Niki Harmon

My knowledge, experience and skill set are uniquely suited to assist my clients to either acquire or sell real estate. I bring the enthusiasm, cultural sen

I am your real estate, relocation and military specialist with over 25 years of experience.

02/14/2020

Knowing your lending options and requirements when borrowing to build then move in will set you up for the best solution.

For those building a brand new home from the ground up, a construction loan is needed. A construction loan will include funds for both materials and labor but can also include funds for the lot of the borrowers don’t yet own the lot where the property will be located. When preparing to apply for a...

02/13/2020

What is house hacking? It could be a great way to have your investment property and live in it too.

The internet loves the word “hack” because it usually means there’s a creative, inexpensive shortcut that solves a common problem. But it also often results in a solution that’s not quite up to par, which is why many investors may have turned a deaf ear to the concept of house hacking. In re...

02/10/2020

It doesn't matter whether you are buying or selling, it's always important to know the value of your home before you put it on the market. Much of this depends on the economy and what people are willing to pay. Don't get stuck with less than you deserve.

What is fair market value? It's a way to gauge how much a home is worth when the buyer and seller aren't desperate to strike a deal.

02/07/2020

If you want to build a real estate investment portfolio, it's a good idea to discuss the option of forming an LLC with your financial advisor. Here is some background to help that discussion.

As a real estate investor, you'll likely be concerned with how to mitigate risk in the event of a lawsuit. This is where a limited liability corporation, or LLC, may come into play. An LLC will insulate your personal assets from activities that occur at the property. Learn more here.

02/05/2020

You can gain the financial freedom to do what you really enjoy in life, at whatever age you're at, through real estate investment. Here's one story.

When you think of retirement, what comes to mind? Shuffleboard with Grandma? Chess with Uncle Chester? What if you could retire early—I'm talking decades sooner than most—and travel, sleep in, or get ripped at the gym instead of spending your best years in a cubicle? It's possible! I retired at ...

02/04/2020

If you've been thinking about investing in commercial real estate, here are some points to consider.

For the longest time, Commercial Real Estate (or CRE) investing has been accessible only to more seasoned investors—those who have larger portfolios. Beginner investors, though, would find this particular market difficult to crack...but that was before. Today, thanks to the internet and online mar...

01/31/2020

Ditch the notion of "unsellable" and kick your creativity into gear to get that property sold.

Labels affect your real estate sales and ultimately the money you put in your pocket. Learn how to make maximum profits from an

01/30/2020

If you already have a property investment portfolio, these insights may help you manage your loan terms more favorably.

Seasoned investors, this article is for you (sorry newbies). Sometimes you have to get creative with your financing. I break down ways for you to shorten the life of your loan, as well as pitfalls to avoid.

01/27/2020

Net worth is a useful yardstick to measure your progress as an investor. This primer spells out what is and isn't part of the calculation.

While net worth is an everyday term, I actually recommend you instead calculate your investable net worth as a far more useful and realistic measurement of your wealth. Here’s what to include, what not to include, and more importantly, why you should exclude a few key numbers.

01/24/2020

Mastery of any skill takes time and energy. The same is true for real estate investing, and it can be well worth it.

A price must be paid to get a fair risk/reward profile from real estate investing. That price is time. But the buy-in cost of ~500 hours of networking, self-education, and practical experience in learning to become a successful investor isn't always the right move—especially if you fall into one o...

01/23/2020

Consumers do want the benefits of digital transactions during property closing, but they also want a face-to-face interaction when the time comes to sign.

Despite the push for fully digital mortgage closings, 81% of consumers say they would still do a mortgage closing in-person versus digitally. The post In a digital era, more consumers prefer speaking to a real person about mortgage closings appeared first on HousingWire.

01/20/2020

Have you wondered how long you need to own your home before seeing a benefit from the investment?

New research by Betterment looks at how long it takes for homeowners to break even on their home purchase.

Address

4201 N. Prince
Clovis, NM
88101

Telephone

+5757992115

Website

http://www.Selling-Clovis.com/

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