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 October 15, 2020

Taking A Closer Look At Home Improvement In 2020

When it comes to home improvement in 2020, many people are spending more time in their homes than they ever have in the past. With kids attending school from home and people working from home, many homeowners are looking at ways to potentially improve the qualities of their homes through home improvement projects. With fall right around the corner, it is a great idea to take a closer look at some projects that can help homeowners stay safe while also saving money this winter. Do Not Neglect The … [Read more...]

Filed Under: Real Estate Tips Tagged With: Home Improvement, HVAC, MortgageTips

Bob Ramalho October 14, 2020

Buying a Home? 4 Steps You Can Take to Ensure You Start out with a Low Monthly Mortgage Payment

Are you thinking about buying a new house or condo? If so, you've likely given some thought to your mortgage and as to how you can pay as little as possible in order to own your new home. Below we'll share four easy steps that you can take to ensure you start out with an affordable monthly mortgage payment. Make A Large Down Payment On Your Home The easiest way to reduce your monthly payment is to invest as much as possible in your down payment. The less you have to borrow, the less you'll be … [Read more...]

Filed Under: Home Mortgage Tips Tagged With: Mortgage Financing, Mortgage Loan Information, Mortgages

Bob Ramalho October 13, 2020

How Much House Is Too Much House: A Mortgage Calculation Guide

When it comes to finding a home, this is an exciting time. Many people love looking at houses; however, the reality is that people also need to think carefully about how much house they can actually afford. Buying a home is a big decision and for many people this is going to be the most expensive purchase they ever make in their lives. Therefore, it is important to take the time to get this decision right. There are plenty of ways for people to calculate how much house they can actually afford. … [Read more...]

Filed Under: Home Buying Tips Tagged With: Affordability, Budgets, New Home

Bob Ramalho October 12, 2020

What’s Ahead For Mortgage Rates This Week – October 12, 2020

Last week’s economic reporting included readings on inflation,  job openings, a speech by Fed Chair Jerome Powell on the economy, and the latest Consumer Sentiment Index from the University of Michigan. Weekly reports on new and continuing jobless claims and mortgage rates were also released. Hiring Surge and Job Separations Ease in August The U.S. Department of Labor reported fewer job openings in August with 6.49 million job openings reported as compared to July’s reading of … [Read more...]

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

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