Wednesday, January 29, 2020

What Lexington Home Closing Costs Cover?

A Lexington home costs more than just the sale price. For example, closing costs—which make up about 2% to 5% of the home’s purchase price—are a major added expense. Michael Hyman, a research data specialist at the National Association of REALTORS®, shares the charges that make up closing costs in a post at the association's Economists’ Outlook blog so that home buyers can be prepared.

Lenders provide a Closing Disclosure at least three business days prior to closing on a mortgage. But buyers will need to budget for these added costs ahead of time to avoid sticker shock days before closing.

Origination fees. This is the fee charged by lenders for processing the application and underwriting it. The fee typically ranges from about 0.5% to 1% of the borrower’s mortgage. Sometimes, it’s higher for smaller loans because “the fixed costs are a higher percentage of a smaller balance,” Hyman notes.

Service charges. These include items such as the appraisal, credit report, flood determination and certificate, tax status, pest inspection, title search and insurance, and survey fees. Appraisals and surveys can cost anywhere between $300 to $500 each. Title services can add up to about $2,000, so buyers may want to shop around for that.

Transfer taxes and recording fees. Transfer taxes vary by state but can run up to 2.7% in parts of New York. “It does not matter if the buyer or seller pays, as long as the transfer tax is paid to the government, so transfer taxes can be negotiated between the buyer and seller,” Hyman writes.

Escrow items. Homeowners insurance, property taxes, and primary mortgage insurance (if applicable) also are added fees. Buyers moving into a homeowners association may need to pay monthly dues for the upkeep of the community.

Hyman offers the following example for how these costs can add up: A buyer is purchasing a $275,100 home with a 5% down payment. The loan amount is $261,345. Closing costs are estimated at 2.5% of the loan value—so $6,533. The buyer made a $2,000 earnest money deposit, so they would need to bring $4,533 in cash at the time of closing. “Altogether, this means that the potential homeowner will need to have access to approximately $18,300 in cash to pay for the down payment and closing cost net of the earnest money deposit,” Hyman says. Source

Wednesday, January 22, 2020


Wilson Farm
10 Pleasant Street, Lexington, MA 02421
JANUARY 25th-26th • 11:00AM-4:00PM

There is nothing better on a cold New England day, than a warm bowl of hearty soup.

We have invited our favorite soup vendors to showcase their soups, chili, bisques and chowder. Plus, you know our Kitchen and Bakery are whipping up some unique treats guaranteed to tantalize your taste buds. This event is free and open to the public. See you down on the farm.

For more activities at Wilson Farm, please visit:

Wednesday, January 15, 2020

2020 Small Yet Mighty Winter Farmers’ Market

2020 Small Yet Mighty Winter Farmers’ Market
Every Other Saturday
January – mid-April
January 4 & 18, February 1, 15, & 29, March 14, & 28, April 11
11 – 2 PM
The Waldorf School, 739 Massachusetts Ave

Delicious, local food from your favorite LFM farmers and vendors for your Breakfast, Lunch, Dinner, and everything in between.
2020 Winter Market Farmers and Vendors
Weekly Farmers and Vendors

C&C Lobster & Fish
fresh fish & lobster
Copicut Farms
poultry, pork, lamb, eggs
Del Sur Empanadas
ready to eat and frozen empanadas
Farmer Dave’s
apples, winter veggies including root crops and fresh greens, baked goods
HomeSpun Waldorf
hand crafted toys, books, gifts and art supplies
Neighbor’s Acre Farm
microgreens and Fat Moon Mushrooms
Purple Carrot Bread Co
artisan breads and pastries
Signal Rock Farm
(weekly through March 14)
lamb and wool products
The Roasted Granola
granola, honey  
Guest Vendors
Fork on a Road
(January 18, February 29, March 28, April 11)
vegetarian meal kits and seasonal chutneys
Pigeon Cove Ferments
(January 4, February 1 & 29, April 11)
lacto fermented sauerkrauts, kimchi, and kombucha
River Rock Farm
(February 1 and March 14)
dry-aged beef
Sweet Tahini
(February 15 and March 28)
tahini-based breads, spreads, and sweet treats
Valicenti Pasta Farm
(February 15)
frozen ravioli, sauces, and fresh pasta

Note: For the most up to date information on who will be attending each week, check Facebook the morning of each market day.

Wednesday, January 8, 2020

Make Your Lexington MA Home More Photogenic

Lexington MA Home Seller Tips
Ready to sell your Lexington MA home in the New Year? As your Lexington real estate agent, I’m here to fill you in on how to make your home more photogenic for listing photos! After all, the majority of buyers now search for a home online, so the quality of listing photos is key.

1.  Declutter, clean and stage. These are the most important steps to making your home presentable.
2.  Allow natural light in. This is the best light for showing off the depth of a room.
3.  Boost curb appeal. Most buyers see the front of the home first. Make it count!
4.  Stage the home. Use a professional, or look up tips in my past blog posts. This helps make the home look neutral and appealing to more buyers.

Find more tips in this New York Times article. Contact me, your Lexington real estate agent, when ready to sell and/or buy in the Lexington MA real estate market this year!

Theresa D'Antuono

Diet Tips With Proven Results

Drinking water can boost metabolism by 24–30% over a period of 1–1.5 hours, helping you burn off a few more calories

2. Eating Eggs for Breakfast
Studies show that replacing a grain-based breakfast with eggs can help you eat fewer calories for the next 36 hours as well as lose more weight and body fat.

Studies show that the caffeine in coffee can boost metabolism by 3–11% and increase fat burning by up to 10–29
Just make sure not to add a bunch of sugar or other high-calorie ingredients to your coffee. That will completely negate any benefits.

Though green tea contains small amounts of caffeine, it is loaded with powerful antioxidants called catechins, which are believed to work synergistically with caffeine to enhance fat burning 
Although the evidence is mixed, many studies show that green tea (either as a beverage or a green tea extract supplement) can help you lose weight
Green tea is available at most pharmacies, health stores, and grocery stores, as well as online.

Intermittent fasting is a popular eating pattern in which people cycle between periods of fasting and eating.
Short-term studies suggest intermittent fasting is as effective for weight loss as continuous calorie restriction.
Additionally, it may reduce the loss of muscle mass typically associated with low-calorie diets. However, higher-quality studies are needed before any stronger claims can be made.

A fiber called glucomannan has been linked to weight loss in several studies.
This type of fiber absorbs water and sits in your gut for a while, making you feel more full and helping you eat fewer calories.
Studies show that people who supplement with glucomannan lose a bit more weight than those who don't.

Studies show that sugar (and high-fructose corn syrup) consumption is strongly associated with an increased risk of obesity, as well as conditions including type 2 diabetes and heart disease 

Studies show that refined carbs can spike blood sugar rapidly, leading to hunger, cravings and increased food intake a few hours later. Eating refined carbs is strongly linked to obesity

Numerous studies show that such a regimen can help you lose 2–3 times as much weight as a standard low-fat diet while also improving your health

Using smaller plates has been shown to help some people automatically eat fewer calories
However, the plate-size effect doesn’t appear to affect everyone. Those who are overweight seem to be more affected 

Some studies show that keeping a food diary or taking pictures of your meals can help you lose weight.
Anything that increases your awareness of what you are eating is likely to be beneficial.

Keeping healthy food nearby can help prevent you from eating something unhealthy if you become excessively hungry.
Snacks that are easily portable and simple to prepare include whole fruits and nuts.

Taking probiotic supplements containing bacteria of the Lactobacillus subfamily have been shown to reduce fat mass 

Chili peppers contain capsaicin, a spicy compound that can boost metabolism and reduce your appetite slightly.
However, people may develop tolerance to the effects of capsaicin over time, which may limit its long-term effectiveness.

Doing aerobic exercise (cardio) is an excellent way to burn calories and improve your physical and mental health.
It appears to be particularly effective for losing belly fat, the unhealthy fat that tends to build up around your organs and cause metabolic disease.

One of the worst side effects of dieting is that it tends to cause muscle loss and metabolic slowdown, often referred to as starvation mode.
The best way to prevent this is to do some sort of resistance exercise such as lifting weights. Studies show that weight lifting can help keep your metabolism high and prevent you from losing precious muscle mass.
Of course, it's important not just to lose fat — you also want to build muscle. Resistance exercise is critical for a toned body.

Fiber is often recommended for weight loss.
Although the evidence is mixed, some studies show that fiber (especially viscous fiber) can increase satiety and help you control your weight over the long term 

They contain few calories but a lot of fiber. Their high water content gives them low energy density, making them very filling.
Studies show that people who eat vegetables and fruits tend to weigh less.
These foods are also very nutritious, so eating them is important for your health.

Studies show that poor sleep is one of the strongest risk factors for obesity, as it’s linked to an 89% increased risk of obesity in children and 55% in adults.

A recent study found that 19.9% of people in North America and Europe fulfill the criteria for food addiction 
If you experience overpowering cravings and can't seem to curb your eating no matter how hard you try, you may suffer from addiction.
In this case, seek professional help. Trying to lose weight without first combating food addiction is next to impossible.

Protein is the single most important nutrient for losing weight.
Eating a high-protein diet has been shown to boost metabolism by 80–100 calories per day while shaving 441 calories per day off your diet.
One study also showed that eating 25% of your daily calories as protein reduced obsessive thoughts about food by 60% while cutting desire for late-night snacking in half.
Simply adding protein to your diet is one of the easiest and most effective ways to lose weight.

If you struggle to get enough protein in your diet, taking a supplement — such as protein powder — can help.
One study showed that replacing some of your calories with whey protein can cause weight loss of about 8 pounds over time while increasing muscle mass

Sugar is bad, but sugar in liquid form is even worse. Studies show that calories from liquid sugar may be the single most fattening aspect of the modern diet 
Keep in mind that this applies to fruit juice as well, which contains a similar amount of sugar as a soft drink like Coke.

If you want to be a leaner, healthier person, then one of the best things you can do for yourself is to eat whole, single-ingredient foods.
These foods are naturally filling, and it's very difficult to gain weight if the majority of your diet is based on them.

People who diet tend to gain more weight over time, and studies show that dieting is a consistent predictor of future weight gain.
Instead of going on a diet, aim to become a healthier, happier and fitter person. Focus on nourishing your body instead of depriving it.

Your brain may take a while to register that you've had enough to eat. Some studies show that chewing more slowly can help you eat fewer calories and increase the production of hormones linked to weight loss

Here's to a happy and healthy weight loss!