Bob Ramalho

Berkshire Hathaway - Verani Realty

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Bob Ramalho May 10, 2022

The Pros and Cons of ‘Mortgage Before Marriage’ for Young Couples

There was a time when a higher percentage of people were married before they committed to buying a home together, but it's a lot more common to co-habit and invest in a home together. If you're considering the commitment of a mortgage without being married, here are some things to be aware of before you start searching the market. Relationship Status Won't Affect Your Rates It might seem like there are greater risks involved if two individuals purchasing a property are not legally bound, but it … [Read more...]

Filed Under: Real Estate Tips Tagged With: New Home, Real Estate, Real Estate Tips

Bob Ramalho April 5, 2022

The Top Ways To Use Home Equity

Equity is a powerful tool. As homeowners pay off the mortgage, the amount of equity in the house grows. As the house appreciates in value, homeowners accrue even more equity. Then, homeowners can tap into this equity for a variety of purposes. What are a few of the ways homeowners might be able to use this equity?  Purchase A New House One of the top ways homeowners can use the equity in their existing home is to purchase a house that better suits their needs. Even though homeowners may … [Read more...]

Filed Under: Real Estate Tips Tagged With: Equity, Real Estate Tips, Renovations

March 17, 2022

How Negative Closing Costs Work

If you want to save money on your home loan, you might be thinking about refinancing your mortgage. You might be able to replace your existing mortgage with a home loan that has a lower interest rate. Even a single point reduction in your interest rates could save you tens of thousands of dollars over the life of your loan. Before you refinance, be sure to ask about closing costs. Because you are replacing your existing home loan with a new one, you may incur some closing expenses. On the other … [Read more...]

Filed Under: Real Estate Tips Tagged With: Closing Costs, Mortgages

Bob Ramalho February 2, 2022

7 Quick And Inexpensive Ways You Can Improve Your Home’s Curb Appeal

We have all  heard the saying, "You never get a second chance for a first impression?" If you are selling your home, it is important to appreciate the significance a first impression has on your potential buyer. When buyers drive up to your property and take their first look at your home, they will instantly be forming ideas about your house and how it might fit for their family. When you are trying to entice a buyer to make an offer on your house, you must consider the curb appeal - how … [Read more...]

Filed Under: Real Estate Tips Tagged With: First Impression, Higher Sales Price, Improve Curb Appeal

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