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

Articles

Travel to the North Carolina Mountains!

February 05, 2018

The mountains of North Carolina have many hidden gems for travelers.  The Great Smoky Mountains run along the western border of North Carolina, and serve as a great place for fishing, kayaking, ziplining and hiking.  Asheville is the heart of the mountains and home to the famous Biltmore Estate, the largest home in America that sits on ...

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FHA LOAN LIMITS ARE SET

February 05, 2018

FHA Loan Limits Updated for 2018 Home prices are trending upward across the country. If you’re lucky enough to be independently wealthy, you might be able to buy your home with cash, but most people will have to get a mortgage. If you’re buying a home with a mortgage, every program has an upper limit on ...

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Is an FHA Mortgage Loan a Good Idea for First-Time Buyers?

February 03, 2018

Is an FHA Mortgage Loan a Good Idea for First-Time Buyers?Here’s a common question we receive: Is an FHA mortgage loan a good idea for first-time home buyers?This is not a yes or no question, because it varies from one borrower to the next. With that being said, the FHA loan program is often a good ...

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Get A Realtor

February 02, 2018

Get a RealtorPosted on February 2, 2018 in UncategorizedIs it possible for you to purchase or sell your home without a real estate agent? Possibly. However, what will that cost you? As a buyer, the seller pays for your agent. Regardless of buying or selling, a realtor’s greatest value is saving you time, money, and stress.A great ...

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FHA Loans And Cash Back At Closing

February 01, 2018

FHA Loans And Cash Back At ClosingFHA loans and cash back at closing-many borrowers want to know if they can take cash out on an FHA mortgage loan and the answer isn’t as simple as yes or no.FHA home loan rules allow cash back as a routine part of the transaction for FHA Cash-Out Refinancing and for ...

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Can Disaster Relief Grants Be Used As Money To Close An FHA Loan?

February 01, 2018

Can Disaster Relief Grants Be Used As Money To Close An FHA Loan?Can disaster relief grants be used as money to close an FHA mortgage loan?In the wake of the many natural disasters in 2017, many home owners in Texas, California, Puerto Rico, and other affected areas want to know what their options are to recover, rehab, ...

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Spring Buying Tips

January 17, 2018

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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Home Sweet Home Alabama!

January 16, 2018

Reasonably-priced property abounds in Alabama, and it sure isn't hard to find. Many metro areas are rich with revitalized, quaint, and historical pockets. In the smaller towns and rural counties Alabama property is very reasonably priced. Rural properties are the best value given the structure and land combined.  In Alabama, the largest real property category is located ...

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New Year, New (Home) Resolutions https://www.ncrealtors.org

January 16, 2018

New Year, New (Home) ResolutionsIf you’re like most of us, you rang in the new year with at least one ambitious resolution. Start exercising more? Travel more? Be a better person? Get more organized? Any of these are noble resolutions for 2018 and find themselves on tripsavvy’s Top New Year’s Resolutions list for 2018. But what ...

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Special Discount for Community heroes!

January 16, 2018

Every story has its own heroes, so thus every community. Every hero helps in strengthening every place wherever he is. So maybe, they deserve also even a simple reward.The Department of Housing and Urban Development has its mission of strengthening communities plus providing quality affordable homes for everyone. One of their programs is to let community heroes avail ...

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10 TIPS ON GETTING YOUR HOME READY FOR THE SPRING SELLING SEASON

January 16, 2018

10 tips to get ready for a spring sale1. Clean & declutter Make your move easier by beginning the packing process now. Clear out all clutter and remove items you don’t regularly use. Now is a good time to donate unused belongings. Throw away items that are broken or damaged. Shred and dispose of paperwork that is no ...

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7 Things No One Tells First Time Home Buyers

January 15, 2018

 First time home buyers are told many things. Parents exclaim “Save your money!” while friends say “Location, location, location!” Reasonable advice, for sure, but there are other elements of home buying that many first time home buyers aren’t told. Below are some of these elements that are often overlooked but are useful to ...

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Which Down Payment Strategy is Right For You?

January 15, 2018

WHICH DOWN PAYMENT STRATEGY IS RIGHT FOR YOU?You’ve most likely heard the rule - save for a 20% down payment before you buy a home. The logic behind saving 20% is solid, as it shows that you have the financial discipline and stability to save for a long-term goal. It can also help you get favorable rates ...

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The Tax Bill and The Mortgage Interest Deduction

January 15, 2018

 While we always want to see changes in the market and governmental policy that make homeownership more attractive, the changes to the Mortgage Interest Deduction (MID) in the recent tax bill probably (hopefully) won't negatively impact the majority of homeowners. What are the changes and how do they impact you? The MID will be capped ...

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Selling your home in January

January 15, 2018

Selling your home can be a very stressful time, which can be made even more difficult depending on the time of year. For example, there can be a lull in property sales during the Christmas period but January is the busiest time of year for selling homes. So how can you ensure your house or flat stands out from ...

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Selling your home in the winter is a good idea.

January 15, 2018

Have you heard about the so-called ‘spring selling season’? You probably did, it always comes out as the best season in real estate sales… But have you ever thought about selling your house in December or January? How brilliant is really this idea?  Well, here is some food for thought that might actually make you list your ...

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The ABC's of Have A Great Start to the New Year by Peter Giese

January 15, 2018

The chance to start anew makes the New Year’s holiday unique for almost everyone. New Year’s is not centered on a historical event, a memorial occasion or a religious remembrance. It is about the beginning of a new calendar. The fresh new calendar and end of year celebrations, spurs millions to rethink their opportunities in life. If ...

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Get Your Home Organized in 2018

January 15, 2018

The holidays are over, the decorations are put away, and New Year’s resolutions have been made.  Was your resolution to get your home organized in 2018?  Holidays have the tendency to leave our homes in disarray, and the start of the New Year is a great time to get a fresh perspective on getting it together ...

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7 Perfect Kitchen Upgrades for a New Look Without Remodeling

January 12, 2018

Kitchen renovations require time and money, taking several months to complete and costing tens of thousands of dollars. If you don't have the financial resources for a full-on renovation, there are a variety of ways you can give your kitchen a new look for a lot less. From refacing cabinets to replacing lighting, a few cosmetic tweaks can ...

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FICO® Scores on Approved Home Loans Drop Again

January 12, 2018

According to Ellie Mae’s latest Origination Report, the average FICO® Score on all closed loans dropped to 722 which is its lowest mark since April. The average includes all approved refinance and purchase loans.FHA and VA loans showed the most opportunity for millennials looking to enter the market with low down payments and even lower FICO® Score ...

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What You Need to Know About Radon

January 11, 2018

January 11, 2018, 2017 | The Boone Crew, Master Brokers | 828-726-9180When purchasing a home a radon test should be administered.  Many buyers have never heard of radon but based on the chart below it is something that needs to be evaluated before purchase.  ...

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Winter Home Checklist!

January 11, 2018

WinterDecemberInspect, and possibly change out HVAC filtersClean kitchen sink disposalClean range hood filterInspect your fire extinguisher(s)JanuaryInspect, and possibly change out HVAC filtersClean kitchen sink disposalClean range hood filtersInspect your fire extinguisher(s)FebruaryInspect, and possibly change out HVAC filtersClean kitchen sink disposalClean range hood filtersInspect your fire extinguisher(s)QuarterlyTest smoke/carbon monoxide detectorsTest garage door auto-reverse featureRun water and flush toilets in unused ...

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What Are Popular Home Renovations Worth in 2018?

January 11, 2018

Popular Home Renovations Worth in 2018Home renovations have historically been a great way to increase home value, but things may be changing.  According to Remodeling Magazine’s “Cost vs. Value Report”, in 2018 return on investment for an average renovation is only 56%.  Over the previous two years similar renovations would have returned 64% of their ...

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Ways to Save Energy Around the Home

January 11, 2018

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Small Home Benefits

January 10, 2018

There are tons of online “how much mortgage can I afford” calculators, but what if instead we analyzed how much mortgage we really need?  The small home trend is growing.  Here are a few benefits of owning a smaller home:Cost – This should be the biggest perk of buying or building a smaller home.  Less ...

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