Not bad. Our bylaws specify that the association is no-pay no employees. The only compensation board members get is their dues are free while they are on the board. In reality we are paying them all $60k+, buying their cars, chemotherapy, you know...
I'm glad you got a good HOA but I can't sign on to even take that chance again. My property is worth 46% of my mortgage balance and the city raised taxes. Just got an awesome escrow shortage letter.
Edit: I'm just super glad I didn't get an equity line around 2007ish like some of my friends did.
Nice! What's your new rate?
Mine's adjustable, currently at 3.00%
Not really. Knowing BoA, it will actually be 5.874. Shithole of a company.
Looked at a house with an HOA once, had never heard of them before at that point, realtor hands us a book of rules, I read like halfway down the first page and said no thanks.
Somehow i doubt that the hoa has anything to do with the schools or a number of those other than items
Columbia is a really unique and planned community. You live around here don't you? You might be right about the schools as that is mostly the fault of the county, but Columbia does introduce the diversity I really appreciate and want my kid to grow up with. Everything else is totally the fault of the Columbia Association.
Yeah, the Columbia assn is unique. Not worth the price imo , but at least there are a lot of facilities included. Schools are all on the county though
As are the roads
lol snow
Hey, at least my dreams of a white christmas could come true. You don't even have seasons. My world is pretty. Yours is flat and drab and hot.
I made up a song about white Christmases.
Some people dream of a white Christmas, but that's not the dream for me.
I dream of a Christmas with family and friends, gathered around a palm tree!
That's because you live in the hot. My cousin moved from Chicago to Tempe, az and when she would come home in the summer she would wear sweatshirts on 90° days because it was too cold.Ill take flat drab and hot over snow anytime
I have a low tolerance for the cold
We tried to refinance with BoA and the best they could do was 4.75 which is crappy for right now. We are going with a different bank at 2.75 for a 15 year note.
Ill take flat drab and hot over snow anytime
I have a low tolerance for the cold
That's a lie. My grandma loves the cold.
And a glass full of Canadian Mist.
I wish we could refinance, because I'd leave BoA in a heartbeat. We're so underwater that its funny to even suggest it though.
Rates are so ridiculously low right now that you can actually save cash over the life of the loan even though you're 100+k underwater. I'll even sit down and do the math with you if you want. You're not a dumb guy, but im pretty sure you're missing an option here by only thinking short term