DO HOA fees have to be included in a mortgage? Can they be paid separately? by mxiao389 from Fairfield, California. Jan 31st 2019
HOA Fee's are always paid separately.. but we have to include the monthly charge when calculating your debt to income ratios.. so, your paperwork will show the "Total Housing Payment" with the included HOA, even though you will pay separately.. I'm a preferred Lender with California and Arizona being my primary markets. If you or someone you know is looking for financing options, feel free to contact me or pass along my information. 480-287-5714 WilliamAcres.com NMLS# 226347 / LendUS, NMLS 1938/ AZMB0121893
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