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

Articles

Home Improvement Projects Are Worth Cost and Time, Says Realtor® Survey

October 11, 2019

October 3, 2019Media Contact: Quintin Simmons 202-383-1178WASHINGTON (October 3, 2019) – Homeowners who decide to undergo a home improvement project, whether it be interior or exterior modifications, often find that the task was worth the investment and time, according to a new report from the National Association of Realtors®, with insights from the National Association of the Remodeling Industry....

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Over the Rainbow

October 10, 2019

Most are familiar with the song Somewhere Over the Rainbow.  Also most believe there is a pot of gold at the end of the Rainbow. Well we are coming upon the rainy season and there is no better time to find your pot of gold in a HUD Home. It seems like the opportunity is not as great ...

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Hazard Insurance or Homeowner's Insurance?

October 10, 2019

Hazard Insurance or Homeowners insurance?  What's the difference?  As a Realtor, I get this question a lot.  In my area, the two terms are used interchangeably.  they are one in the same.  When you are purchasing a home by obtaining a lender financed mortgage, the lender requires that you ahve homeowners insurance to ...

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Keys to an Open House SUCCESS!

October 09, 2019

DECLUTTER, DEPERSONALIZE and CLEAN!Remove family pictures. Remove knickknacks and personal items.  If you’re planning to move, this is a great time to get a head start by purging/selling any unnecessary things (less to move later!)  Wild-colored walls should be painted to neutral, any wall decals removed.  Wash windows, consider having carpets professionally cleaned, ...

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Self-employed? Things to know when applying for a mortgage

October 09, 2019

Curious if being self-employed could stop you from being eligible for a home? Know that you still have options for homeownership. You should be aware of a few things, however, to ensure your process is as smooth as possible. Tips to know as a self-employed applicant: Have your business and personal tax returns available and handy. Typically, your ...

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How to Get a Mortgage Preapproval

October 09, 2019

HAL M. BUNDRICK, CFPA mortgage pre-qualification can be the first move“A pre-qualification is a conversation,” says Yael Ishakis, a mortgage loan officer with First Meridian Mortgage in Brooklyn, New York. A mortgage preapproval takes a much deeper dive into your personal finances than a pre-qualification, including the pulling of a credit report. But a conversation is the ...

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Downsizing vs. Rightsizing

October 09, 2019

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How to Declutter Your Charlotte NC Home in Five Easy Steps

October 05, 2019

Post by: Nancy Braun, Showcase Realty  An achievable goalThe new year brings a strong desire to make a change, but you don’t need the new year excuse to keep your home tidy and clean.If you are constantly battling with the stress of keeping your things in your Charlotte NC home organized, here are five easy ...

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THREE LEADING SOURCES OF HOUSEHOLD FIRES

October 04, 2019

 By: REBAC StaffSmokey Bear famously said, “Only YOU can prevent forest fires.” But what about fires closer to home? What steps can you take to reduce risks to yourself, your loved ones, and your property?Fire prevention starts with awareness. Here are three home fire hazards that may be lurking in your home, along with safety ...

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Wood Burning Fireplace and Chimney Cleaning and Inspection

October 04, 2019

              As cold weather approaches, a home owner is more than likely to use their wood burning fireplace, one of the most important focal points in a living or family room. Specially during the holidays, and throughout the remaining of the winter months as a second heat ...

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FHA Loan Down Payment Rules: When More Is Required

October 04, 2019

FHA home loan down payment rules allow for a low 3.5% down for borrowers who qualify with FICO scores in the 580-or-above category.FHA loan minimums do not address lender standards, which may be higher, but that is one reason why it’s important to shop around for the right FHA lender.The low FHA loan down payment ...

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October 2019 - HomeTalk

October 03, 2019

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Benefits of FHA loans

October 02, 2019

Benefits of Using an FHA Loan to Buy a HouseBy Brandon Cornett | © 2019, all rights reserved | Duplication prohibitedFind out if you're eligible for an FHA loan. LendingTree.comWhat are the benefits of using an FHA loan to buy a house? What advantages does this program offer when compared to a regular mortgage loan? Here’s ...

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Fall Lawn Care

October 02, 2019

7 Steps for Fall Overseeding; Fall FertilizingFall is a very important time for lawns. Read on for fall lawn care tips on Aerating, de-thatching, fertilizing and more tips on how to keep your lawn healthy all year long. 7 Steps for Fall Lawn Care if Overseeding Step 1. Mow Lawn ShortMow you grass to a height of ...

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NEW PRICE!!! HOME & 3 CAR GARAGE - $85,050

October 02, 2019

Spacious layout - multiple windows provide good natural light and pretty views of the countryside. Two covered porches, level yard with mature landscaping. A rarity to find is the three car detached garage!This home qualifies for $100.00 down payment program, for HUD Owned Homes, subject to a new FHA appraisal. Seller may contribute up to 3% for ...

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TN Down Payment Assistance Program!

October 01, 2019

You have a choice in a home loan. Make it a Great Choice.As a state agency, THDA created the Great Choice Home Loan program to make homeownership available and affordable for Tennesseans of middle/moderate income.About Great Choice Home Loans:30-Year Term - Your monthly payments are spread out across 30 years to keep them affordable.Fixed Interest Rate ...

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6 Planning Strategies to Help First-Time Homebuyers Become House-Rich

October 01, 2019

6 Planning Strategies to Help First-Time Homebuyers Become House-Rich The largest and most important investment for most people is their home. It is your shelter, a tax benefit and, after you have paid down the mortgage, a source of wealth you can tap in your retirement.If you are a first-time home buyer, here are six guidelines to assist ...

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FACING FALSE FEARS OF THE HUD ASSET IN NEED OF REPAIRS

September 30, 2019

Many buyers shy away from properties that need repairs. Uneduacted agents do not assit the buyer populations in this matter either.   When purchasing an asset from HUD there are many benefits to an FHA buyer.  One of the best valued benefit is allowance of up to $10,000 in repairs. These repairs can be escrowed into ...

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WHAT TO KNOW About Title Insurance

September 30, 2019

Title insurance protects your ownership right to your home, both from fraudulent claims against your ownership and from mistakes made in earlier sales, such as misspellings of a person’s name or an inaccurate description of the property. In some states it is customary for the seller to purchase the policy on your behalf.Your mortgage lender will require ...

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A Feature That May Help Sell HUD Owned Property

September 25, 2019

There is a property feature that some people don't think about, and that is shade trees. When a property is located in an area that has seen record-breaking temperatures, a simple thing like a shade tree could entice a buyer to make an offer on a HUD property. Trees definitely have an ability to keep a house cooler, ...

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Why Owning a Home is a Better Investment than Renting

September 23, 2019

Owning a home is a great long-term investment. If it’s time for you to get a place of your own, purchasing a home can be one of the smartest financial decisions you make.When you make rent payments, your paycheck goes directly into your landlord’s pocket. On the other hand, a mortgage payment can be considered an ...

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If I have an Agent, how do they get paid?

September 23, 2019

In the real estate arena today, it is advisable to have a Realtor who represents your best interests when purchasing a home.  There are multiple ways that your agent can be financially rewarded for their work in regards to representing you in a transaction when buying a home.  Often times, the seller has negotiated a fee that ...

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What Buyers Need to Know About HOAs

September 20, 2019

What Buyers Need to Know About HOAsWhen searching for a home, you may end up selecting a property in a community with a Homeowners Association (HOA). Before you buy, it’s important to know how an HOA works and what they mean for you.According to a recent article on realtor.com,“In a nutshell, an HOA helps ...

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This Is the Best Time to Buy a House, According to Real Estate Experts

September 19, 2019

BY ANDRA CHANTIMNo matter how many times you’ve done it, purchasing a new home can be intimidating, stressful, and of course, incredibly exciting. Before you jump online and start drooling over wraparound porches, come up with a game plan. In addition to the advantages you’ll gain from finding the right realtor and researching your local market, figuring ...

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Experiencing 'Purchase Anxiety'? How to Calm Your Nerves Before Committing to Buy a New Home

September 19, 2019

Whether this is your first big purchase or your family is moving to a new location or looking for more space, buying a home has its share of ups and downs. It's perfectly normal to feel anxious about whether or not you've found the right property. Here are some things you can do to make yourself feel ...

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