Bob Ramalho

Berkshire Hathaway - Verani Realty

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Bob Ramalho September 30, 2022

The Minimum Credit Score For VA Home Loan Approval: What To Know

When you are applying for a home loan, you need to make sure that you meet the minimum credit score requirements. If you decide to go with a traditional loan, the credit limit can be high, making it hard to qualify for a home loan. In contrast, you might be able to qualify for a VA home loan with a much lower credit score. What do you need to know? The VA Does Not Have A Minimum Credit Score Requirement One of the major benefits of applying for a VA home loan is that you do not need to worry … [Read more...]

Filed Under: Real Estate Tagged With: Credit Score, Real Estate, VA Loans

Bob Ramalho September 28, 2022

Baby on the Way? Learn How to Child-proof Your Home so Your Baby Is Safe From Harm

Do you have a baby on the way? If so, you are likely already wondering how you are supposed to make your home safe from harm. The good news is that with a little work, you'll be able to make your house or apartment that much safer. Let's take a look at how you can child-proof your home in under a few hours. Start With The Baby's Bedroom  For the first few months, your baby will be spending a lot of time either sleeping or resting in their crib. You'll want to keep the crib away from any … [Read more...]

Filed Under: Around The Home Tagged With: Around the Home, Homeowner Tips, Upgrades and Renovations

Bob Ramalho September 27, 2022

How Can A Cash-Out Refinance Help You?

If you have been in your home for a while, you might be able to refinance. If your credit score has increased, your income has gone up, or the average home loan interest rate has gone down, you might be able to conduct a cash-out refinance. During this process, you can keep your mortgage payments the same, secure a lower interest rate, and withdraw the difference as cash. What can you do with this extra cash?  You Can Make Improvements To Your Home One of the most popular ways people use a … [Read more...]

Filed Under: Real Estate Tagged With: Cash Out Refi, Existing Debt, Real Estate

Bob Ramalho September 26, 2022

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

Last week’s economic reporting included readings on housing markets, building permits issued, housing starts, and sales of previously-owned homes. The Federal Reserve released its scheduled monetary policy statement and gave a  press conference with Fed Chair Jerome Powell. Weekly readings on mortgage rates and jobless claims were also published. NAHB: Home Builder Confidence In Housing Markets Lags for 9th Consecutive Month The National Association of Home Builders reported lower … [Read more...]

Filed Under: Financial Reports Tagged With: Case Shiller, Financial Report, Jobless Claims

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