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 September 16, 2024

What’s Ahead For Mortgage Rates This Week – September 16th, 2024

The week for the Federal Reserve’s rate decision has finally come. This is the week everyone has been waiting which will decide whether we will see any rate cuts this year. There has been a lot of speculation that this will be the first rate cut and likely more in the future. With the Federal Reserve giving hints the data has been on track, the outcome of one seems very likely. With the previous week's CPI and PPI statistics coming in, which both were slightly warmer than expected, the … [Read more...]

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

Bob Ramalho September 13, 2024

How Buying or Selling a Home Benefits Your Community

When you think about buying or selling a home, your focus is often on the personal benefits, finding the perfect place to live, or getting a good return on your investment. However, these transactions do more than just impact your life; they also have a positive effect on the entire community. Here’s how buying or selling a home can benefit your local area. 1. Boosting the Local Economy Real estate transactions are a significant driver of economic activity. When you buy or sell a home, a … [Read more...]

Filed Under: Housing Market Tagged With: Buying A Home, Housing Market, Real Estate

Bob Ramalho September 12, 2024

Why You Should Focus on “Time in the Market^ Not “Timing the Market”

When it comes to real estate, one of the most common questions is, "When is the right time to buy?" Many potential homebuyers and investors spend a lot of energy trying to time the market, hoping to buy at the lowest possible price and sell at the highest. However, the reality is that predicting the perfect moment is nearly impossible. Instead, a more effective strategy is to focus on time in the market rather than timing the market. Here’s why. 1. Market Timing is Unpredictable The real … [Read more...]

Filed Under: Real Estate Tagged With: Real Estate Tps, Time in the Market, Timing the Market

Bob Ramalho September 11, 2024

Why Moving to a Smaller Home After Retirement Makes Life Easier

As retirement approaches, many people start to rethink their living situation. While the home where you raised your family holds countless memories, it might not be the most practical place to spend your golden years. Downsizing to a smaller home after retirement can make life easier in several ways, offering both financial and lifestyle benefits. Here’s why moving to a smaller home might be the right choice for you. 1. Lower Maintenance and Upkeep A smaller home requires less maintenance, … [Read more...]

Filed Under: Homebuyer Tips Tagged With: Downsizing, Real Estate, Retirement

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