Bob Ramalho

Berkshire Hathaway - Verani Realty

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Bob Ramalho April 13, 2018

Over 5 Trillion Dollars In Home Equity May Lead To More Cash Out Transactions

US homeowners now have over 5 trillion dollars in home equity which is a very large amount of money! So this year may be the year for a lot of cash out refinances and other home equity mortgage products. Most often, when you are purchasing a home, you are buying at or below the appraised value and you are making a down payment. The good news is this means you have "instant equity" in your home. And over time you build more equity as you make your monthly mortgage payments as well as any … [Read more...]

Filed Under: Mortgage Tagged With: Cash Out, Home Equity, Mortgage

Bob Ramalho April 12, 2018

How The 2018 Tax Changes Can Affect Your Mortgage

When the chatter was at its peak on the 2018 tax law changes being proposed, one of the big areas of concern for homeowners was the elimination of the mortgage interest deduction. Right behind that issue was a similar treatment with regards to property tax deductions. As the rumors swirled and Congress moved, many feared both deductions had finally met their day and were going to be entirely eliminated, resulting in a major financial hit that many homeowners and particularly those in high real … [Read more...]

Filed Under: Mortgage Tagged With: Mortgage, Tax Deduction, Taxes

Bob Ramalho April 11, 2018

Tips For Home Buying In The Digital Age

The digital age has changed the way buyers browse for and purchase goods and services, including real estate. While home buyers still can check out property listings via a print newspaper or by driving through desired neighborhoods in hopes of finding a "for sale" sign, digital sources offer more options and can make the home buying process easier.  The National Association of REALTORS® (NAR) states in their 2017 Report: Real Estate in a Digital Age, that 44-percent of home buyers look … [Read more...]

Filed Under: Real Estate Tagged With: Digital Age, Real Estate, Technology

Bob Ramalho April 10, 2018

Green Technology To Reduce Your Home’s Carbon Footprint

When you are a homeowner looking to reduce your carbon footprint, there are a number of steps you can take to make your home earth-friendly. From passive solar heating to solar panels, you can make a difference in the impact your home has on the environment. Even when you aren't building a new home, changes can be made to an existing property to increase efficiency and reduce reliance on utility systems. Invest In Solar Power Solar panels are one of the most popular ways to reduce your carbon … [Read more...]

Filed Under: Mortgage, Real Estate Tagged With: Energy Savings, Real Estate, Solar

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