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


Posted by Eddie Hoskins on 1/30/2019


3 Pailet Dr, Chelmsford, MA 01863

Condo

$100,000
Price

4
Rooms
2
Beds
1
Baths
Property located at the end of a dead end street associated with a complex of only 10 units. The unit offers an open concept living area with 2 large bedrooms and 1 bath. Two assigned parking spaces. 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.
Open House
No scheduled Open Houses






Tags: Real Estate   Condo   Chelmsford   01863  
Categories: Price Change  


Posted by Eddie Hoskins on 1/29/2019

This Condo in Chelmsford, MA recently sold for $260,000. This Townhouse style home was sold by Eddie Hoskins - Hoskins Realty, Inc.


255 North Rd, Chelmsford, MA 01824

Condo

$260,000
Price
$260,000
Sale Price

5
Rooms
2
Beds
1/1
Full/Half Baths
GREAT TOWNHOUSE WAITING FOR TLC: 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.

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Tags: Real Estate   Condo   Chelmsford   01824  
Categories: Sold Homes  


Posted by Eddie Hoskins on 1/28/2019

As the workforce changes and a growing number of companies seek out contractors and freelancers, many Americans find themselves in a gray area when it comes to their income. They may put in full-time hours, but on their taxes they work for themselves.

Mortgage lenders are cautious about who they lend to. They want to make sure you are a low-risk investment who has reliable, predictable income to ensure that they’ll earn money off of your loan.

This can sometimes make it difficult for freelancers, contract workers, or the self-employed. Not only might your taxes be unconventional, but your income could vary depending on the time of the year and the amount of business you receive.

It’s easy to see why many people would be anxious about applying for a mortgage under these circumstances. However, if you’re self-employed, there’s no need to worry. You can still get approved for a mortgage at a fair interest rate--you just need to do a bit of work to provide the right documents to your lender.

In this article, we’ll show you what documents and proof of income you’ll likely need and how to present it to a lender to make the process run as smoothly as possible to get you approved for your mortgage. Here’s what you need to do.

Organize your records

Before applying for a mortgage, it’s a good idea to take a look at your record-keeping process. As a self-employed worker, you’re probably already used to tracking your own income. However, this will help the lender analyze your income easier and move the process along more quickly.

Having a master spreadsheet of your dated invoices, paid amounts, and the names of your clients is a good place to start. You’ll also want detailed, easy to read information for your previous employers, landlords, references, and any other information you think will be pertinent.

Next, gather your tax documents for the last three to five years. As a self-employed worker, you likely file a Schedule C (Form 1040) and a Schedule SE. Make sure you have copies of these forms.

Dealing with deductions

Many self-employed workers write off business expenses in their tax returns. Travel expenses, internet, and other costs associated with doing business are all ways to save by reducing your taxable income. Doing so can save you money, but it can also reduce your net income which is what lenders will see when you provide them with your information.

If you’re hoping to get approved for a bigger loan, one solution is to plan your taxes in the year prior to applying for a mortgage. Make fewer deductions than you normally would to increase your net income.

Be ready to clarify

When a mortgage lender is reviewing your information, make sure you are open and available to provide any information that can be helpful to them in considering your application. Being prompt and accurate with your responses will signal to your lender that you are willing to work with them.





Posted by Eddie Hoskins on 1/24/2019

THIS GREAT TWO BEDROOM UNIT in Winding Brook Complex. Is in good condition with Spacious bedrooms, eat-in kitchen and some rooms have beautiful hardwood! The large sized garage under offers vehicle storage and storage space and attached laundry and storage area. A private balcony overlooks a lovely wooded common area. Close to shopping, schools, and bus routes. This is a Fannie Mae HomePath Property.

More Info on this Property | New Listing Alerts




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Posted by Eddie Hoskins on 1/21/2019

If you have hired a realtor to help you sell your home, you have already taken care of a good amount of the job that needs to be done to get the home sold at the right price. There is one important thing that you need to tend to as a seller- that’s getting your home ready to be shown. Once the home is on the market, your realtor will work with you to schedule open houses and times for the home to be shown privately. Whether you only have a few hours or a day or two to prepare for a home showing, there are a few certain areas that you need to tend to in order to help your home appear clean and tidy to impress buyers. 


Sweep Up


It doesn’t take very long to sweep down your hardwood and tile floors. After you do this, run over the floors with a mop to remove any stains that may be present on the floor. 


The Dust Rag Is Your Friend


If you have time, you can do a deep clean of your home. It also doesn’t take a long time to go over the surfaces of your home with a duster. Getting up the dust will not only make your home smell fresher, but it will appear cleaner as well. 


Make The Beds


Your mother told you for years that you need to make your bed in the mornings. She was right. Beds that have been made look much more presentable and homey than rooms with bedding strewn around. If your bedding is looking less than inviting and you have some time before your showing, you may want to pick up some new bedding. The small details are so important when it comes to selling your home, and making the home look inviting is one of them.       


Clear The Clutter Out


Whether it’s piles of clothes on the floor, dirty dishes in the sink, or papers on the counters, clean it up! While you want to give prospective home buyers an idea of what it’s like to live in a place, the home doesn’t need to look “lived in.” Try and get rid of the personal traces that you leave behind as you prepare to sell your home. As a bonus, you should also make sure the trash is empty and fresh. 


Vacuum The Rugs


Running a vacuum over your rugs can really help to freshen the home. If you have pets, this will help remove the odor that animals leave behind. It will also provide a fresh surface for anyone who is touring your home to walk on. 


Turn On The Lights


When you leave the house for a showing or open house, definitely make sure that all of the shades are open and the lights are on. A bright home is an inviting home.      


 




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