K.M. Minemier & Associates is a certified Woman Owned Small Business (WOSB) engaged in full service real estate asset management and marketing.

HUD Articles

3 tips for buyers during a home inspection

November 08, 2017

One of the most stressful parts of buying a home is the home inspection. Getting the most value from a home inspection is crucial, especially since any missed item can cause a significant amount of trouble a few years or decades down the road. With that in mind, let’s take a look at a few tips on how ...

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Smart Enhancements for Rental Properties

November 08, 2017

Many Americans today own a property aside from their primary residence that they consider an investment property.  Whether it is acquired through an inheritance from a family member, or a purchased fixer upper foreclosure, finding a good long-term tenant that will take care of your investment is important!  Here are some things you can do to make ...

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5 Things You Need to Know When You Walk Into A Public Open House

November 07, 2017

While viewing pictures of properties on line can be entertaining, there’s nothing quite like seeing your future home in person.  From dreaming about setting the first turkey on the table for Thanksgiving, the first Christmas in the home, to playing in the backyard with your children or grandchildren… it’s exciting!  An Open House is a ...

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Avoiding Foreclosure

November 03, 2017

There are a number of programs to assist homeowners who are at risk of foreclosure and otherwise struggling with their monthly mortgage payments. The majority of these programs are administered through the U.S. Treasury Department and HUD. This page provides a summary of these various programs. Please continue reading in order to determine which program can best assist ...

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Maximize the Selling Price of Your Property

June 27, 2017

Three inexpensive tips to maximizing the selling price of your home.CURB APPEALA little landscaping goes a loooong way...A study of homes in Greenville, S.C., from researchers at Clemson University found that the value of homes with landscapes that were upgraded from "good" to "excellent" and resulted in an overall increase in value by 6 ...

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e-Signature Coming to a HUD Sales Contract Near You!

April 27, 2017

Effective May 1, 2017, HUD is allowing e-signatures as a method of sales contract execution.It's here!  e-Signature, it's here!  We understand for most real estate professionals you've probably been using an e-signature tool for years and this doesn't really sound all that exciting, but for those of us in the HUD-owned world, ...

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Region 6A HUD Asset Management Operations to Transition to KMM

April 24, 2017

IMPORTANT ANNOUNCEMENTTENNESSEE, ALABAMA & MISSISSIPPI - REGION 6ATo all HUD Registered Brokers/Agents and FHA Roster Appraisers -The 3.7 Asset Management of HUD-owned homes located in Tennessee, Alabama and Mississippi (6A Region) will be aligned to K.M. Minemier & Associates (KMM) transition beginning June 1, 2017.   To prepare for the upcoming alignment, KMM will be issuing ...

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Fair Housing Month

April 19, 2017

Each April we come together to celebrate the landmark passage of the 1968 Fair Housing Act. This year members of The Spartanburg Association of Realtors met with Mayor Junie White to sign the Fair Housing Proclamation and reconfirm our commitment as Realtors to NAR Fair Housing Declaration.Fair Housing DeclarationI agree to:Provide equal professional service without regard to the ...

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Name That Tune!

April 17, 2017

The title of this blog post probably gives away my age...okay, definitely gives away my age. But some of you may remember the game show Name That Tune!, where contestants, competed to "name that tune" in as few notes as possible.If we were to play a version of that game today, how many words would it ...

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Buying a Home...Where to Start?

March 20, 2017

We get calls every day from consumers in the marketplace interested in the homes we have listed. They ask the price, they ask about the square footage, the bedrooms, the baths, and the lot. Then, more often than you would think, sometimes with a shaking voice, sometimes almost in a whisper, they ask the question they've been afraid ...

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FHA Mortgage Insurance Premium Rate Cut Suspended!

February 17, 2017

The previously announced rate cut on FHA Mortgage Insurance Premiums that was set to take effect January 27, 2017 has been suspended. The new Secretary for the Department of Housing and Urban Development, Dr. Ben Carson, stated prior to being confirmed, that he plans to "really examine" the financials to ensure a balance between encouraging sustainable home ownership ...

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Is Cash Always King?

February 15, 2017

In financial circles, there's a saying, a summation of a long held belief: "Cash is King."But what does it mean?When investing, the best companies to invest in are the companies with the largest cash reserves. It's commonly known when an individual is dealing with a vendor (Chimney Sweep, HVAC Company, a painter, the ...

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Benefits of Homeownership

January 18, 2017

When I meet a new client: I tell them, "This is my spill. It does not matter if you younger or older, if you are richer or poor, bigger or little. With the interest rates so low, you can buy your very own home and your monthly mortgage payment will be cheaper than paying rent; and you will ...

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FHA Takes Action to Make the American Dream Come True for Many Homebuyers!

January 13, 2017

FHA loans open doors of opportunity for buyers who might not qualify for other conventional loan products. FHA allows creditworthy borrowers to pay an insurance premium, referred to as (MIP) for a mortgage that requires as little as 3.5 percent down payment.The best news of all is The Federal Housing and Urban Development, referred to as (FHA) ...

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FHA to Cut Mortgage Insurance Premium Amount

January 12, 2017

On Monday, January 9, 2017, the Federal Housing Administration/Department of Housing and Urban Development announced it will reduce the Mortgage Insurance Premium (MIP) on all FHA loans closing after January 27, 2017. After this date, borrowers will pay 25 basis points less for their MIP.FHA doesn't issue loans, but similar to Fannie Mae and Freddie Mac, they ...

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What is a HUD Home?

December 16, 2016

What is a "HUD Home" or a HUD Foreclosure?HUD homes or HUD foreclosures are homes that were purchased with a FHA loan. When a buyer obtains a FHA loan, the federal government insures the loan. If the buyer defaults on the loan (stops making mortgage payments) the department of Housing and Urban Development pays off the loan ...

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Housing, The Fed and Interest Rates, Oh My!

December 16, 2016

On Wednesday December 14, 2016, for only the second time in eight years, the Federal Reserve raised its interest rate.Okay.What does that mean?Well, obviously we all know what an interest rate is and we know that all other interest rates are based off the Federal Reserve's rate, so we can extrapolate from there that when ...

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Open House, Open Connections...

November 16, 2016

It's nice to make connections.Sometimes, in the real estate industry, we tend to forget that. We get so focused on getting the sale or getting the listing, on moving from contract to close. We think about deals and contracts and inspections.Sometimes, sadly, we forget to think in terms of people. Buyers are people. The name or ...

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The Dangers of Turkey Fryers

November 16, 2016

A longtime food favorite in the southern United States, the delicious deep-fried turkey has quickly grown in popularity thanks to celebrity chefs. While some people rave about this tasty creation, there’s concern among fire safety experts that home cooks may be sacrificing safety for good taste.Why is it so potentially dangerous to use a deep-fryer for a ...

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Insured With Escrow

October 19, 2016

Great News for home buyers looking for affordable homes in Spartanburg, South Carolina.Many Home Buyers searching for affordable homes, become discouraged in the buying process, as they find homes that appeal to them, only to find out that the condition of the home must meet certain standards to qualify for the loan. For example, the first time home ...

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NC Down Payment Assistance Program

October 18, 2016

Are you purchasing a home in Cabarrus, Cumberland, Guilford, Johnston or Mecklenburg counties? You may be eligible for $15,000 in Special Down Payment Assistance.NC Housing is relaunching their $15,000 Down Payment Assistance Program on October 17, 2016. Three thousand loans will be available. This is for Primary Residence properties only (conventional, VA or FHA financing). Only ...

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The Joys of Living in Steele Creek

October 07, 2016

The Steele Creek Area is a great place to live! The neighborhoods are very welcoming and close knit. What I like best about Steele Creek is that not all the homes look exactly alike and everything you need is here, from Great Dining, Shopping, Hotels, and Salon & Spas, to Dental Practices, Carolinas Healthcare Urgent Care, Doggie Daycare ...

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Is Buying a HUD-owned Home Different From Any Other Home Purchase?

October 07, 2016

We often receive calls from homebuyers wondering exactly how to purchase a HUD home (property owned by U.S. Department of Housing and Urban Development). They want to know the difference between buying a HUD home vs. purchasing a “regular” home. But here’s the thing---HUD homes are regular homes!Here’s a quick overview of how similar ...

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50% off sale of HUD-owned Properties! Ask us how!

September 27, 2016

If you are a full time law enforcement officer, teacher, fire fighter and emergency medical technician (EMT) this is the program for you! You have the opportunity to contribute to community revitalization through HUD’s Good Neighbor Next Door Sales program.The U.S. Department of Housing and Urban Development (HUD) has created a generous incentive for home buyers ...

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Neighborhood Spotlight - Shandon, South Carolina

September 27, 2016

Located between Harden and Kilbourne / Devine and Rosewood, Shandon is one of the top neighborhoods in Columbia. With Prairie style foursquare homes, cottages, and bungalows dating back to the early 1900s, Shandon is also one of the oldest neighborhoods in Columbia.Being so close to shopping, restaurants, and entertainment districts yet having the benefit of large trees, wide ...

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