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

Articles

Cleaning Your Home to STOP Colds & Flu from Spreading

February 14, 2018

Cleaning Your Home to STOP Colds & Flu from Spreading Catching a cold is miserable, contracting flu is even worse. It's often hard to avoid, but a lot can be done to stop these infections from spreading like wildfire around the house."You don't need bucket loads of bleach, just targeted hygiene," says professor of ...

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Escrow on the go!

February 14, 2018

Being secured is always on our mind when it comes to house purchasing. On the side of buyer and seller, we always need someone who could assist us as we close the deal. Here comes the Escrow, which is very important because it protects both sides.Escrow, is a hired third party (escrow holder), who assures that the buying ...

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Happy Valentine's Day from ERA Wilder Realty

February 14, 2018

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Interest Rates on the Rise

February 13, 2018

Interest Rate Increase  We have enjoyed a long streak with low interest rates.   Looks like the streak is about to end.The year started with rates holding below 4% for 26 straight weeks.  Within a two-week period, the average 30-year rate nationwide raised to 4.15% according to Freddie Mac.Now FHA Loans averaged 4....

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Tax Benefits for Landlords

February 12, 2018

February 12, 2018 | The Boone Crew, Master Brokers  If you think you are interested in owning rental property, there are several things to consider.  However, this article will review the advantages of owning rental property which are the tax deductions that you are allowed to take with rental property.  Some of these include: Advertising Cleaning & ...

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Why Do Real Estate Agents Ask For A Pre-Approval?

February 12, 2018

One of the most common home buying myths that exists is that when buying a home, you should find a home before getting a pre-approval.  There are some real estate agents who will show a home, or several homes, to a buyer without knowing whether a buyer is pre-approved or not.  This is a trait that you ...

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Tips for Buying Your Next Home

February 12, 2018

Buying a house can be stressful...especially if it is your first home buying experience. However, you do not need to be overwhelmed if you are properly prepared. Many people struggle with such a major pruchase. This article is here to help you gain more knowledge and help you on your journey to finding the perfect home. Here are ...

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Fannie Mae's Increased DTI Ratio on Conventional Loans Open More Doors for Home Ownership

February 09, 2018

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Why HUD Homes are a Good Purchase for Millennials

February 07, 2018

Why HUD Homes are a Good Purchase for MillennialsAs the millennial generation becomes a huge part of the 18-34 home buying population for now and for years to come, it is vital that real estate professionals understand what this group is looking for and the challenges they face. Most millennials are either renting or are living with their parents. ...

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Millionaire To Millennials: Don’t Rent A Home… Buy!

February 06, 2018

In a CNBC article, self-made millionaire David Bach explained that: “The biggest mistake millennials are making is not buying their first home.” He goes on to say that, “If you want to build real financial security, real wealth for your lifetime, then you need to buy a home.” Bach went on to explain: “...

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Benefits of Home Ownership

February 05, 2018

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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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