Bob Ramalho

Berkshire Hathaway - Verani Realty

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Bob Ramalho August 9, 2023

Avoiding Becoming House Poor: A Path to Financial Security and Balance

As the housing market continues to evolve, it becomes increasingly crucial for aspiring homeowners to tread carefully and avoid falling into the trap of being house poor. The dream of owning a home should not come at the expense of financial stability and overall well-being. Here are some essential tips to steer clear of this precarious situation: Setting a Sensible Budget: Before even considering purchasing a house, it's imperative to create a comprehensive budget that includes all your income, … [Read more...]

Filed Under: Real Estate Tagged With: Finances, House Poor, Real Estate Tips

Bob Ramalho July 27, 2023

The Impact of Your Employment History on Mortgage Approval

When it comes to applying for a mortgage, lenders take various factors into account to determine your eligibility. One crucial aspect they consider is your employment history. Your employment history provides lenders with valuable insights into your financial stability, income consistency, and ability to repay the loan. Lenders evaluate your income consistency to ensure that you have a reliable source of funds to cover your mortgage payments. They typically request pay stubs, W-2 forms, and tax … [Read more...]

Filed Under: Homeowner Tips Tagged With: Credit Score, Mortgage Loan, Real Estate Tips

Bob Ramalho March 24, 2023

Six Key Reasons You’ll Want to Work With a Real Estate Agent When Pricing Your Home

Whether you know a little bit about the market or you've sold a home before, you may be considering pricing your own home to avoid the assistance of a real estate agent. However, there are a number of benefits associated with consulting an agent when selling your home. Before making a final decision, consider the following tips. They Know The Neighborhood It's great if you have familiarity with market prices, but knowing a neighborhood is key when it comes to determining price. The right agent … [Read more...]

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

Bob Ramalho February 1, 2023

How to Run a Quick Financial Health Check Before You Apply for a Mortgage

Are you planning on using a mortgage to help cover the cost of a new home? If so, you will want to prepare your finances and figure out how you will manage all those wallet-draining monthly expenses. Let's take a look at how to run a quick financial health check to ensure you are ready to apply for a mortgage. Update (Or Start) Your Monthly Budget First, it is essential to get the basics out of the way. If you haven't already, it's time to start a monthly budget to keep track of your income and … [Read more...]

Filed Under: Real Estate Tips Tagged With: Home Mortgage Tips, Real Estate, Real Estate Tips

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