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 March 9, 2020

What’s Ahead For Mortgage Rates This Week -March 9th, 2020

Home mortgage rates slipped to their lowest rates on record as uncertainty over the coronavirus continued to impact financial markets. Freddie Mac reported lower average mortgage rates for fixed and adjustable-rate mortgages. Rates for 30-year fixed-rate mortgages fell by 16 basis points to 3.29 percent; the average rate for 15-year fixed-rate mortgages was also 16 basis points lower at 2.79 percent. Mortgage rates for 5/1 adjustable-rate mortgages were two points lower on average at 3.18 … [Read more...]

Filed Under: Financial Reports Tagged With: Financial Reports, Interest Rates, Mortgage Rates

Bob Ramalho March 6, 2020

Ensuring Home Contractors Are Following The Rules Under HICPA

There are many homeowners who hire contractors to make repairs or upgrades on their homes. It is critical for home improvement contractors to follow all rules and regulations set forth by the law. These regulations have been set forth under the Home Improvement Consumer Protection Act, or HICPA.  An Overview Of The Home Improvement Consumer Protection Act The Home Improvement Consumer Protection Act was put forth to ensure that homeowners and contractors come to an appropriate agreement. … [Read more...]

Filed Under: Mortgage Tagged With: Home Construction, Home Repairs, Mortgage

Bob Ramalho March 5, 2020

How To Finally Become A Real Estate Investor This Year

Investing in real estate remains one of the best ways to accumulate wealth in America. There are six ways to get started in real estate investing. One way does not require any investment capital, just an investment of your time. Ways to get started include investing in a REIT, buying an incoming-producing property, using a buy-and-hold strategy, flipping houses, crowdfunding, and wholesale deals. Investing In A REIT A real estate investment trust (REIT) is an investment instrument that offers a … [Read more...]

Filed Under: Real Estate Tagged With: Market Trends, Real Estate, Real Estate Investment

Bob Ramalho March 4, 2020

3 Tips to Find the Best Neighborhood to Live In

The vast majority of people are going to move at least once in their life. Moves can vary in distance. Sometimes, these moves are across town. Other times, they might be across the country. Regardless of the distance, is important to find a neighborhood that fits both the budget and lifestyle. There are a few tips to keep in mind. 1. Consider Renting First Even though there are powerful electronic tools that can help a family narrow down their potential landing spots in a new city, it is … [Read more...]

Filed Under: Mortgage Tagged With: Cost of Living, Mortgage, Relocation

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