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    GFE and Closing Costs are confusing me

    I'm trying to analyze the GFE and compare apples to apples, but I'm getting confused. What is an "Origination Fee" and why does it cost $3600? Under Title Charges, is this normal? Settlement Fee : $1700
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    Does anyone know if this house is a flip?

    Was this house picked up at auction recently? http://www.redfin.com/CA/Irvine/2-Santa-Luzia-Aisle-92606/home/4627678
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    Home Insurance Recommendations

    Do any of you have any recommendations for home/car insurance?  I'm shopping around for some quotes now.  I currently use Ameriprise.
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    Las Colinas - PS

    Friend of mine told me that they have sold all of their homes.  There was 1 plan 3 left, but it was essentially sold because they are just waiting to sign the contract.  Also, they are applying to build 20+ more homes on the defunct Prado lots.
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    Does whole house insulation help with sound dampening?

    As an option, the builders usually provide an option for whole house insulation.  Does this help reduce sound between rooms?  I can imagine it helps a little but is it great enough to justify the cost? 
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    Suggestions for daycare/pre-school

    Does anyone have any recommendations for daycare/preschool? Currently my parents are taking care of our 1.5 yr old, but we have another one on the way. Ideally, we would like to enroll our second child in daycare when she is 1. Our daughter would be 3 years old and we want to enroll her in...
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    Next community to be built?

    So does anyone know the order of when TIC is going to build the next communities? Do you think they will continue building out PS. Or will they start Orchard Hills and Laguna Crossing? I know these 2 are scheduled for 2013. Opinions?
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    Do you have to buy the built in refrigerator

    option from the builder? Or can you buy a refrigerator from an external party and still have the unit be "built-in". It seems expensive to be paying 8-10k for the "built-in" option for a refrigerator from the builder.
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    For those who live in Portola Springs

    Honest question, but I've heard people talk about a "smell". Do you notice any type of smell? Also is there alot of road noise on Portola Parkway next to the Las Colinas homes that back up to it?
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    Can you get deposit back if you back out

    For this new home collection 2010, the builders are requiring 3% as a deposit. But the home isn't completed for another 5-6 months. Is it possible to back out of the purchase and get your deposit back? Could I do it if: 1. I lost my job 2. I changed my mind I'm just curious what the rules...
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    400 buyers waiting for new homes

    http://lansner.freedomblogging.com/2010/01/18/irvine-co-400-buyers-lined-up-for-new-project/52529/
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    Renting and landscape maintainance

    I have been renting a unit for a little over a year now. If the contract does not specifically state that there is landscape maintainance, who should pay for it if it becomes necessary? The house I am renting has an abundance of plant debris and I can't keep up with it. So there is an...
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