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Tuesday, September 6, 2016

Mello Roos 信息

Mello-Roos is a form of financing that can be used by cities, counties, and special districts (such as school disricts). Mello-Roos Community Facilities Districts (referred to as "CFDs") raise money through special taxes that must be approved by 2/3rds of the voters within the district.

Mello Roos can last up to 40 years but in most cases are for only 30 years. 一个房子有多个CFD is not uncommon. 以下链接会告诉你一共多少数额, 分别有哪几个。每一个CFD旁边都列了电话号码, 你可以打电话过去问什么时候付清。 
http://www2.sdcounty.ca.gov/pts/fcsasearch.asp


本着一个新闻记者和工程师的严谨, 我在周一通常是一周内最多客服电话的时间试了两种方式, 首先是按照http://www.sdtreastax.com/content/ttc/en/contact-us.html上的客服电话, 进去很多子目录选择, 差不多每个选择都是选0, 终于被告知有八个人在我前面, 我挂断, 根据以往的经验, 当中还要转好几次, 没有一个小时是搞不定的,于是转第二种方式, CFD旁边列的都是本地电话, 我要查的这个房子显示有两个CFD, 一个立即打通, 立即告知, 一共35年, 不能提前预付, 每年数额不变;另一个给了我一个电话打, 打通后告知也是35年, 但是可以提前付请, $250 processing fee, 我之所以问是否可以提前付清是因为我在代理买房时碰到过几次卖方把Mello Roos 都提前付清, 结果搞得房子很俏手的 case。两个电话, 10分种搞定。

Since July of 1990, California Civil Code Section 1102.6 has required that sellers make a good faith effort to give property buyers a "Notice of Special Tax" if the property is in a Mello-Roos district. The notice must include the current year's maximum special tax for the parcel, the rate at which that maximum tax may increase per year, and the final date in which special taxes may be collected for bonded indebtedness. Property sold "as is" is not exempt from providing this disclosure, as stated in Section 1102.1 of the California Civil Code. 但是用以上方法, you get information before getting into escrow.