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As long as one thinks that the home value goes up more than the total HOA yearly fee.  My current place is old part of Irvine and HOA is only $50.  So if the house value goes up by $600 (because of maintaining association and provide park/pool), it may be very worth it. New neighborhood and...

At least you got some answer back from your lender...  After meeting all requirements and numerous documents submission, I still don't have answer from the preferred lender one way or another.  In fact they asked if I can show more cash. I'm working with a different lender now. 

The credit is minimal. I would've gone with the preferred lender if they kept the time lines and commitments.  It's been like, "I'll work on your case tomorrow and submit it in 2 days," then  a week passes buy, "you should hear from the processor this Friday", then next Friday approaches...

Appreciate all the posts that I read.  I realize that Soylent Green Is People is recommended as a loan officer here but here is my situation and any tips or advices would be greatly appreciated. We are in the process of buying a new construction condo.  We had to get pre-qual and pre-approved...