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

Articles

How the Coronavirus Is Affecting Home Buyers and Sellers Right Now

April 01, 2020

The coronavirus pandemic, and resulting financial crisis, stock market crash, and growing number of layoffs, could make the already serious housing shortage even more severe.Amid widespread fear and unprecedented measures, including social distancing and "shelter in place" procedures in especially hard-hit cities, nearly 28% of Realtors® are seeing fewer homes on the market as a result of ...

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COVID-19 dubbed a “natural disaster” by U.S. credit agencies. Take steps now to protect your finances

April 01, 2020

National emergencies spur the credit-debt cycleThe immediate effects of COVID-19 have hit U.S. households hard with layoffs, reduced hours, and business closures. And with this comes another, under-the-surface issue that many don’t think about right away: Credit scores. National emergencies like COVID-19 can be disastrous for U.S. credit, creating new consumer debt cycles that ...

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HUD PROVIDES IMMEDIATE RELIEF FOR HOMEOWNERS AMID NATIONWIDE CORONAVIRUS RESPONSE Suspends all foreclosure and evictions for the next 60 days

April 01, 2020

HUD PROVIDES IMMEDIATE RELIEF FOR HOMEOWNERS AMIDNATIONWIDE CORONAVIRUS RESPONSESuspends all foreclosure and evictions for the next 60 daysWASHINGTON - U.S. Department of Housing and Urban Development (HUD) Secretary Ben Carson, in consultation with the Trump Administration and the Coronavirus Task Force, today authorized the Federal Housing Administration (FHA) to implement an immediate foreclosure and eviction moratorium for single ...

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Social Distancing & Real Estate

April 01, 2020

You can do a lot of property research without ever leaving your couch, whether it is about the potential location of a home, HOA restrictions or financing opportunities, many factors go into purchasing a home or property. During this anxious time, and with more and more mandates for quarantining, Buyers who are still interested in purchasing real estate can ...

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SANITIZE YOUR HOME!!

March 24, 2020

I have had several clients contact me recently asking what can they do to help protect their families and those who come into their home for showings during this unprecedented era of Real Estate. Below is some good info to implement in your home, even if you do not have total strangers entering it and touching everything in sight!!...

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Buying or Selling Your Home? Follow These Three Tips to Ensure a Stress-free Real Estate Transaction

March 18, 2020

 Buying or selling real estate is a significant milestone in life. Frequently, it means that a new phase is starting, whether it's a new job, a new relationship, or moving to a new area. However, when the most basic steps are missed, this transition can be fraught with stress and disaster. To ensure a smooth deal, home ...

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What is PMI?

March 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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St. Patrick's Day

March 17, 2020

St. Patrick’s Day observes of the death of St. Patrick, the patron saint of Ireland. The holiday has evolved into a celebration of Irish culture with parades, special foods, music, dancing, drinking and a whole lot of green. Here are 7 interesting facts about St. Patrick's Day!1. The Real St. Patrick Was Born in Britain2. There ...

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The Sun is Shining on Solar

March 16, 2020

How much value does a solar installation add to a property? It’s a question increasingly on the minds of consumers who are interested in the cost-benefit analysis of residential solar installations, also known as photovoltaic systems. If you haven’t already sold a property with solar panels, you probably will soon, so it’s important to understand the ...

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Who You Need to Notify About Your Move

March 16, 2020

Provided by Alcova Mortgage, Eric Ceneski  With all the hassle and stress behind moving, it’s easy to forget about notifying the right people and organizations about your upcoming change of address. Following this helpful checklist will keep everyone you need to notify from falling through the cracks!Post OfficeChanging your address with the United States Postal Service ...

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Living In A Virus World

March 15, 2020

Having lived through several crisis in my live including wild fires, tornadoes, hurricanes,  swine flue, cuban missile crisis,  911 attack  and several other major outbreaks, I would  offer a few simple suggestions  for dealing with the new virus issue. 1) Stay calm2) Don't hoard3) Listen to official news from the CDC and other governmnet  ...

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Federal Reserve cuts rates to zero to support the economy during the coronavirus pandemic

March 15, 2020

Federal Reserve cuts rates to zero to support the economy during the coronavirus pandemicBy David Goldman, CNN Business Updated 9:03 PM ET, Sun March 15, 2020  New York (CNN Business)In a bold, emergency action to support the economy during the coronavirus pandemic, the Federal Reserve on Sunday announced it would cut its target interest rate near zero....

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Real Estate vs. Real Property: What's the Difference?

March 15, 2020

Real Estate vs. Real Property: An OverviewReal estate and real property certainly sound very similar, and the two concepts have a lot to do with each other, but there are subtle differences between them. Understanding those differences can help you understand the subtleties of the land you own and how you own it. While real estate often refers to ...

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Credit Inquiries

March 13, 2020

Credit Inquiries and Home LoansSince a minimum credit score is required for most loan programs, the first thing a lender will do is check to see if your score measures up – this is known as a "credit inquiry." There are two primary types of inquiries, a hard and a soft inquiry. A hard inquiry will have ...

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Real Estate Negotiation Tip

March 13, 2020

Allow other people to speak first; the important factor is not who talks… it’s who listens....

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Coronavirus: A Guide for REALTORS

March 13, 2020

Coronavirus: A Guide for REALTORS®  Why is NAR issuing this guidance?In response to the growing concerns about COVID-19, commonly referred to as coronavirus, NAR is providing this guidance to help REALTORS® respond to the coronavirus's potential impact on the real estate industry. As of March 4, 2020, the U.S. Centers for Disease Control and ...

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Giving back

March 12, 2020

 Today, the American economy seems to be roaring along. With this prosperity, I hope that people will stop and give themselves the experience of giving back.There are few things that are true win-win scenarios. This is one of them. Giving back provides a greater sense of community as well as a sense of accomplishment and satisfaction.If ...

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Tips for Spring Buyers

March 12, 2020

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 Ways To Make A Big Home Feel Cozy

March 10, 2020

 The tiny house movement may have gained popularity in recent years, but many Americans still dream of living in a big home with spacious rooms, high ceilings and sprawling open-concept floor plans. But after the furniture is all moved in, some homeowners have issues with purchasing a home that’s so big. A spacious house can actually feel ...

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Summertime is the perfect time for outdoor barbeques, beach, water adventures, lemonade, yard sales, traveling and of course purchasing a new family home!

March 09, 2020

For most people, moving from one home to another can be wearisome. Scheduling your move is one great way to make the experience a smoother and happier one for you and your entire family. When is the best time to move? Many people will say that summertime is the most ideal time to pack your bags and call ...

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Outdoor Spring Cleaning Checklist

March 09, 2020

Clean out dried leaves and debris from gutters and around shrubbery.Pressure wash concrete driveway, walkways, decks & patios.Service A/C unit.Prune trees and shrubs.Remove dead plants.Caulk around doors and windows.Inspect and repair law equipment.Make sure window screens are in good operation for spring & summer.  Replace any holes where bugs could get ...

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Ten Spring Cleaning Ideas

March 09, 2020

The month of March brings spring, and with spring comes bright budding flowers, longer days, warmer weather, and spring cleaning. There is no better way to shake off the dreariness of winter than a freshly cleaned home ready to welcome the season. Here are 10 easy ways you can clean your home for spring.1. Open the WindowsThere's ...

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Product Knowledge. "The More You Know"

March 06, 2020

I always make it a point to establish contact with neighbors during my initial visit, and give them my business card. This accomplishes several things. First, I establish a rapport. They may be more willing to call me if the see a security issue. Second, they may have a friend who has expressed an interest in purchasing the property. ...

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8 Tips To Make Your Listing Picture Perfect

March 06, 2020

8 Tips To Make Your Listing Picture PerfectCredit goes to NAR and Working with Sellers, Staging....

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GET YOUR HOMEOWNER'S INSURANCE POLICY OUT!

March 05, 2020

In Putnam County, Tennessee, we have had the worst natural disaster in it's history, this week. An EF-4 tornado hit here,  leaving 18 dead and many injured - an epic number of homes completely gone and more damaged.   Through this occurance some familys are finding they are under insured,  that they have actual ...

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