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 3, 2016

‘Free Pizza for Life’ and Other Crazy Home Sales Gimmicks from Across the Nation

With the real estate market going through constant fluctuations, it can sometimes be a matter of strife to sell a home. Some will take the familiar road of staging and hope the offers come in, while others will do some crazy things to prove their home is worth buying. While you may not want to take the risk of making these bold moves yourself, here are the unusual things that some people did in hopes of getting their home off the market a little sooner. The Perk Of Added Incentives While there … [Read more...]

Filed Under: Home Seller Tips Tagged With: Home Seller Tips, Selling A Home

Bob Ramalho May 2, 2016

What’s Ahead For Mortgage Rates This Week – May 2, 2016

Last week's economic news included Case-Shiller Home Price Indices, along with new and pending home sales readings. The Federal Open Market Committee of the Federal Reserve met analyst's expectations and did not raise the target federal funds rate, which remains at 0.25 to 0.50 percent. Freddie Mac's mortgage rates survey and the Labor Department's weekly jobless claims report were also released. Case-Shiller: Home Price Growth Slows in February Average home prices growth slowed in February … [Read more...]

Filed Under: Mortgage Rates Tagged With: Home Prices, Homes Sales

Bob Ramalho April 29, 2016

Fed Holds Steady on Federal Funds Rate

In its post-meeting statement, the Federal Open Market Committee (FOMC) of the Federal Reserve announced its decision not to raise the current federal funds rate of 0.25 to 0.50 percent. Although FOMC members acknowledged further improvement in the U.S. economy and jobs markets, the committee cited the following as influencing its decision not to raise the current federal funds rate: Household income continued to rise, but consumers have "moderated" their spending. Inflation is expected to … [Read more...]

Filed Under: Financial Reports Tagged With: Fed Rate, Financial Reports, Funds Rates

Bob Ramalho April 28, 2016

5 Tips to Reduce Your Monthly Mortgage Payment

Buying a home isn't cheap – and even though mortgage rates are low, your own financial circumstances may mean that your monthly payment is more than you can afford. Whether you're a new buyer looking to save money or a cash-strapped owner who needs to free up extra income, there are several ways you can lower your monthly payments – here are just five of them. Make 13 Payments Every Year If you have some extra money and you're looking to pay down more of your principal amount, making … [Read more...]

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

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Recent Articles

  • Why You Should Think Like a Seller When Buying a Home
  • How to Read Between the Lines in a Real Estate Listing
  • Getting Approval for a Short Sale
  • What’s Ahead For Mortgage Rates This Week – June 2nd, 2025
  • How to Stage a Home Without Furniture Using Creative Tricks with Lighting, Scent, and Small Details
  • How a Bad Buyers Agent Can Hurt Your Sale and How to Protect Your Deal
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