Blog by Tomi (Tomyal Emptage)

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Wondering If You Can Buy Your First Home?

January 18th, 2018
Wondering If You Can Buy Your First Home? | Keeping Current Matters

There are many people sitting on the sidelines trying to decide if they should purchase a home or sign a rental lease. Some might wonder if it makes sense to purchase a house before they are married and have a family, others might think they are too young, and still, others might think their current income would never enable them to qualify for a mortgage.

We want to share wh ...

The Benefits of Home Ownership Go Beyond the Financial

January 11th, 2018
The Benefits of Homeownership Go Beyond the Financial| Keeping Current Matters

Homeownership is a major part of the American Dream. As evidence of that, 91% of Americans believe that owning a home is either essential (43%) or important (48%) to achieving that “dream.” In a market where some people may be unsure about the benefits and possibilities of buying a home, it is important that we remember this.

Homeownership is NOT just about the money. In fact ...

Top 4 REAL Reasons We Buy a Home

December 28th, 2017
Top 4 REAL Reasons We Buy a Home | Keeping Current Matters

We often talk about the financial reasons why buying a home makes sense. But, more often than not, the emotional reasons are the more powerful or compelling reasons.

No matter what shape or size your living space is, the concept and feeling of home can mean different things to different people. Whether it’s a certain scent or a favorite chair, the emotional reasons why we cho ...

Why Getting Pre-Approved Should Be Your First Step

December 22nd, 2017

Why Getting Pre-Approved Should Be Your First Step

Why Getting Pre-Approved Should Be Your First Step
In many markets across the country, the number of buyers searching for their dream homes greatly outnumbers the number of homes for sale. This has led to a competitive marketplace where buyers often need to stand out. One way to show you are serious about buying your dream home is to get pre-qualified or pre-approved for a mortgage b ...

5 Reasons To Sell This Winter!

December 14th, 2017
5 Reasons to Sell This Winter!




Here are five reasons listing your home for sale this winter makes sense.


1. Demand Is Strong

The latest Buyer Traffic Report from the National Association of Realtors (NAR) shows that buyer demand remains very strong throughout the vast majority of the country. These buyers are ready, willing and able to purchase… and are in the market right now! More often ...

Low Interest Rates Have a High Impact on Your Purchasing Power

November 30th, 2017
Low Interest Rates Have a High Impact on Your Purchasing Power | Keeping Current Matters

According to Freddie Mac’s latest Primary Mortgage Market Survey, interest rates for a 30-year fixed rate mortgage are currently at 3.92%, which is still near record lows in comparison to recent history!

The interest rate you secure when buying a home not only greatly impacts your monthly housing costs, but also impacts your purchasing power.

Purchasing power, simply put, is ...

Homeowners: Your House Must Be Sold TWICE

November 20th, 2017
Homeowners: Your House Must Be Sold TWICE | Keeping Current Matters

In today’s housing market, where supply is very low and demand is very high, home values are increasing rapidly. Many experts are projecting that home values could appreciate by another 5%+ over the next twelve months. One major challenge in such a market is the bank appraisal.

If prices are surging, it is difficult for appraisers to find adequate, comparable sales (similar h ...

Your Friends Are Crazy Wrong If They're Telling You Not To Buy

November 17th, 2017
Your Friends Are Crazy Wrong if They're Telling You Not to Buy | Keeping Current Matters

The current narrative is that home prices have risen so much so that it is no longer a smart idea to purchase a home. Your family and friends might suggest that buying a home right now (whether a first-time home or a move-up home) makes absolutely no sense from an affordability standpoint. They are wrong!

Homes are more affordable right now than at almost any time in our coun ...

Real Life vs. Reality TV: 5 Myths Explained

November 9th, 2017
Real Life vs. Reality TV: 5 Myths Explained | MyKCM

Have you ever been flipping through the channels, only to find yourself glued to the couch in an HGTV 'show hole'*? We've all been there... watching entire seasons of "Love it or List it," "Fixer Upper," "House Hunters," "Flip or Flop," "Property Brothers," and so many more, just in one sitting.

When you're in the middle of your real estate themed show marathon, you might sta ...

Thinking About Buying? Know Your Credit Score

November 2nd, 2017
Thinking About Buying? Know Your Credit Score | Keeping Current Matters

Knowing your credit score or getting a recent copy of your credit report is one of the first steps that you can take toward knowing how ready you are to start the home buying process.

Make sure all the information listed on your report is accurate and work to correct any mistakes. The higher your credit score, the more likely you will be to receive a better interest rate for ...

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