Eddie Hoskins - Hoskins Realty, Inc | 508-317-6045 | ed@hoskinsrealty.com


Posted by Eddie Hoskins on 10/19/2020

There are few things more frustrating than finding out that the plants you’ve been tending to all summer have been overrun with insects and aren’t producing any fruit. Perhaps even worse is when you find a trail leading into your pantry where your food has been compromised by a tiny army of ants.

Keeping the pests out of your home and garden is a difficult task made even harder if you want to do it without using harsh chemicals and pesticides. However, there are ways you can effectively keep your food safe. In this article, we’ll show you how.

Protecting your garden from pests

The most important tool you have at your disposal when it comes to protecting your lawn, flowers, and garden from pests is your own vigilance.

In the garden, take note of the condition of your plants’ leaves. Look on the underside of them for small, yellow or brown dots. These are often insect eggs that will soon hatch and result in your plants being devoured before they can produce crops.

As a last-ditch effort to keep the bugs away, you can try spraying your plants with a homemade insecticidal soap spray. These sprays are usually 95% water and then a small amount of  pure castile soap or vinegar. Be sure not to use too much or this can harm your plants or soil.

Whether you live in the city, the suburbs, or in the country, there are likely to be some furry creatures who see your garden as a food source. One way to keep many away is by framing the garden with a simple metal wire fence.

If it’s flowers you’re worried about, try planting them in mulch and keeping the leaves dry when possible. This will avoid excess moisture which can cause plant-killing diseases. Using a watering can rather than a hose will help you target the base of the plant and keep the leaves dry.

Keeping the bugs outside

Regardless out whether your home is old or new, you’ll likely someday find yourself with an insect problem. Some are lured in by warmth in the cold seasons, others are seeking a food source.

Let’s begin on the exterior of your home. Check for cracks in your foundation and along doors and windows and seal these cracks up. Next, if there’s a space under your door, install an aluminum door threshold if there is a gap between your door and the floor. While you’re there, make sure the weather stripping on your door is in good condition.

Next, make sure all of the screens in your doors, windows, and other ventilation areas are in good condition. Even the tiniest tear can be enough to let in flies and other insects. 

The final step in keeping the bugs out of your home is to remove what’s luring them there in the first place. Store your food in airtight storage containers within your cabinets. Not only will this keep bugs away, but it can also make organizing food easier, especially things you might not use often, like flour or a large bag of sugar.




Categories: Uncategorized  


Posted by Eddie Hoskins on 10/12/2020

If you receive an offer to purchase from a property buyer and decide to submit a counter-offer, it is important to err on the side of caution. Because if your counter-proposal fails to meet a buyer's expectations, you risk missing out on the opportunity to sell your house and maximize your home sale earnings.

When it comes to reviewing an offer to purchase and submitting a counter-proposal, it helps to prepare as much as possible. Fortunately, we're here to help you perform a full analysis of a homebuying proposal and ensure that you can submit a counter-offer that matches the expectations of both you and a buyer.

Now, let's take a look at three tips to help you put together a "fair" counter-proposal to a buyer's offer to purchase your home.

1. Use Housing Market Data to Your Advantage

Take a look at local housing market data – you'll be glad you did. If you take a data-driven approach to craft a counter-offer, you may be better equipped than ever before to put together a counter-proposal that meets the needs of all parties involved in a property sale.

Analyze the prices of recently sold houses in your city or town that are similar to your own. Furthermore, find out how long these residences were available before they sold. With this housing market data in hand, you should have no trouble crafting a fair counter-proposal.

2. Consider the Buyer's Perspective

As you examine a buyer's initial offer to purchase, think about why this individual chose to submit the proposal. Try not to get emotional if you feel the offer is too low; instead, think about how you can work with a buyer to find common ground.

Oftentimes, it helps to maintain open communication with a buyer. If you put together an counter-proposal that accounts for the buyer's perspective and keep in touch with this individual, you and a buyer may be able to work together to come to a fair agreement.

3. Consult with a Real Estate Agent

If you are unsure about what to propose as part of a counter-offer, there is no need to stress. In fact, if you collaborate with a real estate agent, you can get the assistance you need to craft a counter-proposal that may lead to an instant "Yes" from a buyer.

Usually, a real estate agent will inform you about an offer to purchase your home and provide recommendations and suggestions as you craft a counter-proposal. He or she also will negotiate with a buyer's agent on your behalf. And if you ever have concerns or questions during the property selling journey, a real estate agent is happy to address them.

Allocate time and resources as you craft a counter-offer. If you consider the current state of the real estate market and the buyer's perspective, you could increase your chances of putting together a counter-proposal to close a deal on your home. Perhaps best of all, you can submit a counter-offer that allows both you and a buyer to achieve your respective goals faster than ever before.




Categories: Uncategorized  


Posted by Eddie Hoskins on 10/5/2020

If you intend to sell a home, it helps to allocate time and resources to produce an effective property listing. Ultimately, a house listing can help a property seller make a positive first impression on potential buyers. And if a listing is informative and engaging, it may lead a buyer to set up a house showing.

Now, let's take a look at three tips to help you craft a house listing that hits the mark with prospective buyers.

1. Analyze the Buyer's Perspective

Think about why a buyer may pursue your house over all other available properties. Then, you can put together a home listing that accounts for the buyer's perspective.

As a home seller, your goal is to stir up interest from as many potential buyers as you can. If you assess the buyer's perspective closely, you can craft a home listing that accounts for key factors that distinguish your residence from other properties. And as a result, your home listing may help you make your house an attractive choice to dozens of prospective buyers.

2. Provide Accurate Home Information

Although you may be tempted to stretch the truth when you craft your home listing, there is no reason to do so. Because if you try to hide home problems from buyers, you may put a property sale in jeopardy down the line.

On the other hand, if you include accurate home information in your listing, you can help a buyer make an informed decision about your house. And if a buyer finds your home may match his or her expectations, this individual could set up a showing to take an in-depth look at your residence.

3. Include High-Resolution Photos of Your Home

High-resolution photos that show off the beauty of your kitchen, bedrooms and other areas of your house are must-haves in your property listing. In some instances, you may be able to capture spectacular images of your home with your camera or smartphone. Or, you can hire a professional real estate photographer to take pictures of your home for a property listing.

Clearly, there are many things you can do to transform an ordinary house listing into an exceptional one. And if you work with a real estate agent, you can get expert help as you prepare a home listing and perform other house selling tasks.

A real estate agent understands how to sell a residence and is happy to share his or her housing market insights with you. This housing market professional can help you promote your home to prospective buyers, review any offers to purchase your residence and much more. Perhaps best of all, a real estate agent will provide honest, unbiased home selling recommendations to ensure you can maximize your house sale earnings.

Prioritize your home listing – you'll be glad you did. If you devote the necessary time and resources to craft a listing that highlights your home's features, you may be better equipped than ever before to enjoy a successful property selling experience.




Categories: Uncategorized  


Posted by Eddie Hoskins on 10/2/2020

This Single-Family in Chelmsford, MA recently sold for $375,200. This Ranch style home was sold by Eddie Hoskins - Hoskins Realty, Inc.


10 Algonquin Rd, Chelmsford, MA 01824

Single-Family

$369,900
Price
$375,200
Sale Price

8
Rooms
5
Beds
2
Baths
DELIGHTFUL RANCH with some remodeling done. This large ranch on more than 1/2 acre is waiting for your finishing touches. Some remodeling started by the previous occupant needs finishing touch. Large kitchen with skylights, stainless steel appliance and newer cabinets. A large family room is just waiting for your ideas. Utilities may not be started due to the condition of the property. Neither the seller or the buyer will make repairs for the buyer's inspection. This is an ideal project for cash or rehab financing. This is a Fannie Mae Homepath property. MULTIPLE OFFERS: Multiple Offer Deadline – Aug 20, 2020, 03:16:00 PM (EDT)






Categories: Sold Homes  


Posted by Eddie Hoskins on 9/28/2020

Image by Charles ???? from Unsplash

Part of buying a home is researching the market and your finances. Most lenders require you to put at least 20 percent down or pay private mortgage insurance (PMI). Since PMI is a cost that does not lower your interest rate or principal, it’s almost always better to save up that hefty down payment. Lenders charge PMI to cover some of their risk if you do not put the 20 percent down to create equity. Conventional loans backed by Fannie Mae and Freddie Mac always require PMI if you do not put 20 percent down.

Avoiding PMI

In some cases, you could avoid PMI by taking out a special loan or a VA loan. VA loans are only available to veterans, but require very little down or even zero down. The VA doesn’t actually give you the loan—it insures your loan against default. Conventional loans not backed by Fannie Mae or Freddie Mac often have higher interest rates. These two programs are also government-insured loans.

Other reasons to avoid paying PMI include:

  • Tax laws change every year. As of 2017, PMI was no longer deductible, which means that you lose that offset.

  • The lender is the only beneficiary. If you should die before your loan is paid off, it will pay only the lender and only for the balance on the home.

  • You pay PMI until the equity on your home reaches 20 percent. If the market was good when you bought the home, but it tanks a couple of years later, you could be stuck paying PMI for many years.

  • Some lenders require you to pay PMI even after the equity in your home reaches 20 percent. If you do have to take PMI, always read the fine print.

  • Finally, PMI is difficult to cancel. You will need to write a letter to your lender to cancel the PMI. Until you hear from the lender, you will be stuck paying those premiums every month.

  • PMI ranges from .5 percent to 1 percent of the amount you borrowed paid out in equal monthly payments every year. Thus, a loan amount of $200,000 could have a $2,000 per year PMI premium, which is about $167 per month added to your mortgage payment until the lender agrees to cancel the premiums.

Saving the Down Payment

In addition to saving for a down payment, you may qualify for some down payment assistance programs such as the first-time home buyer’s program. These programs help you get that 20 percent so that you do not have to pay PMI. If you have a retirement account, you may be able to use money from that account to help with a down payment.

Though it may seem painful to pay such a large chunk of money, it saves you from paying insurance premiums and it lowers the cost of the loan since you don’t pay interest on the down payment and it is applied to the principal.




Tags: Mortgage   pmi   down payment  
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