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

Articles

Millennials drive mortgage refinance boom, and lenders are scrambling

August 11, 2019

Diana Olick | @DianaOlickPublished 12:46 PM ET Fri, 9 Aug 2019 Updated 1:49 PM ET Fri, 9 Aug 2019 CNBC.comhttps://www.cnbc.com/amp/2019/08/09/millennials-drive-mortgage-refinance-boom-and-lenders-are-scrambling.htmlRefinance applications were up a stunning 116% this week compared with a year ago, according to the Mortgage Bankers Association. That has lenders scrambling to keep up.Millennials were especially reactive to the rate drop. In ...

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These three key factors in marketing your property will get it sold for a higher price on time.

August 09, 2019

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14 Garage Organization Ideas Under $50

August 09, 2019

Easy-to-afford solutions for your tools, sporting and seasonal gear (so you'll have room for your car, too). If you've got a garage, most likely you've got waaayyyy more than cars in there. It's the catch-all place to keep stuff (mostly) out of sight and out of mind.Put order to the chaos and protect ...

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Being  Prepared For Hurricane Season

August 08, 2019

Being  Prepared For Hurricane Season  Basic electronicsPack an extra phone charger in case you’re fortunate enough to have electricity, and a portable battery pack in case you’re not. Also stash a long-lasting LED flashlight. Pack a small hand-cranked or battery-operated AM/FM radio (with extra batteries).Personal needsWhile getting ready for a typical day, list every toiletry ...

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August 2019 Market Update Manchester TN

August 08, 2019

In the Middle Tennessee area of Coffee County , TN; the number of home sales was up 15.5% from 2018 to 2019. Even with limited inventory, the number of sales is increasing. Average home prices for 2019 had a 7.5% increase from 2018 YTD.The average days on the market are fairly stable this year to date  ...

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How to Create A Functional & Organized Kitchen

August 08, 2019

Have a place for everything – and everything in its place.  No matter the size or layout of a kitchen, there are plenty of tips you can utilize to keep it functional and organized. Drawer organizers. Use these compartmental organizers to create a drawer that makes it easier to find utensils and the other little odds and ...

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Emergency Preparedness

August 06, 2019

Emergency Preparedness Essentials Emergency situations such as fire, extreme weather and power outages can happen without warning. By taking the time to prepare for a possible disaster now, you and your family will be equipped to handle a crisis if one ever occurs. Fire Escape Route and Meeting Spot It can take a mere five minutes for a ...

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5 First-Time Homebuyer Mistakes and How to Avoid Them

August 06, 2019

By Robin Kencel, Contributor |July 30, 2019 Unless you are fortunate enough to be a first-time homebuyer that works in real estate, residential construction or interior design, purchasing a home can be a daunting process.Of the missteps many first-time homebuyers make, they frequently fall under five common themes:Not taking the time to learn about various locations and features ...

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Financing Your Home Renovation

August 06, 2019

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2.94 ACRES - 3 BEDROOM HOME - GARAGE

August 04, 2019

THIS HOME SCREAMS 'CHECK ME OUT!'Clean country setting3 bedrooms                           2 full bathrooms                Fireplace@1374 square feet               Detached building             Fencing          ...

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FHA Home Loan Down Payment Rules: Cash To Close Sources

August 02, 2019

FHA home loan down payment rules include requirements for the sourcing of funds used to make that down payment and/or provide cash to close the deal.Down payment funds and sources of cash to close must be properly documented by the lender to insure the cash does not come from unacceptable sources such as non-collateralized loans (payday loans, credit ...

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It is never too early to start finding deductions!

August 01, 2019

Disclaimer: This is not intended to be considered tax advice. For a full explanation, please contact your Tax Professional. As most homeowners know, owning a home allows us to take advantage of certain tax deductions. Some are well known, like interest on your home loan. Well how about adding some other deductions to lower that tax liability? Did you ...

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Down Payment Assistance Program!

August 01, 2019

If you qualify for a Great Choice Home Loan, you can also apply for down payment assistance in the form of a Great Choice Plus second loan worth a maximum of 5% of the home's purchase price to help with your down payment and/or closing costs.Great Choice Plus is a second mortgage loan on your home. There ...

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Credit Score Pointers for Home Buyers

August 01, 2019

When you’re ready to finance a new home, you may get thrown a curve ball—your credit score. A recent study by the National Foundation for Credit Counseling found that 36% of people think there's no reason to check their credit score, much less what kind of credit score you need to buy a house. The better ...

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Rules for Home Buyers Working With Real Estate Agents

July 29, 2019

BY ELIZABETH WEINTRAUB  Updated June 25, 2019Real estate agents love working with people, but there are always clients who may unintentionally cross the line. Here are a few simple protocols you can use while shopping for a home that will keep you out of hot water and on good terms with real estate agents, especially your own agent.01  ...

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The Surprising Profile of the Real Estate Investor

July 23, 2019

The Surprising Profile of the Real Estate InvestorOver 10% of all residential homes are purchased by investors, and that number continues to rise. Who are these investors?Many have speculated that the large institutional conglomerates such as Blackstone, American Homes 4 Rent, and Colony Starwood dominate investor purchases. However, a special report on investor home buying by CoreLogic, ...

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Bug Free Outdoor Spaces

July 23, 2019

I don't like bugs! Here in Tennessee we have more than our fair share of them. No guarantees but there are some tips in the article below that can help you enjoy your deck or patio a little more! https://www.houselogic.com/by-room/yard-patio/how-to-keep-bugs-away-from-patio/  ...

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Owners Spend More to Spruce Up Newer Homes Than Older Homes

July 22, 2019

Homeowners are spending more to improve their homes, not necessarily on home maintenance.Homes may be aging in the U.S., but don’t assume the age of a home is prompting more spending. A new report from HomeAdvisor, a home remodeling resource, finds that homeowners spent $3.70 less for every year since a home was built. ...

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Buying Your First Home? Make Sure You're Financially Prepared With These Steps Written by David Weliver|

July 18, 2019

Buying your first home can be one of the most exhilarating — and stressful — moments of your life. But armed with the right information, you can shop for a house, apply for a mortgage, and close the deal with confidence.Step 1: Determine how much house you can affordThe first thing to do before buying a home is ...

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2019 SC General Assembly Helps with Service Animals and Support Animals in Housing

July 17, 2019

We do not own rights to this article.  We give credit to the SC Association of Realtors and Byron King. https://www.screaltors.org/2019-sc-general-assembly-helps-with-service-animals-and-support-animals-in-housing/...

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You Don't Need 20% Down By Sandra C Brown

July 16, 2019

The present myth is it takes 20% down and a credit score over 700 to secure a home loan.  Lets take a look at several loan programs.  There are the program requirements, some lenders add their own requirements on top of these and they do vary.FHA the easiest to qualify for usually.FICO score 500 ...

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14 first-time homebuyer mistakes to avoid

July 15, 2019

Buying your first home comes with many big decisions and can be as scary as it is exciting. It’s easy to get swept up in the whirlwind of home shopping and make mistakes that could leave you with buyer’s remorse later.If this is your first rodeo as a homebuyer or it’s been many years since ...

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What To Negotiate When Buying A House

July 15, 2019

Whether you are a first-time homebuyer or a seasoned veteran, the negotiation part of the transaction can be a little daunting and stressful. However, it is necessary to ensure you are getting the best possible deal for your money. So, what should you consider negotiating when buying a home?Closing costs. Your closing costs are determined by a variety ...

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How To Improve Your Credit

July 15, 2019

Credit scores play a big role in determining whether you’ll qualify for a loan and what your loan terms will be. So, keep your credit score high by doing the following: Check for errors in your credit report.Thanks to an act of Congress, you can download one free credit report each year at annualcreditreport.com. If you ...

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To rent or own?

July 15, 2019

You’re paying for housing whether you own or rentSome argue that renting eliminates the cost of property taxes and home repairs. Every potential renter must realize that all the expenses the landlord incurs (property taxes, repairs, insurance, etc.) are baked into the rent payment already – along with a profit margin!!...

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