Bob Ramalho

Berkshire Hathaway - Verani Realty

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BoRam Contracting

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Bob has been a local business owner for over 30 years providing finish carpentry, custom staircases, and architectural woodwork for the residential and commercial building trades, as well as new home construction and remodeling. Bob understands the home buying/selling and building process and has a unique perspective with his new construction background.
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Experienced • Competitive Commission Rate • Professional Photography Included for Sellers • 10 Moving Boxes with Supplies Included and for a limited time see you you can receive your $500.00.
*Commission Reduction at Closing.

Bob Ramalho April 14, 2023

A Home Equity Loan Versus A HELOC

If you are looking for a quick source of cash, you may have been told that you can tap into the equity in your home. If you have at least 20 percent equity in your home, you can borrow against that equity at a relatively low interest rate for a quick source of funding. You might be deciding whether to apply for a home equity loan or a home equity line of credit, which is usually shortened to HELOC.  Home Equity Loan A home equity loan is a loan that you will receive based on the equity you … [Read more...]

Filed Under: Real Estate Tagged With: HELOC, Home Equity, Real Estate

Bob Ramalho April 13, 2023

Moving From An Apartment To A House? Here’s What You Need To Remember About Your Lease

The major problem that the vast majority of buyers will run into - especially when purchasing their first home - has to do with a lease agreement that is still active with their apartment complex at the time of the purchase. If you locate the perfect home in February but your lease isn't over until August, you can't be expected to wait around. But at the same time, the remainder of that lease agreement could represent thousands of dollars that you'll be paying to essentially "live" in two … [Read more...]

Filed Under: Real Estate Tagged With: Landlord, Real Estate, Tenant

Bob Ramalho April 12, 2023

Pamper Your Pet With These Five Awesome Pet-friendly Home Upgrades

A great addition to many families is the beloved pet, but beyond the regular treats and pillows, there are plenty of ways to spoil your pet and let them know how much you love them. If you're looking for some neat concepts for your favorite pooch, here are some unique ideas you may want to try out. A Relaxing, Personal Place Many animals will gravitate towards your new couch, but by giving them their own special spot, you can make them happy and keep your living room looking great at the same … [Read more...]

Filed Under: Around The Home Tagged With: Around the Home, Homeowner Tips, Upgrades and Renovations

Bob Ramalho April 10, 2023

What’s Ahead For Mortgage Rates This Week – April 10, 2023

Last week's economic reporting included readings on construction spending and labor sector readings on employment and the national unemployment rate for March. Weekly readings on mortgage rates and jobless claims were also released. Commerce Department: February Construction Spending Falls The U.S. Commerce Department reported less construction spending in February than in January as construction spending fell by 0.10 percent to a year-over-year reading of $1.844 trillion for all types of … [Read more...]

Filed Under: Financial Reports Tagged With: Case Schiller, Financial Reports, Jobless Claims

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