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 July 18, 2025

From Search to Keys How Long Does Buying a Home Take

Buying a home is an exciting journey, but it can also feel overwhelming if you are not sure what to expect. One of the most common questions from homebuyers is how long the process takes from start to finish. The answer depends on several factors, but knowing the general timeline can help you plan and reduce stress. The Home Search PhaseFinding the right home can take anywhere from a few weeks to several months. This phase includes deciding what you want in a home, searching listings, attending … [Read more...]

Filed Under: Financial Reports Tagged With: Home Buyer Help, Home Buying Journey, Real Estate Tips

Bob Ramalho July 17, 2025

The Truth About Buying a Home with No Money Down

For many first-time homebuyers, the idea of purchasing a home with no money down sounds too good to be true. It is often advertised as a dream scenario, but the reality is more nuanced. There are options out there that allow for low or no down payment, but they come with specific requirements and considerations. Understanding these options can help you make a smart and informed decision as you plan your path to homeownership. Understanding No Money Down ProgramsThere are a few loan programs that … [Read more...]

Filed Under: Financial Reports Tagged With: First Time Buyer Tips, Homeownership Goals, No Down Payment

Bob Ramalho July 16, 2025

Beyond the Mortgage Payment What Homeownership Really Costs

Owning a home is a major milestone and a meaningful investment. It offers stability, personal freedom, and the chance to build equity over time. However, while many buyers focus on saving for the down payment and qualifying for a loan, there are additional expenses that often catch new homeowners off guard. Understanding the hidden costs of homeownership can help you prepare financially and avoid surprises. Property Taxes and InsuranceOnce you own a home, you are responsible for property taxes, … [Read more...]

Filed Under: Financial Reports Tagged With: Hidden Costs, Homeownership Tips, Smart Buyer

Bob Ramalho July 15, 2025

How to Tell If a Home Purchase Price Is Truly a Good Deal

Buying a home is one of the largest investments most people will make. It is exciting, but it can also feel overwhelming, especially when you are trying to decide whether the home you love is priced fairly. So how do you know if you are getting a good deal? The answer involves more than just looking at the listing price. Here are the key factors to consider. Compare Similar Homes in the AreaThe best way to evaluate a home’s value is to compare it to recent sales in the neighborhood. These … [Read more...]

Filed Under: Financial Reports Tagged With: Home Buying Tips, Real Estate Advice, Smart Buyer

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Recent Articles

  • From Search to Keys How Long Does Buying a Home Take
  • The Truth About Buying a Home with No Money Down
  • Beyond the Mortgage Payment What Homeownership Really Costs
  • How to Tell If a Home Purchase Price Is Truly a Good Deal
  • What’s Ahead For Mortgage Rates This Week – July 14th, 2025
  • Tips for Selling a Home with Small Bedrooms
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One Verani Way
Londonderry, NH 03053

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