Bob Ramalho

Berkshire Hathaway - Verani Realty

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Bob Ramalho August 30, 2023

Reasons You Need an Insurance Binder and How to Get One

An insurance binder for mortgage loans is a document that provides proof of insurance coverage for a property that is being financed with a mortgage loan. Mortgage lenders require borrowers to have insurance coverage on their property to protect their investment in case of damage or loss. When a borrower applies for a mortgage loan, the lender typically requires proof of insurance coverage before they will approve the loan. An insurance binder is a document issued by the insurance company that … [Read more...]

Filed Under: Real Estate Tagged With: Financial Protection, Insurance Binder, Real Estate

Bob Ramalho August 28, 2023

4 Tips to Staging Your Home on a Budget

Many people think that staging a home effectively is a matter of money, but there are easy ways to dress it up and make it shine that don't come with a high cost. If you're looking for some economical tips that will go a long way in making a positive impression, here are a few ways to get your home prepared. Pack Away The Personal There are certain unique features in any house that can have a positive impact on potential homebuyers, but personal items will actually make it harder for guests to … [Read more...]

Filed Under: Real Estate Tips Tagged With: Real Estate, Staging Your Home

Bob Ramalho August 25, 2023

Ensuring Home Contractors Are Following The Rules Under HICPA

There are many homeowners who hire contractors to make repairs or upgrades on their homes. It is critical for home improvement contractors to follow all rules and regulations set forth by the law. These regulations have been set forth under the Home Improvement Consumer Protection Act, or HICPA. An Overview Of The Home Improvement Consumer Protection Act The Home Improvement Consumer Protection Act was put forth to ensure that homeowners and contractors come to an appropriate agreement. … [Read more...]

Filed Under: Home Tips Tagged With: Contractors, Home Improvement, Real Estate

Bob Ramalho August 23, 2023

How the Purchase and Refinance Mortgage Process Works

The purchase and refinance mortgage processes are similar in many ways, but there are also some important differences. Here is a general overview of how each process typically works: Purchase Mortgage Process Determine your budget: Before you start shopping for a home, you need to figure out how much you can afford to spend. You can do this by calculating your monthly income, expenses, and debt, and getting pre-approved for a mortgage. Find a property: Once you know your budget, you can start … [Read more...]

Filed Under: Real Estate Tips Tagged With: Budgeting, Real Estate, Refinance

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