Bob Ramalho

Berkshire Hathaway - Verani Realty

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Bob Ramalho May 17, 2018

Financing Your Solar Roof

Going solar can make life sunnier for some homeowners. In addition to reducing energy dependence by "borrowing" energy directly from the sun, purchasers may also enjoy a 30 percent federal Solar Investment Tax Credit and other incentives, according to SEIA. Solar roofing can boost a home's equity in some cases, while making it more attractive to future buyers in sun-drenched parts of the country. Best of all, financing that solar roof may be a more attainable goal than homeowners think. … [Read more...]

Filed Under: Mortgage Tagged With: Financing, Mortgage, Solar

Bob Ramalho May 16, 2018

Ensuring A Stress-Less Closing

Buying a home is an exciting and exhilarating time. Between the time your offer is accepted, and when you finally have keys in hand and you are ready to step into your new home, it can be stressful. The escrow period, also known as the closing, can take the most easygoing home buyer to the brink of insanity. After you have negotiated your best price and come to an agreement, there are ways to make the escrow process less anxiety-provoking. Here are some tips from top real estate agents to help … [Read more...]

Filed Under: Mortgage Tagged With: Escrow, Mortgage, Stress Relief

Bob Ramalho May 15, 2018

5 Ways Millennial Buyers Can Snag Their Dream Home In This Sellers Market

According to the 2017 Home Buyer and Seller Generational Trends Report, Millennials bought 34% of the homes sold; the largest of any generation last year.  Millennials looking to buy their first, or second, home need to ready themselves for a surprisingly competitive market. Lack of supply causes attractive homes to garner multiple offers in just a few hours! What can a Millennial buyer do to appeal to sellers and be the one who ends up with the home? Here are 5 ways they can snag … [Read more...]

Filed Under: Mortgage Tagged With: Millenials, Mortgage, Pre-Approval

Bob Ramalho April 25, 2018

Should You Pay Discount Points When You Get Your Mortgage?

One of the challenges you will face when deciding how much money to put down on your new home is whether to put down a larger down payment or to take a bit of money from your down payment and use it to buy "discount points" to lower your interest rate. There are pros and cons to doing both and each borrowers situation will be different so it's important to understand which option is best for your individual situation. Some factors you should consider include: Cost of borrowing - generally … [Read more...]

Filed Under: Mortgage Tagged With: Discount Points, Mortgage, Tax Deduction

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