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I'd take the 10/1 ARM. Assuming a 700k loan at the end of 10 years the 10/1 ARM balance would be 561k. The 30 yr balance would be 570k so you're 9k ahead in terms of equity. Add in the $250 per month savings and you're $30000 + $9000 ahead. At that time a re-fi should be fine...

HOA for SFRs is $150/month. $385 must be for a shared wall building? Kensington Court?

Anybody know the deal with the following property? Is this truly a 200k loss in one year? http://www.redfin.com/stingray/do/printable-listing?listing-id=873072

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Don't buy now, wait for the coupon.

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They already read this thread before the meeting, and knew I was coming.

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When someone doesn't actually live in the community (builder, etc) its very easy for them to tell us that the situation sucks, but can't be helped. There are well meaning homeowners on the board but unless there is a majority there really isn't much we can do. What we MUST have happen...

No word back from the city of PD at this point, but I won't give up on that one. At this point I can help make a change to the decal program, but it looks like we have to accept the word of Lennar for the time being and watch our backs. I put a lot of time and effort into this cause...

The rule of no parking on the streets was supposedly the original "vision" of the community. The board thought that this would be against better judgment, so that has been put on hold while they develop this program. It could be 24 hour no parking enforcement or overnight only. This is where...

The decal system is still under discussion, and its possible that they can implement an overnight only policy. The goal is to keep people from parking on the street, but filling their garages with storage. I for one don't want to see all of my daytime BBQ guests towed away because I didn't...

My warning wasn't my first day there, but later on when I was moving items from the back of my truck into the house, and forgot to move it back into the driveway. It was a written warning. I deserved that one, I completely forgot to move it and was 100% blocking the sidewalk. What I didn't...

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You're right Kali, the HOA should be for our benefit. Thanks again for everyone's support. More people should take their issues to the HOA, and get these things resolved. Hopefully I have a favorable update.

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Does anyone know the veracity of the following statement regarding patrol one? I found it on a complaint board online, but I don't know if it is true. "They recently lost the account in Newport Coast ZIANI Tract/Community"

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