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Why You Need a Good Negotiator in Today’s Market


Should You Be LOCKING Your Loans?

Should you lock in the interest rate on your mortgage? A couple of things to consider: 1. While I am confident that the Debt Ceiling Debate will be settled (whether it’s for six months or a year), my greater concern is the growing belief that the ratings agencies are looking at downgrading our government’s bonds from […]


Thank God I Didn’t Buy Gold at $400 an Ounce

We hope that headline grabbed you. The reason we used it was to bring some perspective to the debate as to whether or not homeownership is a wise investment in today’s troubled market. A family should never look at the purchase of a home simply as a financial investment. It is so much more than […]


Distressed Property Sales: Down…But Not Out

There has been much written about the falling inventories of distressed properties in many market places. Some have looked at the decreasing percentage of distressed property sales reported by the National Association of Realtors over the last four months as a sign that we are finally cleaning out the last remnants of the foreclosures. If […]

A 14% Home Mortgage Rate?

We have written on the long term impact that the new mortgage guidelines known as ‘Qualified Residential Mortgage’ (QRM) will have on the cost of financing a home. However, it seems that these expenses are already beginning to creep into lending. The QRM guidelines are much more rigid than those used in the last year. Though […]


20% Down Payment: The Impact


Assets and Your Mortgage Application

When lenders evaluate mortgage borrowers, they look at four things: income (the ability to repay), credit (the willingness to repay), collateral (appraised value and property condition) and assets (cash in the deal and cash reserves after closing, mostly). Of the “four legs of the table”, assets are the least discussed, and yet may be the […]

Why Do People Actually Buy a Home?

It seems that every time we talk about real estate today the conversation immediately goes to the financial aspects of buying a home. Where are prices headed? Where are interest rates headed? Should I wait to try and get a ‘better buy’? Should I wait until I can get a ‘steal’? The odd thing about […]


Selling Your House? Waiting May Not Make Sense

There have been some bright spots in the residential real estate market over the last couple of months. Several price indices have reported a stabilization of prices and some regions have even shown small levels of appreciation. This has led some to believe that we may have reached a bottom for home values. We must […]

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How People Feel About Real Estate

Monthly Housing Survey InfoGraphic

Oct 1 – Another Bad Day for Real Estate

One of the ways the federal government tried to “rescue” housing was to raise the Conforming Loan Limits – which is the maximum loan that can be sold to FannieMae, FreddieMac and GinnieMae (for FHA loans). By raising loan limits, liquidity was provided to mortgage lenders enabling them to lend at competitive rates in most […]


The Only Thing “Lousy” Was the Advice!

We read an interesting article in the Wall Street Journal on Monday titled A Home Is a Lousy Investment. It was written by Mr. Bridges, a professor of clinical finance and business economics at the University of Southern California’s Marshall School of Business. The essence of the piece is that owning a home is not […]


Bringing the Sale Across the Finish Line

Today, we are honored to have Ken H. Johnson, Ph.D. — Florida International University (FIU) and Editor of the Journal of Housing Research as our guest blogger. To view other research from FIU, visit http://realestate.fiu.edu/. – The KCM Crew The negotiation of a sales agreement is a very difficult process. A well drafted sales agreement almost cinches a […]

Attention: All KCM Crew Members!

The KCM CrewWe believe every family should feel confident when buying & selling a home. KCM helps real estate professionals reach these families & enables the agent to simply & effectively explain a complex housing market. Take a 14-Day Free Trial of our monthly membership to see how we can help you!


Unemployment’s Impact on Housing

What impact does rising unemployment have on the real estate market? Actually, it is quite simple: Rising unemployment creates uncertainty. Uncertainty creates fear. Fear creates paralysis. Paralysis prevents people from moving forward with their lives. Don’t allow fear to stop you from getting on with your life. Realistically look at your personal situation and decide […]

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The Devil Is in the Details

Distressed Property InfoGraphic

CoreLogic information on Shadow Information:


LPS information on inventory/sales ratio:


RealtyTrac information on discounts on short sales and foreclosures:



Let’s Get Chicken Little

You all know the story…young chicken, fearful of the worst, runs around declaring that “the sky is falling, the sky is falling”. In today’s real estate market, there are many people (professionals and amateurs alike) with opinions that make buying real estate sound like throwing money away. One thing I have learned in life is […]

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5 Real Estate Headlines You’ll See in the Next Six Months

Making predictions can be the ‘kiss-of-death’ for a blog. Even if we get four out of five correct (80%), there are those in the industry who will kill us on the one we got wrong. We believe strongly that when making a real estate decision for you and your family you must look forward and […]

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Why Now Is the Time to Buy a Home


For other great visuals like this, click here.


Top 5 Real Estate Headlines in the 1st Half of 2011

We have reached the midway point of the year. Today, we want to look back over the first six months and give you what we believe were the five items that have had the biggest impact on the real estate industry so far this year. The Government Wants Out of the Mortgage Business From the […]

Leadership & Courage Created America

Enjoy your freedom on this holiday weekend!! The KCM CrewWe believe every family should feel confident when buying & selling a home. KCM helps real estate professionals reach these families & enables the agent to simply & effectively explain a complex housing market. Take a 14-Day Free Trial of our monthly membership to see how […]