Its a bigger risk for a Bank to give you a loan on a New Development, rather than one that has a Board of Homeowners that have a Reserve of $ for Common grounds,snow removal,etc.
Negotiations are always available.
Good Luck Ask Questions
Is now the right time? The answer to this question is... it depends. Are you ready, willing and able to purchase now? Have you discovered and exercised your purchasing options? Why do you want to buy at all? How much will your mortgage be? How much would it cost to rent a similar property? How long do you plan to live there? Why a townhome and not a home? What are your concerns in purchasing now? Will prices go lower? Interest rates higher? What will that do to your purchasing power?
Not trying to be difficult here. Finding the right time to buy is dictated by your very personal situation and circumstances because no one knows what the short or long term future will hold. Without putting the time to analyze whether now is the right time for you or not, the short answer will be... the right time is when you are ready.