What Are HOA Dues?

Published 2 months ago

What are HOA does and how do they impact my purchase?

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Joanne P.
Verified

"Top notch service. Very responsive. Highly recommend."

5.0

Vincent R.
Verified

"Awesome experience"

5.0

Michelleburns401

Refinance was quick and easy!

"Our recent refinance was as quick and easy as possible! All our questions were answered promptly and we were able to do many parts virtually! We only wish we had done this sooner! I highly recommend her and her team!"

5.0

Dadowning9

Purchase of a new home? I do not understand this request.

"Kathryn and her staff were very helpful and patient. All questions were explained and they were efficient in helping us to obtain necessary information promptly. If my efforts were not successful, they would promptly follow through to completion."

5.0

Chayla R.

Thorough, Attentive, & Fast Responses

"Highlights: Kathryn & her team always responded to me quickly & gave me the time I needed to get all of my questions answered without feeling rushed. They kept me updated and when loan numbers changed they notified me immediately, ran different scenarios, and were able to save me a lot of money in the long run. Very grateful to them! Details: Kathryn & her team were very thorough on all of their numbers for my loan from the very beginning. Any changes or additions I requested they ran almost immediately so I could see updated numbers throughout the process. They even helped me estimate what my total monthly payments would be including utilities & HOA, not just the mortgage, so there were no surprises about just how much money would come out of my pocket every month. They also answered all of my questions promptly and thoroughly in language I could understand, often working on weekends to provide me the info I needed quickly. Furthermore, I had a unique situation in which the loan I was applying for (USDA) changed its rules & requirements (not related to Kathryn or her lending agency) in the middle of my application. I was lucky that it lowered my lender's insurance for the loan as well as the enrollment fee, but it did increase my down payment slightly. When Kathryn & her team saw this, they notified me immediately, and worked so that while the down payment increased some, they were able to lower my interest rate another 0.25%. This means I am actually saving a lot more money on my loan than we thought I would! So happy, satisfied, & grateful!"

5.0

Elishacolson

Wonderful

"Kathryn and everyone at Fidelity Mortgage were so great to work with. They made the process as smooth as possible! They were extremely helpful throughout the whole process."

5.0

Valshusband

Personable

"Dealing with Kathryn felt like she is your family member taking care of you. She was friendly and knowledgeable about everything. If I need to deal with mortgage again Kathryn is my gontobperson. Couldn't ask for a better outcome!!"

5.0

Koryf15

Best ever

"Kathryn worked every angle to get me the best loan at the best rate. Despite a seemingly unending pile of regulatory hurdles Kathryn and her team never slowed down. No doubt they all had my best interests at the front of their efforts."

5.0

Mnmorrill3

Professional, Thorough, Kind

"I highly recommend working with Kathryn Pedersen. She made the process of obtaining a loan extremely smooth. Her team excelled in professionalism, communication, and kindness. Thank you Kathryn, we are very excited to be in our new home!"

5.0

Lptn8

Quick and Easy

"Kathryn and her team did a great job on one of my home loans. I'm self employed and that makes it tougher getting approved for a loan. However, the loan process with Kathryn's team was quick, smooth, and with the intended result. Communication was easy through phone and email, and the online platform made it very easy to upload documents."

5.0

Dbroshar26

Very Helpful

"Kathryn was very helpful from beginning to end of our loan process. I would definitely recommend her and her staff. As a first time homebuyer I had a ton of questions and she was alway happy to help and got back to me quickly."

5.0

Akreimer00

Superb !!!

"Kathryn and her team are the best: personable, professional, knowledgeable, efficient, and experts when it comes to mortgages. Communication was always clear and precise and they were able to expedite the close of our loan so our buy and sell coordinated perfectly. She comes highly recommended from several real estate agents in the community."

5.0

Loghaus

Everything was great

"Our realtor recommended Kathryn and worked out very well. Our last real estate loan was over 30 years ago so her kind help was much appreciated. All was done very quickly."

5.0

Zuser20160810144306177

Highly Recommend

"Kathryn was amazing! She made the entire process extremely easy and efficient. Always available, helpful, kind and knowledgeable. Not only is Kathryn knowledgeable in her field but goes out of her way to share information about the community. This isn't the first home we've purchased but Kathryn made it the easiest purchase."

5.0

Flattop92

Excellent Support from looking to Closing

"Kathryn provided me with support for almost a year as I looked at options in Steamboat Springs in spring 2016. After not finding anything I wanted or could afford we kept in touch as I continued to look for a home. In November 2016 I found a home in Grand Junction CO. and called Kathryn for how to proceed. She immediately helped get the financing started and directed me through the entire process. Everything was accomplished via computer, e-mail and telephone. I was kept up to date on all loan matters and notified if anything was needed asap. All questions I had were answered clearly and precisely. I greatly appreciate her support even though I was buying a home elsewhere. Her professionalism never waivered. Than you to Kathryn and her team for helping me get my new home."

5.0

Zuser20170604201313577

The group at Fidelity Mortage was good to work with on our new home

"Mrs. Pedersen and did a wonderful job throughout the lending process and was quick to answer all our questions start to finish and beyond. Thank you Kathryn."

4.0

Michaelsavage8

Top-notch service

"Katheryn and David were very professional, knowledgeable, and helped us stay on track every step of the way. I would highly recommend them to anyone considering purchasing a home."

5.0

Dahlen P.

Outstanding Service

"Kathryn and her team (David) were very focused on helping me qualify for my loan. They knew exactly what I needed to pay off in order to improve my credit score to get the best rate on my loan. From start to finish, very professional and personable service!"

5.0

Katiestamer387

Open Communication, Easy Process - They're the Best!

"From start to finish, Kathryn and everyone on her team made our somewhat complicated closing very smooth. I'm still able after the fact to go back with any questions, and I am 100% satisfied with my service."

5.0

Seanclacey

Always Awesome!!

"This was my second time using Kathryn in order to secure a mortgage. She always provides me with everything I need to complete my paperwork in timely manner."

5.0

National Rate Averages

Calculated from actual locked rates from consumers nationwide. Powered by .

Conv. 15-Year Fixed

2.494%

-0.007

Conv. 30-Year Fixed

3.172%

-0.023

FHA 30-Year Fixed

3.224%

-0.012

Jumbo 30-Year Fixed

3.218%

0.037

Average interest rate values are calculated from actual locked rates with consumers across more than 30% of all mortgage transactions closed nationwide. For more information on how these indices are calculated, read more.

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Bay Equity LLC. Equal Housing Lender. This is not a commitment to lend or extend credit. Restrictions may apply. Rates may not be available at time of application. Information and/or data are subject to change without notice. All loans are subject to credit approval. Not all loans or products are available in all states. Bay Equity LLC, 770 Tamalpais Drive, Suite 207 Corte Madera, CA 94925; NMLS ID#76988 | NMLS consumer access: http://www.nmlsconsumeraccess.org/EntityDetails.aspx/COMPANY/76988




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