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

Articles

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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How daylight savings time affects the real estate market

October 30, 2018

Love it or hate it, we are about to Fall Back.  Despite gaining an extra hour to sleep in, many people have a hard time adjusting as the days seem much longer (have another cup of coffee!). Did you know daylight savings really does affect the real estate market?HOW DAYLIGHT SAVINGS AFFECTS The REAL ESTATE MARKET1....

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Establishing Credit as a Young Adult

October 30, 2018

Establishing a good financial history is important.  It creates financial power, making you more desirable to lenders in the future (given you also have a good debt-to-income ratio and other factors a lender is going to examine).  It’s easy to start out on the right foot if you follow these simple steps.  Being disciplined with ...

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Affordable Home Ownership

October 28, 2018

I know with the rising prices there are alot of people that believe that finding an affordable home is not possible anymore. Did you know that HUD properties are one of the last remaining sources for affordable homeownership? The $100 downpayment option offered in some states drastically reduces the out of pocket expenses. Not to mention the ability to ...

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30 DAY DECLUTTER CHALLENGE

October 26, 2018

This is something I have been giving to Buyers and Sellers. I did not create form and it did not have a name on . Just wanted to Share.30 DAY DECLUTTER CHALLENGEChecklistEmpty out one junk drawer Purge your closet Go through your movie collection Clean out your television stand Go through your mail pile Clean off your kitchen tablePurge ...

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Unique Ideas For Your Basement

October 22, 2018

Published on AL.com by RE Resources TeamA basement can add some much needed square footage to your home. Instead of just using it for storage, consider some unique basement ideas to turn this space into something fun and functional for the whole family. While an unfinished basement can increase the market value of your home, a finished basement ...

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Mold prevention & Remediation

October 22, 2018

MOLDPosted on October 21, 2018 in UncategorizedMold is a common household occurrence. However, there are some very severe cases that can cause damage to the entire structure and illness to any inhabitants. https://youtu.be/1dkMK8Mbts8If you are buying a home, be sure to include a mold inspection. If you are selling a property, be proactive and have the home ...

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Holiday Home Marketing

October 19, 2018

Some people shy away from selling in the “off” season but nowadays, with help from the internet, people buy homes everyday no matter the season. Selling your home during the holidays could mean less competition.  Holiday season can be very beneficial for sellers because nothing makes a house seem like home more than the holidays, serious sellers ...

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Why Is My Credit Score Important When Buying a Charlotte NC Home

October 19, 2018

Post by: Nancy Braun, Showcase Realty Why Is My Credit Score Important When Buying a Charlotte NC HomeCheck your credit score before you buyLike many first time home buyers, you are probably excited to look for your Charlotte NC home. Maybe you’ve even started looking at listings of homes, searching for homes that may fit your requirements....

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5 Tips For Starting Your Home Search

October 17, 2018

In today’s real estate market, with low inventory dominating the conversation in many areas of the country, it can often be frustrating to be a first-time homebuyer if you aren’t prepared.In a recent realtor.com article entitled, “How to Find Your Dream Home—Without Losing Your Mind,” the author highlights some steps ...

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YOU ARE UNDER CONTRACT!! NOW WHAT??!!

October 17, 2018

Moving is most often the most stressful part of selling a home. Here is a list of 23 tips to help you tackle the task and hopefully help you keep your sanity during the process  1. Start by assembling a teamRecruit family and freinds to cut down on the moving costs2. Find out what your moving company will ...

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Should You Buy A House If You’re In Debt?

October 16, 2018

Should You Buy A House If You’re In Debt? Geoff Williams © Rawpixel via Getty Images You can buy a house while you're in debt. Whether that's a good idea depends on a few crucial factors.Being in debt when you want to buy a house can be overwhelming. After all, you know it’s ...

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Home Insurance Check Up, Part 1:

October 16, 2018

 Assess your liabilities this fallJean McLean >>> TwitterIt’s fall, y’all. That might mean…… Gabrielle just moved into her freshman dorm room.… Anthony is excited about participating in his first fall travel ball season.… Aunt Annie just bought a trampoline to keep the kids and their friends busy during football gatherings.Sam ...

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Cades Cove, Tennessee. A “must see.”

October 16, 2018

                Most people will have heard of the Great Smoky Mountains National Park, which straddles the border between eastern Tennessee and western North Carolina. Established in 1934, it covers approximately 816 sq. miles. The park was visited by an estimated 11+ million people last year. ...

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6 Ways to Refresh Your Bathroom on a Budget

October 16, 2018

Match your MetalsGive your bathroom continuity by matching the cabinet knobs to the shower head and water faucets. And don’t be afraid to explore new options. Hint: brass is back! ReGlaze that old tubRetro colors in old bathrooms can be quirky and fun. Usually, though, they just don’t work. Rather than replacing that green tub ...

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Destructive Termites in North Carolina

October 16, 2018

Destructive Termites in North CarolinaArticle information from www.termite.com/termites/north-carolina.html Submitted by Paula Fields, My Favorite Realty Inc. PFields2@triad.com 336-543-8683 It is critical to identify the species of destructive termites to formulate an appropriate control program. There are two main species of destructive termites in North Carolina. Eastern subterranean termites constantly search for new food ...

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Baby Boomers are Downsizing, Are You Ready to Move?

October 16, 2018

For a while now baby boomers have been blamed for a portion of the housing market’s current lack of housing inventory, but should they really be getting the blame?Here’s what some of the experts have to say on the subject:Aaron Terrazas, Senior Economist at Zillow, says that “Boomers are healthier and working longer than previous ...

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