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 December 12, 2016

What’s Ahead For Mortgage Rates This Week – December 12, 2016

As 2017 winds down, analysts are forecasting economic developments for 2017. Forbes identified three indicators that the U.S. housing market has recovered. Mortgage rates rose again last week; jobless claims fell and consumer sentiment jumped rose five points. The details: Housing Market Recovery Complete: Forbes Three conditions were cited by Forbes as evidence that the housing market has recovered: Analysts said that homeowners are putting their homes on the market after years of waiting for … [Read more...]

Filed Under: Mortgage Rates Tagged With: Mortgage Rates

Bob Ramalho December 9, 2016

Should You Pay Your Mortgage Bi-weekly or Monthly? Let’s Take a Look

Most homeowners look at their monthly mortgage payment as their largest cost per month, and something they must do to maintain a good credit history. However, you may have heard of bi-weekly mortgage payments and their ability to lower your debt load and help you pay off your mortgage more quickly. If you're wondering if bi-weekly payments are too good to be true, here's some information worth consideration. What Difference Does Bi-Weekly Make? Making a bi-weekly mortgage payment may seem to … [Read more...]

Filed Under: Home Mortgage Tips Tagged With: Home Mortgage Tips, Mortgage

Bob Ramalho December 8, 2016

4 Common Problems Home Sellers May Try to Hide

It's easy for buyers to fall in love with properties when they're looking at polished hardwood floors, new appliances or renovated kitchens. During open houses and showings, glamorous features get all the attention. However, these dream homes right away can be dangerous. Asbestos and electrical wiring are hard to get excited about, but ignoring them can be a financial disaster. Buyers risk serious costs and a huge amount of hassle if they don't do their research. It can be daunting for buyers to … [Read more...]

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

Bob Ramalho December 7, 2016

Winter’s Coming: Learn How to Prepare Your Plants, Trees and Other Landscaping

From the approaching holiday season to the New Year, there are a lot of things to prepare for when it comes to the winter. It's important, though, not to forget about the needs of your lawn for the upcoming cold season. If you're wondering how to ready your trees, your plants and your yard, here are some tips for saving your vegetation until the springtime. Fertilize For Grass Growth It might seem like a waste of time to fertilize your grass going into the winter months, but this is actually the … [Read more...]

Filed Under: Around The Home Tagged With: Around the Home, Homeowner Tips, Upgrades and Renovations

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