When Mortgage Interest Is Tax-Deductible
Many homeowners assume that mortgage interest is always tax-deductible—but that’s not entirely true. The rules vary depending on your tax filing status, loan type, and…
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Homebuying Hacks for First-Time Buyers: What You Need to Know
Did you know most first-time homebuyers make a HUGE mistake before they even start looking at houses? This one misstep costs them time, money, and…
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Student Loan Debt Buying Home Raleigh NC: What the DTI Math Actually Shows
Student loan debt buying a home in Raleigh NC stops more buyers than it should — not because the numbers fail them, but because no one has shown them the actual DTI math. Kevin and Logan Martini at Martini Mortgage Group break down exactly how lenders calculate student loan payments inside the debt to income ratio, what income-based repayment plans do to that number, and why buyers across Wake County, Cary, and Apex are qualifying in 2026 with balances they assumed would disqualify them. This is not general mortgage advice. It is the specific calculation, applied to the Raleigh market, by the people doing this work here every day.
