Bob Ramalho

Berkshire Hathaway - Verani Realty

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Bob Ramalho December 13, 2024

How to Buy a Home if You Owe Taxes

If you're considering buying a home while dealing with unpaid taxes, you might be wondering how your tax debt affects your mortgage approval. The good news is, it is possible to buy a home even if you owe taxes. Here’s what you need to know about how owing taxes can impact your homebuying process. How Owing the IRS Affects Buying a Home You might not need to wait until your tax debt is completely paid off to apply for a mortgage. It’s important to speak with a loan officer who can … [Read more...]

Filed Under: Taxes Tagged With: Buy A Home, Mortgage Tips, Tax Debt

Bob Ramalho December 12, 2024

How Single Moms Can Achieve Homeownership with First-Time Homebuyer Grants

Owning a home is an important goal for many people, and as a single mom, it can sometimes feel like a distant dream. But the reality is that homeownership is more achievable than you might think, especially when you know about the financial resources and programs available to you. First-time homebuyer grants, special loan programs, and down payment assistance can help you overcome the financial barriers that might otherwise stand in your way. Here's what single moms should know about these … [Read more...]

Filed Under: Homeowner Tips Tagged With: Homebuying Tips, Real Estate Tips, Single Mom Homebuyers

Bob Ramalho December 11, 2024

Should You Sell Your Home As-Is or Invest in Repairs?

When preparing to sell your home, one critical decision you’ll face is whether to sell it as-is or invest time and money into repairs and updates. The right choice depends on your unique situation, but understanding the implications of each approach can help you make an informed decision. The Current Market Landscape According to a study by the National Association of Realtors (NAR), 61% of home sellers completed at least minor repairs before listing their property. On the other hand, 39% … [Read more...]

Filed Under: Home Care Tips Tagged With: As Is Sale, Home Selling, Real Estate Tips

Bob Ramalho December 10, 2024

Top 5 Tips to Efficiently Conserve Heat in Cooler Weather

As the temperatures drop, keeping your home warm without drastically increasing your energy costs is a priority for many homeowners. Fortunately, there are simple yet effective strategies that can help you conserve heat while enhancing your home’s energy efficiency. By following these tips, you can maintain a comfortable indoor temperature, reduce your heating bills, and do your part to minimize your environmental impact. 1. Seal Doors and Windows One of the easiest and most effective ways … [Read more...]

Filed Under: Home Care Tips Tagged With: Energy Efficiency, Home Heating, Sustainable Living

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