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I'm not familiar with it but I would think the hoa fee would be included in your debt to income ratio to see if you can afford the loan so it does play a part to see if you can make the mortgage payment.
I've never heard of them being included in a payment to a mortgage lender - generally you pay separately.
That being said, YOU for sure better include the HOA fees in your "loan payment" when you're figuring out whether or not you can afford a place. Don't just assume that the mortgage lender is going to factor that in, though they certainly should. That's your responsibility though.
I have never seen HOA being collected via escrow. I look at CDs all day long, roughly 1,000 per month.
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