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


Posted by Eddie Hoskins on 8/13/2018

Buying a home is the mark of an important milestone in your life. While youíre very excited, you need to be prepared for all of the costs that are associated with buying a home. There are a few different costs that go into buying a home that are often overlooked. Before you dive into the home buying process, youíll want to be prepared.



The Closing Costs


Many homebuyers have gone smoothly through the process of buying a home until they get to the closing table. They suddenly realize that they need a bit more cash than they anticipated. You probably were more than prepared with your down payment, but thereís other costs that are associated with buying a home. Some costs that you should be prepared for include:


  • The home appraisal
  • Attorneyís fees
  • lenderís fees
  • Underwriting fee
  • Processing fees
  • Inspection fees



Youíll receive a disclosure up front to help you understand all of the charges and cash that you must present when your signing the final documents for the purchase of the house. Keep in mind that many of these fees can be negotiable. 


Decorating Your New Home


Once you move into a new home, youíre going to want to decorate the space. You may need a some new furniture. Perhaps you own no furniture and need to furnish the entire house. Youíll want to budget for this. The good news is that there are plenty of ways to fill up your home with items that wonít break the bank yet look good in the home. Places that you can shop include online sources like Craigslist or Facebook Marketplace. You can even check out local second hand stores for some great deals on furniture and decor that is in good condition. The important thing is that you understand how much youíll need to buy as you move into the home.   



Escrow Accounts


The escrow account typically holds the insurance and taxes for the home. Funds are withdrawn as premiums and payments are due. Not every lender has these set up, but you should be prepared to have the money up front for the home insurance and even the taxes at the closing table.  


Improvements Around The Home


There will be plenty of things that youíll want to do around your new home to spruce up the place and make it your own. From planting bushes in the front to flower gardens outside to fresh coats of paint, youíll quickly discover how expensive it is to be a homeowner. 

     

If youíre preparing to buy a home, now you understand why saving is so important! Investigate all the costs that youíll need to pay up front while youíre in the midst of buying a home to avoid any surprises.





Posted by Eddie Hoskins on 8/6/2018

Cleaning your home can always seem like an ever daunting task, but it truly doesnít have to be. If you spend the time to keep up with your home in small chunks and keep your cleaning routine organized, cleaning can be a breeze. Take a peek at the tips laid out below to discover how to make cleaning an easy task around your home. 


Keep All The Tools You Need In One Place


Itís a good idea to keep everything that youíll need to clean your home within one place. Use a bucket or caddy to help you tote your essentials around the house. This way, it will be easier to bring your cleaning supplies with you from room to room. You could even keep a cleaning tote on each level of your home for an even smoother cleaning process. 


Skip The Small Stuff

If you take out time during every cleaning to dust small collections and care for them, youíre wasting your time. Small knick-knacks and other hidden details of the home can stand to be dusted about once a month. 


Have A Storage System


Itís much easier to clean your house if you have a storage system. Having an organizational system in place means that everything has a place. Be sure you have shelving, cubbies, racks, and everything else youíll need to help your family put everything away as they use it. Keeping things neat and organized is half the battle when it comes to keeping your home clean.     


Use Your Vacuum Wisely


You have a vacuum to make cleaning easier, so use it! Get an extension cord to make every area of the house easy to reach. Although a broom or dust mop can sometimes be helpful in the cleaning process, a vacuum makes it much easier to get every piece of dirt and dust up off of the floors.  


Have A Plan


Beginning to clean your home without any rhyme or reason can be a recipe for disaster. If you only have time to do one room on one day, keep your cleaning schedule short but consistent. This way, the entire house will get done, but you wonít be overwhelmed. Focusing on one room at a time can help you to make your home shine. 


Use The Cleaning Supplies That Will Be A Help To You


There are many more things you can use in your home than conventional cleaning supplies. Use whatever works for you. Everything from vinegar to toothbrushes is fair game to use for your cleaning supplies.      








Tags: cleaning tips  
Categories: Uncategorized  


Posted by Eddie Hoskins on 7/30/2018


42 Main St, Lowell, MA 01852

Single-Family

$174,900
Price

6
Rooms
3
Beds
1/1
Full/Half Baths
GREAT STARTER HOME IN CONVENIENT LOCATION. FEATURES THREE SEASON PORCH, PULL DOWN ATTIC FOR EXTRA STORAGE, 1ST FLR LAUNDRY, 1ST FLOOR BEDROOM 12 X15 COULD BE USED AS FAMILY ROOM. The buyer and buyer broker must verify all information. Inspections are for buyer information only. This is a Fannie Mae Homepath Property.
Open House
No scheduled Open Houses

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Categories: Price Change  


Posted by Eddie Hoskins on 7/30/2018

Personal financial in your twenties comes with a steep learning curve. One minute youíre studying for your finals and the next youíre expected to suddenly know about APR financing, 401(K)s, and fixed-rate mortgages.

If youíre in your twenties and are facing these new challenges, youíre probably equal parts terrified and excited for the future. And, although it can be anxiety-inducing to step into the world of personal finance, you have one tool to your advantage that your parents and grandparents didnít have: the internet.

So, in this article, weíre going to give you some tips about buying a home and managing your finances in your twenties.

Have an emergency fund

You probably have a lot of things you want to save for. Down payments on mortgages and auto loans, saving money for traveling, beginning your retirement funds, and maybe even starting a family; theyíre all important investments that will take time and financial planning to achieve.

However, one thing that many young people neglect when they first start saving is an emergency fund. There are any number of things that can throw a wrench in your plans in your twenties. You might lose a job and have to live off of savings while hunting for a new one. Maybe something goes wrong with your car and it costs hundreds to repair. Or, you could have unforeseen medical expenses that arenít covered by your insurance. Regardless of the reason, having an emergency fund will help you stay out of unnecessary debt.

Itís recommended to have at least 6 months of living expenses saved in your emergency fund. Once you have this amount saved, itís a good idea to keep it in a separate account to avoid spending it on things that arenít exactly an emergency.

Donít live above your means

We all know that buying a house, going to college, and even buying groceries are all exponentially more expensive than they used to be. However, itís still important to try to adjust your lifestyle to the things you can afford.

This includes the vehicle you drive, the first home you buy, and even smaller purchases you make.

Avoiding lifestyle creep

Related to our last point about living above your means, lifestyle creep is the phenomenon that occurs when you get a raise or a higher paying job: the more we make, the more we spend. However, itís possible to avoid this trend by keeping your finances in check.

The next time you get a raise, make sure that money is put to use in either your retirement fund or savings account. This method is based on the goal of ďgiving every dollar a job.Ē When every dollar you earn has a purpose, youíre less likely to spend it on new video game consoles every six months.





Posted by Eddie Hoskins on 7/26/2018

This Condo in Dracut, MA recently sold for $185,000. This Townhouse style home was sold by Eddie Hoskins - Hoskins Realty, Inc.


120 Thissell Ave, Dracut, MA 01826

Condo

$184,900
Price
$185,000
Sale Price

4
Rooms
2
Beds
1/1
Full/Half Baths
This Lovely Kenwood Gardens condominium is completely refurbished ready for occupancy. The unit features hardwood floors on the first floor, carpeted bedrooms on the second floor and has new appliances, fresh paint, new slider to the deck and a laundry room in basement. This is a Fannie Mae home path property.

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Tags: Real Estate   Dracut   01826   Condo  
Categories: Sold Homes  




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