5 Myths About FHA Home Loans You Need to Stop Believing (Episode 200)
Think you know everything about FHA loans? Think again. In this milestone 200th episode, Certified Mortgage Advisor Kevin Martini tackles five persistent myths about FHA home loans that could be holding you back from your dream of homeownership. From who qualifies to how competitive the rates really are, this 200th episode of the Martini Mortgage Group sets the record straight.
You’ll learn:
- Why FHA loans aren’t just for first-time buyers.
- How FHA rates often outshine conventional loan rates.
- The surprising truth about credit score requirements.
- How low (or nonexistent!) your down payment can be.
- Why FHA loans work for all kinds of buyers—not just those with low income.
This episode is packed with the facts you need to know, so you can stop letting myths stand in your way.
Ready to explore whether an FHA loan is your best path to homeownership? Call Kevin Martini or Raleigh Mortgage Broker Logan Martini at 919-238-4934 for a complimentary, no-obligation consultation.
Don’t keep this info to yourself—share this episode with a friend who’s thinking about buying a home. Let’s make homeownership a reality for more people, together.
Mortgage Myth: You Need to Save Up for a 20% Down Payment (Episode 199)
Think you need 20% down to buy your dream home? Think again. In episode 199 of the Martini Mortgage Podcast, Certified Mortgage Advisor Kevin Martini exposes the truth behind this all-too-common myth. Discover why waiting to save up could cost you more than you think and learn about loan programs that make homeownership possible with far less than 20%.
You’ll also hear how one client overcame this myth and found herself building equity sooner than she ever thought possible. If you’re holding onto outdated advice, this episode might just be the game-changer you need.
Listen now and make your move!
Owning Your Roof vs Renting It – Martini Mortgage Podcast (Episode 198)
Is renting holding you back from financial freedom? Certified Mortgage Advisor and Raleigh Mortgage Broker Kevin Martini breaks down why this market shift might be your golden ticket to homeownership. Discover how a homeowner’s net worth outpaces renters by 42 times and why waiting for lower rates could cost you more in the long run.
Don’t miss this episode—it’s more than advice; it’s your roadmap to building wealth and stability. Share it with a friend who’s ready to stop renting and start thriving.
Listen now and make your move!
Martini Mortgage Group 2025 Housing Market Forecast – Martini Mortgage Podcast (Episode 197)
In this episode of the Martini Mortgage Podcast, Certified Mortgage Advisor Kevin Martini breaks down the highly anticipated 2025 Housing Market Forecast from the Martini Mortgage Group. If you’re wondering how shifting mortgage rates, rising home values, and a growing demand for homes will shape the real estate market, this episode is for you.
Here’s what you’ll learn:
🎯 Mortgage Rates: What the Federal Reserve’s recent moves mean for rates in 2025—and why understanding the bond market is key.
🏠 Home Sales Trends: Discover why 2025 could see a surge in home buying activity and how inventory shortages will shape the market.
📈 Home Prices: Insights from over 100 industry experts predicting steady home price appreciation and what it means for buyers and sellers.
Spoiler Alert: Kevin reveals one word that defines the 2025 real estate market—resilience.
Whether you’re thinking about buying, selling, or refinancing, this episode provides actionable insights to navigate the evolving housing market with confidence.
Tune in now and gain clarity on what’s ahead for your homeownership goals.
PREVIOUS SEASONS
Real Estate Reality Check
Episode 196 | July 9, 2024
In episode 196 of the Martini Mortgage Podcast, we’re serving up a hefty dose of reality in real estate. Host Kevin Martini, a Certified Mortgage Advisor with the Martini Mortgage Group, tackles the often misleading perceptions surrounding the housing market.
Kevin starts with two fundamental truths about quality assets and economic cycles, setting the stage for a deeper exploration of current market dynamics. Are we heading for a recession? Is a housing crash imminent? Kevin breaks it down, debunking myths and offering a clear view of the real estate landscape.
Discover why the ‘lock-in effect’ keeps the housing market stable, how the inventory shortage drives prices, and why demand continues to outstrip supply. Kevin also dives into ‘sectoral recessions’ and explains why your personal economic feelings might not align with national data.
Whether you’re a homeowner concerned about your property’s value or a potential buyer wary of market conditions, this episode provides the insights you need. Kevin wraps up with a compelling argument for why now might be the best time to lock in your home price despite higher mortgage rates and introduces the strategy of ‘marrying the house and dating the rate.’
Tune in for a no-nonsense, fact-based reality check on real estate, and arm yourself with the knowledge to navigate these uncertain times confidently. Listen now to episode 196, “Real Estate Reality Check,” on the Martini Mortgage Podcast.
Kevin Martini’s 4, 5, 6 Real Estate Forecast
Episode 195 | January 16, 2024
In this episode, Certified Mortgage Advisor and Raleigh Mortgage Broker Kevin Martini shares his 2024 real estate forecast which is data-driven over sensational headlines. Dubbed the “4, 5, 6 forecast,” Martini outlines his moderate yet realistic predictions for the real estate market in 2024.
Marry the House, Date the Rate: Navigating the Real Estate High Tide
Episode 194 | November 14, 2023
In this episode of the Martini Mortgage Podcast, host and Raleigh Mortgage Broker Kevin Martini dives into the mantra “Marry the house, date the rate,” exploring its relevance in today’s volatile real estate and mortgage landscape. Key insights include understanding the dynamics of the housing market, the potential of mortgage rate refinancing, and the innovative ‘buydown’ strategy for securing favorable rates. This episode is a must-listen for anyone navigating the complexities of buying a home in today’s market.
Feel Locked Out?
Episode 193 | October 17, 2023
In this special micro episode, Certified Mortgage Advisor and Raleigh Mortgage Broker Kevin Martini dives into the challenges many face in the current housing market. While acknowledging today’s higher mortgage rates, Kevin provides historical context, reminding listeners of the 18.63% rate in 1981.
Affordability, Inventory, and Student Loan Debt
Episode 192 | October 10, 2023
In episode 192 of the Martini Mortgage Podcast, Certified Mortgage Advisor and Raleigh Mortgage Broker Kevin Martini dive deep into the major hurdles faced by homebuyers today: Affordability, Inventory, and Student Loan Debt.
Divorce and the Marital Home
Episode 191 | October 3, 2023
In this insightful podcast episode, Certified Mortgage Advisor and Raleigh Mortgage Broker Kevin Martini, backed by years of mortgage advising experience, sheds light on the critical financial aspect of handling the marital home during a divorce. The episode is structured to first delve into understanding the value and equity of your marital home, then explore the three core options available for couples amidst divorce proceedings.
2 Questions to Ask Yourself Before Buying a Home
Episode 190 | September 26, 2023
In this episode, Raleigh Mortgage Broker Kevin Martini dives into the emotional roller-coaster that accompanies the homebuying process, especially amid soaring home prices and fluctuating mortgage rates. A must-listen to Real Estate Podcast.
buying a home in the fall of 2023
Episode 189 | September 19, 2023
Certified Mortgage Advisor and Raleigh Mortgage Broker Kevin Martini of the Martini Mortgage Group dives into the hot real estate market of Fall 2023, highlighting the challenges of low housing inventory and the new mortgage rate norms. Discover invaluable insights on home buying and mortgages with the comprehensive Raleigh homebuyer & Raleigh mortgage guide for Fall 2023.
Student Loan Repayments Resume
Episode 188 | August 22, 2023
In episode 188 of the Martini Mortgage Podcast, host Kevin Martini discusses the upcoming resumption of federal student loan payments on October 1, 2023, and its potential impact on mortgage approvals. He emphasizes the importance of understanding one’s financial position and offers insights on navigating the changing landscape.
35% is YOUR Timeliness
Episode 187 | August 10, 2023
In episode 187 of the Martini Mortgage Podcast, Raleigh Mortgage Broker Kevin Martini dives into the significant connection between personal habits and credit scores.
How Inflation Impacts Mortgage Rates
Episode 186 | August 4, 2023
In episode 186 of the Martini Mortgage Podcast, titled “How Inflation Impacts Mortgage Rates,” Kevin Martini, a Certified Mortgage Advisor, dissects the stubborn nature of inflation and its complex relationship with mortgage rates.
Homeownership: The Keystone of Wealth
Episode 185 | August 1, 2023
In episode 185 of the Martini Mortgage Podcast, titled “Homeownership: The Keystone of Wealth”, Certified Mortgage Advisor and Raleigh Mortgage Broker Kevin Martini unpacks the secrets of homeownership as a wealth creation and preservation tool. He compares homeownership to a golden goose that lays the eggs of wealth accumulation, offering the homeowner financial freedom.
Behind the Curtain
Episode 184 | July 20, 2023
In a world of uncertainty, it’s natural to feel nervous. Join Certified Mortgage Advisor and Raleigh Mortgage Broker Kevin Martini, in the 184th episode of the Martini Mortgage Podcast as he pulls back the curtain on the unpredictable landscape of 2023. From bank failures to rising mortgage rates and inventory shortages, Kevin sheds light on the real story behind the headlines.
ARM vs Buywdown
Episode 183 | July 10, 2023
In episode 183 of the Martini Mortgage Podcast, titled “ARM vs Buydown,” Certified Mortgage Advisor and Raleigh Mortgage Broker Kevin Martini illuminates the “2-1 Buydown” strategy in the context of the current unique real estate and mortgage market. He discusses the allure of Adjustable Rate Mortgages (ARMs) and compares them to the Buydown strategy.
Real Estate Reality Check
Episode 182 | July 7, 2023
Episode 182 of the Martini Mortgage Podcast hosted by Certified Mortgage Advisor and Raleigh Mortgage Broker Kevin Martini delivers a raw, unfiltered truth about the real estate market and mortgage rates, pulling no punches. This isn’t just another podcast episode; it’s a deep dive into the realities of home buying in our turbulent times, providing real-life, practical insights. Buckle up for an epic real estate ride where you’re not just a spectator but an active participant in your homebuying journey.
Unraveling the Complexity of the Housing Market
Episode 181 | June 22, 2023
In the 181st episode of the Martini Mortgage Podcast titled “Unraveling the Complexity of the Housing Market,” Kevin Martini, a Certified Mortgage Advisor, addresses the recent buzzwords like “slow sales” and “price softening” in the housing market. He emphasizes the importance of understanding real estate trends at a hyper-local level and the role of year-over-year and month-over-month data comparisons in accurately interpreting market conditions. He debunks misconceptions surrounding alarming year-over-year data, urging listeners to focus more on month-over-month trends.
Kevin Martini encourages listeners not to be swayed by sensationalist headlines and shares his optimism about the housing market, which he believes is set for a climb, despite the present conditions of increased mortgage rates and a housing supply squeeze. He also underscores the importance of understanding personal financing options for successful homeownership and offers his assistance in navigating the mortgage process.
Unleash Your Potential and Shrink Your Payments Even with Higher Rates
Episode 180 | June 10, 2023
A dive deep into the pressing issue of home dissatisfaction and the locked-in effect in real estate.
The Resilience of Home Prices
Episode 179 | May 17, 2023
Is the worst behind us? I think so but don’t take my word for it; the data clearly supports that the worst home price declines are behind us. Here is the challenge, you would not know this fact by listening to the media, and that is why in this special episode of the Martini Mortgage Podcast, I am going share a comprehensive analysis of home prices and market trends. I will dive into the past, present, and future of home prices PLUS bust misconceptions and shed light on the actual state of the market.
The S.T.A.N.D. System
Episode 178 | May 9, 2023
In today’s competitive housing market, multiple offers and bidding wars are becoming increasingly common. As a home buyer, it’s essential to make your offer as attractive as possible to stand out from the competition and secure your dream home. In this special episode of the Martini Mortgage Podcast, Certified Mortgage Advisor and Raleigh mortgage broker Kevin Martini share the S.T.A.N.D. system, a unique and proven tactic for homebuyers to deploy to stand out in a competitive housing market or any market.
Unlocking Your Dream Home with the H.O.M.E.S Framework
Episode 177 | April 27, 2023
In this special episode, Certified Mortgage Advisor and Producing Branch Manager, Kevin Martini, introduces the H.O.M.E.S. framework, a step-by-step guide designed to simplify the homebuying process and provide first-time and repeat buyers with the confidence and knowledge to make their homeownership dreams a reality. In this episode, Kevin takes a deep dive into each stage of the H.O.M.E.S. framework and provides valuable insights and guidance for buyers. From researching neighborhoods and creating a wish list in the house hunting stage, to finalizing paperwork and receiving the keys to your new home in the Settlement and Closing stage, Kevin covers it all.
Home Affordability
Episode 176 | April 11, 2023
In episode 176 of the Martini Mortgage Podcast, Kevin Martini, a Certified Mortgage Advisor and Producing Branch Manager, discusses the concept of home affordability and the three factors that determine it: home prices, wages, and mortgage rates.
Bank Failures
Episode 175 | March 16, 2023
In special episode 175 of the Martini Mortgage Podcast, Kevin Martini, a Certified Mortgage Advisor and Raleigh mortgage broker, discusses the recent bank failures and the causes behind them.
- The basics of how the banking system works, including how banks use customers’ deposits to make loans and investments to earn a profit.
- A high-level overview of how bonds work and how they are traded in the market.
- Why the recent bank failures.
- How to protect yourself
- The potential impact of these bank failures on the housing market and Raleigh mortgage rates.
Reality
Episode 174 | March 11, 2023
Here are some main points discussed in this informative episode of the Martini Mortgage Podcast about mortgage rates and real estate.
Perception vs. Reality: Many people base their reality on their perception of a headline or article they didn’t read, leading to an information crisis about housing.
Mortgage Rates: Mortgage rates are still below their historical average and provide an unprecedented opportunity for homebuyers today.
Ultimate Homebuying and Mortgage Guide: The Spring 2023 edition of the Martini Buyer Guide was created to provide a straightforward explanation of the current real estate and mortgage markets. It features informative articles that address crucial aspects of home buying and mortgage application processes, and it’s the perfect guide for anyone who wants to stay up-to-date on what’s happening in the real estate market.
Inflation: Inflation erodes bond returns and causes higher yields, which increases home loan rates. However, inflation will get under control, and the Fed will slay inflation to improve home loan rates.
The Current Market: The current real estate market offers an advantage to homebuyers due to the bright red zone of buyer demand, where sellers are motivated to participate in deals and even offer price reductions or temporary buydowns to lower rates for buyers.
Trifecta: Taking advantage of the current market allows buyers to lock in the home price, gain equity and wealth as their home value grows over time, and structure their home loan with the lowest cost of borrowing for the current environment.
If homeownership is right for you and your family, the reality is that now is an opportunity, and waiting for lower rates will cost more in the long run. This is critical because money is made in real estate when you buy, not when you sell, and homeownership wins over time.
Contact Kevin Martini at Martini Mortgage Group to explore whether homeownership is right for you.
Kevin Martini | NMLS 143962 | Certified Mortgage Advisor | Martini Mortgage Group at Gold Star Mortgage Financial Group, Corporation | NMLS # 3446 | 507 N Blount St, Raleigh, NC 27604 | (919) 238-4934 | www.MartiniMortgageGroup.com | [email protected] | Equal Housing Lender
4 Stages of Buyer Demand
Episode 173 | February 25, 2023
Understanding the 4 stages of buyer demand and how to navigate the real estate market will help homebuyers achieve a win-win-win situation: buying in a tight real estate market, getting incentives from the seller, and having an interim low rate today.
Tax Credit
Episode 172 | February 5, 2023
Did you know that the Martini Mortgage Group offers the Mortgage Credit Certificate (MCC) in partnership with North Carolina Housing and Finance Agency (NCHFA)?
This tax credit can save first-time homebuyers up to $2,000 a year, every year for as long as you live in the home!
As a supplement to this episode to learn more:
Affordability
Episode 171 | January 27, 2023
Let’s face it, mortgages might be a good bit higher than they were in the past, but at least you can take solace in the fact that rates today are lower than last year.
And if lower home loan rates isn’t reason enough for a jolt to your morale, you could always consider home values – sure, one month may see the market dip, but experts all seem to agree that year-over-year there will be no retreat.
But don’t despair just yet – that third factor of affordability, wages, comes like a beam of light over yonder hills; wages are on the rise and with them our capacity to own homes!
Put it all together and you have yourself a potentially more attainable future when it comes to finally buying that dream house of yours.
Tune into this special episode 171 of the Martini Mortgage Podcast which is called ‘Affordability’ and it takes a deep dive into home affordability.
Using Gift Funds to Buy a Home
Episode 170 | January 12, 2023
In this speical epsiode of the Martini Mortgage Podcast, Certified Mortgage Advisor Kevin Martini shares how the gift tax really works and how to use gift funds to buy a home.
For more information about this episode, check out the following article published by the Martini Mortgage Group: https://www.martinimortgagegroup.com/how-does-the-gift-tax-work-when-using-gift-funds-to-buy-a-home-by-raleigh-mortgage-broker-kevin-martini/
HELPING HOMEBUYERS BECOME HOMEOWNERS
Video Edition | Episode 169
YouTube
Rumble
HELPING HOMEBUYERS BECOME HOMEOWNERS
Episode 169 | January 6, 2022
The housing market is in an information crisis, not a housing crisis.
In this special episode of the Martini Mortgage Podcast, Certified Mortgager Advisor Kevin Martini, gores beyond the headlines into the pure data to help homebuyers to become homeowners and to help more sellers get their home sold.
Get the inside scoop on what’s really going on in the housing market and learn how you can take advantage of it.
Listen and enjoy 🙂
Inflation and Mortgage Rates
Episode 168 | December 10, 2022
In real estate story in 2022 is all about inflation and mortgage rate. In 2023, the developing story will be a rinse and repeat of the 2022 real estate story (i.e. inflation and mortgage rates).
“…mortgage rates are transitory however home prices are sticky and they are going up.”
In this special episode of the Martini Mortgage Podcast, Raleigh mortgage broker and Certified Mortgage Advisor Kevin Martini, takes a look at the unprecedented doubling of mortgage rates in 2022 and shares how taming inflation will yield to lower home loan rates in 2023.
Freeze it and opt-out!
Episode 167 | November 18, 2022
One of the most important assets often overlooked and not properly protected by many is their credit score. In this special episode of the Martini Mortgage Podcast, Raleigh mortgage broker and Certified Mortgage Advisor Kevin Martini discuss a free way to stop unauthorized access to your credit but also another free strategy to stop unsolicited offers that put pressure on your credit score.
As a supplement for episode 167 of the Martini Mortgage Podcast, information on how to ‘freeze it‘ … ‘thaw it‘ … ‘opt-out‘ go to: https://www.martinimortgagegroup.com/freeze-it-and-opt-out/
You will find resources for website, telephone number and address for Equifax, Experian and Trans Union. In addition to website and telephone number for the Consumer Credit Reporting Agency to opt-out.
WARNING: there is no guarantees that a freeze will protect you 100% of the time. One may still steal your non public private information or maybe one may hack into one of your existing open accounts however it is my opinion, the credit freeze opting out of unwanted credit solicitation is the most reliable defense you have in your arsenal to prevent identity fraud.
What is going on in November 2022
Episode 166 | November 12, 2022
Inflation, the unprecedented rise of mortgage rates, news about inventory increased are just a few of the topic to be shared in special video and audio edition of a monthly series from the Martini Mortgage Group that is are calling ‘What is going on in November 2022’
4 Pieces of Good News for Homebuyers
Episode 165 | November 3, 2022
Just a couple months ago it was unthinkable that mortgage rates would be where they are today especially, with the knowledge where they we at the beginning of the year. This is the breaking news in the real estate arena. It is indisputable that these mortgage rates are presenting some challenges to homebuyers today. The unfolding story right now is how the challenges in the real estate market are creating unique opportunities and is good news for homebuyers.
Raleigh mortgage broker and Certified Mortgage Advisor Kevin Martini host a special episode of the Martini Mortgage Podcast called: ‘4 Pieces of Good News for Homebuyers’
Tune in to learn about these 4 good pieces: 1) options 2) buyer bidding battle 3) power 4) the emergence of the introductory rate
Is now a good time to buy a home?
Episode 164 | October 26, 2022
This is a trick question. The answer to, ‘is now a good time to buy a home’ is yes since real estate is a long-term investment. The real question should be; ‘is now a good time for me to buy a home?’ The answer to that question is, maybe or maybe not!
In this special episode of the Martini Mortgage Podcast, Certified Mortgage Advisor Kevin Martini packs the 3 questions to consider when determining if homeownership is right for you and if now is a good time for you to buy a home.
6 reasons why now…
Episode 163 | October 19, 2022
With higher mortgage rates, with economic uncertainty and with what appears to be a cooling real estate market, is buying a home today still a good investment?
Light in a dark Tunnel
Episode 162 | October 13, 2022
Inflation and higher mortgage rates represent an unprecedented opportunity for homebuyers today. Certified Mortgage Advisor Kevin Martini talks about how the release of the September 2022 Consumer-Price Index (CPI) provides an unfair advantage for homebuyers.
“What is going on (October 2022 Edition)”
Episode 161 | October 8, 2022
What is going on in the news that could impact mortgage rate and home values…what is going on with inflation and how is it impacting home loan rates and house values…what is going on with mortgage rates…what is going on with the just released ‘no contract lock’ program offered by the Martini Mortgage Group…what is going on with Seller-Paid Buydowns…what is going on in the future for real estate and mortgage rates…what is going on with the elephant in the room (a.k.a. recession and home values).
A chat with Raleigh Realtor Bailey Weaver Packard
Episode 160 | October 6, 2022
In this special interview of the Martini Mortgage Podcast, Certified Mortgage Advisor and Raleigh lender Kevin Martini interviews Raleigh area real estate expert Bailey Weaver Packard with eXp Realty.
Who is Bailey Weaver Packard?
Bailey is an experienced real estate agent who goes above and beyond for her clients. She was born and raised in Raleigh, she has a deep knowledge of the real estate market as well as all things local. Her clients have shared that she provides the best level of customer service while keeping her client’s financial goals at the forefront is her mission. (And to have fun while doing so, of course!)
During episode 160 of the Martini Mortgage Podcast Bailey unpacks many key topics that potential homebuyers and home sellers need to know about buying real estate and she also peppers in some nuggets about living in the Triangle of North Carolina.
Buydowns
Episode 159 | September 28, 2022
Right now mortgage rate environment has caused a mortgage payments to increase to a level not seen in over two decades. Right now, this current real estate market is putting pressure on potential homebuyers and buydowns may be a tool to help not just homebuyers today but also home sellers.
In this very special episode of the Martini Mortgage Podcast, Certified Mortgage Advisor Kevin Martini talks about what a ‘Seller-Funded Buydown’ is and discusses how a homebuyers and home sellers can benefit from buydowns.
Enjoy 🙂
It’s fall ya’ll!
Episode 158 | September 22, 2022
Is the weather the only thing that is going to be cooling this fall, will real estate be cooling too?
This special episode, with Certified Mortgage Advisor Kevin Martini, provides an overview of the Fall edition of the Martini Buyer Guide which simply and effectively communicates the current real estate and mortgage opportunity present this fall.
A chat with Realtor Tyler Chestnutt
Episode 156 | September 7, 2022
In this special interview edition of the Martini Mortgage Podcast, Certified Mortgage Advisor Kevin Martini interviews Raleigh Real Estate Expert Tyler Chestnutt with the Tyler Chestnutt Team at eXp Realty.
Tyler has strategically positioned himself in a niche by becoming the agent of choice for Millennials and Gen X and in this episode addresses the current market conditions for a first-time homebuyer and repeat homebuyers.
This is truly a great conversation that simply and effectively communicates what people need to know about buying a home.
What is happening with home prices?
Episode 155 | August 31, 2022
Right now, the hot topic that is top of mind with not just people that want to purchase a home but with people that currently own a home is, what is happening with home prices? It is a very understandable concern with everything that is going on. In this special episode of the Martini Mortgage Podcast, Certified Mortgage Advisor and Raleigh mortgage broker Kevin Martini provides a glimpse on what is (really) happening with home prices.
3 hot topic in real estate
Episode 154 | August 15, 2022
Raleigh mortgage broker and Certified Mortgage Advisor Kevin Martini in this special episode of the Martini Mortgage Podcast goes over the 3 hot topics in real estate and mortgage arena. They are 1) the current real estate and mortgage rate environment, 2) fears of a rinse and repeat of the 2008 housing crisis, and 3) What does real estate and mortgage rates look like for the balance of year and beyond.
Affordability
Episode 153 | August 10, 2022
There is a lot of chatter today about home affordability or more specifically the perception that homes are no longer affordable. SPOILER ALERT: Homes are still very affordable!
In this special episode of the Martini Mortgage Podcast, Raleigh mortgage broker and Certified Mortgage Advisor Kevin Martini breaks down affordability in housing today.
“Just because home prices are going up, does not mean that homes are not affordable? Sure, home price plays a factor but it is not the only factor in home affordability.” ~~ Kevin Martini
Change
Episode 152 | August 3, 2022
There has been a lot of changes in the real estate markets and in the mortgage arena in 2022. Is this change good, bad or is it just change?
This change from ‘frenzy’ to ‘normal’ represent a moment of opportunity for one that wants to be a first-time homebuyer or a repeat homebuyer.
“…some people are comparing the current real estate market to pandemic market which was an anomaly whereas, the current market should be compared to the most recent normal markets.” ~ Raleigh mortgage broker Kevin Martini
Think Again
Episode 151 | July 26, 2022
Think buying a home is expensive? Try renting!
Think we are getting ready for a rinse and repeat of 2006 & 2007? Think again!
In this special episode of the Martini Mortgage Podcast, Raleigh mortgage broker and Certified Mortgage Advisor Kevin Martini compares and contrasts the current real estate market of today to the real estate market of 2006 & 2007 in 4 areas: 1) supply 2) buyers 3) incomes 4) leverage
Real Estate is Turning
Episode 150 | July 20, 2022
Right now the real estate is turning. There is no question, the first half of 2022 was a great time to buy a home. Right now the real estate is turning. We all hear terms like ‘the market is shifting’ or ‘the market is pivoting’ but the real estate market is turning. Is turning a bad thing? With this turn, is now still a good time to buy a home?
In this special episode of the Martini Mortgage Podcast Certified Mortgage Advisor and Raleigh mortgage broker Kevin Martini goes beyond the headlines to share why the real estate market is turning and dissects the raw data on the future direction of the real estate market and mortgage rates.
The loudest voice is an idiot!
Episode 149 | July 12, 2022
Headlines often mislead people into thinking something that may or may not be true. Right now there is a lot of headlines about death real estate and unaffordable mortgage rates since inflation is high and there is potential recession coming or worse, we are in a recession. Recession are part of the economic cycle and there is proven history on what happens before, during and after a recession with mortgage rates and real estate. The loudest voice who has written the obituary on real estate and mortgage rates is an idiot. When you go beyond the headline and into the data you will find that now is the time to marry your home and date your rate.
In this special episode of the Martini Mortgage Podcast, Raleigh mortgage broker and Certified Mortgage Advisor Kevin Martini share the factual data why real estate is green and growing not ripe and rotten.
What is the point of points?
Episode 148 | July 6, 2022
What is a mortgage point and are they a good thing? It depends!
In this special episode of the Martini Mortgage Podcast, Raleigh mortgage broker and Certified Mortgage Advisor, Kevin Martini talks about what a mortgage points (a.k.a. discount points or as “buying down the rate”) are and the pros and cons of mortgage points.
Now is the real estate opportunity!
Episode 147 | June 28, 2022
Regardless of size, there is no decision that should be made based on a headline. A decision on buying a home should be made after knowing the facts. Right now, there is noise about real estate and mortgage rates and sadly the real truth and the real opportunity is being missed. Fluctuating mortgage rates, home price deceleration and looming recession are facts but, is a recession bad for real estate values? Is there a pure need for real estate? Are home loan rates just going to get more expensive or are they going to retreat?
In this special episode of the Martini Mortgage Podcast, Certified Mortgage Advisor and Raleigh mortgage broker, Kevin Martini takes a glimpse of the headlines and goes deep into the data about where home values are headed and where mortgager rates are headed.
Yes, it is time to fall in love with the home and marry the home but it is time to date the mortgage rate — tune in top learn more…
Kevin Martini | NMLS 143962 | Certified Mortgage Advisor and Producing Branch Manager | Martini Mortgage Group at PCL Financial Group (powered by Celebrity Home Loans, LLC NMLS 227765) | 507 N Blount St Raleigh, NC 27604 | (919) 238-4934 | www.MartiniMortgageGroup.com |[email protected] | nmlsconsumeraccess.org |Equal Housing Lender
What the Heck Is Going On?
June 15, 2022
Higher home values, higher inflation, higher home loan rates — WHAT THE HECK IS GOING?
Certified Mortgage Advisor and Raleigh mortgage broker, Kevin Martini discusses home appreciation, fluctuation mortgage rates and inflation in this special episode of the Martin Mortgage Podcast.
Kevin Martini | NMLS 143962 | Certified Mortgage Advisor and Producing Branch Manager | Martini Mortgage Group at PCL Financial Group (powered by Celebrity Home Loans, LLC NMLS 227765) | 507 N Blount St Raleigh, NC 27604 | (919) 238-4934 | www.MartiniMortgageGroup.com |[email protected] | nmlsconsumeraccess.org |Equal Housing Lender
Homeownership
June 1, 2022
In June we celebrate National Homeownership Month however every month of every year is a great time to celebrate the once in a lifetime opportunity to build generational wealth that homeownership provides.
Yes homeownership provides financial and lifestyle benefits and sadly there are many myths that are holding many back. In this episode of the Martini Mortgage Podcast, Raleigh mortgage broker and Certified Mortgage Advisor, Kevin Martini will not just shares but also address the 3 widely held myths that are preventing many from taking advantage of everything that homeownership has top offer:
Homeownership Myth Number 1: You student loans debt means you will not qualify for a mortgage.
Homeownership Myth Number 2: You need to have a 20% down payment to secure a mortgage in the Raleigh area.
Homeownership Myth Number 3: Renting makes more financial sense.
If you have questions about what you hear in this episode of the Martini Mortgage Podcast please call the Martini Mortgage Group which is located in Raleigh, North Carolina however we help families in all 100 counties of North Carolina and pretty much in every state in the U.S. too.
Kevin Martini | NMLS 143962 | Certified Mortgage Advisor and Producing Branch Manager | Martini Mortgage Group at PCL Financial Group (powered by Celebrity Home Loans, LLC NMLS 227765) | 507 N Blount St Raleigh, NC 27604 | (919) 238-4934 | www.MartiniMortgageGroup.com | [email protected] | nmlsconsumeraccess.org |Equal Housing Lender
First-Time Home Buyers Tax Credit
May 24, 2022
Raleigh Mortgage Broker and Certified Mortgage Advisor Kevin Martini hosts episode 144 of the Martini Mortgage Podcast which is called: First-Time Home Buyers Tax Credit.
First-time home buyers in North Carolina may be eligible to receive up to $2,000.00 a year not just for the first year but for every year vis-a’-vis the Mortgage Credit Certificate offered by the Martini Mortgage Group in conjunction with North Carolina Housing and Finance Agency.
Are you eligible? Are there income limits for the family? Is there a max purchase price? Can you get the tax credit and still deduct your mortgage interest? Is the tax credit only good for the first-year? All great questions and they are all answered in this special episode of the Martini Mortgage Podcast.
Kevin Martini | NMLS 143962 | Certified Mortgage Advisor and Producing Branch Manager | Martini Mortgage Group at PCL Financial Group (powered by Celebrity Home Loans, LLC NMLS 227765) | 507 N Blount St Raleigh, NC 27604 | (919) 238-4934 | www.MartiniMortgageGroup.com |[email protected] | nmlsconsumeraccess.org | Equal Housing Lender
A Real Estate Crash Coming Soon, NOT!
May 19,2022
A topic that is on the mind of many potential first-time homebuyers and current homeowners in Raleigh, North Carolina and really in every city in the U.S. is, are heading into a housing crash because we are in a housing bubble that is going to burst.
🚨SPOILER ALERT 🚨
We are not in a real estate bubble, we are in a real estate boom!
In this special episode of the Martini Mortgage Podcast, Certified Mortgage Advisor Kevin Martini goes beyond the headlines and into the data on home appreciation since 1945, forbearance numbers, lending standards, foreclosure activity, the 2022 forecasts from the top 7 agencies and the 5-year home appreciation estimates.
For additional data and graphs please refer to the the following website:
Kevin Martini | NMLS 143962 | Certified Mortgage Advisor and Producing Branch Manager | Martini Mortgage Group at PCL Financial Group (powered by Celebrity Home Loans, LLC NMLS 227765) | 507 N Blount St Raleigh, NC 27604 | (919) 238-4934 | www.MartiniMortgageGroup.com |[email protected] | nmlsconsumeraccess.org |Equal Housing Lender
Recession, Rates and Real Estate
May 10, 2022
Many are talking about a recession coming. How will a recession impact impact home values and how will a recession impact mortgage rates? With the Federal Reserve raising rates and talking about reducing their balance sheets, how will this impact mortgage rates? Episode 142 of the the Martini Mortgage Podcast with Certified Mortgage Advisor Kevin Martini is called Recession, Rates and Real Estate.
This special episodes unpacks what experts believe will happen to real estate and mortgage rates when there is a recession because there will be one — it is not a question of ‘if’, it is ‘when’ it will happen. Raleigh mortgage broker, Kevin Martini takes a deep dive into what the Federal Reserve is doing and how it will impact mortgage rates and share factual data not he future of real estate values.
Kevin Martini | NMLS 143962 | Certified Mortgage Advisor and Producing Branch Manager | Martini Mortgage Group at PCL Financial Group (powered by Celebrity Home Loans, LLC NMLS 227765) | 507 N Blount St Raleigh, NC 27604 | (919) 238-4934 | www.MartiniMortgageGroup.com | [email protected] | nmlsconsumeraccess.org |Equal Housing Lender
The Big Opportunity
May 3, 2022
The big opportunity in Raleigh today is to buy and own rental properties. Raleigh mortgage broker, Kevin Martini and Logan Martini unpack just 3 financial benefits of owning an investment property; passive income, tax benefits and appreciation.
If not now, it could really cost you!
April 26, 2022
Many people are curious what will happen to home values over the next few years. Some renters think they need to keep renting and some homeowners think they should stay stay in the house they now own even though it does not meet their current or future needs because of fear of a real estate shift. Oh by the way, shift is a euphemism for real estate bubble.
SPOILER ALERT – there we are not in a a real estate bubble zone, we are in a real estate opportunity zone!
In this special episode of the Martini Mortgage Podcast called, if not now, it could really cost you; Certified Mortgage Advisor Kevin Martini breaks down the economics based on what a dynamic group of 100+ economists, housing market analyst and investment strategists are predicting for the next 5-years.
Kevin Martini | NMLS 143962 | Certified Mortgage Advisor and Producing Branch Manager | Martini Mortgage Group at PCL Financial Group (powered by Celebrity Home Loans, LLC NMLS 227765) | 507 N Blount St Raleigh, NC 27604 | (919) 238-4934 | www.MartiniMortgageGroup.com | [email protected] | nmlsconsumeraccess.org |Equal Housing Lender
Credit Freeze by Raleigh Mortgage Lender Kevin Martini
April 19, 2022
The single most important thing that one can to prevent becoming of victim of identity theft is to freeze their credit. Certified Mortgage Advisor and Raleigh Mortgage Broker Kevin Martini shares in this special episode of the Martini Mortgage Podcast, episode 139 which is called; You got to freeze it, why one should freeze their credit and how one can freeze their credit.
For information on how to freeze your credit with Experian, Equifax and TransUnion (website address, phone numbers & addresses) check out the helpful links in the ‘Learning Center’ at www.MartiniMortgageGroup.com under the title: Credit Freeze by Raleigh Mortgage Lender Kevin Martini
Kevin Martini | NMLS 143962 | Certified Mortgage Advisor and Producing Branch Manager | Martini Mortgage Group at PCL Financial Group (powered by Celebrity Home Loans, LLC NMLS 227765) | 507 N Blount St Raleigh, NC 27604 | (919) 238-4934 | www.MartiniMortgageGroup.com | [email protected] | nmlsconsumeraccess.org | Equal Housing Lender
Rising mortgage rates impact on housing
Will rising mortgage interest rates impact housing, specifically home appreciation?
April 12, 2022
During the first quarter of 2022, mortgage rates essentially went from right at 3% to basically 5% for a 30-year fixed mortgage, how will this quick spike in mortgage rates impact home appreciation? In thus special episode of the Martini Mortgage Podcast, Certified Mortgage Advisor, Kevin Martini breakdown the impact that higher mortgage rates will have on home appreciation by looking at historical data from the last 6 times mortgage rates moved more that 1% and that impact on home values.
Kevin Martini | NMLS 1591485 | Senior Mortgage Strategist | Martini Mortgage Group at PCL Financial Group (powered by Celebrity Home Loans, LLC NMLS 227765) | 507 N Blount St Raleigh, NC 27604 | (919) 238-4934 | www.MartiniMortgageGroup.com | [email protected] | nmlsconsumeraccess.org |Equal Housing Lender
5 Benefits of Private Mortgage Insurance
April 5, 2022
Private Mortgage Insurance (a.k.a. PMI) is very misunderstood by many consumers and real estate professionals today. PMI is a good thing! Making a 20% down payment is a difficulty hurdle to leap over for many people however a 20% down payment is not required today to secure a mortgage courtesy of private mortgage insurance. In addition, allows one to amplify their buying power.
In this special episode of the Martini Mortgage Podcast, Certified Mortgage Advisor and Raleigh Mortgage Lender Kevin Martini shares 5 Benefits of Private Mortgage Insurance.
Kevin Martini | NMLS 143962 | Certified Mortgage Advisor and Producing Branch Manager | Martini Mortgage Group at PCL Financial Group (powered by Celebrity Home Loans, LLC NMLS 227765) | 507 N Blount St Raleigh, NC 27604 | (919) 238-4934 | www.MartiniMortgageGroup.com | [email protected] | nmlsconsumeraccess.org |Equal Housing Lender
Your home search, things to consider.
March 29, 2022
The first step to homeownership is the home loan and the second step is go find your home after you have have price and cost clarity of the mortgage. After getting approved for the mortgage and before the start of the home search one needs to create a list of ‘must haves’, ‘should haves’ and ‘absolute with list’ with their real estate professional.
Raleigh mortgage lender and Certified Mortgage Advisor Kevin Martin discusses your home search, things to consider in episode 135 of the Martini Mortgage Podcast.
6 Financial Reasons for Homeownership
March 22, 2022
Homeownership has so much to offer financially but it can also positively impact your life today and impacts future generations. In this special episode Certified Mortgage Advisor , Kevin Martini, share 6 Financial Benefits for Homeownership. Each benefit is powerful by itself but when you consider the layers of benefits to homeownership, it is an opportunity that needs further investigation if it is right for you and your family.
The 6 benefits that are explained in detail in episode 135 of the Martini Mortgage Podcast are: Leverage, Housing Cost, Forced Savings, Tax Benefits, Hedge Against Inflation and Non-Financial Benefits.
Listen to the full episode and to learn more or to learn howe homeownership can help you, connect with Kevin Martini with the Martini Mortgage Group by calling (919) 238-4934.
Home Affordability Today
March 15, 2022
Affordability, are homes affordable today? What are the components to home affordability? Is buying power the same as home affordability? OH MY, so many questions! In this special episode of the Martini Mortgage Podcast, Certified Mortgage Advisor Kevin Martini answers these questions and unpack home affordability today.
Kevin Martini | NMLS 143962 | Certified Mortgage Advisor and Producing Branch Manager | Martini Mortgage Group at PCL Financial Group (powered by Celebrity Home Loans, LLC NMLS 227765) | 507 N Blount St Raleigh, NC 27604 | (919) 238-4934 | www.MartiniMortgageGroup.com | [email protected] | nmlsconsumeraccess.org |Equal Housing Lender
The Homebuyers Opportunity This Spring
March 8, 2022
Is there truly an opportunity for homebuyers this spring since we are in a sellers’ market? YES, there is a homebuyer opportunity this spring even with higher mortgage rates, tight inventory, and inflation. Certified Mortgage Advisor Kevin Martini goes beyond the headlines to look at the real homebuyer opportunity this spring in this special episode of the Martini Mortgage Podcast.
Housing Bubble or Opportunity
March 1, 2022
Many homeowners and future homebuyers are concerned that a housing bubble is beginning to be formed and some believe we are already in a bubble. Is this perception realty?
It is understandable why some have this perception however perception is not always reality. Episode 132 of Martini Mortgage Podcast takes a deep dive into the data to compare 2007 to 2022.
SPOILER ALERT: the 2022 real estate market is nothing like the 2007 real estate market.
Certified Mortgage Advisor, Kevin Martini with the Martini Mortgage Group at PCL Financial Group will share 4 reason why real estate today is not a housing bubble: 1) Affordability 2) Mortgage Standards 3) Foreclosures 4) Inventory.
Enjoy and reach out to the Martini Mortgage Group by calling (919) 238-4934 with questions.
Homebuyers need to be strategic
Dec 6, 2021
When buying a home, regardless if you are a first time homebuyer or a repeat homebuyer, you need to be strategic in any real estate market — especially in this current real estate market.
Yes, buying a home is like playing chess, not checkers. The first move you make is the most important and it can be a… [readmore]
Real Estate Forecast (2022)
Nov 16, 2021
Today more than ever, there seems to be headlines and conversations about real estate values and mortgage rates in 2022, specifically about where they are headed and where they are going to be. In this in this special episode of the Martini Mortgage Podcast, Certified Mortgage Advisor Kevin Martini discuss in the… [readmore]
3 Credit Score Hacks
Oct 12, 2021
Your credit is more important than ever today. In this special episode of the Martini Mortgage Podcast, Certified Mortgage Advisor Kevin Martini shares 3 (proven) credit score hacks to increase your credit score for the purchase a home and secure a mortgage.
If you do not have healthy credit, these 3 secret credit… [readmore]
Fall 2021 Homebuyer Guide
Sep 21, 2021
This special episode of the Martini Mortgage Podcast provides an audio glimpse into the Fall 2021 homebuyer guide that simply and effectively communicates the current real estate and home loan rate opportunity.
The Fall 2021 Homebuyer Guide is not just for first-time homebuyers, it is also for current homeowners that…[readmore]
7 Financial Freedom Reasons to Own a Home
Sep 4, 2021
There is not a ‘one-size-fits-all’ roadmap to financial health. On the journey to financial wellbeing is owning real estate. For many the ultimate goal is financial freedom and to secure financial freedom owning a home is a the cornerstone. Homeownership has financial benefits that can create generational wealth… [readmore]
Are Young People Buying Homes?
Aug 25, 2021
Are younger people and millennials’ interested in purchasing a home? YES THEY ARE and they driving the homeownership growth today. You know what else is driving the homeownership growth rate? Historic home loan rates. Certified Mortgage Advisor Kevin Martini talks about if purchasing a home still makes sense in… [readmore]
Are homes really still affordable?
Aug 12, 2021
Recently there has been a lot of conversations and headlines about home affordability especially since homes have appreciated dramatically in the last 12-months. In this special episode of the Martini Mortgage Podcast, Certified Mortgage Advisor Kevin Martini answers the question if homes are really still affordable… [readmore]
3 talking points in the housing market
Jul 29, 2021
It does not matter if you are first-time homebuyer, repeat homebuyer, a seller of a house or a homeowner — you need to know the current hot topics about the housing market. There has been a major shift in the housing market and in this special episode of the Martini Mortgage Podcast, Certified Mortgage Advisor Kevin… [readmore]
Future Home Values
Jul 13, 2021
It is not what 1 person thinks about where real estate is headed — it is what the top 100+ economists, investment strategists, and housing market analysts regarding their 5-year expectations for future home values in the U.S.
Certified Mortgage Advisor, Kevin Martini, shares the break down of the most recent Home… [readmore]
It’s not a bubble, it is OPPORTUNITY!
Jun 29, 2021
With the increase of home values in the recent years, some are voicing concerns that we may be in another housing bubble like the one we experienced a little over a decade ago. It is understandable how one could have this perception of the real estate market without full access to all of the data. The data… [readmore]
Buying a home this Summer
Jun 22, 2021
Right now there is a ton of chatter about the real estate market and mortgage rates. Not just ‘want-to-be’ homebuyers are asking question, even current homeowners are asking question too…this episode of the Martini Mortgage Podcast, with Certified Mortgage Advisor Kevin Martini, goes beyond the headlines and into…[readmore]
Should I stay or should I go?
May 29, 2021
Today, the level of equity homeowners have is at an all-time high. This epic home equity position is prompting many homeowners to to ask if they should stay and refinance their current home or should the list their home for sale and upgrade into a better home that will fit their needs.
For those considering to stay,…[readmore]
5 Powerful Reasons to Own a Home
May 20, 2021
Certified Mortgage Advisor, Kevin Martini, hosts episode 119 of the Martini Mortgage Podcast which is titled: “5 Powerful Reasons to Own a Home”.
There is nothing wrong with renting and there is a time to rent however that time is not now when you consider the 5 Kevin Martini Powerful Reasons to Own a Home that are…[readmore]
Why wait?
May 10, 2021
Many people today are sitting on the fence trying to decide if now is the right time to buy a home. To help determine if now it the right time to buy or is it better to wait 12-months you have to answer ‘YES’ to one of these 2 questions:
Question #1: Do you think home values will be higher a year from now? [readmore]
2021 Interest Rate and Housing Outlook
Jan 11, 2021
What is the outlook for the mortgage markets…what is the outlook for the housing market and what is the outlook for the economy in 2021? Will interest rates rise in the year ahead? Did you miss the opportunity to refinance? Did you miss the opportunity to buy a home at an epic home loan rate? Will housing remain…[readmore]
$8K for downpayment in NC
Dec 23, 2020
If you are a first-time home buyer in North Carolina or a military veteran buying a home in North Carolina then you may be eligible for $8,000 in downpayment assistance with the North Carolina First Home Advantage Downpayment Program offered by the (a.k.a. NCHFA) with loan originated by the Martini Mortgage Group at…[readmore]
2021 Fannie Mae and Freddie Mac Conforming Loam Limits
Dec 17, 2020
Chief Mortgage Strategist Kevin Martini hosts episode 114 of the Martini Mortgage Podcast which is about the new 2021 Conforming Loan Limits for Fannie Mae and Freddie Mac home loans.
Fannie Mae and Freddie Mac maximum conforming loan limits for 2021 will increase to $584,250 according to the Federal Housing Finance…[readmore]
Buying a Home, Things to Consider
Dec 16, 2020
If you are a first-time homebuyer, a repeat homebuyer or work in the real estate arena this podcast episode is for you. Chief Mortgage Strategist Kevin Martini curated this Martini Mortgage Podcast episode to simply explain the housing market and the process of getting a mortgage and to introduce a free resource which…[readmore]
3 strategies to be victorious in a bidding war
Oct 31, 2020
There is a high likelihood that if you see a home for sale that is properly priced in great condition there could be a bidding war. Maybe you may experience a bidding war if the home for sale is not properly priced too. The real estate market right now is very tight so a buyer needs to be prepared for a bidding war…[readmore]
Top Stressors of Selling During a Pandemic
Oct 15, 2020
Many feel selling a home is stressful under normal circumstances and can be very stressful if you are selling during a pandemic. Seller have many concerns like: how is the real estate market during the pandemic, is it smart to sell during a pandemic ???when you list your house for sale, how do you know the people…[readmore]
Freeze it! Don’t just monitor it!
Oct 2, 2020
The fastest-growing crime in the nation is Identity Theft (a.k.a. Identity Fraud). 1 out of 15 people will be impacted by Identity Theft. Many think monitoring it is the best strategy however this alerts you after a bad actor has already gained access to your information. The credit freeze it is the most reliable…[readmore]
Things to Consider When Buying a Home Fall 2020
Sep 15, 2020
There are many thing to consider when buying a home as a first time home buyer or as a repeat homebuyer. Raleigh Mortgage Strategist, Kevin Martini, highlights 10 key topics that are top of mind for many right now whom are considering to buy real estate now, soon or in…[readmore]
Your Mortgage – Deal Maker or Deal Breaker?
Aug 25, 2020
Your mortgage can be a deal maker or a deal breaker. When you are buying a home for the first time or as a repeat buyer, it is irrelevant to communicate to a home seller that you are ready and willing…you need to communicate that you are ready , willing and able to buy. The only way to properly communicate your…[readmore]
5 Financial Reasons for Homeownership
Jul 30, 2020
Is owning a home right for everyone – NO IT IS NOT! Is owning a home right for you? I do not know, but I do know there are financial benefits to owning a home and this episode of the Martini Mortgage Podcast will highlight the 5 Kevin Martini Financial Reasons for Homeownership.
Buying a home as a…[readmore]
Good Old Days are Right Now
Jul 24, 2020
There are times that people talk about the ‘Good Old Days’…what they were able to do way back when. There are few moments in life that you are able to live in the ‘Good Old Days’ and right now is one of those rare occasions. Right now is the ‘Good Old Days’ for real estate and home loan rates and…[readmore]
Jobs and the Housing Market
Jul 16, 2020
Today, top of mind with many people is real estate. People that own real estate are concerned about the economy and how it is going to impact their home value. Renters are concerned with jobs or unemployment numbers and this is preventing them from exploring buying options. Jobs and the housing market is what this…[readmore]
VA Home Loan Explained
Jun 25, 2020
The VA Home Loan is not just one of the most powerful home loan options but it is also the best mortgage option available today. When you think about it, it should be. The best home loan product should be reserved for the brave that serve our country. This episode of the Martini Mortgage Podcast highlights the 4…[readmore]
Mortgage Rates AND Home Price
Jun 17, 2020
Mortgage rates are not just low they are hovering near historic all-time lows. In addition, home appreciation in this market is not myth — it is a reality! Mortgage Strategist Kevin Martini discusses what the current home loan rate environment is like and what it means to one that is a first-time home buyer or…[readmore]
If you are thinking this like 2008, STOP IT!
Jun 9, 2020
The housing market in 2020 is not like the real estate market in 2008. Many people have questions today about where the housing market is headed since courtesy of COVID-19 we are in the middle of an economic slowdown. The current real estate market today is materially different then the real estate market in 2008. [readmore]
National Homeownership Month
Jun 3, 2020
June is National Homeownership Month – even though the official celebration for National Homeownership Month is in June, every month and every day in any year is truly a time to celebrate homeownership. Obviously there are economic benefits to homeownership but the reality is that homeownership also provides other…[readmore]
What is going on that you need to know!
May 21, 2020
The 100th episode of the Martini Mortgage Podcast with Kevin Martini is called: “What is going on that you need to know!” Kevin Martini is not just the host of the Martini Mortgager Podcast, he is also the Branch Manager and Senior Mortgage Strategist of the Martini Mortgage Group at Benchmark Mortgage which is…[readmore]
Credit Score 101
May 21, 2020
Credit score 101 is the name of the 101st episode of the Martini Mortgage Podcast which is hosted by Raleigh Mortgage Strategist Kevin Martini with the Martini Mortgage Group at Benchmark Mortgage.
FACT: You need a credit to secure a mortgage.
FACT: Many people overestimate what their credit score needs to be in…[readmore]
5 questions a homebuyer, a homeowner or a Realtor need to know right now.
Apr 11, 2020
The 5 questions I will be answering are:
- When will the economy recover?
- How will unemployment impact housing?
- Are we going into a recession?
- It is…[readmore]
Coronavirus Mortgage Relief and Opportunity Options
Apr 6, 2020
Coronavirus Mortgage Relief and Opportunity Options is a special episode of the Martini Mortgage Podcast to help one understand their relief options and for one to understand their opportunities if they are a homeowner or want to be a homeowner.
Kevin Martini | NMLS ID 143962 | Senior Mortgage Strategist & Branch…[readmore]
WHAT NO ONE IS TELLING YOU
Mar 27, 2020
WHAT NO ONE IS TELLING YOU – important information if you are thinking of buying a home for the first or if you are a repeat homebuyer & are getting a mortgage…important information if you are thinking of refinancing your current home loan into a lower rate or to a different term…important information is you work in…[readmore]
Coronavirus, Real Estate and Mortgages
Mar 7, 2020
There is no question that the full impact of the Coronavirus is still not known and it is creating uncertainty however with uncertainty there is opportunity for families the have a mortgage today…there is an opportunity for families that are in a house the will not meet their long term needs…there is an opportunity…[readmore]
PMI, a good thing!
Mar 3, 2020
Private Mortgage Insurance (a.k.a. PMI) is a good thing! Without PMI a 20% does payment would be required to secure a conforming home loan — PMI allows one to buy a home with less than 20% down. The monthly cost fo PMI depends on the home’s value, the amount of your down payment and your credit score. Once you…[readmore]
If you Rent and want to Buy a Home
Feb 10, 2020
There is nothing wrong with renting and there is a time to rent however that time is not now. Year after year after year rents have gone up and there is no sign of this uptick stopping however there is a way that you can lock in your housing costs and that is with a fixed rate mortgage.
Episode 092 of the Martini…[readmore]
Is real estate the best investment one can make today?
Feb 25, 2020
Is real estate the best investment one can make today? As a primer, there is never a wrong time to make the right investment. In addition, buying a home is smarter than renting. It is my opinion, that right now is one of the best times in history to buy real estate. Episode 94 of the Martini Mortgage Podcast will…[readmore]
6 Financial Benefits of Owning a Home
Feb 18, 2020
Homeownership is not right for everyone but if it is right for you and your family it is important that you know the financial benefits of owning a home. Raleigh Mortgage Lender Kevin Martini shares his 6 financial benefits of owning a home in this special episode of Mortgage Podcast.
Kevin Martini | NMLS ID 143962…[readmore]
