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total closings costs needed to be split into two buckets:  (1) costs associated with obtaining the loan such as points, underwriting, processing, appraisal, escrow, lender's title, notary, recording, etc.  (2) costs associated with homeownership such as interest per diem, first years homeowners...

this is what i heard: $400,000 loan 30 yr fix 20% down 4% with 1 point $650,000 loan 30 yr fix 20% down 4.25% with 1 point i'm also assuming standard closing costs for lender $1,000 - $1,500 not too bad

yes, bought in 2010 collection.

something to consider which seems to have been mentioned by another poster.  i considered a built-in (outside of the builder) and a counter-depth.  i went with a counter-depth with additional matching molding to fill in the gaps to give a somewhat near appearance of a built-in.  i'm glad i did. ...

Regarding rental income... If converting a previous, primary residence into a rental property, you can use new rental income under the following conditions: 1. the home being converted into a rental has at least 25% equity as evidenced by an appraisal 2. you can document the security deposit...

FYI, you can usually get a good painter to offer a team at ~$300 per day.  You supply the primer and paint which can be had with discounts (i.e. AAA discount, coupons, etc.). The end result will be much cheaper than the builder's price.

Unless you upgrade to a built-in refrigerator for $9,000 at Sonoma, the standard cabinet requires modifications to allow for a built-in refrigerator after the close of escrow. The contractors I've spoken with say it is a simply modification with an estimated cost of $500.  The modifications...