Bob Ramalho

Berkshire Hathaway - Verani Realty

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Bob Ramalho July 16, 2024

When to Ask for Repairs vs. Taking a Credit

Buying a home is a significant investment, and ensuring the property is in good condition is crucial. There are times when asking the seller for repairs is the best course of action, but in other situations, requesting a credit may be more beneficial. Understanding when to choose each option can help you navigate the buying process more effectively. The Impact of Loan Types on Repairs Certain loan types, such as Federal Housing Administration (FHA) and Veterans Affairs (VA) loans, require the … [Read more...]

Filed Under: Mortagage Tips Tagged With: Home Buying, Home Inspection, Real Estate

Bob Ramalho July 12, 2024

Understanding the Different Types of Deeds in Real Estate

Buying or selling real estate involves a lot of paperwork, and one of the most critical documents in these transactions is the deed. A deed is a legal document that transfers ownership of property from one party to another. Understanding the different types of deeds is essential to ensure you make informed decisions in your real estate transactions. 1. General Warranty Deed A General Warranty Deed offers the highest level of protection for the buyer. This type of deed guarantees that the seller … [Read more...]

Filed Under: Real Estate Tagged With: Home Buying, Property Deeds, Real Estate

Bob Ramalho June 18, 2024

What Is a Mortgage Origination Fee?

If you're considering buying a home or refinancing your mortgage, you've probably come across the term "mortgage origination fee." But what exactly is it? Let’s take a look at the details to help you understand what this fee entails and why it's an important part of the mortgage process. Understanding the Mortgage Origination Fee A mortgage origination fee is a charge by the lender for processing your loan application. This fee compensates the lender for evaluating, preparing, and … [Read more...]

Filed Under: Real Estate Tips Tagged With: Financial Awareness, Home Buying, Home Buying Tips

Bob Ramalho June 14, 2024

Key Elements and Tips for Maximizing Your Borrowing Power

When it comes to buying a home, securing the right home loan is essential. But what determines how much you can borrow? Understanding the key factors that influence your borrowing power can help you make informed decisions and potentially increase the amount you can secure. Let’s explore these determinants and some actionable tips to maximize your borrowing power. Key Determinants of Borrowing Power Income and Employment Stability Income Level: Your income is a primary factor that … [Read more...]

Filed Under: Real Estate Tagged With: Borrowing Power, Home Buying, Mortgage Lending

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