Bob Ramalho

Berkshire Hathaway - Verani Realty

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Bob Ramalho December 29, 2022

Owning vs Renting: Why High Rents Are Worse Than a Mortgage over the Long Term

If you're at the stage in life where home ownership is nearly within your reach, you're probably wondering whether you should start looking for a home or whether you should just keep renting. Renting is easier, people say, and it gives you more mobility. But over the long term, all that rent money can really add up - and it eventually reaches a point where buying a home is a better deal. So why is paying a high rent a worse option than buying a house and getting a mortgage? Here's what you need … [Read more...]

Filed Under: Real Estate Tagged With: Home Mortgage Tips, Real Estate, Renting

Bob Ramalho December 28, 2022

How To Finance A Home Renovation

The housing market continues to be very competitive, so you may have to be a bit more flexible with what you are looking for. For example, you may come across a home that is not quite perfect, but it has a lot of the features that you need. In that case, you may be wondering how you can finance a home renovation. One of the best ways to do so is using the FHA Streamline 203(k) program.  What Can The FHA Streamline Program Finance? There are several examples of home renovations you may be … [Read more...]

Filed Under: Real Estate Tagged With: 203K, Real Estate, Renovation

Bob Ramalho December 27, 2022

The Top Tips For Making A Successful Offer

Are you interested in purchasing a house? If so, you probably know that the market is more competitive today than it has ever been in the past. There are a lot of people who are interested in purchasing a home, and you need to take a few extra steps if you want to make your offer as competitive as possible. What do you need to do if you want to maximize the chances of having your offer accepted? Make An Offer Early If you want to increase your chances of getting your offer accepted, you … [Read more...]

Filed Under: Real Estate Tagged With: Buying A Home, Making an Offer, Real Estate

Bob Ramalho December 26, 2022

What’s Ahead For Mortgage Rates This Week – December 26, 2022

Last week’s economic scheduled economic news included readings on sales of previously-owned homes, housing starts,  and building permits issued. Readings on the Consumer Price Index, which tracks inflation, were also released along with weekly readings on mortgage rates and jobless claims. Sales of previously-owned homes fall in November The National Association of Realtors® reported fewer sales of previously-owned homes in November than in October. 4.09 million previously-owned … [Read more...]

Filed Under: Financial Reports Tagged With: Financial Report, Jobless Claims, Mortgage Rates

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