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 May 8, 2017

What’s Ahead For Mortgage Rates This Week – May 8, 2017

Last week's economic news included readings on construction spending, the post-meeting statement by the Fed's Open Market Committee and labor-related reports including ADP payrolls, Non-farm payrolls and the national unemployment rate. Weekly readings on new jobless claims and mortgage rates were also released. Fed Rate Unchanged, Mortgage Rates Hold Steady Federal Reserve policymakers did not change the target federal funds rate, which ranges from 0.75 to 1.00 percent. In its usual post-meeting … [Read more...]

Filed Under: Mortgage Rates Tagged With: Mortgage Rates

Bob Ramalho May 5, 2017

Til’ Debt Do Us Part: How to Get a Mortgage If One Spouse Has A Poor Credit Score

A poor credit history is a reality for many people, but it can be particularly daunting when it comes to investing in a house. Fortunately, simply because you or yours have experienced bad credit doesn't mean that you should be penalized in the future. If your spouse has struggled with bad credit in the past but you're both preparing to move forward and invest in a home, here are some tips for getting it together financially. Face The Music Many people who have bad credit are too scared to take … [Read more...]

Filed Under: Home Mortgage Tips Tagged With: Home Mortgage Tips, Mortgage, Mortgages and Credit

Bob Ramalho May 4, 2017

Three Ugly, Dated Design Features That You Need to Get Rid of Before You Sell Your Home

There are a lot of inexpensive renovations that can easily improve the value of your home, but you might not be aware of dated features that are working against you and aging its look. If you're ready to put your home on the market and are wondering what types of design will downgrade your home's appeal, here are a few things you may want to consider upgrading or discarding before planning your first open house. Bright Accent Walls While brightly colored paint can certainly enhance a room if … [Read more...]

Filed Under: Home Seller Tips Tagged With: Home Seller Tips, Selling A Home, Upgrades and Renovations

Bob Ramalho May 3, 2017

Suffering in a ‘Low Inventory’ Real Estate Market? 3 Helpful Tips for Finding a Home to Buy

Many homebuyers struggle with finding a home that is within their price range, but many of those perusing the market also struggle when it comes to the search. If you're currently in the real estate market and are having difficulty finding a good selection of homes, here are some ways to expand your search so you can find an opportunity you're prepared to invest in. Look Over The Old Listings Whether you do it on your own or enlist the help of your real estate agent, it's worth looking through … [Read more...]

Filed Under: Home Buyer Tips Tagged With: Buying A Home, Home Buyer Tips, Real Estate Tips

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