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Jeff Dowler ~ Carlsbad Real Estate Carlsbad, CA More about me… RE/MAX Associates Office Phone: (760) 840-1360 Cell Phone: (760) 840-1360 Email Me  
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Carlsbad home buyers often find themselves confronted with Home Owner Association (H.O.A.) fees when looking at homes for sale. 
Fees can vary widely (from under $100/months to more than $400/month) and may add substantial costs to your monthly payments. Not all homes have them , but it is important as a buyer to watch for these fees, find out how much they are, and understand what you are getting for these costs since they impact your monthly budget.
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Jeff, HOA fees can be the difference between qualifying for a Loan or not. HOA fees are expected on a Condo, but very easy for a Loan Officer to miss if they are on a house and could blow up the deal when it goes to Underwriting.