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

Articles

How to Up Your Winter Curb Appeal to attract buyers quicker!!

December 09, 2023

How to Up Your Winter Curb AppealRegardless of the season, your home should make a good first impression on potential home buyers. Here are some helpful tips for boosting your home’s curb appeal during the winter months.Light It UpWith less sunshine and shorter days, adding outdoor lighting to your home will help illuminate it and could make ...

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Holiday Party Ideas for Christmas 2023

December 08, 2023

The holiday season is just around the corner, and it's the perfect time to start planning your Christmas party for 2023. Whether you're a seasoned party host or a first-timer, we've got you covered with some amazing holiday party ideas that will make your event a memorable one. From festive decorations to delightful dishes and exciting ...

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Holiday buyers

December 06, 2023

It is well known in real estate that people who are looking at homes now, during the holidays, usually are more apt to be needing a new home now.  Most buyers dont start out looking in Novemeber and December, they always wait till spring.Sellers whould know that each showing in November, December and January, will usually have ...

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MORTGAGE DEMAND FROM HOMEBUYERS GETS A BOOST AS INTEREST RATES CONTINUE TO FALL

December 06, 2023

Mortgage demand from homebuyers gets a boost as interest rates continue to fallPUBLISHED WED, NOV 29 20237:00 AM ESTUPDATED WED, NOV 29 20238:22 AM ESTDiana Olick@IN/DIANAOLICK@DIANAOLICKCNBC@DIANAOLICK KEY POINTSThe average contract interest rate for 30-year fixed-rate mortgages with conforming loan balances ($726,200 or less) decreased to 7.37% last week from 7.41% the previous week.Mortgage applications to ...

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WHAT SHOULD YOU KNOW ABOUT HOMESTEAD TAX EXEMPTIONS?

December 06, 2023

Owning a home involves much more than mortgage payments. You must also budget for homeowners insurance, property taxes, home maintenance, and other expenses. The numbers can add up quickly! That’s why most homeowners are eager to find ways to trim their bills, including keeping their property taxes as low as possible. Of course, states ...

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Jackson launches 100 Homes Program to provide new housing for residents

December 03, 2023

City of JacksonOctober 24, 2023 100 new homes will be taking shape on vacant lots across the City of Jackson in the coming years, providing affordable housing for residents and rebuilding neighborhoods. The 100 Homes Program is now launching from the City of Jackson Community Development Department after seven months of planning. The program intends to construct 100 single-family ...

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FHA Proposes Enhancements to Make Home Rehabilitation Program More Effective for Homebuyers and Homeowners

December 01, 2023

HUD No. 23-266HUD Public Affairs(202) 708-0685FOR RELEASEWednesdayNovember 29, 2023FHA Proposes Enhancements to Make Home Rehabilitation Program More Effective for Homebuyers and HomeownersProposed changes to the 203(k) Rehabilitation Mortgage Insurance Program are designed to expand FHA-insured mortgage financing for families purchasing or refinancing single family homes in need of repair or rehabilitation.WASHINGTON - Today, the Federal Housing Administration (FHA) ...

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County breaks ground on Valley Hi expansion

November 17, 2023

WOODSTOCK, Ill. – McHenry County officials broke ground on a new memory care wing for Valley Hi Nursing & Rehabilitation, and presented nursing home staff with their recently earned national award for quality service.After years of planning and multiple feasibility studies demonstrating the need for affordable and certified memory care in McHenry County, the Oct. 18 groundbreaking ...

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Tips for buyers - Buying a Home in Today's Market

November 16, 2023

2023 home buying is not like past years! Mortgage rates have gone from 3% to 7%,  lack of inventory of move in ready homes and mortgage rates are the biggest obstacles for many buyers.  It's a unique market.  This is what you need to prepare and compete.  First step - get your finances ...

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Best Value Add Improvements

November 15, 2023

When thinking about adding value to a home, it's important to consider the cost of the improvement and how much value will be added to the home.  I put together a list of projects that typically add the best value return or "return on investment (ROI).Kitchen Remodel: The kitchen is often considered the heart of ...

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Thanksgiving Safety Tips

November 15, 2023

Turkey day is just around the corner.  What are your favorite family traditions?  Do you stay home and cook a festive meal or head out to a family/friends home for the day?  No matter what your plans are for Thanksgiving, here are a few safety tips to make sure you have a great day.HOLIDAY FIRE ...

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Addressing the Needs of Clients With Disabilities

November 15, 2023

Oftentimes we serve clients who are challenged with disabilities.  Unfortunately serveral homes are not currently equipped to address the needs of disabled clients.  Below is a list of resources that can help such clients with home modifications to facilitate their needs (these resources are provided courtesy of an article on Rocket Homes):Rural housing repair loans and grants ...

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Prepare your home for winter weather!

November 14, 2023

How to prepare your home for winter weather:1. Clean your gutters. ...2. Recaulk your windows and doors. ...3. Get your roof inspected. ...4. Reverse your ceiling fans. ...5. Get your chimney inspected. ...6. Drain the fuel from your small gas-powered engines. ...7. Tune up your home's systems. ...8. Cut back tree branches....

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Don't Let Your Pipes Freeze

November 13, 2023

Don't Let Your Pipes FreezeBy Tom Nelson, HUD LLB-Real Estate One-Rochester, MIBuying a HUD Property Series November 2023Winter is just around the corner and in much of the country this means temperatures below freezing.  With those cold temperatures comes the risk of frozen pipes.  This leads to a great expense, mess and delay in using your ...

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7 First-Time Homebuyer Mistakes To Avoid

November 13, 2023

Embarking on the journey of buying your first home is an exciting endeavor. However, amid the excitement, it’s easy to stumble into common pitfalls that many first-time homebuyers encounter. From overlooking crucial details to underestimating financial aspects, these missteps can turn what should be an exciting milestone into a stressful experience. In this short guide, we’ll look ...

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VA Loans to bring Home Ownership to many people

November 10, 2023

VA loans offer a unique opportunity for eligible individuals to achieve homeownership with favorable terms. This government-backed loan program is available to active duty personnel, veterans, national guard members, reserve members, and eligible spouses.One of the key advantages of VA loans is that they can be used for both first-time homebuyers and repeat homebuyers. Whether you're purchasing ...

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Top 10 Roadblocks for the Real Estate Market in 2024

November 09, 2023

By: Melissa Dittmann TraceyThe Counselors of Real Estate releases its annual list of the hot-button issues for the industry in the year ahead.Global unrest, economic uncertainty and eroding home affordability are among the top issues facing the real estate industry over the next year, according to The Counselors of Real Estate’s annual report, “Top 10 Issues ...

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3 benefits of buying a home when interest rates are high

November 08, 2023

https://moneywise.com/real-estate/benefits-of-buying-a-home-when-interest-rates-are-high3 benefits of buying a home when interest rates are highWhile rising interest rates affect overall affordability, there are a few surprising advantages a cooling market.We adhere to strict standards of editorial integrity to help you make decisions with confidence. Please be aware that some (or all) products and services linked in this article are from our ...

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They took her chickens and red-tagged her homes. Now a Lansing woman is suing the city Matt Mercarini Lansing State Journal Nov 1, 2023

November 08, 2023

The federal lawsuit, filed Oct. 24 in the U.S. District Court for the Western District of Michigan, claims the city and its Lansing Code Compliance officer violated the Fourth and 14th amendments when a code officer entered her home alongside animal control staff who had a warrant.In the lawsuit seeking more than $350,000 in damages, Fitzpatrick ...

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Selling During the Winter

November 07, 2023

As the winter season approaches, you may be wondering if it's the right time to sell your house. While many people tend to wait until the spring or summer months to put their homes on the market, there are actually several advantages to selling during the winter. In this blog post, we'll explore some tips for preparing ...

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Homeowner Net Worth Has Skyrocketed

November 07, 2023

If you’re weighing your options to decide whether it makes more sense to rent or buy a home today, here’s one key data point that could help you feel more confident in making your decision. Every three years, the Federal Reserve Board releases the Survey of Consumer Finances (SCF). That report covers the difference in net worth ...

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GOOD NEIGHBOR NEXT DOOR ELIGIBLE PARTICIPANTS

November 07, 2023

The U.S. Department of Housing and Urban Development (HUD) wants to make American communities stronger and to build a safer nation. The Good Neighbor Next Door (GNND) program helps make this goal a reality by encouraging law enforcement officers, pre-K through 12th grade teachers and firefighters/emergency medical technicians to become homeowners in revitalization areas.Who Can Participate?Law ...

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U.S. Foreclosure Activity Shows Continued Rise In Third Quarter, Approaching Levels Seen Before Pandemic

November 02, 2023

U.S. Foreclosure Activity Shows Continued Rise In Third Quarter, Approaching Levels Seen Before Pandemicby ATTOM Team | Oct 12, 2023 | Foreclosures, Real Estate News - Recent Articles   Highest Foreclosure Rates in New Jersey, South Carolina, and Delaware; Average Time to Foreclose Nationwide Hit Pre-Pandemic LevelsIRVINE, Calif. – Oct. 12, 2023 — ATTOM, ...

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Is real estate locked in?

November 01, 2023

The term "locked in" is being used to describe potential buyers that already own a home with a mortgage.  They are reluctant to put their homes on the market becuase their current rate is much lower than the rates being offered currently.According to Freddie Mac, 3 percent of US homeowners have a mortgage below 6% and ...

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First time investor? Here are some tips for you!

October 30, 2023

Educate Yourself: Before diving in, learn about real estate investing through books, courses, and online resources.Set Clear Goals: Define your investment objectives, whether it's rental income, property appreciation, or a combination of both.Budget Wisely: Establish a budget and stick to it. Consider your down payment, closing costs, and ongoing expenses.Location Matters: Choose a location with ...

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