I appreciate your response & I find it funny that you were the only one to misunderstand me and imply that I was lazy.

I’ll chalk it up to you misunderstanding.

Get everything in writing so there is no misunderstandings and you both can point to signed documents.No legal advice.

Since we have only been making payments towards our mortgage for about 2 years now, I assumed that we wouldn't have much luck but maybe I misunderstand how they work (still a big rookie at all this!).

Perhaps this stems from a misunderstand of idea of principal recovery.

Insurance also doesn’t protect you from misunderstandings, especially those made in writing and email.

This comes to 80k total, but ARV is 70k.What am I misunderstanding ?

If not, again, please feel free to correct any misunderstandings I might have.

Insurance also doesn’t protect you from misunderstandings, especially those made in writing and email.

Many people feel that getting charged over $300 is literally a scam.Here's the breakdown of mine, none of which I'm familiar with:To the HOA:$275.81 regular assessments$1000 Working Cap Assess.To the HOA's management:$275 Ownership Conveyance Processing Fee$260 Resale Disclosure Fee--------------------TOTAL FEES: $1810.81Am I misunderstanding something here?