[svelte]

Congrats on the purchase! Enjoy your new home!

I’m with you – I’m not willing to wait 5 more years to buy. Others can wait if makes them happy – owning a home makes me happy.

As a purchaser of new homes in the past, I concur that a home inspection is necessary…they may be able to point out things you wouldn’t notice on your own for YEARS, maybe after the warranty has expired!!!

Another very important point sort of hit on already, DO NOT have the builder or real estate agent recommend an inspector – they’ll recommend one who has no motivation to dig deep for defects (they want this thing to close!).

I’m excited for you!

[svelte]

Congrats on the purchase! Enjoy your new home!

I’m with you – I’m not willing to wait 5 more years to buy. Others can wait if makes them happy – owning a home makes me happy.

As a purchaser of new homes in the past, I concur that a home inspection is necessary…they may be able to point out things you wouldn’t notice on your own for YEARS, maybe after the warranty has expired!!!

Another very important point sort of hit on already, DO NOT have the builder or real estate agent recommend an inspector – they’ll recommend one who has no motivation to dig deep for defects (they want this thing to close!).

I’m excited for you!

[svelte]

Congrats on the purchase! Enjoy your new home!

I’m with you – I’m not willing to wait 5 more years to buy. Others can wait if makes them happy – owning a home makes me happy.

As a purchaser of new homes in the past, I concur that a home inspection is necessary…they may be able to point out things you wouldn’t notice on your own for YEARS, maybe after the warranty has expired!!!

Another very important point sort of hit on already, DO NOT have the builder or real estate agent recommend an inspector – they’ll recommend one who has no motivation to dig deep for defects (they want this thing to close!).

I’m excited for you!

[svelte]

First, because the train is set to start running in a matter of weeks, I would advise you to wait until it is actually doing 30 trips a day. Listen to the noise, consider the safety issues that come along with living near tracks, and keep in mind that although there will be no horn at the intersection directly next to Silvercrest, I believe there will be one at Cal State, and it will likely be loud.

I was formerly of the opinion that houses near Sprinter would be far less desireable because of the Sprinter horn. I have heard it a few times now, and I have to say I’m changing my mind. It is not the typical loud freight train horn we’re used to hearing. It is a much quieter horn, on the order of a little Japanese car horn…not even as loud as a full-sized car horn.

Unless there is some future decision that causes the transit authorities to upgrade to a louder horn (a major accident, perhaps?), I think the residents near the Sprinter should be OK. I still wouldn’t want to be right up against the tracks, but a couple roads in should be just fine.

[svelte]

First, because the train is set to start running in a matter of weeks, I would advise you to wait until it is actually doing 30 trips a day. Listen to the noise, consider the safety issues that come along with living near tracks, and keep in mind that although there will be no horn at the intersection directly next to Silvercrest, I believe there will be one at Cal State, and it will likely be loud.

I was formerly of the opinion that houses near Sprinter would be far less desireable because of the Sprinter horn. I have heard it a few times now, and I have to say I’m changing my mind. It is not the typical loud freight train horn we’re used to hearing. It is a much quieter horn, on the order of a little Japanese car horn…not even as loud as a full-sized car horn.

Unless there is some future decision that causes the transit authorities to upgrade to a louder horn (a major accident, perhaps?), I think the residents near the Sprinter should be OK. I still wouldn’t want to be right up against the tracks, but a couple roads in should be just fine.

[svelte]

First, because the train is set to start running in a matter of weeks, I would advise you to wait until it is actually doing 30 trips a day. Listen to the noise, consider the safety issues that come along with living near tracks, and keep in mind that although there will be no horn at the intersection directly next to Silvercrest, I believe there will be one at Cal State, and it will likely be loud.

I was formerly of the opinion that houses near Sprinter would be far less desireable because of the Sprinter horn. I have heard it a few times now, and I have to say I’m changing my mind. It is not the typical loud freight train horn we’re used to hearing. It is a much quieter horn, on the order of a little Japanese car horn…not even as loud as a full-sized car horn.

Unless there is some future decision that causes the transit authorities to upgrade to a louder horn (a major accident, perhaps?), I think the residents near the Sprinter should be OK. I still wouldn’t want to be right up against the tracks, but a couple roads in should be just fine.

[svelte]

First, because the train is set to start running in a matter of weeks, I would advise you to wait until it is actually doing 30 trips a day. Listen to the noise, consider the safety issues that come along with living near tracks, and keep in mind that although there will be no horn at the intersection directly next to Silvercrest, I believe there will be one at Cal State, and it will likely be loud.

I was formerly of the opinion that houses near Sprinter would be far less desireable because of the Sprinter horn. I have heard it a few times now, and I have to say I’m changing my mind. It is not the typical loud freight train horn we’re used to hearing. It is a much quieter horn, on the order of a little Japanese car horn…not even as loud as a full-sized car horn.

Unless there is some future decision that causes the transit authorities to upgrade to a louder horn (a major accident, perhaps?), I think the residents near the Sprinter should be OK. I still wouldn’t want to be right up against the tracks, but a couple roads in should be just fine.

[svelte]

First, because the train is set to start running in a matter of weeks, I would advise you to wait until it is actually doing 30 trips a day. Listen to the noise, consider the safety issues that come along with living near tracks, and keep in mind that although there will be no horn at the intersection directly next to Silvercrest, I believe there will be one at Cal State, and it will likely be loud.

I was formerly of the opinion that houses near Sprinter would be far less desireable because of the Sprinter horn. I have heard it a few times now, and I have to say I’m changing my mind. It is not the typical loud freight train horn we’re used to hearing. It is a much quieter horn, on the order of a little Japanese car horn…not even as loud as a full-sized car horn.

Unless there is some future decision that causes the transit authorities to upgrade to a louder horn (a major accident, perhaps?), I think the residents near the Sprinter should be OK. I still wouldn’t want to be right up against the tracks, but a couple roads in should be just fine.

[svelte]

Homeowners with teaser rates no doubt are very supportive of the proposal!

And the reason nobody posts support for the bailout here is that disssenting opinions usually get shouted down on this (and most other) forums.

I’m actually in support of it. And no, we don’t have an IO/ARM loan. We have a 30 yr fixed rate. We’re pretty conservative with our personal finances yet very liberal with our social stances in my household.

Chum is in the water!!

[svelte]

Homeowners with teaser rates no doubt are very supportive of the proposal!

And the reason nobody posts support for the bailout here is that disssenting opinions usually get shouted down on this (and most other) forums.

I’m actually in support of it. And no, we don’t have an IO/ARM loan. We have a 30 yr fixed rate. We’re pretty conservative with our personal finances yet very liberal with our social stances in my household.

Chum is in the water!!

[svelte]

Homeowners with teaser rates no doubt are very supportive of the proposal!

And the reason nobody posts support for the bailout here is that disssenting opinions usually get shouted down on this (and most other) forums.

I’m actually in support of it. And no, we don’t have an IO/ARM loan. We have a 30 yr fixed rate. We’re pretty conservative with our personal finances yet very liberal with our social stances in my household.

Chum is in the water!!

[svelte]

Homeowners with teaser rates no doubt are very supportive of the proposal!

And the reason nobody posts support for the bailout here is that disssenting opinions usually get shouted down on this (and most other) forums.

I’m actually in support of it. And no, we don’t have an IO/ARM loan. We have a 30 yr fixed rate. We’re pretty conservative with our personal finances yet very liberal with our social stances in my household.

Chum is in the water!!

[svelte]

Homeowners with teaser rates no doubt are very supportive of the proposal!

And the reason nobody posts support for the bailout here is that disssenting opinions usually get shouted down on this (and most other) forums.

I’m actually in support of it. And no, we don’t have an IO/ARM loan. We have a 30 yr fixed rate. We’re pretty conservative with our personal finances yet very liberal with our social stances in my household.

Chum is in the water!!

[svelte]

I remember in the 90’s bust there was a development caled “Discovery Hills” in San Marcos. Built by McMillan I think. They just abandoned it, homes sat half finished, streets left unfinished, some bare slabs with pipes sticking out. There were some finished homes which people had bought, and were living in. They tried to sue the builder, but the builder went BK.

I think you’re actually talking about Paloma in San Marcos, which was built by Baldwin before they went bankrupt. There were about 20 homes that sat for at least a year, and probably much longer, with just slabs and framing. The Paloma residents referred to them as the ‘stick’ houses.

After a few years, KB Homes bought those and several hundred vacant lots around them, renamed the community “Santa Fe Hills”, worked with the city to renegotiate the Mello-Roos to a *much* lower monthly payment (just for their section of the MR district mind you – they wanted to stick existing Paloma residents with the older, higher rate until they protested and became a part of the renegotiated lower interest rate bond), and finished building the development in typical KB style: huge square boxes with no style allowing them to buy big ads emphasizing monstrous square footage at low prices.

The renegotiated Mello Roos part is why it is probably not wise to pay off your Mello Roos early.

[svelte]

I remember in the 90’s bust there was a development caled “Discovery Hills” in San Marcos. Built by McMillan I think. They just abandoned it, homes sat half finished, streets left unfinished, some bare slabs with pipes sticking out. There were some finished homes which people had bought, and were living in. They tried to sue the builder, but the builder went BK.

I think you’re actually talking about Paloma in San Marcos, which was built by Baldwin before they went bankrupt. There were about 20 homes that sat for at least a year, and probably much longer, with just slabs and framing. The Paloma residents referred to them as the ‘stick’ houses.

After a few years, KB Homes bought those and several hundred vacant lots around them, renamed the community “Santa Fe Hills”, worked with the city to renegotiate the Mello-Roos to a *much* lower monthly payment (just for their section of the MR district mind you – they wanted to stick existing Paloma residents with the older, higher rate until they protested and became a part of the renegotiated lower interest rate bond), and finished building the development in typical KB style: huge square boxes with no style allowing them to buy big ads emphasizing monstrous square footage at low prices.

The renegotiated Mello Roos part is why it is probably not wise to pay off your Mello Roos early.

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