- Information-only real estate buyer guide
- Listings and MLS evidence require independent confirmation
- Property and loan decisions require qualified professionals
Builder contracts and community documents
Examine the purchase agreement with appropriate professional advice, including deposit deadlines, financing contingencies and projected closing costs. Request available HOA budgets and recorded covenants, and identify any special taxes or assessments that may affect the parcel. For unfinished infrastructure or amenities, ask what is actually guaranteed and when, rather than repeating marketing renderings as completed facts.
Compare verified inventory
Separate completed move-in-ready homes from planned or under-construction offerings in the live MLS feed. Confirm the builder’s stated availability and property details through current documents. If using VA financing, ask the lender to review the property and financing requirements rather than assuming a new home is automatically approved.
Before choosing a new-construction home in Chula Vista, request a current written schedule of community charges for the exact lot or condominium unit. Keep association dues, community facilities district special taxes, builder-paid incentives, and any separate special assessments in different columns. Ask whether amenities are complete, who pays for maintaining unfinished common areas, what the most recent association budget says about reserves, and whether the developer still controls the association. Confirm parcel-specific taxes with the county and the planned purchase terms with the lender. A builder's advertised monthly estimate, model-home price or statement about future community features is not a substitute for the recorded documents. Compare actual HOA rules, master insurance coverage, owner repair responsibilities, construction warranties, permit approvals and available seller disclosures before removing contingencies. None of those costs or rights should be assumed from a neighborhood name alone.