Have you had any luck with specific sites if I am not in a major city? 

Here's a detailed guide on navigating HOA rules and avoiding unnecessary penalties.The first step to avoiding HOA fines is to thoroughly understand the specific rules and regulations of your HOA.

This index provides clear figures on an annual basis by state, offering insights into capital appreciation:The highest states are: - Baja California Sur: 17.9%- Quintana Roo: 17.1%You can also find data for specific municipalities:- La Paz (BCS): 18.1%- Los Cabos (BCS): 17.7%- Benito Juarez (Cancun municipality): 17.3%- Solidaridad (Playa del Carmen municipality): 16.8%The housing price index provides an average or generalized view of property prices within a specific area or category.

Companies like LightStream, SoFi, and others have been known to offer flexible lending solutions, although they may not specifically advertise future value HELOCs.

The protection generally covers the entire property as long as you reside in one of the units.Exceptions: There are exceptions to this protection, including liens for property taxes, mortgages for the property's purchase, home equity loans, and liens for work done on the property.Given the complexity of these matters, it's advisable to consult with a legal expert in Texas real estate or bankruptcy law for guidance specific to your situation, especially to navigate any nuances and ensure your property remains protected

It's beneficial for those who need a specific amount upfront and prefer the stability of fixed payments.HELOC (Home Equity Line of Credit): Offers a credit line you can draw from as needed, with a variable interest rate.

We're specifically interested in understanding:What key information or considerations should we be aware of before proceeding with an FHA purchase as co-borrowers with family members?

Consulting with a tax professional or a financial advisor is highly recommended to navigate the specifics of your situation, especially to optimize tax benefits and ensure compliance with current tax laws.

@Robert Ellis I don't see why it wouldn't they specifically mentioned that it would work for a refinance also, but I'll shoot you a PM with my contacts info if you'd like to reach out to him and confirm.

Specifically, there's job growth (Intel, Honda, Amazon, Nationwide, etc) and the population is growing (unlike Cleveland or Cincy).