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Posted by MDM Realty, Inc on 2/20/2018

Depending on where you live, groceries can be one of the top expenses in your household. Frugal shoppers have found many ways to save at the grocery store over the years, from coupons to price matching. However one of the best ways to save money on groceries and household items is to bulk buy. When you buy items in bulk you give up a small amount of storage space at home, but you gain savings in return. Plus buying in bulk means you're using up less packaging in the long run, helping the environment out as well. Here are the items you should buy in bulk and the items you should avoid.

Food

Whether you have a BJ's or Sam's Club membership or if you seek out good deals online or at your local grocery store, there are a number of food items you can buy in bulk to save money.
  • Cereal. Buying oversized boxes of cereal, especially knock-offs of name brands can save you more than 50% on prices.
  • Rice and beans. Buying food staples in bulk are a great way to save at the grocery store. Rice and beans can be used in any number of dishes for tastes from around the world. They offer meals high in fiber and protein and rich in nutrients.
  • Oatmeal. Large boxes of dried oatmeal will allow you to save money and make your own creations. Add dried or frozen fruit, nuts, cinnamon, or yogurt to your morning oatmeal to keep things interesting.
  • Frozen vegetables. Not only are frozen vegetables cheaper and more convenient, but they often contain more vitamins and nutrients than fresh vegetables because they are frozen immediately after being harvested.

Other home goods

Hand soap. Rather than buying new containers of hand soap every time you run out, wasting money and plastic, buy one large bottle of your favorite soap and refill the bottles in your kitchen and bathrooms. Trash bags. Trash bags bought in bulk don't take up much more room than smaller boxes and you'll get much more for your dollar. Toilet paper. Buying toilet paper in bulk will save you a lot of money. Try storing the huge pack in the basement rather than the bathroom closet, keeping just one or two extra rolls in the bathroom to save space. Toothpaste and toothbrushes. Toothpaste is a well known bulk-buy, but toothbrushes bought in packs of 2 or more are also a great way to save. Set a reminder in your phone to change toothbrushes at least once every three months.

Things not to buy in bulk

Condiments. The temptation is there to buy a huge bottle of honey mustard and save a few cents. But unless you eat it every day, odds are your condiments will expire before you use them and take up a ton of room in your refrigerator. Plastic tupperware. Rather than buying cheap plastic tupperware at the grocery store every few months, buy one good glass set that will last years. Fresh fruit. It's tempting to buy that huge bag of clementines, but you'll be kicking yourself when they start to rot and hardly any have been eaten. You're better off stopping at the store and buying small amounts of fresh fruits when you want them rather than assuming you'll eat them.  





Posted by MDM Realty, Inc on 2/15/2018


4 Avery Ln, Sterling, MA 01564

Single-Family

$464,900
Price

6
Rooms
3
Beds
2
Baths
Within close proximity of routes 12, 62, 117,and 190 this Stunning sun splashed Contemporary Ranch with full walk out basement that also has extra finished space, House has open floor plan with soaring ceilings and interesting line design. Kitchen has bountiful array of solid wood cabinetry and great layout for the family chef. Living room has brick fireplace which is a great accompaniment for the holiday season. Hardwood floors in main area on first floor and 3 generous bedrooms. Master bedroom has cathedral ceiling with large master bath with soaking tub & double vanity. Master also has large walk in closet to delight your favorite shopper and another fireplace making this Master suite a getaway. Walk out basement has lots more to finish, house also has 2 car garage, Lovely front entrance, central air, and great usable flat 1.67 acre lot. Come see this one today before its gone!
Open House
Saturday
February 17 at 1:00 PM to 3:00 PM
$10k price reduction!!
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Location: 4 Avery Ln, Sterling, MA 01564    Get Directions

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Categories: Open House  


Posted by MDM Realty, Inc on 2/13/2018

If you're planning to purchase a home in the near future, one thing's for sure: You've got your work cut out for you! However, when you finally find the house of your dreams, the time and effort will be more than worth it!

Your to-do list will include calculating how much you can afford to spend on a house, obtaining a pre-qualification letter from a mortgage lender, and eventually comparing loan estimates.

One of the first things home buyers usually need to do before getting too caught up in their real estate search is to check their credit score. Your credit report, which is basically a detailed profile of your credit history, plays a major role in your ability to get approved for a mortgage and obtain favorable interest rates. Consumers are entitled to get a free copy of their credit report once a year from the three major credit reporting companies: Equifax, Experian, and TransUnion.

Before applying for a mortgage, it's highly recommended that you check the accuracy of your credit report. If it contains mistakes, inaccuracies, or obsolete information, that could affect your ability to get a mortgage -- or obtain favorable interest rates and terms. Fortunately, errors can be disputed and corrected by the appropriate credit reporting company.

The Impact of Your Credit Score

The most widely used scoring system to determine a borrower's ability (and willingness) to stay current on loan payments is called a "FICO score." Depending on your credit history and bill paying habits, your FICO score can range from a low of 300 to a high of 850. If you're wondering how your FICO score stacks up against other homebuyers and consumers in the U.S., the median FICO score was recently in the neighborhood of 721 (although that number fluctuates). That means 50% of borrowers are above that score and 50% fall below that mark.

According to the Consumer Financial Protection Bureau, the best mortgage interest rates are generally offered to borrowers who have earned FICO scores in the mid- to high 700s. If your credit score falls between the high 600s and the low 700s, the interest rates available to you may be somewhat higher.

Those who are saddled with a credit rating below the mid 600s may have difficulty getting approved for a mortgage. If you're in that situation, your real estate agent or loan officer may suggest applying for an FHA loan rather that a conventional loan. Although FHA loans can be more expensive, the standards for getting approved are more lenient. These government regulated and insured loans also allow for a more affordable down payment of as little as 3.5 percent, as oppose to the "typical" down payment of between 10 and 15 percent.





Posted by MDM Realty, Inc on 2/12/2018


4 Avery Ln, Sterling, MA 01564

Single-Family

$464,900
Price

6
Rooms
3
Beds
2
Baths
Within close proximity of routes 12, 62, 117,and 190 this Stunning sun splashed Contemporary Ranch with full walk out basement that also has extra finished space, House has open floor plan with soaring ceilings and interesting line design. Kitchen has bountiful array of solid wood cabinetry and great layout for the family chef. Living room has brick fireplace which is a great accompaniment for the holiday season. Hardwood floors in main area on first floor and 3 generous bedrooms. Master bedroom has cathedral ceiling with large master bath with soaking tub & double vanity. Master also has large walk in closet to delight your favorite shopper and another fireplace making this Master suite a getaway. Walk out basement has lots more to finish, house also has 2 car garage, Lovely front entrance, central air, and great usable flat 1.67 acre lot. Come see this one today before its gone!
Open House
No scheduled Open Houses






Categories: Price Change  


Posted by MDM Realty, Inc on 2/6/2018

The home buying process can be long and daunting. From trying to find the right home to facing rejected offers, it can seem endless. Eventually, you will find the right home and get that offer accepted. Now you must face the next phase what’s called “closing” on a home. What exactly happens at the closing table can vary based on your own situation, but the important thing to know is that the closing table is where the deal is sealed and signed. The home of your dreams will finally be yours!


Find The Location


The location of the closing will be determined beforehand. It’s usually at a lawyer’s office but it could be at a realtor’s office. The attorney who has been chosen will be noted on the closing documents you receive before you get there.   


Get Ready To Write Large Checks


When you’re closing on a home, this is the time that the downpayment is expected along with all of the lawyer’s fees, taxes, commissions, assessments, and other agreements. This money should be presented at the time of closing and there’s no wiggle room on the timing, so be sure you have the cash handy in your account. Often, a bank check will be required to pay these fees along with the downpayment. Your lender will give a a detailed report of the fees that are required before you even head to the closing table, so you’ll have time to prepare.


Do Some Hand Stretches


There will be plenty of pens available at the closing. You’ll be there for awhile signing many important documents, so bring some water. If you don’t have a safe or file folders, you’ll want to get them as well. Depending on how your closing is conducted, a lawyer or other authorized person will be present to explain the legal jargon to you for every piece of paper that you’re signing. Every document that you sign should be saved for your reference and safe keeping. The proof of insurance and the deed to your property are definitely documents that you’ll want to have handy for a long time to come. Your home is one of the largest purchases that you’ll ever make in your lifetime, so be sure to keep that paperwork in order. 


After Closing Ends


After all of the papers are signed and the walkthrough of the home is complete, you’re a homeowner! In most cases, you’ll be able to call the home your own immediately. In some special cases, there are post-closing agreements that include repairs that couldn’t be done ahead of time, or other transactions that the seller may have agreed with you on at an earlier date. 


In most cases, everything will be taken care of right at the closing table. One of the most exciting moments is when the keys are handed over to you! After a long time of searching, many phone calls, and a lot of work, now you can start putting that elbow grease into your home!




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