Bob Ramalho

Berkshire Hathaway - Verani Realty

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Bob Ramalho April 23, 2019

4 Ways To Pay Off My Mortgage Faster

For most people, the mortgage payment is the biggest monthly expense. Whether you're facing retirement or still working, it would be nice to be free of this debt. Although you probably can't pay it off in one lump sum, it is possible to pay off your mortgage sooner than expected. Here are four strategies to try. 1. Make Bi-Weekly Payments You could shave eight years off a 30-year mortgage simply by breaking down your monthly payments into two payments instead of one. You'll pay the same amount … [Read more...]

Filed Under: Mortgage Tagged With: Budget, Financing, Mortgage

Bob Ramalho March 15, 2019

Down Payment Money Saving Mistakes

Are you saving up money for a down payment? Saving money to put down on a home is always a smart idea, but there are right ways and wrong ways to go about it. Understanding how to best save for a down payment will go a long way toward ensuring you're ready when you finally find the house of your dreams. Here are four down payment money saving mistakes to avoid. 1. Not Saving Enough It's very admirable to have a goal of saving exactly 20% for a down payment. However, this is a common mistake new … [Read more...]

Filed Under: Real Estate Tagged With: Budget, Down Payment, Real Estate

Bob Ramalho March 7, 2019

8 Ways To Maintain A Great Credit Score

Having an excellent credit score is very useful. The following are some tips on how to maintain a superb credit score. Open Credit Accounts When You Do Not Need Them If you don't have any credit accounts, you will have a low score. The best time to open them is when you do not need them. Keep a small balance on them and pay it all off at the end of each month to avoid paying interest. Charge Up To Half The Credit Limit Then Pay It All Back Within A Few Months If you must use a credit line, only … [Read more...]

Filed Under: Mortgage Tagged With: Budget, Credit Score, Mortgage

Bob Ramalho January 18, 2019

5 Home-Buying Pitfalls To Avoid

Buying your home can be nerve-racking, especially if it's the first time. The buying process is exciting and often complex. The chances of making a mistake are relatively high.  In today's real estate market where demand surpasses supply, you can't afford to make mistakes. And this is just the tip of the iceberg. If you are in the market to buy a house, here are five pitfalls avoid.  Not Doing Your Homework Well  Fortune favors the prepared in real estate. And preparedness begins … [Read more...]

Filed Under: Real Estate Tagged With: Budget, Pre-Approval, Real Estate

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Bob

Bob Ramalho


REALTOR ®
Cell: 603-440-3697
Office: 800-392-2377
Email: bob.ramalho@verani.com
NH License #067453
MA License #9550545

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Recent Articles

  • An Overview Of Private Mortgage Insurance
  • The Top Tips For Impressing A Potential Buyer At Showings
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  • What Homeowners Must Do When Behind On Mortgage Payments
  • What’s Ahead For Mortgage Rates This Week – February 22, 2021
  • Do You Need Mortgage Insurance Even If It’s Not Required By Your Lender? Let’s Take A Look
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