Bob Ramalho

Berkshire Hathaway - Verani Realty

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Bob Ramalho June 17, 2021

Understanding Appraisals and What to Do If Your Home Doesn’t Appraise for Its Purchase Price

It can be a bit of a surprise if your home turns out to be valued at less than the purchase price offered, but this is the type of thing that can occur in an appraisal situation. While this can change everything from your contract to the amount of your down payment if your home has been appraised at less than you envisioned, here are some options you may want to consider. Review The Appraisal Contingency Clause If an appraisal contingency clause is built into the terms of your contract, this … [Read more...]

Filed Under: Real Estate Tips Tagged With: Appraisals, Real Estate Tips, Real Estate Value

Bob Ramalho May 4, 2021

Don’t Miss Out On How To Handle Common Home Buying Pitfalls

The process of buying a home can be riddled with obstacles. However, you can avoid many of the most common home buying pitfalls with some advanced preparation. Below are some of the most frequent problems home buyers face, as well as tips for avoiding them.  You Can't Qualify For A Mortgage  Nothing is more frustrating than learning that, even though you make enough money to afford your dream home, you cannot qualify for the mortgage you need. This may happen because your credit … [Read more...]

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

Bob Ramalho April 29, 2020

How Does A Home Appraisal Work?

Whether you're a buyer or a seller, a home appraisal is a critical component of the home selling process. An appraisal is also required in situations where a home is gifted to a family member, so it's important to have a clear understanding of what it entails.  What Is A Home Appraisal? A home appraisal is an unbiased estimate of a home's fair market value conducted by a professional appraiser. All 50 states require that appraisers be licensed and/or certified and demonstrate knowledge of … [Read more...]

Filed Under: Mortgage Tagged With: Appraisals, Evaluations, Mortgage

Bob Ramalho April 3, 2020

The Department Of Veterans Affairs Is Allowing Drive-by Appraisals Because Of COVID-19

The COVID-19 (Coronavirus) pandemic has impacted every industry across the country. Many people are being asked to shelter in place and everyone has been asked to practice social distancing to try to curtail the spread of this deadly virus. The Federal Housing Finance Agency (FHFA) has asked both Freddie Mac and Fannie Mae to make some changes in the manner they conduct property appraisals and employment verification. Shortly after the move by the FHFA, The Veteran's Administration (VA) and … [Read more...]

Filed Under: Mortgage Tagged With: Appraisals, Market Trends, Mortgage

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