Bob Ramalho

Berkshire Hathaway - Verani Realty

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Bob Ramalho May 11, 2022

Offering Asking Price: Is This Offer Competitive In The Current Market?

The current real estate market is incredibly competitive, and a lot of potential homeowners are wondering how they can separate themselves from the crowd. In the past, many people would think about how much under the asking price they could offer and still get the house. Now, it appears that the market has flipped. It is not unusual for a seller to have dozens of offers on the first day, so what do potential buyers need to do to be competitive? Houses Are Selling Quickly The current market is … [Read more...]

Filed Under: Real Estate Tagged With: Home Offer, Real Estate, Real Estate Value

Bob Ramalho May 10, 2022

The Pros and Cons of ‘Mortgage Before Marriage’ for Young Couples

There was a time when a higher percentage of people were married before they committed to buying a home together, but it's a lot more common to co-habit and invest in a home together. If you're considering the commitment of a mortgage without being married, here are some things to be aware of before you start searching the market. Relationship Status Won't Affect Your Rates It might seem like there are greater risks involved if two individuals purchasing a property are not legally bound, but it … [Read more...]

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

Bob Ramalho May 6, 2022

A Guide To Investing In Real Estate Rentals

If you are thinking about purchasing an investment property, you probably understand this is a great way to diversify your investments. On the other hand, you also need to understand how to evaluate potential rental properties and how to make sure you can generate enough income to cover the overhead expenses related to the property. What do you need to know? Pay Down Personal Debt First Before you decide to take on a second mortgage, you need to pay down as much of your existing debt as … [Read more...]

Filed Under: Real Estate Tagged With: Down Payment, Real Estate, Real Estate Investing

Bob Ramalho May 5, 2022

Understanding Your Debt To Income Ratio: What It Means

If you are looking for a home, you might need to finance it using a lender, such as a bank or a credit union. There are a number of factors that will influence whether your mortgage application is approved. Then, these same factors will play a role in the terms the lender might offer you. One of the most important factors is called the debt to income ratio, or DTI. It is important to understand how this will impact your mortgage application. What Is A Debt To Income Ratio? Your DTI is important … [Read more...]

Filed Under: Real Estate Tagged With: Debt to Income, Mortgage Payment, Real Estate

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Bob

Bob Ramalho


REALTOR ®
Cell: 603-440-3697
Office: 800-392-2377
Email: bob.ramalho@verani.com
NH License #067453
MA License #9550545

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Recent Articles

  • Evaluating Neighborhoods: 4 Things to Consider Before Purchasing a Home
  • Suffering in a ‘Low Inventory’ Real Estate Market? 3 Helpful Tips for Finding a Home to Buy
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  • What’s Ahead For Mortgage Rates This Week – May 16, 2022
  • Getting to Know the Neighbors: 3 Tips for Building Good Relationships
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