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

Articles

What is PMI?

January 17, 2020

When you’re ready to buy a house, you’ll need to make a payment during the onset of the purchase, known as a down payment. Your down payment will be a percentage of the entire loan; this percentage varies and can be anywhere from 3.5% to 20%. When you make a down payment, you are taking ...

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How to Find the Best Mortgage Rates

January 16, 2020

Mortgage rates can change daily, and can vary widely depending on the borrower's personal situation. The difference can mean tens of thousands of dollars over the life of the loan. Here are some tactics to help you find the best mortgage rate for your new home loan.Shop AroundYou may be tempted to just use the lender who ...

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2020 Outlook: Real Estate Market Forecast

January 15, 2020

We’re in the midst of the longest economic expansion in U.S. history, and economists think there’s still room to grow. A recent survey by the National Association for Business Economics found that experts believe the U.S. economy will remain positive throughout 2020.1Still, given that recessions are a natural (and necessary) part of a business ...

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Thinking of turning real estate into an Airbnb?

January 15, 2020

Airbnb's have become a big hit among travelers and property owners.  If you're thinking of using a property as an Airbnb, here are some things to consider: You must be responsive to requests/reservations and concerns while you have a visitor.Do your best to maintain a high rating.  The more people that stay with you, ...

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Your Guide to Home Appraisal

January 15, 2020

You’ve found your dream home and now it’s time to cross all your T's and dot all your I's before it’s all your own. And one of the first items on your closing checklist the home appraisal. So, what exactly is that?The home appraisal is essentially a value assessment of the home and ...

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Instant Offers and creating your own instant sale by Sandra C Brown

January 15, 2020

One of the recent rages is the instant offer.   In these  cases the buyer tells you a price and you sell quickly.   But what have you left on the table.   Could you get a lot more by going through a regular sale.  Is really that much faster? Is it really that easy....

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New year, new trends!

January 14, 2020

2020 is expected to bring in interested buyers for the New Year as experts suggest that a market crash should not be a current worry. Home prices will slowly continue to rise as well as homeowner’s equity which is beneficial for homeowners not interested in selling currently, or for those hoping to get the biggest bang for their ...

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Why It's Still So Hard to Fix Credit Report Errors

January 14, 2020

You can successfully dispute mistakes, but it may take time and effort                                               Fixing errors in credit reports remains one of the biggest hassles consumers face. Yet while the problem has been well known for years, ...

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Housing Inventory Vanishing: What Is the Impact on You?

January 14, 2020

The real estate market is expected to do very well this year as mortgage rates remain at historic lows. One challenge to the housing industry is the lack of homes available for sale. Last week, move.com released a report showing that 2020 is beginning with the lowest available housing inventory in two years. The report explains:“Last ...

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5 Design Trends to Watch in 2020

January 13, 2020

Design will be all about simple, comfortable living in the new year. Consumers are looking to refresh their living spaces in a way that will both inspire and delight in 2020.Some traditional spaces are being re-imagined. In my market of Atlanta, for example, many formal living rooms and dining rooms are being transformed into office spaces and sitting ...

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North Carolina Down Payment

January 13, 2020

At the North Carolina Housing Finance Agency, we have assisted thousands of North Carolinians in purchasing homes. We offer an array of financing options to make buying a new home affordable. Our products include the NC Home Advantage Mortgage™, which offers down payment assistance up to 5 percent of the loan amount for first-time and move-up buyers.The Agency ...

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Top 4 Tips for Saving for Retirement (From Actual Real Estate Agents)

January 13, 2020

By Yazir PhelpsSaving for retirement can be tricky, especially for real estate agents whose income varies month-to-month and year-to-year. Remember, it’s never too early to start planning for your retirement. We asked agents across the country to share their retirement tips for real estate agents. Here are just some of the tips they provided.1. Take classes.Knowledge ...

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Home Improvements In The Winter

January 13, 2020

Winter is a good time for home improvements inside your home. With temperatures lowering and in some areas, winter storms abounding, you may have an abundance of time to tackle some or all of these.Install Programmable ThermostatTechnology has greatly influenced home appliances in recent years, especially when it comes to programmable thermostats. This project lets homeowners customize the ...

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Winter. A good time to increase curb appeal

January 13, 2020

The winter months tend to slow both buyer interest and sales in our SE Tennessee area. Home owners can increase buyer interest in area properties by taking action to enhance curb appeal.Sellers often overlook quick and easy steps to utilize a property's exterior assetes, i.e. shrubs and trees. If there are missing shrubs, replace them. Inspect ...

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11 Reasons Why Your Home Isn’t Selling

January 11, 2020

 By Charles Muotoh When you first put your house on the market, you might be hopeful for a quick sale—especially if you've put a lot of money into improving the house over the years and if the neighborhood is one that has historically attracted a lot of buyers. While you shouldn't panic if the house ...

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Who Killed the Deal? This HOME-i-cide Could Have Been Prevented.

January 10, 2020

Have a sale going bad? Who Killed the Deal?This HOME-i-cide Could Have Been Prevented.By Home Inspection CarolinaSomebody killed the deal. Who was it? Was it the Buyers Agent? Was it the Seller's Agent?  Was it the home inspector? None of these folks killed the deal but the homeicide could have been prevented. Bill Gallagher ...

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Goals 2020

January 08, 2020

Goals 2020January is a time to set goals.Have a plan. Put in your plan Work time-Family time -Fun time and God time.Not in that order. Have three goals for the amount of money you want to make example A-B-C.I have meet in some years one goal in other years all three.To meet goals figure ...

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Spying Sellers May Compromise Negotiations

January 08, 2020

Spying Sellers May Compromise NegotiationsWe do not own the rights to this article.  Buyer beware! Spy cams are a great security measure for sellers, however, buyers should keep their comments to themselves until they are away from the property.  ...

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Realtors kick-off 2020 on the right foot as home shoppers start to get busy in early January

January 08, 2020

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The average family can't afford to buy a home in 71% of the country

January 05, 2020

BY RACHEL LAYNEUPDATED ON: DECEMBER 27, 2019 / 1:56 PM / MONEYWATCHhttps://www.cbsnews.com/news/2020-real-estate-forecast-still-too-expensive-for-most-people-to-buy-or-rent-a-home/As a decade-long economic boom pushes into 2020, affording a home isn't expected to become much easier for the average American, according to recent reports.Average wage earners can't afford to buy a home in 344 of 486 counties, or 71% of the U....

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FHA Home Loan Limits: Facts You Should Know In 2020

January 04, 2020

What kind of loan do you need in the new year? Are you interested in an FHA One-Time Close construction loan to build on your own land? An FHA purchase loan for existing construction? You’ll need to know a bit about home loan limits and how they affect your transaction.The FHA and HUD announced higher loan guaranty ...

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2019 Coffee County TN Market Update

January 03, 2020

In the Middle Tennessee area of Coffee County , TN; the number of home sales was up 8% from 2018 to 2019. Even with limited inventory, the number of sales is increasing. Average home prices for 2019 had a 8.5% increase from 2018....

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What to Do with an Unfinished Basement

January 03, 2020

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Need Home Repairs & Live in TN?

January 02, 2020

Need Home Repairs?THDA provides funding for home repairs for low- and very-low income, elderly, disabled and special needs Tennesseans through the Tennessee Housing Trust Fund, Weatherization Assistance Program, Low-Income Home Energy Assistance Program, and the HOME Program. If you are a homeowner interested in receiving a grant or loan to rehabilitate your home, please call (615) 815-2030 so ...

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New Home Owners: 7 DIY Projects You Can Do Over the Weekend

January 02, 2020

As a new homeowner, you've got lots to do. Besides moving in, fixing up and making the place your own, you still have a life to lead and work to do. We understand you're busy and want to help. Whether you have an hour or all weekend, you can start (and finish) at least one of these ...

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