Bob Ramalho

Berkshire Hathaway - Verani Realty

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BoRam Contracting

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Bob has been a local business owner for over 30 years providing finish carpentry, custom staircases, and architectural woodwork for the residential and commercial building trades, as well as new home construction and remodeling. Bob understands the home buying/selling and building process and has a unique perspective with his new construction background.
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Bob Ramalho November 11, 2025

Honoring Veterans Day, and the Gift of Home

Today, we honor the brave men and women who have served our country with courage, strength, and selflessness. Your service allows us to enjoy the freedoms that make home and community possible. As a real estate professional, I am especially grateful for the role homeownership plays in the lives of veterans and their families. Owning a home is more than just having a place to live, it represents stability, pride, and belonging. The VA home loan program makes this dream more attainable, offering … [Read more...]

Filed Under: Real Estate Tagged With: Homeownership, Real Estate, Veterans Day

Bob Ramalho November 10, 2025

What’s Ahead For Mortgage Rates This Week – November 10th, 2025

With the government shutdown heading into a possible resolution, there were still delays on important data such as employment report releases. This has been somewhat relieved with the release of other reports that have been delayed in the past within the current government shutdown. This time we are looking at Consumer Sentiment reports by Univ. of Michigan, which has reported a record low in sentiment in the last 6 months amidst the government shutdown. This signifies growing consumer anxiety … [Read more...]

Filed Under: Financial Reports Tagged With: Financial Report, Jobless Claims, Mortgage Rates

Bob Ramalho November 7, 2025

Home Renovation ROI: Which Upgrades Add the Most Value to Your Property

Home renovations can be exciting, but not every project adds the same return on investment. Whether you are planning to sell soon or simply want to boost your property's value, understanding which upgrades offer the best payoff helps you make smart decisions. Strategic improvements can make your home more appealing to buyers and increase its long-term value. Kitchen Improvements That CountThe kitchen is often the heart of the home, and it is one of the first areas buyers notice. You do not have … [Read more...]

Filed Under: Real Estate Tips Tagged With: Home Improvement, Property Upgrades, Real Estate Tips

Bob Ramalho November 6, 2025

Understanding the Escrow Process in Real Estate Transactions

For many homebuyers, the term escrow can sound confusing or even intimidating. Yet escrow is one of the most important parts of a real estate transaction. It ensures that both the buyer and the seller are protected while the details of the sale are finalized. Understanding how escrow works can help you feel confident and informed every step of the way. What Escrow Means Escrow is a neutral third-party account used to hold funds and important documents during a real estate transaction. The escrow … [Read more...]

Filed Under: Real Estate Tagged With: Escrow Process, Home Buying Advice, Real Estate Tips

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Recent Articles

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