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 January 27, 2021

Inspect And Maintain Your Garage

In most parts of the country, garages are especially appreciated at this time of year. Even if you don't live in a colder climate, it's important to do an annual inspection and routine maintenance to keep everything in working order. Make sure yours is doing its job well by following the care tips below. Check The Tracks You'll want to make sure the garage door can go up and down smoothly. Get your leaf blower and blow any cobwebs, bugs or leaves from the track. With older doors, you'll also … [Read more...]

Filed Under: Around The Home Tagged With: Around the Home, Home Maintenance, Homeowner Tips

Bob Ramalho January 26, 2021

Understanding The Role Of A Mortgage Prepayment Penalty Fee

When people take out a home loan, it is important to think carefully about how the home loan works. At first, the majority of the monthly payment is going to go towards interest. For example, it is not unusual for 90 percent of the monthly mortgage payments go toward interest during the first year. Then, during the latter part of the loan, most of the payment is going to go towards paying off the principal. Therefore, it should come as no surprise that a lot of homeowners are looking for ways to … [Read more...]

Filed Under: Real Estate Tagged With: Mortgage Fees, Mortgage Prepayments, Real Estate

Bob Ramalho January 25, 2021

What’s Ahead For Mortgage Rates This Week – January 25, 2021

Last week’s economic reporting included readings from the National Association of Home Builders Housing Market Index, along with Commerce Department readings on housing starts and building permits issued. The National Association of Realtors® reported on sales of previously-owned homes; weekly readings on mortgage rates and jobless claims were also released. NAHB: Home Builders’ Housing Market Index Falls in January Homebuilder confidence in housing market conditions fell three … [Read more...]

Filed Under: Financial Reports Tagged With: Financial Report, Jobless Claims, Mortgage Rates

Bob Ramalho January 22, 2021

How To Stretch Home Improvement Dollars The Most

There are lots of homeowners who are looking for a way to improve the quality of their home while also increasing the value of their property. Unfortunately, a lot of home improvement ideas can be prohibitively expensive. It is not unusual for homeowners to spend six figures on a renovation project. On the other hand, there are also home improvement ideas that will not break the bank. What are a few of the top ideas that homeowners should consider?  Start With A Few Quality Ceiling Fans … [Read more...]

Filed Under: Real Estate Tips Tagged With: Around the Home, Ceiling Fans, In the Yard

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