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[Q=leighannh10]I have a lot riding on it, and reviews are mixed all over the internet. I don’t want to react out of fear and get suckered into paying them, just because I’m scared it will hurt our chances of getting a new mortgage in less than a year, but I also don’t want to see it actually get in our way of getting the mortgage.[/Q] Yes, there have been a lot of mixed reports about credit ratings getting affected by defaulting on maintenance fee payments. In the end, you have to decide whether or not to take the risk. But since you are worried about applying for a mortgage, have you looked into the option of applying for a pre-approved mortgage now (even though you will want the mortgage next year) before any possible credit rating "dings" might kick in?