Thanks all for the feedback.

Nepali budho Dai: Who knows Newly built home is above the ground where somebody was murdered in cold blood and buried. ( Wild imagination)

Nepali Salil: what areas in twin cities are you considering and what lender did you use for pre-qualifier? I agree, it is too expensive and I keep wondering why it is not listed in any of the top housing market lists.

SajhaMitra: Thanks for your beautiful insights, I will surely Keep in mind. Best School districts in the twin cities area are too hot to touch unless one has a deep pocket which I clearly don't. But I am looking for better schools.

Sajha Keto : Kaile Recession sakincha ra kaile Recession aaudai cha re bhanera kurda kurda budo hune bhaiyo. Recession ko halla last year dekhi suni rako ho khai bhau aakha aagadi bade ko badei cha.

In general, I know the difference and I can google easily but if anyone has and can share experience/suggestions/pro/cons from the perspective of Nepali immigrant in the USA with responsibilities back home would be a great help towards first time home buyers like myself.

a) Townhouse Vs Single Family
b) 30 Yrs vs 15 Yrs and
c) FHA vs Conventional Loan