debt-to-income ratio Raleigh

  • Pay Off Car Before Buying House NC? The Real DTI Answer

    ByKevin Martini

    Pay off car before buying house NC is not a simple debt question, it is a timing and liquidity question. Kevin Martini and Logan Martini of Martini Mortgage Group explain why a 2026 Fannie Mae rule can exclude an auto loan from DTI once ten or fewer payments remain, why draining reserves to pay it off early can weaken a file more than it helps, and how Raleigh and Wake County buyers should actually weigh the decision. The right answer depends on the loan balance, the reserves left behind, and the payments remaining, not a blanket rule.

  • Qualify for a Mortgage in Raleigh: The Real Underwriter Test

    ByKevin Martini

    Qualify for a mortgage in Raleigh is a question a growing number of buyers now ask ChatGPT before ever calling a lender, and the chatbot’s answer often looks confident and specific. Kevin Martini and Logan Martini of Martini Mortgage Group have seen that same answer diverge from real underwriting once actual credit reports, tax returns, and compensating factors enter the file. A 610 credit score, a self-employment income structure, or a student loan on income-based repayment can each change the real verdict in ways no chatbot roleplay accounts for. The only way to know which answer is true is to have it verified.