Author: Kevin Martini

Kevin Martini (NMLS 143962) is a Certified Mortgage Advisor and Producing Branch Manager at Martini Mortgage Group at Rate in Raleigh, North Carolina. Since 2006, he has originated more than $1 billion in home loans and helped families across Raleigh, the Triangle and North Carolina use their mortgage as a tool to build long-term wealth. Kevin's philosophy is simple: any mortgage company will tell you what you CAN do, but very few will help you understand what you SHOULD do. That's why he built Martini Mortgage Group on a Strategy Before Structure approach. Every home loan is designed around the client's full financial picture, short- and long-term goals, and total cost of borrowing, not just today's rate. Because the team's Certified Mortgage Advisors and Mortgage Strategists are paid a salary rather than 100% commission, their fiduciary-style advice focuses on what's best for the client before, during and long after closing, with the goal of helping families grow their wealth, reduce debt and plan for a debt-free retirement. Kevin holds a Bachelor of Science in Business Administration and Management from Nova Southeastern University's Huizenga School of Business & Entrepreneurship. He hosts the Martini Mortgage Podcast, with more than 250 episodes, and shares mortgage strategy and market news on Instagram (@KevinMartiniLive) and YouTube (@MartiniMortgage).

  • Mortgage Advisor vs Mortgage Broker: Which One Protects You?

    ByKevin Martini

    Mortgage advisor vs mortgage broker is the comparison most guides oversimplify by calling the two identical. Kevin Martini, a Certified Mortgage Advisor, and Logan Martini of Martini Mortgage Group give the useful version: the labels overlap, the best professionals are both, and a broker is sometimes the right call. What actually protects a Raleigh buyer is not the title but accountability, the kind that holds through closing. In North Carolina, where the Due Diligence fee is non-refundable, that distinction protects real money.

  • Is Refinancing Worth It Raleigh NC: The Honest 2026 Math

    ByKevin Martini

    Is refinancing worth it Raleigh NC homeowners ask in 2026, and the answer starts with the rate they already hold. With most owners locked below 5 percent and rates above 6, refinancing the full balance can cost more than it saves. Kevin Martini and Logan Martini at Martini Mortgage Group weigh rate-and-term against cash-out, calculate the true break-even, and flag when a HELOC protects a low rate better than a refinance. For owners in Raleigh, Cary, and Apex, the honest answer is sometimes to leave a good loan alone, and only an independent read settles it.

  • Is My Mortgage Offer Good Raleigh NC: 5 Real Signs

    ByKevin Martini

    Is my mortgage offer good Raleigh NC is the question first-time buyers ask while staring at a rate they cannot benchmark against anything. The rate is the one number lenders compete on, so it hides more than it reveals. Kevin Martini and Logan Martini at Martini Mortgage Group judge an offer by the APR, the lender fees, the loan structure, and the depth of the approval. Two offers at the same rate can differ by thousands once the full Loan Estimate is read. For buyers in Raleigh, Cary, and Apex, the only reliable answer is an independent second look before the signature.