveways? For $900k?