Raleigh Mortgage Blog

  • Raleigh Home Buying Window Closing: What May 2026 Data Shows

    ByKevin Martini

    Raleigh home buying window closing conversations picked up after Cotality’s May 2026 data showed national home price growth reaccelerating to 0.8% annually, the first uptick in two years. Kevin Martini and Logan Martini of Martini Mortgage Group break down why the reacceleration is uneven, what it does and does not mean for Wake County and the Triangle, and how a first-time buyer should weigh the cost of waiting against today’s still-available negotiating room. The data does not point to a spike, but it does point to a narrowing window.

  • ARM vs Fixed Rate Raleigh: The Real Refinance Risk

    ByKevin Martini

    ARM vs fixed rate Raleigh is a decision most guides reduce to a rate spread, but the real variable is whether a future refinance actually happens. The Mortgage Bankers Association’s June 22, 2026 forecast projects the 30-year fixed rate holding at 6.5% through 2027 and 2028, meaning the rate drop most ARM refinance plans depend on has little support right now. Kevin Martini and Logan Martini of Martini Mortgage Group explain why the safest ARM decision assumes the refinance never comes, and why a fixed rate mortgage removes that assumption entirely for Raleigh and Wake County homeowners.

  • Low Mortgage Rate or Sell Raleigh: The Real Reason

    ByKevin Martini

    Low mortgage rate or sell Raleigh owners keep treating a 3% rate as the whole decision, when it is one line in a five-figure equation. Kevin and Logan Martini of Martini Mortgage Group show that usable equity, the buy-before-sell sequence, and the true monthly cost matter more than the rate. In Wake County, where the median price hit $450,000 in early 2026, the difference between a good rate and a good decision is a structured plan. This article gives Raleigh and Triangle homeowners the framework to decide with confidence.