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.
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Bob Ramalho December 20, 2019

How Are Mortgage Rates Determined?

When someone is interested in buying a home, there are a number of factors that people need to consider. Some of these include the budget, the size of the home, and the mortgage interest rates.  The mortgage rate is going to play a tremendous role in whether or not someone is going to be able to afford their dream home. For this reason, it is critical for everyone to know how a mortgage rate is determined. There are a number of factors in someone's financial history that are going to impact … [Read more...]

Filed Under: Mortgage Tagged With: Market Conditions, Mortgage, Mortgage Rates

Bob Ramalho December 19, 2019

3 Traps First-Time Homebuyers Fall Into — And How To Avoid Them

When someone purchases their first home, this is a significant step. There are a number of issues that people need to think about because purchasing a home is typically someone's most significant investment. With this in mind, there are three common traps that first-time homebuyers often fall into. Fortunately, there are ways to avoid these traps as well. Looking At Homes Before Applying For A Mortgage Perhaps the biggest mistake that people make is that they look for homes before they apply for … [Read more...]

Filed Under: Real Estate Tagged With: Financing, First-Time Homebuyers, Real Estate

Bob Ramalho December 18, 2019

How Much Do I Need To Start Investing In Real Estate?

It is important for everyone to diversify their investments and one of the assets that people often look toward is real estate. In a healthy market, real estate should appreciate in value. It is often less risky than investing in individual stocks and can provide a much higher return on investment than a typical bank savings account or even a money market account. On the other hand, people often think that they require a large amount of money to even think about investing in real estate. This is … [Read more...]

Filed Under: Real Estate Tagged With: Crowdfunding, Investment Property, Real Estate

Bob Ramalho December 17, 2019

Should You Get A Second Mortgage To Pay For College?

College is expensive and everyone needs to think about how they are going to cover the costs. Some of the costs include tuition, room and board, meals, books, and spending money. In order to pay for college, some people consider taking out a second mortgage instead of taking out a student loan. How can someone know if taking out a second mortgage is the answer for them? There are several factors to consider. The Interest Rate One of the factors that people need to consider is the interest rate … [Read more...]

Filed Under: Mortgage Tagged With: College Expense, Mortgage, Refinance

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