No I'm sure the HOA's and or Mello Roos fees are not added to the estimated monthly payment. It's a good idea to work with a loan officer to determine the total monthy payments on a particular property.
Web Reference: http://www.doreneslavitz.com
The HOA dues are not included in the estimated payment on Trulia. I would recommend for you to contact your mortgage broker so they can provide you with accurate figures depending on the property you are interested in, especially since HOA dues are always different in each building.
New construction is great because the builders sometimes offer incentives to buyers. But, I would suggest for you to work with a Realtor that has knowledge not only in new construction but also resale properties. The reason is because they can help you determine what the fair market value is, so you can get the best deal possible. As a buyer you have many options to choose from all you need is a great Realtor to guide you through and make this experience as smooth as possible. Feel free to contact me if you need any assistance.
Keller Williams Realty
Richard "RJ" Kas (SFR, SRES)
"Representing the finest properties from Los Angeles worldwide"
KAS Properties - Coldwell Banker Previews International - Beverly Hills East
9388 Santa Monica Blvd, Beverly Hills, CA 90210
310.859-5334 office - 310.488.9826 mobile - 310-273-0670 fax ATT: RJ
RichardKas@gmail.com - http://www.RJforLA.com - DRE: 01352771
Sellers Buyers Investors Leasing Consulting
As for putting an offer in, yes you should work with a realtor to find out where the units are actually selling. I have found that developments like these keep their listing prices high but will often accept much lower offers. They don't like making it known that they negotiated so low, but a realtor like myself can find out where theree true bottom line is with a little work.
Give me a call anytime and I would be very happy to assist you in this purchase! Whatever you do, make sure you have your one representation to write the offer and do not use the listing agent or developer to represent you!
KW Beveerly Hills