Bob Ramalho

Berkshire Hathaway - Verani Realty

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Bob Ramalho May 16, 2023

Critical Tips To Consider When Hiring A Home Contractor

Hiring a home contractor can be a daunting task, as the success of your home renovation or construction project depends largely on the competence of the contractor you choose. Here are some critical tips to consider when hiring a home contractor: Research: Do thorough research on potential contractors before hiring them. Check their credentials, licenses, certifications, and experience. Also, look for reviews and testimonials from past clients to get an idea of their work quality. Get multiple … [Read more...]

Filed Under: Real Estate Tagged With: Contractor, License, Real Estate

Bob Ramalho May 12, 2023

DIY Improvements Do Not Have To Be Expensive: A Few Examples

There are many do-it-yourself (DIY) home improvement projects that can be completed on a budget and still have a significant impact. Enhancing the appearance and functionality of your home doesn't have to be costly or time-consuming.  New Light Fixtures One simple and affordable way to update your home is by replacing old or outdated light fixtures. New light fixtures can give your home a fresh, modern look and can also help to improve the overall lighting in your living spaces. There is a … [Read more...]

Filed Under: Real Estate Tagged With: DIY Projects, Home Improvements, Real Estate

Bob Ramalho May 11, 2023

How Do I Get Rid of PMI?

What is PMI? PMI (Private Mortgage Insurance) is a type of insurance that lenders may require borrowers to pay if they have a down payment of less than 20% of the home's purchase price. The purpose of PMI is to protect the lender in case the borrower defaults on the loan. However, once you have paid off enough of your mortgage or your home has appreciated in value, you may be able to get rid of PMI. Here are some ways to do so: Pay down your mortgage: If you make extra payments on your mortgage … [Read more...]

Filed Under: Real Estate Tagged With: Fees, PMI, Real Estate

Bob Ramalho May 10, 2023

Rebuilding Costs: Rethinking How Much Homeowners Insurance You Really Need

Buying a home comes with numerous financial planning obligations. It's far from a turn-key operation and one of the significant challenges involves developing a working knowledge about things often outside your area of expertise. For example, working as an educator, police officer, investment banker or office staffer does not necessarily make you an expert about home repairs or insurance coverage. Yet, the average homeowner is tasked with carrying a certain level of homeowners insurance coverage … [Read more...]

Filed Under: Real Estate Tagged With: Homeowners Insurance, Real Estate, Rebuilding costs

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