Dimacale & Gracie Real Estate | Ashburnham, MA Real Estate, Westminster, MA Real Estate

Lot B Newell Hill Road Ext., Sterling, MA 01564



Land Type
Here is your chance to own a very private and beautiful 2.81 acre lot with 447’ of frontage in Sterling. This stunning lot has been cleared and the stumps removed. It has also been surveyed and perked. Plenty of room to have a sprawling yard. Plenty of trails for hiking. Located on the Sterling and W. Boyalston line. Commonwealth of MA owns hundreds of acres that surround this property. Minutes to Route 12 & 190. What a great opportunity to build your dream home! Zoning allows for a two family as well.
Open House
No scheduled Open Houses

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You know when you buy a home that your credit score matters, but do you see all of the numbers that matter to your financial picture when you’re buying a home? Your debt-to-income ratio is one of the most critical figures that will influence if you can get a mortgage and what type of rate you can get. 

What Is A Debt-To-Income Ratio?

This number is exactly what it states: the ratio of debt divided by your gross monthly income. Your credit report doesn't include any of this income information. This number is actually the best way to see if you’re living within your means or not. This way, your lender will know your monthly debt payments along with your monthly income.  

If your ratio of debt is high, you may not get a loan or get less desirable interest rates than if you had lower amounts of debt. Even if you have a high credit score, your debt-to-income ratio could affect these things. In reality, a higher debt ratio will make it harder for you to pay back your debt, so it’s important to you. 

How It’s Calculated

You can use an online tool to help you calculate your debt-to-income ratio. You can also use a simple formula if you’re up for doing some math yourself:

Divide your monthly debt payments by your monthly gross income then multiply that number by 100. For example:

Student loans: $400

Car loan: $300

Rent: $700

Income: $4,000 

1400/4000= 0.35 x 100= 35%

Household Ratio

You should also be aware of something called your household ratio. The household is the amount of home-related expenses which includes property taxes, prospective mortgage, home insurance, and more. These costs are divided by your monthly income to get this ratio as well. Obviously, your household debt adds to your financial commitments and is also put into consideration by your lender.    

What’s A Good Debt-To-Income Ratio?

It’s ideal that you keep your ratio less than 36%. Your household ratio should be even lower than this. It’s great to be debt free, but in the real world, that’s not always possible. Your best bet is to be responsible with your finances and work on paying your debt down as much as you can. Then, little by little all of the critical numbers that are required to get a mortgage will fall into place.  


This Single-Family in Templeton, MA recently sold for $390,000. This Colonial style home was sold by Office Dimacale - Dimacale & Gracie Real Estate.

126 Brooks Road, Templeton, MA 01468


Sale Price

Full/Half Baths
Hip roof Colonial which is adjacent to the Templewood Golf Course! Still time to customize this beautiful new home with your choice of cabinetry, granite countertops, flooring, lighting, etc. This spacious Colonial has three bedrooms, 2.5 baths, a front bump out plus a two car garage. Open floor plan on the first floor including a front-to-back living room featuring a gas fireplace. Convenient first floor laundry in the half bath. The master bedroom has a tray ceiling, a walk-in closet and full bath. Two other generous sized bedrooms and a full bath on the 2nd floor. Enjoy the 12x14 deck off kitchen area overlooking the golf course. Two car garage with openers and a side door access. Attractive level and cleared lot. In an area of other new homes. Town Water. House will be completed in May. Other lots and house styles available on Brooks Road.

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This Single-Family in Ashburnham, MA recently sold for $252,000. This Ranch style home was sold by Office Dimacale - Dimacale & Gracie Real Estate.

96 Platts Road, Ashburnham, MA 01430


Sale Price

BACK ON MARKET!! Buyers financing fell through. AWAKEN EACH DAY TO sounds of birds coming from your very private back yard, bird feeders to enjoy.. Country kitchen, sun- drenched living room for afternoon sun, bedrooms, bath, vinyl sided, full basement with 2 unheated finished rooms. Superstor hot water. 1 car garage, over 600 road frontage. Over 3 ACRES OF LAND.

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Real estate market data is readily available to home sellers across the United States. With this information at your disposal, you should have no trouble maximizing the profits from your home sale.

Now, let's take a look at three real estate market data that every home seller needs to check out before listing a residence.

1. Prices of Comparable Houses

Let's face it – determining a competitive price for your house may prove to be difficult, regardless of your home's age or condition. Fortunately, if you analyze the prices of comparable residences in your city or town, you can better understand how your house stacks up against the competition and price it appropriately.

Furthermore, it may be beneficial to conduct a home appraisal prior to listing your house. This appraisal enables a home expert to assess your house both inside and out. Then, you'll receive an appraisal report that contains a property valuation, which may help you determine a competitive price for your house.

2. Prices of Recently Sold Houses

Are you preparing to enter a buyer's or seller's market? Review the prices of recently sold houses in your area, and you can find out whether the current housing market favors buyers or sellers.

If home sellers are receiving offers at or above their initial home asking prices, now may be an ideal time to list your residence. Thus, you may want to add your house to the real estate market sooner rather than later to capitalize on a housing sector that likely favors sellers.

Conversely, if home sellers are receiving offers below their initial home asking prices, you may want to allocate significant time and resources to find ways to improve your house. Because if you enhance your house's exterior and interior, you may be able to help your house stand out from the competition and increase the likelihood of a profitable home sale.

3. Average Amount of Time That a House Is Listed

Check out how long houses stay on the real estate market before they are sold – you'll be glad you did. With this housing market data in hand, you can assess the pulse of the real estate market and map out your home selling journey accordingly.

If you need help collecting or analyzing real estate market data, there is no need to worry. Hire a real estate agent today, and you can gain the insights that you need to make informed decisions throughout the home selling journey.

A real estate agent is a housing market expert who is happy to help you in any way possible. He or she will provide recommendations about how to price your house and improve your home's interior and exterior. Plus, a real estate agent is available to respond to any of your home selling concerns or questions, at any time.

Ready to list your home? Review the aforementioned housing market data, and you can obtain deep insights into the real estate sector prior to selling your house.