Bob Ramalho

Berkshire Hathaway - Verani Realty

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Bob Ramalho September 26, 2016

What’s Ahead For Mortgage Rates This Week – September 26, 2016

Last week's economic news was abundant with releases on home builder sentiment, housing starts, building permits, sales of previously owned homes. The Federal Open Market Committee of the Federal Reserve released its customary statement at the conclusion of its meeting; Fed Chair Janet Yellen also gave a press conference. Weekly readings on new jobless claims and mortgage rates were released as usual. NAHB: Builder Sentiment Increases in September Home builder confidence in housing market … [Read more...]

Filed Under: Mortgage Rates Tagged With: Home Sales, Mortgage Rates

Bob Ramalho September 23, 2016

Understanding Home Seller Disclosures and What Information You Need to Share When You Sell

When people buy a new home they have a right to be informed of the problems that they may face on the property and any issues that the home previously experienced. However, as a seller it can be difficult to know whether the required information is being disclosed. Nobody wants to appear misleading, especially when it can impact a sale, and making sure all the proper information is finding its way to the buyer is imperative to make the deal go through. What Needs To Be Disclosed? Disclosures are … [Read more...]

Filed Under: Home Seller Tips Tagged With: Home Seller Tips, Real Estate Tips, Selling A Home

Bob Ramalho September 22, 2016

Mortgage Myths: Here’s Why You Don’t Need a Full 20 Percent Down Payment

If you're just getting into the real estate market, you may have heard that 20% down is the ideal percentage in order to lower your monthly payments and get your mortgage application approved. However, while 20% is often suggested, many people struggle to come up with this amount of money. If you're staving off home ownership, here are some reasons you may not need to hold off as you long as you thought. Minimizing Your Insurance Costs Putting down 20% of the total purchase price of your home is … [Read more...]

Filed Under: Home Mortgage Tips Tagged With: Down Payments, Home Mortgage Tips, Mortgage

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