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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Bob Ramalho December 13, 2021

What’s Ahead For Mortgage Rates This Week – December 13, 2021

Last week’s economic reporting included readings on job openings and quits, month-to-month and year-over-year readings on inflation,  and the University of Michigan’s preliminary consumer sentiment survey for December. Weekly readings on mortgage rates and jobless claims were also released Job Openings Increase as Quits Decrease as Inflation Remains High The U.S. Labor Department reported that workers quit their jobs at record levels in October as job openings rose to 11 million … [Read more...]

Filed Under: Financial Reports Tagged With: Case Shiller, Financial Report, Jobless Claims

Bob Ramalho December 10, 2021

The Three R’s Of Fixing Historic Homes For Sale

If you enjoy history and fixing things, then it may be hard to drive by historic homes for sale without feeling the urge to buy one and fix it up.  Before you do, you need learn the three R's of fixing up historic homes and the differences between them. The three R's of fixing up historic homes are restoration, renovation and repair.  Some of the differences are minor, but they can make all the difference in cost, time and problems. Restoration "Restoration" literally means returning … [Read more...]

Filed Under: Homebuyer Tips Tagged With: Fixer-Upper, Historic Homes, Homebuyer Tips

Bob Ramalho December 9, 2021

$500 Renovations That Will Boost Your Home’s Value and Speed Up Your Sale

The idea of home renovations when you're selling your home can be unpopular because of the cost and time that can go into sprucing up a place you're about to leave behind. However, making a few simple, economical touches can go a long way to capitalizing on your home's value and making a difference in dollars. If you're curious about cheap options for an easier sale, here are a few that may make the deal a little sweeter. Kick Up The Kitchen A Notch With all of the time that a family spends in … [Read more...]

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

Bob Ramalho December 8, 2021

Qualifying For A Mortgage Credit Certificate

Purchasing a house can be expensive, but there are measures in place to make it easier, particularly for people buying a home for the first time. One option is a mortgage credit certificate. What is the certificate, and how does it work? A Mortgage Certificate Is A Tax Credit A mortgage credit certificate, usually shortened to MCC, is a credit issued to first-time homebuyers by the local or state government. This certificate allows first-time homeowners to claim a federal tax credit for mortgage … [Read more...]

Filed Under: Real Estate Tips Tagged With: Mortgage Certificate, Real Estate, Tax Credit

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