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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Experienced • Competitive Commission Rate • Professional Photography Included for Sellers • 10 Moving Boxes with Supplies Included and for a limited time see you you can receive your $500.00.
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Bob Ramalho May 23, 2025

Inspecting Foreclosures Before You Buy

If you have been thinking about investing in a foreclosure property, you will want to make sure the home you choose does not have major hidden issues. Before hiring a professional inspector, you can do a preliminary check by looking out for some of these common problem areas: CeilingsCeilings are typically made of plaster or plasterboard. Keep an eye out for: Cracks, holes, or uneven areas Dampness or mold growth Crumbling surfaces Bulging or cracked spots WallsWalls may show similar signs of … [Read more...]

Filed Under: Real Estate Tips Tagged With: Foreclosure Tips, Home Buying Help, Real Estate Advice

Bob Ramalho May 22, 2025

Should You Get a 15-Year Mortgage?

There are a lot of financing options available to help you purchase real estate, especially if you meet credit guidelines. Most lenders prefer to offer 30-year mortgage loans. With a longer loan term, they collect more money in interest over the life of the loan, but if you have strong credit, a 15-year mortgage may be a better option, and one worth considering. Here's a breakdown of the two: What About a 30-Year Mortgage?Thirty-year mortgages are the most common option for homebuyers. Monthly … [Read more...]

Filed Under: Mortgage Tips Tagged With: 15 Year Mortgages, Home Buying Advice, Mortgage Tips

Bob Ramalho May 21, 2025

What Do Points Have to Do With Real Estate?

You may have heard of points when looking for real estate. Maybe your loan officer told you that you can trade points for a better interest rate. That sounds good, but just what are points? We'll give you a better idea of just what points are and how they work. What Are Points?Points, more specifically discount points, are a percentage of the total loan amount for the house that is pre-paid to the lender. Each point is worth one percent. Your lender may offer a lower interest rate for your … [Read more...]

Filed Under: Real Estate Tips Tagged With: Discount Points, Mortgage Tips, Real Estate 101

Bob Ramalho May 20, 2025

How To Save Money Moving Into Your New Home

Moving into a new home is exciting, but it can also come with unexpected expenses that quickly add up. Between packing supplies, transportation, and time off work, costs can spiral before you even settle in. But with a bit of planning and resourcefulness, you can cut down on unnecessary spending and keep more cash in your pocket.Plan Ahead and Get CreativeThe key to saving money during a move is preparation. Start gathering your moving supplies weeks in advance. The closer you get to moving day, … [Read more...]

Filed Under: Home Buyer Tips Tagged With: First Time Home Buyer, Home Buying Help, Moving Tips

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Recent Articles

  • Inspecting Foreclosures Before You Buy
  • Should You Get a 15-Year Mortgage?
  • What Do Points Have to Do With Real Estate?
  • How To Save Money Moving Into Your New Home
  • What’s Ahead For Mortgage Rates This Week – May 19th, 2025
  • Understanding the Process of Selling a Home Through a Power of Attorney
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