Bob Ramalho

Berkshire Hathaway - Verani Realty

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Bob Ramalho February 23, 2021

What Homeowners Must Do When Behind On Mortgage Payments

There are lots of homeowners who fall on rough times from time to time. For example, some people may be in the midst of changing jobs. Other people might be going back to school. When this happens, it can be hard for homeowners to keep up with their mortgage payments. Even though they might be thinking about waiting for the bank to do something, this would be the ultimate mistake. There are ways to handle late mortgage payments as long as homeowners reach out to the lender to discuss their … [Read more...]

Filed Under: Real Estate Tagged With: Late Mortgage, Mortgage Payment, Real Estate

Bob Ramalho January 26, 2021

Understanding The Role Of A Mortgage Prepayment Penalty Fee

When people take out a home loan, it is important to think carefully about how the home loan works. At first, the majority of the monthly payment is going to go towards interest. For example, it is not unusual for 90 percent of the monthly mortgage payments go toward interest during the first year. Then, during the latter part of the loan, most of the payment is going to go towards paying off the principal. Therefore, it should come as no surprise that a lot of homeowners are looking for ways to … [Read more...]

Filed Under: Real Estate Tagged With: Mortgage Fees, Mortgage Prepayments, Real Estate

Bob Ramalho January 15, 2021

Tips For Getting A Mortgage Application Approved

Right now, mortgage rates have fallen to rates that haven’t been seen in years. This opens the door for many people to apply for a mortgage that they previously may not have been able to afford. Sadly, not everyone who applies for a mortgage is going to be approved. There are a few steps that applicants can take to increase their chances of getting their mortgage application approved. Increase The Credit Score Applicants need to make sure that their credit scores are as high as possible … [Read more...]

Filed Under: Real Estate Tips Tagged With: Application Approval, Real Estate, Savings

Bob Ramalho December 30, 2020

Remove The Flood Insurance Risk From The Closing Process

Many homeowners do not realize that the risk of a flood is a significant factor that plays a role in not only homeownership but also the closing process. Even though flooding is a major risk, many homeowners do not carry enough coverage. Without proper flood insurance, homeowners risk losing millions of dollars. Therefore, it is prudent for those who are looking for a home to factor flood insurance into their home search. This can streamline the closing process down the road. Exploring Options … [Read more...]

Filed Under: Real Estate Tagged With: Insurance, Protecting Your Assets, 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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Verani Realty: (800) 392-2377

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Recent Articles

  • What’s Ahead For Mortgage Rates This Week – March 1, 2021
  • An Overview Of Private Mortgage Insurance
  • The Top Tips For Impressing A Potential Buyer At Showings
  • Case-Shiller Reports Home Prices Rise at Fastest Pace in 7 Years
  • What Homeowners Must Do When Behind On Mortgage Payments
  • What’s Ahead For Mortgage Rates This Week – February 22, 2021
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