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

Articles

Role of the Realtor

November 15, 2018

A REALTOR, whether acting as an agent for the Seller or the Buyer, is bound by the Code of Ethics to give fair and honest treatment to all parties in the transactionThe goal of the REALTOR and the buyer is to find a property which meets the buyer’s needs, within his/her budget and time frame and bring the ...

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FHA 203B Loan

November 15, 2018

The HUD REO FHA203B escrow repair financing availability is for all HUD foreclosures  for owner occupants. This loan is designed to be able to obtain a HUD foreclosure with minimal down payment. The minimum down payment required for the HUD FHA 203B escrow repair loan is only $100 you can also have HUD  pay up to 3% of ...

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Simple yet Beautiful Thanksgiving Decor

November 15, 2018

It’ll soon be time to prep the turkey and bake the pumpkin pie, Thanksgiving is just around the corner and I have some simple yet lovely décor to wow your family and friends. Dressing up your dining table with some fall flair is the perfect place to start, since you’ll more than likely use it to ...

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"Discover the Home's Past"

November 14, 2018

Discover the Home’s Past the Seller Won’t Tell You October 17, 2018 In the bewitching town of Salem, Mass., America’s original haunted city, we celebrate Halloween year-round. The site of the infamous Salem witch trials in the late 1600s, our rich history in the dark arts has become a tongue-in-cheek part of local life—even in ...

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Alabama Among States With The Nation's Lowest Total Mortgage Debt

November 14, 2018

Alabama among states with the nation’s lowest total mortgage debt Alabama is among the states with the lowest average mortgage debt. ((Jay L. Clendenin / Los Angeles Times))Alabama just misses out on the top ten among states with the nation’s lowest total mortgage debt.But experts say that could be changing.Consumer credit reporting agency Experian says ...

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9 Ways to Stop Thanksgiving From Sending Your Energy Bill Soaring

November 13, 2018

                         
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How to Keep Your Home Safe and Secure During the Holidays Hillary Johnston | Nov 1, 2018 | Safety Tips

November 13, 2018

1. Keep your travel plans offline.If you are planning to travel during the holiday season, be sure to keep your travel plans off your social media networks. Never post where you are going, when you are leaving, or when you will be back. This is prime information for a thief because he will know when your house will ...

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Four Methods To Deliver Great Customer Service As A Real Estate Agent

November 13, 2018

Four Methods To Deliver Great Customer Service As A Real Estate AgentCollin McDowell CommunityVoice Forbes Real Estate Council CommunityVoice, Post written byCollin McDowellTeam leader and partner of local real estate firm, Collin has conquered real estate in just 9 years as a trainer, coach, and team lead.Becoming a successful agent requires much more than HGTV property shows would ...

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5 Decorating Tips for the Holidays

November 12, 2018

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2 Myths Holding Back Home Buyers

November 12, 2018

2 Myths Holding Back Home BuyersUrban Institute recently released a report entitled, “Barriers to Accessing Homeownership: Down Payment, Credit, and Affordability,” which revealed that,“Consumers often think they need to put more money down to purchase a home than is actually required. In a 2017 survey, 68% of renters cited saving for a down ...

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FHA Loans:The solution for 1st time buyers

November 10, 2018

FHA Loans: The solution for first-time buyersOn: first time homebuyer, mortgage & pre-approvalTLDR:An FHA Loan is an affordable, accessible loan option that’s particularly suitable for first time home buyers. It protects lenders in the instance of borrower default and helps prospective home buyers who don’t have great credit, or who are making a low down payment ...

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To Build or To Buy

November 09, 2018

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What Investors Need to Know About Insurance for House Flippers

November 07, 2018

What Investors Need to Know About Insurance for House FlippersReading Time: 9 minutesHome insurance. Two words that probably aren’t at the forefront of an investor’s mind when they’re buying deals…but unfortunately, insurance for real estate investors is a necessity.Home insurance is complicated enough as it is, but it can become even more of a ...

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Are you Hardest Hit?

November 07, 2018

Are you Hardest Hit?  Unfortunately, life happens to people, regardless of if we plan on it or not.In some circumstances, some of life’s difficulties may cause a hardship that does not allow the home loan to be paid. This was quite common in the past 10 years or so, during the housing crisis. It was so ...

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Buyers Ten Commandments

November 06, 2018

The 10 Commandments of Buying a Home 1) Thou shalt not change jobs, quit your job or become self employed2) Thou shalt not buy a new vehicle or it might become your home3) Thou shalt not buy furniture with money set aside for closing4) Thou shalt not stop paying your current rent or mortgage payment5) Thou shalt not omit ...

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2 Myths Holding Back Home Buyers

November 05, 2018

Urban Institute recently released a report entitled, “Barriers to Accessing Homeownership: Down Payment, Credit, and Affordability,” which revealed that,“Consumers often think they need to put more money down to purchase a home than is actually required. In a 2017 survey, 68% of renters cited saving for a down payment as an obstacle to ...

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Taking Fear Out of the Mortgage Process

November 05, 2018

A considerable number of potential buyers shy away from jumping into the real estate market due to their uncertainties about the buying process. A specific cause for concern tends to be mortgage qualification.For many, the mortgage process can be scary, but it doesn’t have to be!In order to qualify in today’s market, you’ll need ...

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Higher FHA Loan Limits For 2018

November 05, 2018

The FHA has announced FHA loan limits for 2018, and the new numbers mean good news for those looking to buy a home in the new year. The “national conforming loan limit” for 2018 is set at $453,100, up from last year’s limit of $424,100 (see below). The higher limit means more potential borrowing power ...

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How to Find the Cheapest Mortgage When Rates Are Rising

November 03, 2018

Good deals are still available, and we'll show you where to shop for themThe days of super-cheap mortgages may be over, but it’s still possible to get a good deal if you know where to look.The average mortgage APR (annual percentage rate) recently topped 5 percent, the highest in a decade. And with the Federal Reserve ...

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Can I Get a Home Mortgage with a Low Credit Score?

November 03, 2018

Post by: Nancy Braun, Showcase RealtyCan I Get a Home Mortgage with a Low Credit Score? Dealing with home mortgage rejectionIf you think it is time to get your own Charlotte NC home but are afraid you’ll be denied because your credit score is less than ideal, you’re not alone. Many people would like to ...

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November 2018 Middle Tennessee Market Update

November 02, 2018

In the Middle Tennessee area of Manchester, TN; the number of home sales is up 11% from last year to date. Even with limited inventory, not only the number of sales, but the sales price is increasing. Average home prices for 2018 are up 7.5% vs. 2017 year to date.  Thinking of purchasing a home or selling ...

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NEED-TO-KNOWS FOR BUYING YOUR FIRST HOME

November 02, 2018

NEED-TO-KNOWS FOR BUYING YOUR FIRST HOMEBuying your first home can be one of the most exciting and rewarding experiences of your life, but it can also be a scary and stressful process. To ensure you have a smooth transaction from start to finish, familiarize yourself with the home buying process, note the tools and resources available to you, and ...

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FLOOD & OTHER PROPERTY INSURANCE

November 01, 2018

  FLOOD INSURANCE AND WIND DAMAGE AND OTHER TYPES OF PROPERTY INSURANCE I am a Real Estate Broker in Middle Tennessee – not an insurance agent – nor an expert on property insurance.  But I would like to provide some ‘go to’ websites that offer information that you may find helpful.   Your local insurance ...

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Five tips every aspiring homebuyer needs to know

November 01, 2018

Thinking about buying a home? Who better to turn to for advice than actual homeowners. Bank of America asked more than 1,200 homeowners what advice they would share with aspiring homebuyers, and here are the five tips that rose to the top:Start saving for your home earlyConsider maintenance costs and unexpected expensesCreate and stick to a budgetBuy ...

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5 Ways To Spruce Up Your Home For Sale

November 01, 2018

5 Ways To Spruce Up Your Home For SaleWith the help of a good agent and quality advertising, getting prospective buyers for your home should be an easy task, especially with the current buyer demand for properties. But you can also help the process along by presenting your home in its best possible light. Not only will you get ...

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