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

Articles

Conventional Loan Interest Rates Make History, FHA Loan Rates Still Incredibly Low

July 05, 2020

Low mortgage rates have stolen the headlines on some finance blogs; as a result, 2020 has seen high volumes of refinance loan applications. The low rates also has many renters potentially finding themselves in a more affordable position to become homeowners.But another development has taken things in an even more historic direction; in June 2020 conventional loan rates ...

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Real estate is essential, but still impacted, by COVID-19

July 03, 2020

By Holly Beyer, For The Daily Newsposted Jul 3, 2020 at 12:01 AM As COVID-19 spread through Eastern North Carolina, uncertainty spiked for local home buyers and sellers — a feeling that lingers.Jacksonville senior planner Jeremy Smith was putting an offer on his first house, and likely forever home, when coronavirus became a widespread concern and the ...

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TIME TO SELL

July 02, 2020

If you have knocked around the idea of selling your home, NOW IS THE TIME.Get top dollar for your home as the inventory SE TN and NW GA is very low.  Most properties are going undercontract within 48 hours and some times with multiple offers.  Just a few selling tips:- make sure your agent is ...

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Credit Requirements for FHA Loans

July 01, 2020

Good Credit History Makes it Easier to QualifyFHA loans provide great assistance to many first time home buyers by offering mortgage loans with lower down payments. While this is a benefit for many people, recent changes in policy may have put the loans just out of reach for some would-be homeowners with questionable credit history. For those interested ...

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6 Things Your Mortgage Lender Wants You To Know About Getting a Home Loan During COVID-19

July 01, 2020

Getting a mortgage, paying your mortgage, refinancing your mortgage: These are all major undertakings, but during a pandemic, all of it becomes more complicated. Sometimes a lot more complicated.But make no mistake, home buyers are still taking out and paying down mortgages during the current global health crisis. There have, in fact, been some silver linings amid ...

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Mining For HUD Buyers

July 01, 2020

Upon receiving a new HUD assignment, the first thing I do is to check the list history (if any). I then call the previous list agent and inform him/her of my new assignment. I then ask that agent if there is any continued interest from any of their previous buyers. Often, I receive a positive reply from the agent. ...

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Three Reasons to Get Pre-Approved for a Mortgage

July 01, 2020

Before you start your home search, you want to know how much you can afford, right? There are two ways to do this: with a mortgage pre-qualification and a mortgage pre-approval. As a home buyer, the pre-approval is more valuable to you during your home search.How Pre-Approval Helps You as a Home BuyerOne of the main differences between ...

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Three Reasons Homebuyers Are Ready to Purchase This Year

June 29, 2020

Three Reasons Homebuyers Are Ready to Purchase This Year recent survey by Lending Tree tapped into behaviors of over 1,000 prospective buyers. The results indicated 53% of all homebuyers are more likely to buy a home in the next year, even amid the current health crisis. The survey further revealed why, naming several reasons buyers are more ...

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5 Real Estate Trends to Watch

June 24, 2020

By Svitlana Gubriy Coronavirus has impacted not only the demand for hand sanitizer and facemasks, but also every corner of the market, including real estate. In March, when COVID-19 cases experienced a swift and steep uptick, real estate investment trusts (REITs) corrected sharply and quickly.Initial REIT underperformance in the time of COVID-19 stemmed from three major causes: rising ...

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How to Prepare to Go Back to Work During COVID-19

June 16, 2020

As many states and regions begin to slowly reopen, many workers are gradually heading back to the traditional office environment. Going back to the office during a pandemic is going to look a little different than it used to, so it’s important to follow certain steps to ensure your safety and the safety of others.Review Your HR ...

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Covid 19 and Real Estate

June 15, 2020

Covid 19 has been in the news for months, it’s everywhere you look.  Social Media, E News, Newspapers have many articles on Covid 19 but now that things are opening back up, you are thinking about selling your home or buying another.  How has Covid 19 effected Real Estate? During this time of quarantine a few ...

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Digital Marketing In The Time of Coronavirus

June 15, 2020

Digital Marketing In The Time of Coronavirus Credit goes to Tina Kocak-Hodapp, Adwerx...

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HIDDEN FEES TO BE AWARE OF WHEN PURCHASING A HOME

June 15, 2020

HIDDEN FEES TO BE AWARE OF WHEN PURCHASING A HOMEPurchasing a home is arguably one of the biggest financial decisions you will make in your lifetime. As you start your hunt, don't forget there will be other costs associated with your purchase then the price of the home. Here are 5 fees to keep in mind as you ...

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Market changes in May For TN Housing by Sandra C Brown, GRI

June 15, 2020

Housing Market Changes For may 2020 In Tennessee by Sandra C Brown, GRI Broker TN Realtors reported in May inventory was down by 14%TN Realtors also reported sales were off by 20%Inspite of this however the median price per square foot rose 6% Currently Fannie Mae, Freddie mac and FHA are offering forecloure forebearance.Portfollio loans - Jumbo and ...

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Getting rid of flying, biteing insects.

June 14, 2020

Mosquitos may have a tough sting, but they're wimps when it comes to standing up to a breeze. Patio fans can keep your outdoor entertaining space free from mosquitoes (and other little flyers) with the flip of a switch.And you'll get the benefit of a cool breeze....

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What is Homeowners Insurance and Do I Need It?

June 12, 2020

Post by: Nancy Braun, Showcase Realty What is Homeowners Insurance and Do I Need It?One of the many expenses overlooked by some buyers is the homeowners insurance.What is homeowners insurance? It is an insurance that protects your Charlotte NC home against unexpected events. Your home is more likely one of your most valuable assets, so it ...

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These Smart Mirrors Are the Fairest of Them All

June 12, 2020

Builders who specialize in smart homes, or want to add to their custom offerings will want to check out the latest smart mirrors.Anything accessible with a smartphone or tablet can be accessed through the Capstone Connected Smart Mirror and its Control Hub. Users can check traffic and news, watch videos, start the coffee maker, control music playlists, browse ...

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Record Low Mortgage Rates for the Long Term?

June 12, 2020

The Federal Reserve announced Wednesday that it would keep its benchmark interest rate near zero through 2022—a move that could set the course for record low mortgage rates for the next three years. The Fed’s key rate doesn’t directly affect mortgage rates, but it often influences them. The federal funds rate is what banks charge one ...

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Gardening Tips for Beginners

June 11, 2020

9 Gardening Tips for Beginners 1Know Your RegionIt may sound obvious, but not everything grows everywhere, so what you plant is determined by where you live. “Take a look at the characteristics of your garden area—from the climate to sun exposure,” says Brian Sullivan, Vice President for Gardens, Landscape, and Outdoor Collections at The New York ...

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16 Tips for Relocating to a New Town

June 10, 2020

Moving is always hard work but moving to a new town can be exceptionally hard, even when you are excited about your next chapter in life. As your real estate agent, I can refer you to an agent in your new town to help you find your new home, and also give you referrals for other services you will ...

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Home-Buying FAQ: Your Top Questions About Purchasing Property During the Coronavirus Pandemic

June 10, 2020

By Margaret Heidenry The coronavirus pandemic has thrown millions of people's financial plans off the rails, and that certainly includes home buying. If you were hoping to purchase a property soon, you no doubt have a lot of questions—about whether it's possible to buy or tour a house now, COVID-19's impact on home prices, and ...

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Family activities during a pandemic

June 10, 2020

With so many normal businesses closed, or operating at less than capacity, many families are home more and looking for activities they can do while socially distancing.  Here are a list of summer fun activities the whole family will enjoy:Park hopping - make a bucket list of all your local parks.  Playgrounds may still be off limits, ...

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Selling your home during COVID-19: Is it a good time to sell?

June 05, 2020

The common question is "Is it a good time to sell a property given the current situation?"Homelight recommends listing your home as soon as possible if you are planning to sell your property within the next 24 months. If the economy comes to a significant decline, it will be more challenging to sell your home in ...

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Mortgage rates are at historic lows — but the coronavirus pandemic is making homes less affordable for buyers

June 05, 2020

Published: June 4, 2020 at 10:48 a.m. ETBy Jacob PassyYoung home-buyers are at an especial disadvantage in today’s housing marketThere’s never been a cheaper time to get a mortgage for most Americans, but finding a home you can afford is whole other ball game entirely.The 30-year fixed-rate mortgage increased to an average of 3.18% ...

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How to Improve Your Homeowners Insurance Coverage

June 04, 2020

If you own a home, you need to have adequate homeowners insurance coverage. Nearly all mortgage lenders require it as part of the conditions for issuing a home loan anyway. However, as time goes on, you may find that you want to make certain changes to your homeowners insurance to create a better plan. Here are four ways in ...

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