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the three most important things about buying a home is location, location, location... if we don't use distance to desirable and undesirable elements whether it be distance to work, distance to family, distance to the beach, distance to places we frequent, or in this case, distance to real or...

the base price of san mateo from phase 1 to 3 went up $1000... $500 each phase... but you are correct all of them had upgrades picked out.

i'm assuming the question was for lucy, but just wondering, the foundation for san mateo homes are tensioned slabs... do you know if that better?

since no one else offers this loan i'm assuming they are funding it themselves and don't need fannie/freddie or to package it into an mbs... does anyone know?  could that be why they don't care about the 417k conforming limit?

just wondering... is a slab leak more likely with attached vs detached?  we went with san mateo... never checked out casero or las ventanas...  but we seriously considered, and looked closely at primrose and sevilla. san mateo pros: location (easier access w/ jeffery and sand canyon) low...

the lock is for 60 days for the rate they advertise (currently 3.5%)... also their minimum fico is 680, maximum 45% dti... same rate for jumbo (not sure how high).

don't mean to hijack the thread but did you ask the penfed people how much it would cost to buy down the 3.5% rate?  i called and asked about minimums... 45% dti, 680 fico and 90% LTV (on refi's i'm assuming), but i didn't ask about buy down amounts.

the standard is white in san mateo.

you didn't ask me panda but i will chime in anyway... lol... well it's not just the house, price, weather or proximity to work right?  you have the amenities, shops, restaurants... and for me, family [in irvine].

i agree, sevilla's master baths are like this... based on all my surveys, it seems like a lot of people like sevilla.  i thought it was awkward and besides the toll roads, the "jutting out bath" was the least desirable feature.  and no, i've never seen a "no tub option" for those with separate...

i'd like to know where or who you heard that from...

depending on the project, they may or may not have incentives, san mateo (b of a) is giving $1500, one of my cousins who bought in portola last year got $5000 for going with b of a and another cousin who bought in woodbury got nothing for going with their wells fargo...

i may agree with you on the overpriced part... but i disagree about on "the parking lot is full of 2010 models"... as i've mentioned before and usc-cpa has confirmed that there aren't a whole lot of newer detached condos or sfr <600k.  i think even you agreed on another thread that it's not...

if i'm not mistaken, i remember someone claiming (on an old ihb forum) they tried to ask if they could pay off their portion of the bond (not sure who they asked)... and they said that it was not possible.  are you saying that you can actually pay off your portion of the bond in one lump sum...

the numbers are based on 2 new developments in irvine with a similar location and house size.

would you still vote for the higher priced home if both of these were zoned the same... say these were both new, detached condos?

higher priced house... pro... once the house is paid for, your monthly should be less con... the higher price means, a larger down payment... when you sell will that limit your potential buyer pool? hoa can always move up... nothing says the lower hoa amount will not balloon past the other...

hmm... i always thought the other way around... time for another poll! *read that too quick... i thought you meant you'd rather have a house that had higher hoa and higher mello than a lower hoa/mello (but higher priced home)

i would get the older home in the nicer location... problem is you can't find "an older home in the nicer location" for the same price (incl. mello and hoa)... to the lower-end detached condos in new communities.  (this assumes the house sq ft. are similar)

i'm sure there are more... but primrose, and sevilla are two in ps that are "detached condos"... i'm not sure if that's the same as zero lot lines.