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Thanks everyone for answering my questions.  8)

USCTrojanGirl sounds way to sorority-ish for my age (not that OCgirl is any better)... The only two items I see on the sheet that are over $800 under escrow/title : Escrow Fee ~$1,200 (which is reasonable based on the % you listed above) New Home Rate Eagle Owner to First American Title ~$800...

That's what I read too. Qwerty - Did you purchase title insurance from the title company that closed your house? If so, how much was the title insurance as a % of your purchase? I don't see it on my settlement charge sheet so I'm a little worried. We are closing next week.

USC Trojans (I went to USC too  >:D) I just received the estimated settlement statement from First American Title. I purchased a Stonegate condo (Cambria). I noticed the title insurance charge is not on there. Is that common? Do I need to mention it to them that I'd like to purchase title...

I did consider that but I just figured for the price per square footage they are charging me, that should've been accounted for in the premium. Of course it appears I was overly optimistic and naive  :-\ Thank you for your responses.

I added up the sq footage total on the contract and the sum exceeded the actual square footage of the house (~9% more). Does that make sense considering they shouldn't charge me footage for kitchen island, kitchen countertop areas, tubs... that makes the difference even bigger. I am trying to...

Cambria Resident 2 is now listed at "low 600ks" on their site. Anyone has the updated price sheet?

Will PM u later. The irony is that i was offered a San mateo plan 1 within couple of weeks of signing Cambria, which was my original choice  :'( Oh man!!!! My friend has a San Mateo plan 2. He got it last September. The price of his house and the price of my house are the...

Which plan did you get? We are going to be neighbors!

Wow that's madness! Are you still waiting for one then?

When do they typically charge lot premiums?

At what point do you start phasing out on your property tax deduction?

What I meant by fair is so if one seller chooses to do all upgrades through the developers (say $100k). That seller will have to pay tax on that 100k for however long the seller chooses to keep the house. Another seller chooses to do all upgrades through a third party contracter. That seller...

That sucks. What incentifies people to get their upgrades from the builder then? Convenience? Does property tax go up every year if your home value goes up? Or does it stay the same?

Okay I am assuming we are talking about property tax. We have to pay tax on the upgrades?!?? Isn't it fair that tax is only assessed on the base price?

I have a rather stupid/random question? What is FCB? Fancy Chinese Bros? Fobby Chinese Buyers?  ::)

That's not what elevation means. Elevation means the "style" of the exterior. I specifically asked the sales consultant that. So some of the different elevations we see are Spanish, Classic. I think Cambria has an elevation called Santa Barbara. If you look closely at the drawings some of the...

This is for Cambria? No I didn't get charged an elevation premium, not that I recall. We got the Spanish style elevation. Which elevation did you get?

So which lot doesn't get charged a premium...?

We actually looked at Santa Clara too but did not like Plan 3's never ending looking kitchen and Plan 2's sharing the floor with Plan 1 right underneath. I mean honestly they are all beautifully designed homes with quite a modern touch to them (which I like). I do like San Mateo a lot but it's...