Bob Ramalho

Berkshire Hathaway - Verani Realty

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Bob Ramalho January 2, 2026

New Year Resolutions for Homebuyers and Homeowners

A new year is the perfect time to reset goals and make smart plans. If buying, selling, or improving a home is on your radar this year, the right resolutions can make a real financial impact. Here are a few realistic New Year resolutions that directly support real estate success for both homebuyers and homeowners: Improve Your Credit ProfileFor buyers, credit score plays a major role in loan options and interest rates. Even small improvements can lead to meaningful savings over time. Start the … [Read more...]

Filed Under: Holidays Tagged With: Home Ownership, New Year Home Goals, Real Estate Resolutions

Bob Ramalho December 31, 2025

The Five Signs You Are Financially Ready for Homeownership

Buying a home is a major milestone, and knowing when you are truly ready can give you confidence throughout the entire process. Many future homebuyers wonder if their finances are strong enough or if they should wait another year. The truth is that homeownership readiness is less about perfection and more about preparation. When several key financial indicators line up, you can move forward with clarity, confidence, and a sense of stability. You Have Steady, Reliable IncomeLenders want to see … [Read more...]

Filed Under: Home Buying Tips Tagged With: First Time Buyers, Home Ownership, Mortgage Tips

Bob Ramalho May 7, 2025

How to Keep Your Purchase on Track And Overcoming Home Buying Delays

Buying a home is one of the most exciting milestones in life, but it’s also a process that can sometimes come with unexpected delays. Whether it’s financing hiccups, inspection issues, or paperwork snags, knowing how to keep your purchase on track can make a huge difference. Here’s what you can do to stay proactive and keep moving forward toward your dream home. Get Pre-Approved, Not Just Pre-QualifiedOne of the first steps to avoid delays is getting pre-approved for your … [Read more...]

Filed Under: Home Buying Tips Tagged With: First Time Buyer, Home Ownership, Real Estate Advice

Bob Ramalho May 6, 2025

Why Timing Your Home Purchase Right Matters More Than You Think

For many people, buying a home is one of the most significant financial decisions they’ll make in their lifetime. It’s easy to get caught up in the excitement of home shopping, but it’s crucial to consider more than just the aesthetic appeal of a property. Timing is everything, especially in the world of mortgages. If you’re thinking about buying a home, it’s essential to understand how timing can impact your mortgage rate and overall purchasing power. Whether … [Read more...]

Filed Under: Home Buying Tips Tagged With: Home Ownership, Mortgage Rates, Real Estate Advice

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