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

HUD Articles

Buying Ina Limited Inventory Market

April 14, 2021

Buying In A Limited Inventory Market  By Sandra C. Brown, GRI, Broker Rule Number 1  Don't get carried way and waive rights         a) Don't waive inspections         b) Don't waive finance contigency         c)   Don't make earnest money nonfundable Rule Number 2 Be ...

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6 Simple Ways to Improve Your Garage Door Security

April 12, 2021

Image Credit: Stephen Paul for HunkerWhen thinking about home safety and protection, homeowners often overlook garage door security. Doing so creates a weak point in your home security strategy — and burglars know it. Homeowners often rely on a locking door or a garage door opener to secure the door and keep them safe, but crafty burglars can get ...

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Debt to Income

April 12, 2021

The debt-to-income ratio is a calculation that your lender will use to determine the amount of your monthly financial obligations compared to the amount of income you have. The debt-to-income ratio is an important tool for the lender.The more income you have compared to outgoing payments every month the better, your lender needs to justify you as a ...

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Refreshing landscaping in the spring

April 10, 2021

Spring is a great time to refresh your yard, especially if you're looking to list your home.  Here is a list of ideas to help you give your yard the best curb appeal:1. Trim shrubs, limb up any trees, pick up any dead limbs that fell over the wintertime.2. Seed and straw bald spots on your ...

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Tips for Buying a Home During Spring

April 09, 2021

Credit goes to Elizabeth Weintraub from The BalanceTips for buying a home during the springtime ...

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Eliminating Odors

April 08, 2021

The following is a helpful article about getting rid of odors that you may not smell but your guests do!https://www.houselogic.com/organize-maintain/cleaning-decluttering/noseblind/?site_ref=spotlight...

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CDC Extends National Eviction Moratorium—but Tenant Advocates Argue More Help Is Needed

April 03, 2021

The U.S. Centers for Disease Control and Prevention has extended a nationwide ban on evictions for nonpayment of rent amid the COVID-19 pandemic.The moratorium, which was first announced under the Trump administration in September, will now last until June 30, 2021. The order was set to expire on Wednesday, based on the previous extension granted by the ...

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To Renovate or Not To Renovate Before You Sell

April 02, 2021

To Renovate or Not To Renovate Before You SellWhen thinking about selling, homeowners often feel they need to get their house ready with some remodeling to make it more appealing to buyers. However, with so many buyers competing for available homes right now, renovations may not be as vital as they would be in a more normal market. Here ...

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Top 5 Trendiest Interior Design Styles for Your Home's New Look!

April 01, 2021

Spring season is the best time to give our homes a new look and a fresh vibe. This season is the best time to make repairs, decorate and even renovate to potentially build some equity. If you are planning to give your home an interior major make-over this season, knowing the most popular design styles will help you decide ...

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12 First-Time Home Buyer Mistakes and How to Avoid Them

April 01, 2021

1. Not figuring out how much house you can affordWithout knowing how much house you can afford, you might waste time. You could end up looking at houses that you can't afford yet, or visiting homes that are below your optimal price level.For many first-time buyers, the goal is to buy a house and get a loan ...

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12 First-Time Home Buyer Mistakes and How to Avoid Them

April 01, 2021

1. Not figuring out how much house you can affordWithout knowing how much house you can afford, you might waste time. You could end up looking at houses that you can't afford yet, or visiting homes that are below your optimal price level.For many first-time buyers, the goal is to buy a house and get a loan ...

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This Is the No. 1 Reason First-Time Home Buyers Are Wading Into the Hot Housing Market

April 01, 2021

The housing market is so hot right now that even modest starter homes are receiving multiple offers going six figures over the asking price. But the high prices and lack of homes on the market don't seem to be stopping many first-time buyers from throwing their hats into the ultracompetitive ring.The top reason that almost two-thirds of ...

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“Hidden” Costs of Purchasing a Home that Many Buyers Overlook

April 01, 2021

 For most people, buying a home is one of the biggest investments they’ll ever make. While your house budget likely includes the down payment and monthly mortgage payments, there are several often-overlooked costs associated with buying and owning a home—and even if you’re not a first-time buyer, some of these costs may come as a ...

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Buyer & Seller Perks in Today’s Housing Market

March 30, 2021

Buyer & Seller Perks in Today’s Housing Market Right now, the housing market is full of outstanding opportunities for both buyers and sellers. Whether you’re thinking of buying your first home, moving up to a bigger one, or selling so you can downsize this spring, there are perks today that are powering big moves for people across ...

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Mortgage Interest Deductions 101

March 29, 2021

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Roaring 20s: Real Estate Saddles Up for a Seller’s Market as One in Five Homeowners Plans to Sell this Year According to Survey

March 29, 2021

 MADISON, N.J. (March 16, 2021) – Coldwell Banker Real Estate LLC, a Realogy (NYSE: RLGY) brand, recently commissioned a survey, conducted online by The Harris Poll among over 1,300 U.S. homeowners, exploring their plans to sell amid this year’s fast-paced market to coincide with its national ad, “Guiding You Home Since 1906,...

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4 Reasons the Highest Offer Doesn't Always Win!

March 26, 2021

Think the highest offer on a home always wins? Think again. Here are four reasons why a seller may not choose the highest offer:⁣⁣1. A buyer brings an all-cash offer: A buyer paying cash means there won’t be any financing pitfalls — and sellers LOVE avoiding pitfalls.⁣2. A buyer can close ASAP: If a seller is antsy ...

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Tax-Saving Methods for Real Estate Investors

March 22, 2021

There are a number of tax benefits that coincide with investment properties. Real estate investors see a lot more tax advantages as well as deductible expenses than the average occupation. As taxes take a good portion of a person’s income, there are a few tricks that investment properties can reduce your tax liability while simultaneously providing a good ...

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Help your buyers to understand process

March 21, 2021

Purchasing real estate is likely to be the biggest and most complex financial transaction a person will make in their life. A trusted real estate professional is a strong advocate who understands the information and emotional support that buyers need throughout the process of finding and acquiring a home.  As an expert with local market knowledge, real estate ...

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6 Tips for Improving Your Credit Score

March 17, 2021

Improving your credit is a marathon, not a sprint. Adopting these habits can give you better credit in the long run.  Whether you're applying for a mortgage, ready to refinance or thinking about the future, there's no time like right now to adopt healthy credit habits, like these:  Pay your bills on time Making ...

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Buyer Access to List Agent during Holidays

March 16, 2021

List agent availability. I make sure that all buyers have complete access for HUD property information with all phone numbers and my email. I make it a priority to remain in town so I can be available for property information, and explain the offer process on HUDHomestore.com. I also encourage any buyer to feel free to call ...

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When does re-financing make sense?

March 16, 2021

Article creds: Bankrate.comThe biggest question is whether refinancing makes sense for you.Bill Packer, executive vice president and chief operating officer of eLEND, provides a quick tutorial on factors to consider. “Refinancing a mortgage is a factor of three key items: (1) the after-tax monthly savings (new payment compared to old payment after any tax-favored treatment); (2) ...

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Spring Home Maintenance Checklist

March 16, 2021

March☐ Inspect, and possibly change out HVAC filters☐ Clean kitchen sink disposal☐ Clean range hood filters☐Inspect your fire extinguisher(s)April☐ Inspect, and possibly change out HVAC filters☐ Clean kitchen sink disposal☐ Clean range hood filters☐Inspect your fire extinguisher(s)May☐ Inspect, and possibly change out HVAC filters☐ Clean kitchen sink disposal☐ Clean range hood filters☐Inspect your fire extinguisher(s)Quarterly☐ Test smoke/carbon monoxide detectors☐ ...

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Outdoors In Mobile Al

March 16, 2021

With so many options, it may be hard to decide how to spend a day in Mobile's great outdoors. The area is home to the Mobile-Tensaw Delta, the largest river delta and wetland in Alabama and one of the largest in the country. In fact, there are not many places in the world that hold the eco-diversity of ...

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How Agents Can Help First-Time Home Buyers

March 15, 2021

Buying a home for the first time is undoubtedly a daunting prospect for many. First-timers are committing to a substantial financial contract that will affect their life for many years. It is also easy for a buyer to worry that they don’t know what’s typical during the process.As your agent we can be a guiding force ...

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