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

Articles

Buyers Expect the House Hunt to Get Easier Share

May 04, 2021

© drogatnev - iStock / Getty Images Plus Buyers Expect the House Hunt to Get EasierShareMay 4, 2021Home buyers are up against limited inventories of homes for sale and struggling to triumph in a competitive market. But they’re hopeful for a turnaround over the next few months.Thirty-three percent of prospective buyers recently surveyed are hopeful that it ...

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Let’s Make a Deal! 7 Things You Can Negotiate When Buying a Home—Beyond the Asking Price

May 03, 2021

Whether you’re buying your first home or your 11th, there’s one thing we all think about when it comes time to negotiate the deal: wiggling that pesky price down as much as possible.Of course, price is important when you’re buying a home. But it’s not the only negotiable part of the sale—there are ...

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5 tips for buying a home in a seller’s housing market

May 03, 2021

Should you buy a home in a seller's market?There’s no doubt we’re in a seller’s housing market. With inventory at record lows, demand surging and prices on the rise, buying — even just finding — a home in today’s market is quite the challenge.Of course, nothing’s impossible. If buying a ...

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Foreclosures 2021: What to Expect in the Months Ahead

April 27, 2021

Forbearance and Foreclosures in 2020As of the end of 2020, about five and a half percent of active mortgages—about 2.7 million loans—were in the forbearance program, down from over 8% at its peak in March. That represents a large number of borrowers for servicers to deal with as they exit the program, but it doesn’t ...

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4 Tips to Maximize the Sale of Your House

April 26, 2021

4 Tips to Maximize the Sale of Your House Homeowners ready to make a move are definitely in a great position to sell today. Housing inventory is incredibly low, driving up buyer competition. This gives homeowners leverage to sell for the best possible terms, and it’s fueling a steady rise in home prices.In such a hot market, ...

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Owning a home for wealth accumulation.

April 24, 2021

Liberty Street Economics “Housing represents the largest asset owned by most households and is a major means of wealth accumulation, particularly for the middle class.”...

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7 Eco-Friendly Updates That Will Make Your Home More Marketable

April 23, 2021

7 Eco-Friendly Updates That Will Make Your Home More Marketable (reprinted from americanlifestylemag.com) Whether you’re preparing to sell your home or just looking to lower your carbon footprint, you may be surprised to know these green updates have a low up-front cost and can increase your return on investment.  Install low-emissivity storm windows. Low-emissivity ...

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Are We In A Bubble???

April 23, 2021

This Isn’t a Bubble. It’s Simply Lack of Supply.  Some HighlightsIn a recent article, Lawrence Yun, Chief Economist for the National Association of Realtors (NAR), discussed the state of today’s housing market.When addressing whether or not today’s high buyer competition and rising home prices are evidence of a housing bubble, Yun ...

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How To Buy A Home In An Extreme Seller’s Market (That’s Occurring During A Pandemic)

April 17, 2021

Natalie Campisi Spring is usually the start of the home-buying season, but 2021 might defy the old model, one that counted on seasonality—and the traditional ways we shop for houses.The pandemic has ushered in new rules for home shopping and buying. Instead of showing up unannounced to a packed open house—with finger-food platters that everyone picks ...

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Rx for Consumers' Credit

April 16, 2021

Bad credit can ruin a deal.Bad credit translates into financing rejections, prohibitively high loan rates, and failed deals. That's why real estate professionals need to educate themselves about the credit system and show prospective buyers the value of repairing their credit, if necessary, in order to qualify for a mortgage.Unfortunately for borrowers, most credit reports contain ...

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4 Major Reasons Households in Forbearance Won’t Lose Their Homes to Foreclosure

April 15, 2021

4 Major Reasons Households in Forbearance Won’t Lose Their Homes to Foreclosure There has been a lot of discussion as to what will happen once the 2.3 million households currently in forbearance no longer have the protection of the program. Some assume there could potentially be millions of foreclosures ready to hit the market. However, there are ...

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Intense Seller's Market Makes It Difficult For Buyers

April 15, 2021

According to:https://www.bankrate.com/mortgages/6-rules-for-homebuyers-in-a-sellers-market/There are 6 ways your buyer can compete with other buyers during this intense seller's market.1.) Move Fast2.) Go through full underwriting before shopping3.) Make an aggressive offer4.) But don’t overpay5.) Make an emotional connection with the seller6.) Be willing to wait until next year ...

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A 4 Step Guide to the Mortgage Process

April 15, 2021

tep 1: Get Prequalified.  WHAT HAPPENS: Answer a handful of questions about the house you’d like to purchase, your down payment and credit history. Your loan officer tells you what interest rate, monthly payments and closing costs you can expect to pay for your future mortgage.  DOES IT AFFECT YOUR CREDIT? Getting ...

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Staging Strategies for Your Home

April 15, 2021

Staging your home is all about putting the best foot forward for potential buyers. By highlighting its most desirable features, you can draw more interest for your home and leave a lasting impression that is sure to help you sell it more quickly. Here’s what you should keep in mind as you prepare for your next open house ...

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Buying Ina Limited Inventory Market

April 14, 2021

Buying In A Limited Inventory Market  By Sandra C. Brown, GRI, Broker Rule Number 1  Don't get carried way and waive rights         a) Don't waive inspections         b) Don't waive finance contigency         c)   Don't make earnest money nonfundable Rule Number 2 Be ...

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Don’t Be Fooled by Remarkable Real Estate Headlines

April 14, 2021

Don’t be impressed by the headlines reporting year-over-year housing numbers for the next several months (data covering March, April, May, and June). The data will most likely show eye-popping one-year increases.While the year-over-year jumps will certainly be striking, consumers should take these numbers with a grain of salt, as the situation highlights a short-term quirk in the ...

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Debt to Income

April 12, 2021

The debt-to-income ratio is a calculation that your lender will use to determine the amount of your monthly financial obligations compared to the amount of income you have. The debt-to-income ratio is an important tool for the lender.The more income you have compared to outgoing payments every month the better, your lender needs to justify you as a ...

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6 Simple Ways to Improve Your Garage Door Security

April 12, 2021

Image Credit: Stephen Paul for HunkerWhen thinking about home safety and protection, homeowners often overlook garage door security. Doing so creates a weak point in your home security strategy — and burglars know it. Homeowners often rely on a locking door or a garage door opener to secure the door and keep them safe, but crafty burglars can get ...

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Refreshing landscaping in the spring

April 10, 2021

Spring is a great time to refresh your yard, especially if you're looking to list your home.  Here is a list of ideas to help you give your yard the best curb appeal:1. Trim shrubs, limb up any trees, pick up any dead limbs that fell over the wintertime.2. Seed and straw bald spots on your ...

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Tips for Buying a Home During Spring

April 09, 2021

Credit goes to Elizabeth Weintraub from The BalanceTips for buying a home during the springtime ...

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Eliminating Odors

April 08, 2021

The following is a helpful article about getting rid of odors that you may not smell but your guests do!https://www.houselogic.com/organize-maintain/cleaning-decluttering/noseblind/?site_ref=spotlight...

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CDC Extends National Eviction Moratorium—but Tenant Advocates Argue More Help Is Needed

April 03, 2021

The U.S. Centers for Disease Control and Prevention has extended a nationwide ban on evictions for nonpayment of rent amid the COVID-19 pandemic.The moratorium, which was first announced under the Trump administration in September, will now last until June 30, 2021. The order was set to expire on Wednesday, based on the previous extension granted by the ...

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To Renovate or Not To Renovate Before You Sell

April 02, 2021

To Renovate or Not To Renovate Before You SellWhen thinking about selling, homeowners often feel they need to get their house ready with some remodeling to make it more appealing to buyers. However, with so many buyers competing for available homes right now, renovations may not be as vital as they would be in a more normal market. Here ...

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“Hidden” Costs of Purchasing a Home that Many Buyers Overlook

April 01, 2021

 For most people, buying a home is one of the biggest investments they’ll ever make. While your house budget likely includes the down payment and monthly mortgage payments, there are several often-overlooked costs associated with buying and owning a home—and even if you’re not a first-time buyer, some of these costs may come as a ...

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This Is the No. 1 Reason First-Time Home Buyers Are Wading Into the Hot Housing Market

April 01, 2021

The housing market is so hot right now that even modest starter homes are receiving multiple offers going six figures over the asking price. But the high prices and lack of homes on the market don't seem to be stopping many first-time buyers from throwing their hats into the ultracompetitive ring.The top reason that almost two-thirds of ...

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