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


Posted by Eddie Hoskins on 6/17/2019

Many laws govern land ownership, and it is vital to know about the processes and rights of landowners so that you can avoid the risk of partaking in an illegal sale or getting involved in a scam. Before you can transfer the rights to a property, it is critical to know some facts about land titles.

What is a ‘Land Title’?

A land title is a formal document that shows what rights a person or group of people have over a piece of property. A land title is generally used to prove ownership of the property. It can also help a potential buyer to know what exactly is going on with their land such as the usage rights, natural resource rights, easements, existing liens and other rights that may not be obvious at a glance. If a property title does not bear the name of the seller, there is a chance that it may belong to another party.

Most local courthouses keep property records of a county and record all forms of land transfers that happen in that region. Whenever there is a dispute over a piece of land, a land title will provide clarity regarding ownership and other usage rights.

When considering land titles, here are some essential facts to know:

A Title is Not the Same as a Deed

A deed is a document that is used to transfer a land title from one person to another. The deed states all the terms of the land transfer and all the people involved. The local country office must have a notarized copy of a deed agreement before the title can reflect the changes in ownership. 

A Title Proves Ownership

During a legal argument, the key document that the court refers to when determining the real ownership of a property is the land title. The absence of a title means that the court will not acknowledge any contract or deed related to the property.

Property Owners Should Secure Their Land Titles

If you lose your original land title, it will cause a lot of complications for you in the future. It is best to store land titles and other property ownership documents in a safe place like a bank safety deposit box or fireproof home safe. Having quick access to your land title will help to make land negotiations easier.

Title Searches Help to Reveal Potential Problems

During a title search, the investigator will peruse many years of documentation to make sure that everything is right with the property. A title search can protect a potential buyer from paying the wrong party for a property, buying a property with unresolved tax payments or liens that can invalidate land ownership transactions.

If you’re looking to purchase land in your area, talk to your real estate agent about the best property for your needs.




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Posted by Eddie Hoskins on 6/10/2019

If you spend more time at home and wish to have a more expansive area for both your kids and their friends to hang out, then you need to consider a sunroom. You can turn your deck into a fantastic sunroom addition. Follow the tips below for choosing the right sunroom: 

Compare the price and value of a sunroom 

Make sure you get the exact cost of the project from your dealer. Also, consultants can give you tips on how to make use of your patio or deck for the foundation of your sunroom addition. Try to schedule an appointment with the consultant rather than asking for the cost over the phone. You cannot get the real price over the phone. It is essential that you compare the value of each product before considering a sunroom company.

Make an inquiry about the electrical raceways

To avoid living in a place where the electrical system is not up to code, you must be confident that the sunroom has an electrical system that meets the area’s coding laws.  The electrical raceways should not interfere with the sunroom décor. 

Check the roller wheels on the doors and windows 

The doors and windows are critical when building a sunroom. Apart from providing the outdoor feel, for complete insulation during the four seasons of the year, the windows and doors are required. The roller maintains the smooth operation of the regular-sized doors and windows while the big windows and doors need a steel wheel on heavy wheel tracks. 

Consider the Energy Star 

Energy star is a national program that is involved in the rating of energy products. The term "four season sunroom” means that the sunroom is suitable for use throughout the year. Some sunroom designs can earn the energy star. If thinking of buying a four-season sunroom, make sure the roof system is energy star qualified. 

The screen should be glare free 

Many screen companies will show you photographs of a screened porch and sunrooms that possess fiberglass screens. You should note that black aluminum enhances your outdoor view. When compared with fiberglass screens, black aluminum screens are stronger. 

Take note of the handles 

The handle of the sunroom's door should be durable and easy to use. Furthermore, the screen handles should be adequately sized and tightly fastened.

Get the right permits and inspection 

It is necessary you know the licenses that will be needed and how you will get them processed. Also, know who will schedule the inspection as laid down by your local building department. 

If you plan to add a sunroom to your home, follow the above tips for the best sunroom that will give you the value for your money.




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Posted by Eddie Hoskins on 6/3/2019

A WONDERFUL INVESTMENT OPPORTUNITY - OPEN TO OWNER OCCUPANTS AND INVESTORS - All inspection costs are the responsibility of the buyer including smoke detectors. The buyer will also assume responsibility for utility turn-on and turn-off for inspections. Buyer and buyer agent must due diligence and verify all information. THIS PROPERTY CANNOT BE SOLD FOR LESS THAN LIST PRICE- MUST SELL FOR LIST PRICE OR HIGHER. The condition of the property may not support the connection of utilities and no repairs will be done by the Purchaser or Seller to make the property available for connection or de-winterization. This is a FannieMae property.

More Info on this Property | New Listing Alerts




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Posted by Eddie Hoskins on 6/3/2019

Buying a luxury home isn't merely about buying an expensive house, it's about buying the most elegant home in the most exclusive and expensive neighborhoods. In addition to that, you are purchasing the architecture, landscaping, finishing, and fittings that come with the house. That’s why you have to do it the right way to avoid regrets in the future. 

Here are a few tips you should be aware of before you decide to go through with that luxury purchase.

  • Get the right realtor The right realtor is an agent with a lot of experience making high-end sales happen. They know the right places to get you what you need within your budget. It's not enough to get an agent because buying and selling luxury homes is a niche market in itself.
  • Get familiar with the area Remember that you’re not just buying a home, you’re buying the exclusivity of the neighborhood. There is a direct correlation between the value of the house and its location, so get as much information as you can about it. Ask questions about prospects for the area’s future to be sure that new property development doesn’t reduce the value of the neighborhood in the future.
  • Think of the resale value It’s very likely that you will end up selling your house someday, so resale should be at the back of your mind even as you make your decision about your purchase. That means if your personal tastes are somewhat eccentric—and it reflects in what you buy now—it might be more difficult to sell later until you find another buyer equally attracted by what you like. That’s not to say you shouldn’t spend your money as you please, it’s just a cautionary note to consider the future when you buy now.
  • Check the home out The first rule of home buying is never to buy a house without inspecting it, and that holds true for luxury homes too. Go beyond the photographs and look closely at the house. If this is your initial luxury home purchase, the property might likely be different than the previous home you bought, so you should get a home inspector familiar with the ins and outs of luxury homes to give it a clean bill of health for you. For help on finding a good home inspector, ask your realtor for suggestions and recommendations.




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Posted by Eddie Hoskins on 5/27/2019

Buying a home without of permit for remodeling comes with a lot of risks. Searching for a home to buy can be an exciting undertaking, but there are numbers of factors to consider before purchasing a house. You should find out if the house has a permit for remodeling and if the home you are about to buy has had improvements, you need to know whether those improvements were permitted. 

Most times, homeowners end up with unpermitted renovations to save time and money. Your county building inspector has to ensure that all homes comply with the existing laws that pertain to home remodeling. They also have the authority to enforce the rules. What happens if you are buying a house without a remodeling permit? Here are some risks involved: 

You will not be aware of renovations 

One of the dangers of buying a property without a remodeling permit is that the buyer will not know about the past improvements that have been done. There are disparities in state laws when it comes to the amount of information a seller must disclose to the buyer. It is always better if a seller can still provide a buyer with all the necessary documentation. 

The Buyer will be responsible for fixing the problem 

If the code enforcement department in your locality discovers that you the buyer is working on remodeling without a permit, you are regarded as the current occupant of the home and will be responsible for the payments of penalties and licenses. This applies even if the occupant has just purchased the house and knew nothing about it. To fix the issue, you might be required to make minor changes or tear down some parts and rebuild. You might also be ordered to remove all the unpermitted remodeling. 

You may be asked to pay back taxes 

Owing some taxes is another risk associated with buying a house without renovation permit. If the taxing authority in your locality discover that remodeling took place without permission, the present occupant may be liable for paying back taxes due to the increased value of the home. Apart from paying back taxes, it could also attract penalties and interests which would cost you more than you initially planned for.

If the remodeling work is done without a permit, it may not be covered by your insurance. 

In most cases, unpermitted remodeling is not covered by insurance. Therefore, if anything happens to any unpermitted addition in the home, the claim will be denied by your insurance company which could set you back thousands of dollars in the future.

Make sure to speak with your real estate agent to confirm that you have all the necessary rights to remodel your new home to your taste without penalties.




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