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 22, 2016

Mortgage Myths: Here’s Why You Don’t Need a Full 20 Percent Down Payment

If you're just getting into the real estate market, you may have heard that 20% down is the ideal percentage in order to lower your monthly payments and get your mortgage application approved. However, while 20% is often suggested, many people struggle to come up with this amount of money. If you're staving off home ownership, here are some reasons you may not need to hold off as you long as you thought. Minimizing Your Insurance Costs Putting down 20% of the total purchase price of your home is … [Read more...]

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

Bob Ramalho September 21, 2016

What Types of Coverage Are Included in Standard Home Insurance Policies? Let’s Take a Look

Every insurance policy is different and can provide certain levels of protection tailored towards the needs of the policy holder. However, there are some standard types of coverage that are included in most basic home insurance policies. Basic Levels Of Protection Most homeowner insurance policies will include some basic levels of protection and coverage. The main dwelling will be protected from many forms of damage and the insurance company will pay to repair the damaged dwelling. This will … [Read more...]

Filed Under: Around The Home Tagged With: Around the Home, Insurance, Real Estate Tips

Bob Ramalho September 20, 2016

5 Mistakes That Will Instantly Turn a Home Buyer Away – and How to Avoid Making Them

If you're preparing to sell your home you've likely heard many tips and tricks to help close quickly, however few people will ever tell you what you're doing wrong. Don't be your own roadblock to success! Avoid these common seller-mistakes to ensure that your home leaves a lasting impression on buyers, instead of sending them running for the hills. 1) Dirt: It's A Don't Perhaps one of the biggest turn-offs in real estate, dirt gives the impression that your property is not well maintained. A … [Read more...]

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

Bob Ramalho September 19, 2016

What’s Ahead For Mortgage Rates This Week – September 19, 2016

Last week's economic news included reports on retail sales, inflation, and weekly reports on mortgage rates and new jobless claims. Retail Sales Slip as Consumer Prices Inch Up Retail sales dipped into negative territory in August with a reading of -0.30 percent as compared to expectations of -0.10 percent and July's reading of +0.10 percent. Retail sales excluding auto sales were better at +0.30 percent. Analysts expected a reading of +0.20 percent based on July's reading of -0.40 percent. … [Read more...]

Filed Under: Mortgage Rates Tagged With: Mortgage Rates, Retail Sales

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