Will Your House Be Worth More in the Spring?

This is a question anyone thinking about selling must ask. Should they sell now or should they wait for the spring? Most years that would be an interesting question. There is a belief that many buyers come out in the spring and, with that increase in demand for housing, prices may appreciate. This year is […]

Steve Harney Nominated for Prestigious Award

Our very own lead blogger, Steve Harney, has been honored by being nominated for the list: Inman News 100 Most Influential Real Estate Leaders   Please vote for Steve by clicking on the link.       The KCM CrewWe believe every family should feel confident when buying & selling a home. KCM helps real […]

4 Tips To Present a Stronger Mortgage Application

As underwriting guidelines for lenders become more stringent, it becomes clearer what a good mortgage application looks like. As prospective home buyers begin their search, there are a few things they can do to help get their loans approved (and with the best possible terms), and, at the same time, lessen some of the stress […]

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The Collateral Damage in This Housing War

We try our best to deliver a blog post everyday that is filled with facts and studies on the housing industry. Every once in a while, one of our bloggers asks to be able to voice their ‘opinion’ on a particular point. This is one of those days. Here is Steve Harney’s opinion on the […]


Best Time to Buy AND Best Time to Sell?

If you know a great real estate professional, you might be questioning them right now. They may tell a friend of yours in the afternoon that this is a great time to buy a home and in the evening tell another friend that they have to lower their price in order to sell their home. […]

Will Falling Prices Create Wave of Strategic Defaults?

Strategic default:  when a borrower defaults on their mortgage even though they have the financial ability to repay it.  Strategic defaults lead to foreclosures. It is important to realize that an increase in the number of foreclosures will dramatically impact any possible housing recovery. A loss of income or an increase in negative equity (where the […]

Is There a New 3.8% Tax on House Sales?

We have received many questions about a possible 3.8% tax which will be put on home sales beginning in 2013. We want to do our best to clarify this situation for everyone. We are not accountants and give you this information just as a simple answer to the misconception. Understand that, when it comes to […]


Can Rates Go Down Any More?

It appears they CAN and that they WILL. The buzzwords today are Quantitative Easing. It is another of the weapons the Fed has at its disposal to impact the economy, as a whole, and interest rates in particular. Let me explain. In so far as the Fed has already lowered the rates they charge to […]

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Is the Window of Opportunity Beginning to Close?

Several banks had recently suspended foreclosure procedures on hundreds of thousands of homes while they were forced to review all their paperwork. The lenders had to prove they fulfilled the legal requirements for repossession. We have reported that homeowners of all non-distressed properties were given a window of opportunity to sell their house without the competition […]


5 Reasons You Should Sell Your House TODAY!

Selling your house in today’s market can be extremely difficult. It is for that reason that every seller should take advantage of each and every opportunity that appears. Each fall, such an opportunity presents itself. This fall, that opportunity may be just too good to pass up. Below are five reasons you should consider when […]

Innocent Until Proven Guilty. Even Homeowners?

There has been a furor the last two weeks regarding the robo-signer scandal.  Dean Hartman, a guest blogger and friend, made the case that a moratorium makes no sense and would do more harm than good. Others have made the opposite argument. The KCM Crew has posted on possible ramifications and a possible silver lining to […]

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The New Foreclosure Mess: A Possible Silver Lining

There is no doubt that the current foreclosure mess is creating havoc in the housing industry. Listings are being removed from the market and many closings are being delayed and, in some cases, even canceled. No one is sure what the full impact of the situation will be or when it will be rectified. However, there […]

Two Wrongs Don’t Make It Right

Here is guest blogger Dean Hartman’s strong opinion on the current foreclosure mess. – The KCM Crew This is just my less-than-humble opinion, intended to spark some dialogue. A common scenario: People default on their mortgage (that’s wrong) and the bank is compelled to foreclose to protect the interests of their shareholders. During the process […]

Should I Wait for Jobs To Return Before Selling?

We constantly hear that the real estate market will not recover until the job market does. That definitely makes sense. It would be difficult to commit to making a monthly mortgage payment without knowing you have a paycheck coming. The big question is whether you should wait for the employment situation to get better before […]

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The New Foreclosure Mess: What It Means To You

Last week, we reported on the beginnings of the mess the banks created by using ‘robo-signers’ to fast track foreclosure filings. We detailed the challenge and said that “the process of foreclosing may grind to a screeching halt”. And, it has. Bank of America has announced that it has halted foreclosures in all fifty states. […]


Where to Rent and Where to Buy

10/11– Here is Forbes’ take on both Zillow and Trulia’s Rent vs Buy calculations. (h/t Cliff Freeman)   ORIGINAL POST We have done many posts on the benefits of homeownership believing that owning a home remains a major piece of the American Dream. We have also posted on the pure financial benefits of purchasing a home. […]


Luxury Real Estate Market Gaining Momentum

The news about the housing market still seems to be dominated by stories of pending disaster. Headlines report that some believe that there is a 25% chance of a ‘double-dip’ in home prices. We can understand the concern. The last Existing Home Sales Report by the National Association of Realtors (NAR) showed that sales were […]

Your Home Is An Investment. Treating It Like One?

There is a pendulum when we look at real estate. On one side is Real Estate as an Investment. On the other is Real Estate as a Home – a place to raise a family, have the pride of homeownership, etc. In the house price frenzy of a few years ago, people looked at their […]

The Attack of the ‘Robo-Signers’

Just when you thought the real estate industry could not possibly become more surreal, IT HAS! The controlled flow of foreclosures to the market has been the number one concern of every housing analyst. There could be a ‘double dip’ in house values if they were released too quickly. The recovery could take years if […]

If HE Says It Is Time To Buy a Home, BUY A HOME!

“If you don’t own a home, buy one. If you own one home, buy another one. And if you own two homes, buy a third and lend your relatives the money to buy one.” – John Paulson 9/27/2010 WOW! That’s a powerful statement. There is no question that John Paulson is a bull when it comes […]


Forget Headlines. Get To the Core of the Story

The National Association of Realtors (NAR) will release their Pending Home Sales report today. The report will generate headlines and those headlines will seem in conflict with each other. The reason for the confusion is that there will be nuances within the report. In order to truly understand the report, we must peel away the headlines […]


Taking the “Horror” Out of Selling and Buying a Home

The following blog post was written by Joanne Mills, a Keeping Current Matters subscriber on Long Island, NY. We enjoyed her post and received permission to share it with you, our readers.  – The KCM Crew First, what is a home? This is what you will find in the dictionary. Home – noun 1. a […]