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

HUD Articles

How to get the winning bid in today's market

February 14, 2018

The market is getting stronger and stronger over the past few years and that is causing changes in the way foreclosures and REO properties are looking at offers. I personally sell over a 100 homes on average a year and write a lot of offers on these types of properties for anyone from homeonwers (owner occupants) to investors. I ...

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How’s the neighborhood?

February 14, 2018

What is the neighborhood like? How many times have you wondered that? As a Realtor, I hear it all the time. Prospective home buyers wanting to do due diligence on the neighborhood that they are considering. ow many times have you heard thatHWhere do we go to get that information? Since a Real Estate agent will not, and should ...

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Interest Rates on the Rise

February 13, 2018

Interest Rate Increase  We have enjoyed a long streak with low interest rates.   Looks like the streak is about to end.The year started with rates holding below 4% for 26 straight weeks.  Within a two-week period, the average 30-year rate nationwide raised to 4.15% according to Freddie Mac.Now FHA Loans averaged 4....

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Tips for Buying Your Next Home

February 12, 2018

Buying a house can be stressful...especially if it is your first home buying experience. However, you do not need to be overwhelmed if you are properly prepared. Many people struggle with such a major pruchase. This article is here to help you gain more knowledge and help you on your journey to finding the perfect home. Here are ...

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Why Do Real Estate Agents Ask For A Pre-Approval?

February 12, 2018

One of the most common home buying myths that exists is that when buying a home, you should find a home before getting a pre-approval.  There are some real estate agents who will show a home, or several homes, to a buyer without knowing whether a buyer is pre-approved or not.  This is a trait that you ...

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Tax Benefits for Landlords

February 12, 2018

February 12, 2018 | The Boone Crew, Master Brokers  If you think you are interested in owning rental property, there are several things to consider.  However, this article will review the advantages of owning rental property which are the tax deductions that you are allowed to take with rental property.  Some of these include: Advertising Cleaning & ...

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Fannie Mae's Increased DTI Ratio on Conventional Loans Open More Doors for Home Ownership

February 09, 2018

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Why HUD Homes are a Good Purchase for Millennials

February 07, 2018

Why HUD Homes are a Good Purchase for MillennialsAs the millennial generation becomes a huge part of the 18-34 home buying population for now and for years to come, it is vital that real estate professionals understand what this group is looking for and the challenges they face. Most millennials are either renting or are living with their parents. ...

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Millionaire To Millennials: Don’t Rent A Home… Buy!

February 06, 2018

In a CNBC article, self-made millionaire David Bach explained that: “The biggest mistake millennials are making is not buying their first home.” He goes on to say that, “If you want to build real financial security, real wealth for your lifetime, then you need to buy a home.” Bach went on to explain: “...

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FHA LOAN LIMITS ARE SET

February 05, 2018

FHA Loan Limits Updated for 2018 Home prices are trending upward across the country. If you’re lucky enough to be independently wealthy, you might be able to buy your home with cash, but most people will have to get a mortgage. If you’re buying a home with a mortgage, every program has an upper limit on ...

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Travel to the North Carolina Mountains!

February 05, 2018

The mountains of North Carolina have many hidden gems for travelers.  The Great Smoky Mountains run along the western border of North Carolina, and serve as a great place for fishing, kayaking, ziplining and hiking.  Asheville is the heart of the mountains and home to the famous Biltmore Estate, the largest home in America that sits on ...

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Benefits of Home Ownership

February 05, 2018

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Is an FHA Mortgage Loan a Good Idea for First-Time Buyers?

February 03, 2018

Is an FHA Mortgage Loan a Good Idea for First-Time Buyers?Here’s a common question we receive: Is an FHA mortgage loan a good idea for first-time home buyers?This is not a yes or no question, because it varies from one borrower to the next. With that being said, the FHA loan program is often a good ...

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Get A Realtor

February 02, 2018

Get a RealtorPosted on February 2, 2018 in UncategorizedIs it possible for you to purchase or sell your home without a real estate agent? Possibly. However, what will that cost you? As a buyer, the seller pays for your agent. Regardless of buying or selling, a realtor’s greatest value is saving you time, money, and stress.A great ...

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Can Disaster Relief Grants Be Used As Money To Close An FHA Loan?

February 01, 2018

Can Disaster Relief Grants Be Used As Money To Close An FHA Loan?Can disaster relief grants be used as money to close an FHA mortgage loan?In the wake of the many natural disasters in 2017, many home owners in Texas, California, Puerto Rico, and other affected areas want to know what their options are to recover, rehab, ...

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FHA Loans And Cash Back At Closing

February 01, 2018

FHA Loans And Cash Back At ClosingFHA loans and cash back at closing-many borrowers want to know if they can take cash out on an FHA mortgage loan and the answer isn’t as simple as yes or no.FHA home loan rules allow cash back as a routine part of the transaction for FHA Cash-Out Refinancing and for ...

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Spring Buying Tips

January 17, 2018

Tips for Spring Buyers Talk to a Lender- It’s never too early to start speaking with a lender about your future purchase. This allows you to see what your credit looks like and if you meet all the criteria to be pre-approved. This extra time gives you the opportunity to clean up your credit report, if needed, and ...

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10 TIPS ON GETTING YOUR HOME READY FOR THE SPRING SELLING SEASON

January 16, 2018

10 tips to get ready for a spring sale1. Clean & declutter Make your move easier by beginning the packing process now. Clear out all clutter and remove items you don’t regularly use. Now is a good time to donate unused belongings. Throw away items that are broken or damaged. Shred and dispose of paperwork that is no ...

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Special Discount for Community heroes!

January 16, 2018

Every story has its own heroes, so thus every community. Every hero helps in strengthening every place wherever he is. So maybe, they deserve also even a simple reward.The Department of Housing and Urban Development has its mission of strengthening communities plus providing quality affordable homes for everyone. One of their programs is to let community heroes avail ...

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New Year, New (Home) Resolutions https://www.ncrealtors.org

January 16, 2018

New Year, New (Home) ResolutionsIf you’re like most of us, you rang in the new year with at least one ambitious resolution. Start exercising more? Travel more? Be a better person? Get more organized? Any of these are noble resolutions for 2018 and find themselves on tripsavvy’s Top New Year’s Resolutions list for 2018. But what ...

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Home Sweet Home Alabama!

January 16, 2018

Reasonably-priced property abounds in Alabama, and it sure isn't hard to find. Many metro areas are rich with revitalized, quaint, and historical pockets. In the smaller towns and rural counties Alabama property is very reasonably priced. Rural properties are the best value given the structure and land combined.  In Alabama, the largest real property category is located ...

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Get Your Home Organized in 2018

January 15, 2018

The holidays are over, the decorations are put away, and New Year’s resolutions have been made.  Was your resolution to get your home organized in 2018?  Holidays have the tendency to leave our homes in disarray, and the start of the New Year is a great time to get a fresh perspective on getting it together ...

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The ABC's of Have A Great Start to the New Year by Peter Giese

January 15, 2018

The chance to start anew makes the New Year’s holiday unique for almost everyone. New Year’s is not centered on a historical event, a memorial occasion or a religious remembrance. It is about the beginning of a new calendar. The fresh new calendar and end of year celebrations, spurs millions to rethink their opportunities in life. If ...

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Selling your home in the winter is a good idea.

January 15, 2018

Have you heard about the so-called ‘spring selling season’? You probably did, it always comes out as the best season in real estate sales… But have you ever thought about selling your house in December or January? How brilliant is really this idea?  Well, here is some food for thought that might actually make you list your ...

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Selling your home in January

January 15, 2018

Selling your home can be a very stressful time, which can be made even more difficult depending on the time of year. For example, there can be a lull in property sales during the Christmas period but January is the busiest time of year for selling homes. So how can you ensure your house or flat stands out from ...

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