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 Land With An FHA Loan

November 03, 2020

Buying land with an FHA loan is mostly done in conjunction with an FHA construction loan, and it is a common feature of FHA Stick-Builds, Modular and mobile home loans-the buyer takes the necessary steps with a builder or manufacture dealer which will include the land it is situated upon or will be situated upon.HUD 4000.1 has ...

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Real-Estate Tips for Assisting Millennials Buying Their First Homes

November 02, 2020

Right now may seem to be one of the worst possible times for millennials to invest in their first-ever homes. And yet, the real estate market is booming for millennials. According to Realtor.com’s 2020 Housing Market Predictions, millennials will comprise the largest percentage of home buyers this year. This shouldn’t seem too surprising, as the millennial ...

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Self-Employed and Applying for a Mortgage? Here's What's Changed Since COVID-19

November 02, 2020

The gig economy has blown up in the past few years, with more and more people choosing to work as freelancers, either by starting their own businesses, or by picking up nonsalaried jobs from bigger companies. According to the Freelancers Union, over 50 million Americans worked this year as freelancers, a number that represents roughly 35% of the ...

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4 Reasons Why the Election Won’t Dampen the Housing Market

November 02, 2020

4 Reasons Why the Election Won’t Dampen the Housing MarketTomorrow, Americans will decide our President for the next four years. That decision will have a major impact on many aspects of life in this country, but the residential real estate market will not be one of them.Analysts will try to measure the impact feasible changes in regulations ...

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REAL ESTATE NEWS MarketWatch U.S. Home Prices Rise at Fastest Pace in Two Years

November 02, 2020

By Jacob Passy | Oct 28, 2020 The numbers: The S&P CoreLogic Case-Shiller 20-city price index posted a 5.2% year-over-year gain in August, up from revised 4.1% in the previous month, according to a report released by S&P Dow Jones Indices on Tuesday. The gain was in line with expectations of Wall Street economists surveyed ...

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Home Values Projected to Keep Rising

November 02, 2020

As we enter the final months of 2020 and continue to work through the challenges this year has brought, some of us wonder what impact continued economic uncertainty could have on home prices. Looking at the big picture, the rules of supply and demand will give us the clearest idea of what is to come.Due to the undersupply ...

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Two Important Impacts of Home Equity

October 26, 2020

Equity continues to rise, helping American homeowners secure a much more stable financial future. According to the most recent data from CoreLogic, the average homeowner gained $9,800 in equity over the past year. In addition, experts project 2020 home prices to continue rising. With prices going up, equity gains will also keep accelerating. Black Knight just reported:“The ...

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Organizing mistakes to avoid.

October 23, 2020

 Organizing seems to be overwhelming for many of us.  Learning from the organizing mistakes of others can save time and money.Here is a link to help.https://www.houselogic.com/organize-maintain/storage-ideas-hacks/how-to-get-organized-at-home/?site_ref=mosaic...

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Top 10 Tips for Selling Your Home During the Holidays

October 23, 2020

Top 10 Tips for Selling Your Home During the Holidays  Don’t go overboard.Homes often look their best during the holidays, but sellers should be careful not to overdo it on the decor. Hire a reliable real estate agent.That means someone who will work hard for you and won't disappear. Seek out motivated ...

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5 Things You Need to Be Pre-approved for a Mortgage

October 19, 2020

By MICHELE LERNER Shopping for a home may be exciting and fun, but serious homebuyers need to start the process in a lender's office, not at an open house. Most sellers expect buyers to have a pre-approval letter and will be more willing to negotiate with those who prove that they can obtain financing. Potential buyers need ...

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The Four Pillars of Financial Health

October 17, 2020

Many financial experts agree that financial health includes four key components: Spend, Save, Borrow, and Plan. It is crucial that you actively work on improving the health of each one. Unsatisfied with your financial health? Here are some valuable tips to strengthen each component. Spend.To spend wisely, you need a budget. With a little time, you can ...

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Townhome vs. Condo: Which Should You Consider?

October 16, 2020

Whether it’s your first time buying or you just want to purchase something smaller, townhouses and condos are both great options. Check out the differences between the two to help aid you in your search!CondominiumsCondominiums are similar to apartments in that you purchase an individual unit inside of a larger building, but not the property it sits ...

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Buying A Home In East TN

October 15, 2020

Buying a Home In East Tennessee By Sandra C Brown, Broker, GRI  These points cover the housing market for the East TN Counties of Sevier, Cocke, Jefferson, an Hamblen Counties Until this year in East TN you could buy a starter in East TN  for uner $100,000    There  are still a few but typically need ...

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When you walk in and your client asks what is that "smell"?

October 15, 2020

Staging has a new kind of style.When you walk in - this is your happy place. Something is tantilizing your senses and smells supernaturally delicious! Fall is the perfect time to bake an egg custard pie an hour before the showing. It tastes like it smells. Pre cut the pie. Leave saucers with forks. Set out disposable cups, ...

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How to choose a closing date for your mortgage

October 15, 2020

  © DOUGBERRY/Getty Images A single-story home with attached garageIf you're buying a home, you may be receiving all sorts of advice about the best time of the month to close on your mortgage. In reality, there's no one-size-fits-all approach to choosing a closing date, but timing does matter. It's important to understand how closing ...

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Prepping for Fall

October 15, 2020

Fall….. some people like it, some don’t.  I fall in the category of don’t.  My heart races every year as spring approaches.  Seeing new life, leaves beginning to come out, flowers coming up but with fall I see the leaves dropping, roses are giving their last hurrah and other flowers are dying.  To ...

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Decorating Your Home for Fall

October 15, 2020

DIY Home Decorating Tips for FallYou don't have to paint your walls or buy new furniture to get your home ready for fall. Instead, you can use some simple seasonal tricks to welcome autumn leaves and pumpkin spices into your home, and impress your visitors in the process.1. Bring Out the Cinnamon- and Pumpkin-Scented CandlesThe smell of ...

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First-Time Buyers in a New Kind of Housing Market

October 15, 2020

In the last decade, the housing market in the United States has undergone a transformation. Newcomers hunting for their first homes are finding higher prices in many locations since the lows of 2008 and 2009. At the same time, they’re having a harder time getting the tax breaks that once helped offset the costs of hefty mortgages.Despite ...

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Two Important Impacts of Home Equity

October 14, 2020

Equity continues to rise, helping American homeowners secure a much more stable financial future. According to the most recent data from CoreLogic, the average homeowner gained $9,800 in equity over the past year. In addition, experts project 2020 home prices to continue rising. With prices going up, equity gains will also keep accelerating. Black Knight just reported:“The ...

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10 Tips to Help Sell a Home in Autumn

October 14, 2020

10 Tips to Help Sell a Home in AutumnCredit goes to Elizabeth Weintraub from The Balance...

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Coronavirus Pandemic Threatens to Widen Racial Homeownership Gap

October 14, 2020

The housing market has led the recovery from the pandemic-induced economic downturn as Americans have rushed to buy homes amid a desire for more living space and record-low mortgage rates.But some analysts warn even as the housing boom bolsters the overall economy, it may widen the longstanding gap in homeownership between Black and white Americans. That could have ...

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Selling this Fall May Be Your Best Move

October 14, 2020

  If you’re thinking about moving, selling your house this fall might be the way to go. Here are four highlights in the housing market that may make your decision to sell this fall an easy one.1. Buyers Are Actively in the MarketShowingTime, a leading real estate showing software and market stat service provider, just reported ...

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Help your homebuyers find their perfect home online by shopping on the HUDHomestore.com

October 13, 2020

90% of home shoppers today are likely to start their research online. 89% of them use the internet to search for real estate agents. What does this mean for realtors? It means now is the best time to advertise HUD Homes to get buyer leads as long as you get approval from HUD and/or the listing agent. There are ...

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Why FSBO's are not as successful

October 13, 2020

Homeowners may be inclined to list their home on the For Sale By Owner website to avoid singing a listing agreement and having to stick with using an agent.  In some cases, this may work out okay for the seller and buyer, but in this competitive market FSBO's may not be as successful as homes listed with ...

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Do You Have Enough Down Payment Saved?

October 13, 2020

Do You Have Enough Money Saved for a Down Payment? One of the biggest misconceptions for first-time homebuyers is how much you’ll need to save for a down payment. Contrary to popular belief, you don’t always have to put 20% down to buy a house. Here’s how it breaks down.A recent survey by ...

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