Bob Ramalho

Berkshire Hathaway - Verani Realty

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Bob Ramalho March 17, 2023

How to Get Along With Your Homeowners Association

Rules and covenants of a homeowners association can be a bit overwhelming, especially for a first time homeowner. Understanding that the regulations are designed to protect the value of your home helps make some restrictions easier to live with. Homeowners Association CC&Rs, which stands for "covenants, conditions and restrictions," can be intimidating. But, with the growing number of communities and subdivisions that have existing HOAs, it's important to know what you're getting into … [Read more...]

Filed Under: Real Estate Tagged With: CC&Rs, Homeowners Association, Real Estate

Bob Ramalho March 16, 2023

Manage These 3 Items Before Applying For A Mortgage

Mortgage lenders weigh the risk of getting their principal and interest paid back by looking at the qualities of the prospective borrower. And due to the amount of money being requested and lent to purchase homes, those requirements can become daunting.  Working with a trusted and qualified mortgage professional makes this sometimes confusing process a little clearer. To this end, there are three things that a potential homebuyer can do to prepare for the mortgage approval process: Manage … [Read more...]

Filed Under: Real Estate Tagged With: Buyer, Home Financing, Real Estate

Bob Ramalho March 14, 2023

What To Know About Property Lines

If you are in the process of buying a new home, you know that there are a lot of moving parts involved. You need to know everything you can about a potential house before you decide to purchase it, and that includes the property lines. What do you need to know about property lines, and why are they so important? How Are Property Lines Drawn? While property lines are the borders that separate one property from another, they are also legal boundaries. Essentially, property lines determine what you … [Read more...]

Filed Under: Real Estate Tagged With: New Home, Property Lines, Real Estate

Bob Ramalho March 10, 2023

The Top Benefits Of A Single Close Construction Loan

If you are thinking about building your own home, you might be wondering how construction loans work. There are plenty of options available, but one of the most popular choices is a single-close construction loan. This type of loan allows you to close on not only the construction expenses but also your financing costs at the same time. Essentially, a single-close construction loan will convert into your mortgage after the construction on your home is finished. What are some of the top benefits … [Read more...]

Filed Under: Real Estate Tagged With: Construction Loan, Interest Rates, Real Estate

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