Bob Ramalho

Berkshire Hathaway - Verani Realty

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Bob Ramalho April 20, 2017

How Young Is ‘Too Young’ to Buy Your First Home? Getting Started Early Has Its Ups and Downs

Many millennials are expected to enter the housing market in the next year with the interest rates still low. However, while it may be a good time, it does not necessarily mean that it's the right time for you to make the investment. If you're currently weighing your options when it comes to home ownership, here are some things to consider before you decide put the money down. Are You Struggling With Student Debt? It's possible to invest in a home when you're still paying down student debt, … [Read more...]

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

Bob Ramalho April 4, 2017

It’s Tax Time: Learn How Buying a New Home Can Help to Reduce Your Tax Burden

Most people do not look forward to tax time, whether they get money back or not, but as a homeowner there are a lot of things you can do that will help to reduce your taxes and get you a refund. If you're getting prepared to invest in a home and are wondering how it can benefit you, here are some deductions you'll want to watch out for. Minimizing Mortgage Interest One of the best benefits of having a home is that you can actually deduct mortgage interest at tax time and save considerable money … [Read more...]

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

Bob Ramalho March 24, 2017

Student Loans vs. Down Payments: 3 Ways You Can Manage Both and Buy a New Home

The idea of paying off your student loans and buying a home at the same time can seem like an impossible feat given the impact on your Debt-to-Income (DTI) ratio. However, there are ways it's possible to have enough funds and good enough credit to make your dream of home ownership come true a little more quickly. If you're currently considering how to manage both, here are some options you might want to consider. Decrease Your Debt Lenders will be looking at your DTI ratio in order to determine … [Read more...]

Filed Under: Home Buyer Tips Tagged With: Buying A Home, Down Payments, Home Buyer Tips

Bob Ramalho March 14, 2017

Feeling ‘Priced Out’ of Your Local Market? Here’s How You Can Still Buy a Great New Home

If you're trying to buy a new home, few things are more frustrating than a hot real estate market. When home prices are climbing fast it can feel like you'll never be able to save enough for your down payment. In today's post we'll share a few ways that you can get in – even if you're feeling priced out. Start Smaller And Upgrade Later If you're a single professional or a young couple, it might be wise to start with a smaller starter home. While a townhouse or condo might not feel as large … [Read more...]

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

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