Townhouses often do include the land they sit on, but there are common areas that are owned by the HOA or some other entity.

you will recall.

It's probably just going to be easier just to pay the bill than sit and fight about it.

Sit down, read and ask plenty of questions.

@N.A N.A I recommend sitting tight.

I decided that sitting on the sidelines trying to learn everything wasn't working for me so I decided to go cautiously full steam ahead.

I would recommend sitting down with a couple mortgage lenders from national (big) banks and a couple from local or regional banks.

Not saying it's never been done, but after running through a few thousand I don't recall anything longer than 20 years and as I recall, it had stepped interest rates fixed.

Sit down with a mortgage broker, get pre approved and you'll find out what you qualify for, and you'll get an idea of the cash you'll need in addition to the minimum 3.5% down payment.

A servicer is a good idea for both of you anyway.GA has strict laws on mortgage origination as I recall, so you need to see a registered mortgage originator.