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

Articles

Need the Independence of a Home?

July 01, 2019

There are so many different ways to become a homeowner but buying a HUD home requires a knowledgable agent. It can be an easy process with a veteran Realtor. As your buyer's agent how many HUD homes he/she has sold and when was the last time they closed one. You can also find a list of Realtors on ...

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Why You Should Invest in a Rental Property

July 01, 2019

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FHA Home Loan Mortgage Rates

July 01, 2019

Just as we headed into 2019, the FHA and HUD announced higher FHA loan guaranty limits for the new year, giving most counties a boost in the dollar amount the FHA would back for an FHA mortgage loan.Now, as we read headlines from reputable sources including Marketwatch, about home loan interest rates, it seems like now is a ...

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Is There Such A Thing As A Refund For FHA UFMIP Mortgage Insurance?

July 01, 2019

Is there such a thing as a refund for FHA Up-Front Mortgage Insurance or FHA UFMIP? This mortgage insurance premium is required on FHA loan transactions and must be paid either in cash at closing time or must be financed into the loan amount.FHA loan rules do not allow a borrower to pay a portion and finance a ...

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Why do I need to REKEY?

June 28, 2019

Everyone waits for the closing day where KEYS are the reward for all the success throughout the buying process for your new home.  As a veteran Realtor, it is my advise to have your new home REKEYED regardless of who you purchased it from.  You never really know who may have a key to your new home....

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Three bedroom home & THREE CAR GARAGE

June 28, 2019

Wow!   When can you buy a 3 bedroom home with a 3 car garage for $105,000?I can answer that!   Right now is when.Where is at a pretty country setting in Cookeville, Tennessee.   15391 Dodson Branch Hwy.3 bedrooms, 2 baths, @1512 square feet heat living space.  Lot size @0.69 ac - ...

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The Property Brothers Point Out The Worst Renovation No-NO

June 28, 2019

You may find yourself considering a purchase of a HUD Owned Property, but find it a bit initimidating if the house needs some updating or improvements.   There are a wealth of ideas of 'how to' on line.  Here is a recent article found on Realtor.com, by Lisa Johnson Mandell | June 6, 2019.  You ...

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Life in The Great Smoky Mountains

June 28, 2019

Life in The Great Smoky Mountains of Sevier County TN by Sandra C Brown, Broker Dream Catcher Realty LP, Sevierviile TN    Sevier County is the gateway to the Great Smoky Mountains and has over ten million visitors each year.  It was settled by the Scottish Irish in the early 1800's who came from Southern ...

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PMI

June 26, 2019

Whether it is your first time or your fifth, it is always important to know all the facts when it comes to buying a home. With the large number of mortgage programs available that allow buyers to purchase homes with down payments below 20%, you can never have too much information about Private Mortgage Insurance (PMI)....

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5 steps to buying a foreclosed home

June 26, 2019

Here are some tips to prepare you before buying a foreclosed home:Find an agent specializing in foreclosures.Get a preapproval letter.Look at “comps” before making an offer.Bid higher if other foreclosures are selling fast.Be prepared to buy a foreclosure in “as-is” condition.1. Find an experienced real estate agentHire an agent who is knowledgeable ...

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2019 Real Estate Trends: What you need to know

June 24, 2019

2019 Real Estate Trends: What you need to know.  Credit goes to Dave Ramsey...

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What is a Property Appraisal?

June 21, 2019

A property appraisal is conducted to determine a home’s current value. This is done when homeowners are looking to sell their home or refinance. Value is dependent upon many different factors including location, amenities, home renovations, etc. The appraised home will also be compared against other similar homes that have recently sold in the neighborhood.Why is an ...

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Young First-Time Buyers Are Saving for Their Dream Homes

June 21, 2019

Young First-Time Buyers Are Saving for Their Dream Homes Young buyers (Millennials & Gen Z) have waited longer than previous generations to enter the housing market for their first home. However, this hasn’t stopped them from dreaming about the home they will eventually buy. Many spend hours searching listings and building Pinterest boards of their favorite home features....

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First Time Home Buyers, For Buyers, For Sellers, Housing Market Updates, Interest Rates, Move-Up Buyers 3 Things To Know In The Housing Market Today!

June 15, 2019

A lot is happening in the world, and it’s having a direct impact on the housing market. The reality is this: some of it is positive and some of it may be negative. Some we just don’t know yet.The following three areas of the housing market are critical to understand: interest rates, building materials, and the ...

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What to Repair Before You List

June 15, 2019

When you’re getting ready to list your home, it’s of the upmost importance to ensure you are showing it in the best light. Taking time to highlight its strengths and fix up some of its possible weaknesses can make a big difference in how fast it sells. Here are five recommended repairs to make before selling your ...

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Serious About Selling?

June 15, 2019

 We all want to be good neighbors. But when it comes to selling your home, it’s not just about “keeping up with the Joneses.” It’s about outshining them at every opportunity!If you’re looking to sell your home fast and for the most money possible, you’ll need a strategy to set it ...

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Neighborhood Amenities that Could Increase Your Homes' Value

June 15, 2019

 Hiking TrailsMature TreesHistoric HomesRetail & Essentials NearbyWalkabilityOrganized Community GroupsDog ParksFuture AmenitiesMaster  Brokers | June 2019 | 828-726-9180...

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Summer Home Checklist!

June 14, 2019

 Summer Home ChecklistJune☐ Inspect, and possibly change out HVAC filters☐ Clean kitchen sink disposal☐ Clean range hood filters☐ Inspect your fire extinguisher(s)July☐ Inspect, and possibly change out HVAC filters☐ Clean kitchen sink disposal☐ Clean range hood filters☐ Inspect your fire extinguisher(s)August☐ Inspect, and possibly change out HVAC filters☐ Clean kitchen sink disposal☐ Clean range hood filters☐ Inspect your ...

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2019: Year of Surprises? Rising interest rates, mid-term elections, GSE initiatives, and outcry for more affordable housing … predictions on a challenging future.

June 14, 2019

The other shoe dropped and scarcely anyone noticed.That’s one way of looking at the market’s surprisingly mild response to the Tax Cuts and Jobs Act of 2017 on low-income housing tax credits (LIHTC).Should you expect more of the same in 2019?It’s not too early to start asking the question of key industry players, ...

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Which paint color-so many choices!

June 14, 2019

There are so many paint colors, shades, finishes, and undertones its overwhelming! And then the lighting! The light in each room can really change the same color from one room to the next! The same color looks great in the kitchen but entirely different in the living room.  If you are like me you can end up with ...

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7 Pricing Myths You Need To Get Past

June 13, 2019

When homeowners are preparing to put their properties on the market, one aspect is usually foremost in their minds: money. Setting the asking price accurately can mean the difference between getting an offer quickly and having a house languish for months, drawing little interest.With that in mind, it’s important that potential sellers block out a lot of ...

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Finance a Home, Creatively

June 13, 2019

Investigate local, state, and national down payment assistance programs.These programs give qualified applicants loans or grants to cover all or part of your required down payment. National programs include the Nehemiah program, Getdownpayment.com, and the American Dream Down Payment Fund from the Department of Housing and Urban Development.  Explore seller financing.In some cases, sellers may ...

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Get Your Home Ready to Sell

June 13, 2019

Ready to sell your home but not sure how to get it ready for the market? Here are a few tips to help you get started! Declutter- Rid the entryways and mud rooms of extra coats, bags, and boots- Keep countertops clear- Straighten kitchen and bathroom cabinets Clean Like You’ve Never Cleaned Before- Clean windowsills- Dust shelves- ...

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3 Things To Know In The Housing Market Today!

June 12, 2019

A lot is happening in the world, and it’s having a direct impact on the housing market. The reality is this: some of it is positive and some of it may be negative. Some we just don’t know yet.The following three areas of the housing market are critical to understand: interest rates, building materials, and the ...

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Mortgage Rates Drop to 2-Year Lows

June 12, 2019

June 7, 2019  This marks the sixth consecutive weekly decline for mortgage rates, leaving some borrowers wondering how low will they go. The 30-year fixed-rate mortgage averaged 3.82% this week, the lowest average since September 2017.“While the drop in mortgage rates is a good opportunity for consumers to save on their mortgage payment, our research ...

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