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

Articles

COVID Market

July 12, 2020

COVID MarketDoing this market time we have to take precautions.  Wearing mask and gloves -leaving lights on when sellers ask. Buyers not opening anything.  Our numbers are high inMobile. Lots of virtual tours.  Making sure people are approved before showing . Having extra mask for buyers.  We are still showing and selling -our market is awesome . ...

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How to Improve Your Credit Score Before Applying for Home Loan

July 11, 2020

Post by: Nancy Braun, Showcase Realty Buying a house in Charlotte NC can be a lot of work. You need time to save, documents to prepare, mortgage brokers to talk to, and application forms to fill out. One aspect that affects the home buying process is applying for a mortgage, which in turn is significantly influenced by the ...

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Keeping Clean during COVID

July 10, 2020

Easy cleaning routines for the whole family:-Clean doorknobs regularly with disinfectant spray-Replace your air filters regularly, or even more frequently than you normally do, especially since members of the family may be home more-Wipe down bathroom and kitchen counters with a disinfectant spray-Reduce counter clutter and assign cubbies for each member of the house where they can drop their ...

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Buying in a Seller’s Market: 9 Ways to Win

July 10, 2020

Lexi Klinkenberg What is a Seller’s Market?A seller’s market is when there are more homebuyers in a particular area looking to purchase a home than actual houses listed for sale. A seller’s market usually results in rising home prices and stiffer competition among homebuyers. Also, home sellers will have the upper hand when it comes ...

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Pinching Pennies

July 09, 2020

Now more than ever people are pinching their pennies in almost ever aspect of life. Property values have continued to increase but interest rates have remained low. This is both good and bad for the consumer. It means homes will cost you more than they did last year and the year before as far as sales price goes but ...

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Consumers are feeling better about buying a home

July 09, 2020

After plunging to nearly the lowest level in its history in April, an index measuring consumer sentiment in the housing market bounced back significantly in June. Renters were especially optimistic about homebuying.The share of consumers who think it’s a good time to buy a home increased from 52% to 61% month to month, according to the Fannie ...

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HUDHomeStore Acronyms - what do they mean?

July 09, 2020

When searching on HUDHomeStore.com you encounter some confusing acronyms. So what do they mean?Let's go over some of them together today. IN, IE, UIThese three are found under the Listing Information section of a Property Details page for FHA Financing references. An IN reference means HUD believes the property to be ready, as-is, for ...

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Underwriting in a COVID Market

July 09, 2020

Richard SwanMortgage Investors Group(865) 742-3384NMLS#180260/TN#108459Meeting underwriting conditions during the COVID-19 pandemic could be challengingfor some borrowers. Here’s what you should expect and how to know if now is the timeto buy.Lenders are faced with uncertainty about actual year to date income for individuals andborrowers in this world of shutdowns and reduced capacity guidelines that may affectmany businesses. ...

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How to Move Safely During the Pandemic

July 08, 2020

How to Move Safely During the PandemicWith travel restrictions and social distancing in place, many people are postponing their moving plans. Governments are assisting by suspending foreclosures and eviction processes during this time.Consider these questions before planning your move:Is COVID-19 spreading in the area where you’re going?Will you or your travel companion(s) be in close contact ...

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How Often Should You Clean Your Kitchen Appliances?

July 08, 2020

www.ScottRealtyProfessionals.comToll-Free: 1-844-204-2373   ...

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Best Time to Sell? When Competition Is at an All-Time Low

July 08, 2020

In a recent survey of home sellers by Qualtrics, 87% of respondents said they were concerned their home won’t sell because of the pandemic and resulting economic recession. Of the respondents, 51% said they are “seriously worried.” That concern seems reasonable considering the current condition of the economy. The data, however, is showing that home purchasers ...

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Homeownership Is A Bright Spark

July 08, 2020

Taking Advantage of Homebuying Affordability in Today’s Market Everyone is ready to buy a home at different times in their lives, and despite the health crisis, today is no exception. Understanding how affordability works and the main market factors that impact it may help those who are ready to buy a home narrow down their optimal window of ...

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6 Reasons to Own a Home (Spanish Version)

July 08, 2020

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Cleaning Routines to Keep Your Home Virus-Free

July 08, 2020

Cleaning Routines to Keep Your Home Virus-FreeFollow this CDC advice to make sure your kitchen, bathroom and other high-traffic areas are clean and disinfectedBy: Laura Gaskill March 21, 2020Houzz Contributor.  https://www.lauragaskill.com/course We want home to be a haven (especially during stressful times), and part of that, at a fundamental level, means living in a space ...

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IS YOUR 'HONEY DO' LIST BLANK?

July 08, 2020

Wow - it has been a different existence for me,  the last 4 months - both personally and professionally.   I would say it has been much the same for you.  Our County was hit hard by a tornado in March - destruction and deaths.   Then before the cleanup was completed - we were shut down ...

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First Time Home Buyers

July 07, 2020

9 Surprising Things First-time Home Buyers Should Know People who have been homeowners for a long time tend to forget how exciting and nerve-wracking it feels to buy a home for the first time. Once you’ve been through the process, you know what to expect and aren’t surprised by the second (or fifth) go-around. But for new ...

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Is now a good time to buy a home? Over 60% of surveyed Americans say yes

July 07, 2020

That's a 9-point climb in Fannie Mae’s HPSI measurement​​​​​​​Fannie Mae’s Home Purchase Sentiment Index, a composite index designed to track consumers’ housing-related attitudes, intentions and perceptions, increased nine points in June to 76.5. Although the HPSI is down 15 points year-over-year, June’s gain marked the second rise in HPSI since April’s almost record ...

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Conventional Loan Interest Rates Make History, FHA Loan Rates Still Incredibly Low

July 05, 2020

Low mortgage rates have stolen the headlines on some finance blogs; as a result, 2020 has seen high volumes of refinance loan applications. The low rates also has many renters potentially finding themselves in a more affordable position to become homeowners.But another development has taken things in an even more historic direction; in June 2020 conventional loan rates ...

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Real estate is essential, but still impacted, by COVID-19

July 03, 2020

By Holly Beyer, For The Daily Newsposted Jul 3, 2020 at 12:01 AM As COVID-19 spread through Eastern North Carolina, uncertainty spiked for local home buyers and sellers — a feeling that lingers.Jacksonville senior planner Jeremy Smith was putting an offer on his first house, and likely forever home, when coronavirus became a widespread concern and the ...

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TIME TO SELL

July 02, 2020

If you have knocked around the idea of selling your home, NOW IS THE TIME.Get top dollar for your home as the inventory SE TN and NW GA is very low.  Most properties are going undercontract within 48 hours and some times with multiple offers.  Just a few selling tips:- make sure your agent is ...

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Credit Requirements for FHA Loans

July 01, 2020

Good Credit History Makes it Easier to QualifyFHA loans provide great assistance to many first time home buyers by offering mortgage loans with lower down payments. While this is a benefit for many people, recent changes in policy may have put the loans just out of reach for some would-be homeowners with questionable credit history. For those interested ...

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6 Things Your Mortgage Lender Wants You To Know About Getting a Home Loan During COVID-19

July 01, 2020

Getting a mortgage, paying your mortgage, refinancing your mortgage: These are all major undertakings, but during a pandemic, all of it becomes more complicated. Sometimes a lot more complicated.But make no mistake, home buyers are still taking out and paying down mortgages during the current global health crisis. There have, in fact, been some silver linings amid ...

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Mining For HUD Buyers

July 01, 2020

Upon receiving a new HUD assignment, the first thing I do is to check the list history (if any). I then call the previous list agent and inform him/her of my new assignment. I then ask that agent if there is any continued interest from any of their previous buyers. Often, I receive a positive reply from the agent. ...

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Three Reasons to Get Pre-Approved for a Mortgage

July 01, 2020

Before you start your home search, you want to know how much you can afford, right? There are two ways to do this: with a mortgage pre-qualification and a mortgage pre-approval. As a home buyer, the pre-approval is more valuable to you during your home search.How Pre-Approval Helps You as a Home BuyerOne of the main differences between ...

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Three Reasons Homebuyers Are Ready to Purchase This Year

June 29, 2020

Three Reasons Homebuyers Are Ready to Purchase This Year recent survey by Lending Tree tapped into behaviors of over 1,000 prospective buyers. The results indicated 53% of all homebuyers are more likely to buy a home in the next year, even amid the current health crisis. The survey further revealed why, naming several reasons buyers are more ...

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