Bob Ramalho

Berkshire Hathaway - Verani Realty

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Bob Ramalho November 21, 2025

Understanding the Risks of Buying a Home With a History of Flooding

A home can look beautiful on the surface, but a past flooding event can create long term challenges that buyers need to understand. If you are considering a property with any history of water intrusion, taking time to learn the risks can protect your safety, your finances and your peace of mind. Why Past Flooding MattersEven if the home has been repaired, a flooding event can leave behind hidden problems. Water exposure may weaken structural elements, damage electrical systems or create long … [Read more...]

Filed Under: Home Buying Tips Tagged With: Flood Risk, Home Buying Tips, Real Estate Education

Bob Ramalho November 19, 2025

Understanding the Different Types of Home Foundations

When buying or selling a home, the foundation is one of the most important yet overlooked elements. It supports the structure, affects durability, and can influence everything from comfort to resale value. As a real estate agent, I often remind clients that understanding the type and condition of a home's foundation can help them make informed choices and avoid costly surprises later on. Slab FoundationsA slab foundation is one of the most common types of foundations used in modern construction. … [Read more...]

Filed Under: Home Buying Tips Tagged With: Home Buying Tips, Home Foundations, Real Estate Education

Bob Ramalho October 31, 2025

What to Do If Your Home Appraisal Comes in Low

Home appraisals are a crucial step in the home buying process. It determines the property's fair market value and helps lenders decide how much money to loan for the purchase. Ideally, the appraisal matches or exceeds the agreed-upon purchase price. However, when the appraisal comes in lower than expected, it can cause stress for both buyers and sellers. Knowing how to handle this situation calmly and strategically is key to keeping the deal on track. Why Appraisals Come in LowA low appraisal … [Read more...]

Filed Under: Home Buying Tips Tagged With: Home Appraisals, Home Purchase Tips, Real Estate

Bob Ramalho October 24, 2025

How to Compete Against Cash Buyers and Win

In today’s competitive real estate market, buyers often find themselves going up against all cash offers. It can be discouraging to see a dream home slip away to someone who can pay outright. However, buyers who use financing still have powerful ways to compete, and win, when they approach the process strategically. Get Preapproved, Not Just PrequalifiedA mortgage prequalification is a good starting point, but a full preapproval shows sellers that your financing is solid. It demonstrates … [Read more...]

Filed Under: Home Buying Tips Tagged With: Buyer Strategy, Home Buying Tips, Mortgage Pre-Approval

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Recent Articles

  • Understanding the Risks of Buying a Home With a History of Flooding
  • Understanding What It Means to Sell Your Home Through a Short Sale
  • Understanding the Different Types of Home Foundations
  • Real Estate and Education: How School Districts Affect Property Values
  • What’s Ahead For Mortgage Rates This Week – November 17th, 2025
  • Aging Homes, and Why Buyers Need to Factor Updates Into Their Budgets
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