Martini Mortgage Podcast: Recent Episodes

Kevin Martini

Kevin Martini with the Martini Group at PCL Financial is known for helping his Clients and Real Estate Partners create wealth through real estate with a mortgage. Kevin Martini and the entire Martini Mortgage Group have a unique way to simply and effectively communicate the current home loan and market opportunities.

FACT: It is not just a house...it is a home.

Listen and hear for your self...enjoy:)

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 | Kevin@MartiniMortgageGroup.com | nmlsconsumeraccess.org |Equal Housing Lender

Renewing a lease feels like the safe choice. Most of the time, it's just the choice that asked nothing of you.

[EPISODE SUMMARY] Renew lease or buy Raleigh is the decision renters face every twelve months, and most of them resolve it by doing nothing at all. Kevin Martini, Certified Mortgage Advisor and Producing Branch Manager at Martini Mortgage Group, breaks down why "waiting for a better rate" rarely holds up once someone is asked to name the actual number they're waiting for. He walks through a real client story, a Cary, NC renter who renewed her lease four years in a row before discovering, in the eleventh week after finally calling, that she'd been ready for at least two of those years. The episode names status quo bias directly, the well documented tendency to prefer things stay the same even when the alternative is demonstrably better, and shows why it shows up hardest in housing decisions.

[KEY QUESTIONS THIS EPISODE ANSWERS]

Why do renters keep renewing their lease instead of just buying a house?
Is waiting for mortgage rates to drop actually a strategy, or is it just an excuse?
How do I know if I'm actually ready to buy instead of signing another lease?

[WHAT YOU WILL LEARN]

Why "waiting for a better rate" only counts as a real strategy when there's an actual number attached to it.
The specific week that changed everything for a Cary, NC renter who had renewed her lease four years straight.
How status quo bias homebuying shapes decisions more than most renters realize, and why it feels like patience instead of avoidance.
The two paths every renter is standing between at lease renewal time, and what separates them.
What it actually costs, in rent and in repeated hesitation, to keep waiting for an unnamed number.
Why testing your numbers against a real file matters more than waiting for the market to announce the "right" time.

[ABOUT THE HOST] Kevin Martini (NMLS 143962) is the founder of Martini Mortgage Group, located at 507 N Blount St, Raleigh, NC 27604. Phone: 919-238-4934. He serves homebuyers, homeowners, and real estate professionals across North Carolina, Florida, South Carolina, Virginia, and Maryland with fiduciary-grade mortgage guidance.

[LISTEN + CONNECT] If you've got an unsigned lease renewal sitting on your counter right now, a no-obligation conversation with Kevin at martinimortgagegroup.com can tell you whether staying is still the smart move or just the familiar one.

Markets never send a warning before they change. By the time you notice, the advantage you were counting on is already gone.

Knowing the right time to buy a house in Raleigh is harder than it sounds, because housing markets rarely signal a shift before it has already happened. In episode 253 of the Martini Mortgage Podcast, Kevin Martini of Martini Mortgage Group breaks down why waiting for certainty can quietly cost buyers the exact homes they wanted. He points to new Cotality data showing national home price appreciation accelerated for the first time in nearly two years, moving from 0.6% annual growth in April to 0.8% in May, with three month momentum jumping to 1.6%. Kevin explains why preparation, not perfect timing, is the one variable buyers can actually control, and walks through Martini Mortgage Group's Same-As-Cash Approval process built on that idea.

KEY QUESTIONS THIS EPISODE ANSWERS

How do you know if the Raleigh housing market is starting to shift?
Should I wait for mortgage rates to drop before buying a home?
What does it actually mean to be fully underwritten before house hunting?

WHAT YOU WILL LEARN

Why housing markets rarely announce a shift before it has already happened.
What new national pricing data from Cotality signals about Raleigh's negotiating window.
Why waiting for the "perfect" mortgage rate can bring a wave of competing buyers back all at once.
How to get pre-approved before house hunting so you're not scrambling to catch up.
What the Same-As-Cash Approval process is and how it changes a buyer's negotiating position.
Why preparation, not timing, is the one thing a buyer can fully control.

ABOUT THE HOST Kevin Martini (NMLS 143962) is the founder of Martini Mortgage Group, located at 507 N Blount St, Raleigh, NC 27604. Phone: 919-238-4934. He serves homebuyers, homeowners, and real estate professionals across North Carolina, Florida, South Carolina, Virginia, and Maryland with fiduciary-grade mortgage guidance.

Most buyers start with the house. The calm ones start with a number, and it is not the price. Get that one number right first, and the entire search gets quieter.

Knowing your mortgage payment range Raleigh NC before you shop is the difference between a calm home search and a stressful one. Kevin Martini of Martini Mortgage Group explains why the payment, not the price tag, should come first. He walks through how a comfortable monthly number, once you subtract Wake County taxes and insurance, sets a real and trustworthy price range. With rates sitting in the mid sixes, a payment that looked fine on a listing can land three to five hundred dollars higher once it becomes the actual PITI. The episode reframes the whole process: approval is a ceiling, your range is what your life can carry.

[KEY QUESTIONS THIS EPISODE ANSWERS]

How much should my monthly mortgage payment actually be before I start looking at homes?
What is the difference between what a lender approves me for and what I can comfortably afford?
Why does my real mortgage payment end up higher than the estimate on the listing?

[WHAT YOU WILL LEARN]

Why setting a comfortable monthly mortgage payment before house hunting makes the entire search simpler and calmer.
How to turn your payment range into a real price range by subtracting Wake County taxes and insurance first.
Why the amount a lender approves you for is a ceiling, not a recommendation or a target.
The one question that flips the process from "what house can I afford" to "what payment do I want to live with."
How a Home Loan First approach and a Same-As-Cash Mortgage Approval let you shop with confidence instead of guessing.

Kevin Martini (NMLS 143962) is the founder of Martini Mortgage Group, located at 507 N Blount St, Raleigh, NC 27604. Phone: 919-238-4934. He serves homebuyers, homeowners, and real estate professionals across North Carolina, Florida, South Carolina, Virginia, and Maryland with fiduciary-style mortgage guidance.

If you want help finding your real number before you start shopping, reach Kevin directly at 919-238-4934 or start a no-obligation conversation at martinimortgagegroup.com.

The lowest mortgage rate can become the most expensive decision you ever make. Here is what nobody tells you — and the three questions that change everything.

Knowing how to choose a mortgage lender is one of the most financially consequential decisions in the homebuying process — and most buyers are evaluating it on the wrong criteria. In episode 251 of the Martini Mortgage Podcast, Kevin Martini of Martini Mortgage Group reframes the entire conversation: buyers are not choosing a rate, they are choosing a process — a person and a system responsible for their file when the appraisal comes in low, an underwriter flags an undisclosed deposit, or a deadline is four days out and something still needs to clear. In North Carolina, where the Due Diligence fee goes directly to the seller at signing and is non-refundable, a lender who misses a condition deadline costs you that money regardless of what rate they quoted. Kevin walks through the strategic path — including the Home Loan First approach and Same-As-Cash Mortgage Approval — that creates clarity before pressure arrives.

[KEY QUESTIONS THIS EPISODE ANSWERS]

What should I look for in a mortgage lender besides the rate?
What questions should I ask a mortgage lender before making an offer?
What happens to my Due Diligence fee if my lender misses a deadline in North Carolina?

[WHAT YOU WILL LEARN]

Why the lender's process — not their rate — is what determines whether your transaction closes on time or falls apart under pressure.
How North Carolina's Due Diligence fee structure makes lender selection a direct financial risk decision, not just a preference.
The three questions almost nobody asks a mortgage lender, and why the answers reveal nearly everything about whether they can protect your outcome.
What questions to ask a mortgage lender about how they communicate with your real estate agent — and why it matters in competitive offer situations.
The difference between a pre-qualification and a fully reviewed approval, and what that difference costs you when something goes wrong.
How the Home Loan First strategy builds confidence before the house hunt, so the right home triggers readiness — not scrambling.

Kevin Martini (NMLS 143962) is the founder of Martini Mortgage Group, located at 507 N Blount St, Raleigh, NC 27604. Phone: 919-238-4934. He serves homebuyers, homeowners, and real estate professionals across North Carolina, Florida, South Carolina, Virginia, and Maryland with fiduciary-style mortgage guidance.

[LISTEN + CONNECT] To start a no-obligation conversation about your mortgage strategy, visit martinimortgagegroup.com or call Kevin directly at 919-238-4934.

Most families don't know there's a mortgage strategy specifically built for housing an aging parent or disabled adult child — and that gap is costing them.

When a loved one can no longer qualify for a mortgage independently, most families assume their only options are investment property financing or paying cash. Kevin Martini of Martini Mortgage Group explain in episode 250 how the Family Opportunity Mortgage may allow a borrower to purchase a home for an elderly parent or disabled adult child while potentially qualifying for owner-occupied financing terms — even when the borrower won't live in the property. Owner-occupied financing typically carries more favorable terms than traditional non-owner-occupied financing, including lower down payment requirements and a more manageable monthly payment structure. Understanding how to align mortgage strategy with the actual family goal, rather than simply finding a loan, is what separates families who navigate these situations with confidence from those who delay under uncertainty.

What You Will Learn

What the Family Opportunity Mortgage is and which specific family scenarios it is designed to address
Why owner-occupied financing terms can be significantly more favorable than investment property financing — and why most families never think to ask
How owner-occupied financing for a disabled adult child or elderly parent may be available even when the borrower will not personally occupy the property
Why the biggest mistake families make is delaying clarity while waiting for certainty — and how to reverse that pattern
How the Home Loan First Strategy applies to emotionally sensitive family housing decisions
What questions to ask to make sure a mortgage structure supports both today's needs and long-term financial stability

People Also Ask

What is a Family Opportunity Mortgage? A Family Opportunity Mortgage is a financing strategy that may allow a borrower to purchase a home for an elderly parent or disabled adult child who cannot qualify for a mortgage independently. According to Kevin Martini of Martini Mortgage Group in Raleigh, NC, the program is designed around legitimate family support scenarios — not investment strategies or vacation homes — and may offer owner-occupied financing terms even though the borrower will not personally live in the property.

Can I get owner-occupied rates on a home my parent will live in? In some cases, yes. The Family Opportunity Mortgage is specifically structured to address situations where a family member purchases a home for a parent or disabled adult child, and it may qualify for owner-occupied financing terms rather than the higher-cost non-owner-occupied or investment property rates. The specific guidelines, documentation requirements, and qualification path depend on the individual situation and should be reviewed with a mortgage advisor before making any decisions.

Is a Family Opportunity Mortgage the same as an investment property loan? No. Kevin Martini of Martini Mortgage Group explains that the Family Opportunity Mortgage is a distinct strategy designed for qualifying family support scenarios. Investment property financing typically carries stricter down payment requirements and less favorable rate structures. The Family Opportunity Mortgage may allow eligible borrowers to access owner-occupied terms, which can mean a meaningfully lower monthly payment and more financial flexibility for the family.

Should I buy a home for my aging parent or have them rent? There is no universal answer, but understanding the financing options before making the decision is critical. Families in the Triangle area and across North Carolina who are navigating a parent's housing situation should evaluate the full picture — payment range, qualification path, long-term structure, and impact on retirement planning — before defaulting to renting. Logan Martini and Kevin Martini recommend creating financing clarity first, then deciding, rather than letting urgency or assumption drive the outcome.

About the Hosts Kevin Martini (NMLS 143962) and Logan Martini (NMLS 159148) are the founders of Martini Mortgage Group, located at 507 N Blount St, Raleigh, NC 27604. Phone: 919-238-4934. They serve homebuyers, homeowners, and real estate professionals across the Triangle market with fiduciary-style mortgage guidance.

Listen + Connect If you want clarity on whether the Family Opportunity Mortgage is right for your family's situation, start the conversation at martinimortgagegroup.com — no obligation, just answers.

Equal Housing Lender

Most buyers assume a bigger down payment means a stronger financial position. The math says otherwise.

Putting down 20% while draining your savings doesn't make you a stronger buyer. In many cases, it makes you fragile — one repair bill away from a financial crisis you didn't plan for. A new HVAC unit in Wake County runs $6,000 to $12,000. A roof replacement in Apex or Cary rarely comes in under $15,000. These aren't rare events. They're eventual ones. The buyer who closes with reserves absorbs them. The buyer who doesn't is immediately reaching for a credit card to fix an asset they already own.

Lenders in the Raleigh and Triangle market look at what's left after closing — not just what went into the deal. A buyer with 5% down and three months of reserves is often in a stronger position than one who stretched to hit 20% and arrived at closing with nothing left.

In this episode, Kevin Martini breaks down the real tradeoff most buyers never run — including the break-even calculation that reframes the entire PMI conversation and why cash reserves matter more than down payment size in year one of homeownership.

Want to go deeper? The full analysis — including real numbers from a Holly Springs buyer who modeled both scenarios before deciding — is at martinimortgagegroup.com/more-money-down-buying-home-raleigh-nc.

Ready to run your numbers? Call 919-238-4934 or schedule a conversation at martinimortgagegroup.com.

Send this to someone who thinks putting down more is always the smarter move. They need to hear this before they close.

Everyone says, "stay within your budget."

But what if your budget is the problem?

Most buyers aren't struggling with what they can afford… They're struggling with what actually feels comfortable.

And those are not the same thing.

Here's what nobody tells you: Qualifying is math. Comfort is strategy.

In this episode, you'll discover how to define a monthly payment that supports your life—not restricts it. We break down the three layers that create real financial comfort and why starting with home price is where most people go wrong.

Because the goal isn't just to buy a home… It's to feel confident after you do.

Send this to someone who's trying to "figure out their budget" the hard way.

Listen now and also check out this article: https://www.martinimortgagegroup.com/comfortable-monthly-payment-home-raleigh-nc/

Zillow isn't helping you make a better decision. It's making you feel like you are.

Most buyers are watching the wrong numbers… and drawing the wrong conclusions. Views, saves, and days on market feel like clarity—but without context, they create hesitation, missed opportunities, and costly assumptions.

Here's the shift: Zillow shows activity. It does not show intent.

In this episode, you'll learn how to interpret Zillow metrics the right way—what high views with low saves actually signal, why "days on market" might mean opportunity instead of risk, and how to spot leverage most buyers overlook.

Because the goal isn't to scroll smarter. It's to decide smarter.

Send this to someone who's been trying to "figure out the market" from Zillow alone.

Listen now and chek out this article for more details: https://www.martinimortgagegroup.com/best-zillow-metrics-strategy-raleigh-nc/

The biggest mistake buyers are making right now? They're listening to headlines… instead of signals.

Most people are waiting for the market to "tell them" when it's time. Rates drop. Prices shift. A clear moment appears.

But that's not how this works.

In this episode, you'll see what actually drives the housing market—and why waiting for certainty often puts you behind it. From inventory and days on market to seller behavior… you'll learn the real signals that create opportunity before everyone else sees it.

And more importantly—how preparation gives you leverage… while waiting quietly takes it away.

Send this to someone who's trying to "time the market" right now.

Listen now—and if you want clarity for your situation, reach out or schedule a time to talk.

The highest offer doesn't always win. And if you think it does… this might be why you're losing.

Most buyers believe it's a pricing game. Offer more, win the house. But sellers aren't choosing the highest number—they're choosing the most certain outcome.

And that changes everything.

In this episode, you'll see what sellers actually look for in financing—and why some buyers win without being the highest offer. We break down the four signals that create confidence, how uncertainty quietly kills deals, and why "pre-approved" often isn't enough.

Because when your financing feels unpredictable… your offer does too.

Send this to someone who thinks bidding higher is the strategy.

Listen now—and see what sellers see before they choose.

ADDITONAL RESOURCE: https://www.martinimortgagegroup.com/what-sellers-look-for-in-financing-raleigh-nc/

Everyone says wait.

But what if waiting is the one move that quietly puts you behind?

If you've been asking, "Should I buy a house now or wait?"—this episode will challenge the way you've been thinking about that question. Because this isn't about timing the market. It's about understanding your position within it.

In this episode, Kevin Martini breaks down the real difference between waiting and preparing—and why buyers who focus on clarity often make stronger, more confident decisions regardless of where rates or prices go next.

If you've been stuck in the cycle of overthinking, second-guessing, and trying to "get it right," this conversation will help you shift from guessing… to strategy.

Resources: https://www.martinimortgagegroup.com/should-i-buy-a-house-now-or-wait-in-raleigh-nc/ https://www.martinimortgagegroup.com/kevin-martini/

Most buyers think their monthly mortgage payment is fixed.

Like gravity. Or taxes. Or the fact that open houses always smell like vanilla candles.

But that assumption quietly causes thousands of buyers to pause their home search.

Because when the payment looks high… people assume the only solution is waiting for rates to fall.

Here's the twist.

Sometimes the seller can help lower your payment — dramatically — in the years that matter most.

And almost nobody explains how.

In this episode of the Martini Mortgage Podcast, Kevin Martini breaks down one of the most overlooked negotiation strategies in today's housing market:

Seller-paid buydowns.

It's a simple concept with powerful implications.

Instead of negotiating a small price reduction that barely changes the payment, buyers can sometimes structure the deal so the seller temporarily lowers the buyer's interest rate.

The result?

A significantly lower monthly payment in the early years of homeownership.

And those early years are exactly when most buyers need the most breathing room.

In this episode you'll learn:

• Why lowering the purchase price doesn't always lower the payment much • How seller-paid buydowns actually work (in plain English) • Why this strategy is quietly becoming more common in today's housing market • When a buydown makes sense — and when it doesn't • The question smart buyers ask before they ever start house hunting

Most people believe buying a home is about finding the right house.

But as Kevin explains in this episode, the real advantage comes from something else entirely.

Understanding the strategy before you start looking.

Want to go deeper? If you want to better understand how mortgage buydowns work — and how they can impact your payment — these two resources expand on the strategies discussed in this episode:

Complete Guide to Mortgage Buydowns https://www.martinimortgagegroup.com/mortgage-buydown-raleigh-nc/

Seller-Paid Buydowns Explained https://www.martinimortgagegroup.com/seller-paid-buydown-raleigh/

If you know someone who is waiting to buy because the payment feels too high, send them this episode.

It might change how they see the entire homebuying process.

🎧 Listen now to Episode 243: Seller-Paid Buydowns — The Smartest Budget Path for 2026?

Something interesting is happening in the housing market—and most buyers haven't noticed it yet.

It starts with a number: six percent.

Because housing research suggests that if mortgage rates hover around that level, nearly 27,000 additional households in the Raleigh metro area could qualify to buy a home.

Now, that doesn't mean 27,000 buyers will rush the market tomorrow.

But it does mean something important.

It means the pool of eligible buyers could expand quickly—and when that happens, housing markets can shift faster than most people expect.

In this episode of the Martini Mortgage Podcast, Kevin Martini breaks down:

• what the "27,000 buyer shift" actually means • why housing markets move quietly before headlines appear • the difference between hopeful buyers and strategic buyers • and how preparation—not prediction—changes the homebuying experience

If you've been watching the market and wondering whether to move forward or wait, this episode may help you see the situation from a completely different angle.

Because in housing, the buyers who benefit most from change are usually the ones who prepared before the shift became obvious.

For a deeper breakdown of the research and Raleigh housing market analysis discussed in this episode, read the full article here:

➡ The 27,000 Buyers Raleigh Housing Market Analysis https://www.martinimortgagegroup.com/27000-buyers-raleigh-housing-market/

🎧 Listen now—and if someone you know is quietly thinking about buying a home, send them this episode.

"We're ready to buy… we're just waiting for rates to come down."

It sounds responsible. It sounds patient. It sounds financially smart.

But what if that "smart" delay is quietly costing you leverage, negotiation power… and long-term opportunity?

In this episode, Kevin Martini unpacks the question almost every thoughtful buyer is wrestling with right now — and answers it without hype, urgency, or rate predictions.

Inside this episode:

• What really happens when mortgage rates drop • Why lower rates don't create calmer markets • The math most buyers overlook • Why purchase price often matters more than rate • The strategic difference between timing and positioning • When waiting is smart — and when it isn't

This conversation is about clarity — not pressure.

And if you want the deeper written breakdown (including additional data and strategic examples), Kevin also created a companion article that inspired this episode:

👉 Read it here: https://www.martinimortgagegroup.com/should-you-wait-for-mortgage-rates-to-drop-in-raleigh-nc/

Listen first. Then read. Then decide from clarity — not headlines.

If this episode shifts how you see the market, share it with someone who keeps saying, "We're just waiting."

Because sometimes waiting isn't cautious.

It's costly.

Most people think commitment starts when they sign a contract. It doesn't!

It starts earlier—when you quietly decide, "If the right house shows up, we're doing this."

That's the moment most mortgage mistakes are born.

In this episode, Kevin Martini breaks down what actually matters before you commit to a mortgage—and why so many problems don't show up until after the excitement, the paperwork, and the leverage are gone.

This isn't an episode about rates. Or timing. Or market noise.

It's about clarity.

You'll hear why being "approved" isn't the same as being ready… How surface-level approvals create false confidence… Why mortgage structure is really about risk, not comfort… And how choosing the wrong advisor often feels fine at first—until it doesn't.

If you're in that in-between space right now—not rushing, not browsing, just trying to do this smart—this episode will help you slow things down, ask better questions, and avoid the quiet mistakes people only talk about after it's too late.

🎯 Listen if you're thinking about buying, refinancing, or making a move soon—and want confidence before commitment.

👉 If this episode hits home, share it with someone who's "almost ready" but hasn't said it out loud yet.

Most buyers think they're prepared long before they actually are.

And the sentence that usually gives them false confidence?

"We're pre-qualified."

In this episode, Kevin Martini breaks down the real difference between pre-approval and pre-qualification—not in lender jargon, but in real-life consequences.

Because this isn't about paperwork. It's about peace of mind.

You'll hear why:

Pre-qualification often feels like progress—but quietly delays clarity
Pre-approval isn't a commitment, pressure, or point of no return
The most stressful moments in homebuying usually come after someone thought they were "ready"
And why confident buyers aren't luckier—they're clearer

If you've ever worried about:

being surprised by numbers
making a decision too fast
falling in love before knowing the full picture
or feeling foolish for missing something you "should've known"

This episode will feel uncomfortably accurate—in the best way.

🎙️ Listen before you browse another listing. 📤 Share this with the friend who keeps saying, "We're probably going to buy soon…"

If you've ever thought, "I just don't know if buying actually makes sense yet…" this episode is for you.

Most people frame the rent vs. buy decision around one question: How many years do I need to stay for buying to be worth it?

In this episode, Certified Mortgage Advisor and Raleigh Mortgage Lender Kevin Martini explains why that question—while logical—often leads smart, responsible people to wait longer than they intended. Not because they're careless, but because they're chasing certainty instead of clarity.

You'll learn:

Why breakeven isn't a date on a calendar
How waiting quietly changes the math (even when it feels safe)
The difference between being careful and drifting
What actually matters when deciding whether buying improves your life

This isn't about pushing you to buy. It's about helping you make a decision you won't second-guess.

If rent vs. buy has been looping in your head, this episode may change how you think about it entirely.

If 2026 is the year you're finally planning to buy a home…this episode might save you a very expensive lesson.

Because here's the truth most buyers don't realize until it's too late: the year before you buy is the one that decides how stressful—or strategic—the experience will be.

In this episode, Kevin Martini breaks down what 2025 quietly revealed about the Raleigh housing market—and why those lessons matter right now as 2026 gets underway.

No hype. No market panic. No guessing where rates are headed.

Just a clear, calm explanation of:

Why Raleigh never really "slows down"—it reshuffles
The subtle shift that gave prepared buyers leverage (and caught others flat-footed)
The difference between hopeful buyers and strategic buyers
Why waiting to feel "ready" often costs more than acting with clarity
What actually matters if buying a home is part of your 2026 plan

This episode is for anyone who wants to buy smart, stay calm, and avoid making a rushed decision they'll be paying for long after closing day.

If you've been saying, "This is the year… we just haven't started yet," this is the conversation you didn't know you needed.

🎧 Press play.

Then share it with someone who's quietly thinking about buying but doesn't know where to start.

Spring is overrated.

And if you're waiting for it to start your home search, you may already be paying for that decision.

In this special episode of the Martini Mortgage Podcast, Certified Mortgage Advisor Kevin Martini breaks down why January buyers quietly win—while everyone else lines up for bidding wars, pressure tactics, and inflated prices.

You'll discover:

Why "more inventory" often means less leverage
The hidden cost of the spring rush most buyers never see
How motivated sellers behave differently in January
And why preparation beats urgency every single time

If you want calm decisions, real negotiating power, and a smarter entry point into the Raleigh market—this episode will change how you think about timing altogether.

🎯 Listen now. 📤 Then send it to the friend who keeps saying, "We'll start looking in the spring."

If a mortgage sounds too good to be true… it probably is.

In this episode, Kevin Martini pulls back the curtain on one of the most common — and costly — traps homebuyers fall into: builder "special financing."

You know the offer. The low headline rate. The incentive that feels like free money. The promise that this deal is too good to pass up.

But here's the uncomfortable truth: many of these incentives don't lower your cost — they repackage it.

Kevin explains why builder incentives often work more like a sales tactic than a savings strategy, how this approach mirrors the automotive industry, and why buyers frequently pay far more than they realize — sometimes tens of thousands more — without seeing it on paper.

You'll also learn:

Why incentives that only work with one lender tell you everything you need to know
How focusing on the payment can quietly mask a higher total cost
The simple question that instantly reveals whether an incentive is real
Why new construction can look like a deal while actually being the most expensive option
And how getting a second opinion can completely change the math — and the outcome

If you're considering new construction — or even thinking about it — this is one episode you'll want to hear before you fall in love with the brochure.

🎧 Listen now — and share this with someone who's being shown "special financing."

The Two Levers That Get You the Best Deal in Real Estate (No Matter the Market)

Think the best deals in real estate have vanished? They haven't. They're hiding—quietly—right in front of the buyers who know how to look.

In this episode, you'll discover the two simple levers that instantly shift you from "hoping the market cooperates" to walking into negotiations with real leverage. No chasing trends. No waiting for perfect rates. No refreshing your apps like a nervous habit.

Just real strategy… the kind most buyers never hear about.

You'll hear:

• Why most buyers unknowingly give up their power • The psychology behind listings that sit too long • How to position yourself like a cash buyer (yes, even with a mortgage) • The exact formula that turns "Is this the right time?" into "I'm so glad I bought when I did."

If you want clarity, confidence, and the kind of leverage sellers notice, don't skip this one.

👉 Listen now, take notes, and send this episode to the friend who keeps saying "I'm waiting for the market to calm down." They need it

Want to go deeper or see these strategies in action? Here are a few powerful resources to keep your momentum going:

• How To Get the Best Deal Buying a Home in Raleigh: Your Two Biggest Levers Right Now A simple breakdown of today's real estate psychology — and exactly how to use it to your advantage. 👉 Read the blog

• Dreams to Doorsteps: A Raleigh Homebuyer Guide Your roadmap to buying with clarity, confidence, and zero guesswork. 👉 Download the guide

• North Carolina Mortgage Guide Everything you need to know about mortgages in NC… without the confusing jargon. 👉 Get the guide

• What People Say About the Martini Mortgage Group Real stories from real people about the clarity, communication, and confidence they experienced working with Kevin and the team. 👉 Read client reviews

• Top Raleigh Mortgage Lender for Homebuyers See why buyers across Raleigh and the Triangle choose the Martini Mortgage Group as their fiduciary-style mortgage partner. 👉 Explore the page

When Fannie Mae and Freddie Mac boost the conforming loan limit to $832,750, most people just scroll past the headline.

But this isn't a headline.

It's a quiet, market-moving, life-changing shift that affects anyone who's been waiting for "the right moment" to buy a home.

In this episode, Kevin Martini breaks down — in plain English — why this loan limit hike isn't just a number… it's a new lane of opportunity. A lane that didn't exist yesterday.

You'll hear:

• Why higher loan limits often mean higher prices • How this change widens access to better loan terms • Why waiting for "affordability" can actually cost you • The simple clarity that turns confusion into confidence

If you've been renting, second-guessing yourself, or silently worrying the market is moving without you, this episode will settle your stomach — and sharpen your strategy.

🎧 Listen now and send this to someone who needs to hear it before the market shifts again.

Additional Resources:

2026 Conforming Loan Limits

North Carolina Mortgage Guide

Dreams to Doorsteps: A Raleigh Homebuyer Guide

If you've been staring at this housing market wondering when the universe finally throws you a break… this episode is your sign.

Because something is shifting—quietly, steadily, and in your favor—and most people won't see it until it's too late.

Inside this special episode of the Matini Mortgage Podcast with Kevin Martini:

→ The overlooked signals that show a real window opening → Why stability (not low rates) is the game-changer → What smart buyers and homeowners are doing right now to get ahead → How one simple step turns uncertainty into confidence

This isn't market hype. It's clarity. The kind that makes you exhale… and then take action.

If you're tired of feeling "almost ready," you need this one. Share it with someone who needs a little light on the path ahead.

As an additional resource, check out: Raleigh Housing Market 2026 Forecast: Bright Turn Ahead

What if buying a home isn't about waiting for the perfect market… but creating your perfect plan?

In this episode, Certified Mortgage Advisor Kevin Martini flips the script on everything you think you know about timing the market.

He counts down the 7 financial truths that still work in 2025 — the timeless money moves that help you build stability, equity, and confidence in any market.

You'll hear why predictable payments beat rising rents, how leverage quietly builds wealth, and the #1 truth that might just change how you see your next move.

If you've ever wondered, "Should I wait or should I start?" — this episode will give you the clarity you've been craving.

Because when you understand the rules of real estate, you stop waiting for the market to change…and start using the market to change your life.

Share this one with someone who's still sitting on the fence — it might be the nudge they need to finally move forward.

Everyone's asking, "Is it finally a buyer's market in Raleigh?"

Kevin Martini says… not exactly — and that's great news for smart buyers.

In this episode, Kevin unpacks why the loan comes before the listing, how "Same-As-Cash Approval" changes your leverage, and why waiting for perfect conditions could cost you more than a few dollars — it could cost you your dream home.

👉 For full context, dive into the article that inspired this episode: "Is it a Buyer's Market in Raleigh, NC?" on the Martini Mortgage Group website.

If you've been watching rates, headlines, or open-house signs and wondering whether now's the time to move, this 10-minute listen will give you the clarity you need to act strategically, not emotionally.

🎧 Listen now — then share this episode with a friend who's almost ready to buy but keeps saying they'll "wait for the market to cool."

Because as Kevin says, the right strategy beats the best rate every time.

You can picture it — your key sliding into your own front door. The yard. The kitchen. The calm that comes from knowing it's yours.

In this episode, Certified Mortgage Advisor Kevin Martini shares seven insider strategies every future homeowner should know before making a move.

Discover why clarity beats chaos, why "pre-approved" crushes "pre-qualified," and how a few smart money moves today can build serious wealth tomorrow.

🎧 Listen now — and share it with the friend who keeps saying they'll "wait for rates to drop." Spoiler: the perfect time isn't found… it's created.

👉 Ready to go deeper? Explore more insights from the Martini Mortgage Group and unlock the complete North Carolina Mortgage Guide for strategies that turn curiosity into keys.

Think you can't buy a home because your tax returns make you look "broke"? Think again.

In this episode, Kevin Martini uncovers the hidden mortgage strategy that turns your bank deposits into buying power — no W-2s required. It's a behind-the-scenes look at how self-employed professionals, freelancers, and side-hustlers are finally leveling the playing field and unlocking doors that traditional lenders have kept closed.

Discover how to use your cash flow as your voice — and how that voice can say, loud and clear, "I deserve this home."

🎧 Listen in to learn:

How a Bank Statement Loan actually works (and who it's built for)
Why "slightly higher rates" can lead to much bigger opportunities
The real story of a client who bought his dream home when everyone else said no

This one's a game-changer for anyone who's ever been told they "don't fit the box."

➡️ Hit play, get clarity, and share this episode with someone who needs to hear they're not out of options.

You’ve got your eye on that next home… but what you do with your current one could either launch you forward or leave you stuck juggling two mortgages.

In this episode of the Martini Mortgage Podcast, Kevin Martini unpacks the simple strategy that savvy buyers are using to upgrade with confidence — not chaos.

You’ll discover:

Why selling before buying may protect your equity and sanity
How to avoid the #1 mistake most buyers make when upgrading
What to do when you're worried about having “nowhere to go”
Real-world math that could save you tens of thousands

Spoiler: This isn’t about moving fast. It’s about moving smart.

🎧 Listen, then send it to a friend who’s thinking about making a move in 2025. They’ll thank you.

Mortgage rates just cracked down to their lowest point in almost a year. Most buyers will scroll past this moment and miss it. Don’t.

In this episode, Certified Mortgage Advisor and Raleigh Mortgage Broker Kevin Martini break down 5 strategies you can use right now to buy smarter, save money, and take advantage of this rare window—before the crowd wakes up and the market shifts again.

If you’ve been waiting for “perfect timing,” this is the wake-up call you need.

🎧 Listen now—then share this episode with a friend who keeps saying they’ll “wait for the crash.”

The headlines are a hot mess.

Prices up. Prices down. Rates are sky-high. But also maybe dropping soon? 🙃

If you’ve been thinking, “What the heck is going on?”—this episode lays it all out, minus the panic and hype.

You’ll find out: — Why the market isn’t crashing (even if it feels like it) — Where the real power is shifting (hint: toward buyers) — What smart people are doing right now to play this market to win

This is the episode you send to your “wait and see” friend.

🎧 Listen before the next market wave hits.

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 | Kevin@MartiniMortgageGroup.com | Equal Housing Lender

You’re not just buying a home—you’re buying a decision that could cost you $80K.

Yep, you read that right. In this eye-opener of an episode, Kevin Martini explains the quiet math that most buyers miss. And spoiler: it’s not about the sticker price.

If you’ve been staring at Zillow listings, obsessing over whether now is the right time to buy… you need this episode. Because price is the number that looks good on paper. Cost is the number that changes your future.

This one’s for anyone stuck on the fence, waiting for mortgage rates to calm down or hoping for a magical price drop that never comes.

🎧 Press play to uncover:

Why waiting rarely makes homes cheaper (and usually just more painful)
How rent quietly steals your future wealth
The simple math behind the $80K cost of hesitation
What smart buyers know that others miss completely

💥 Share this one with a friend who's "thinking about buying"—before they overthink themselves into a corner.

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 | Kevin@MartiniMortgageGroup.com | Equal Housing Lender

You’ve seen the headlines. Heard the whispers. Felt the fear.

“Isn’t this the worst time to buy a house?”

In this episode, Certified Mortgage Advisor & Raleigh Mortgag Broker Kevin Martini with the Martini Mortgage Group says: not so fast.

Because what feels like a market meltdown... might just be your golden moment.

→ Why recessions don’t always crash home prices (and what history proves) → How smart buyers use uncertainty to their advantage → The truth about mortgage rates and why they’re not your enemy → And the one mindset shift that separates regret from long-term wealth

If you've been refreshing interest rates like they're TikTok likes, this one's for you. Listen, then share it with someone who swears they're “just waiting for the market to crash.

The market’s showing some cracks… but before you panic, grab a flashlight. Because what looks like a breakdown might just be your breakthrough.

There’s a shift happening. Headlines are whispering “softening.” Listings are up. Homes are sitting. And for the first time in a long time… buyers are holding the cards.

If you’ve been waiting for your moment to finally buy without the pressure, the bidding wars, and the “blink-and-it’s-gone” panic—this is it.

In this episode, Certified Mortgage Advisor & Raleigh Mortgage Broker Kevin Martini breaks down:

Why a 1% dip in home prices is a huge deal
What today’s housing slowdown really means (hint: it’s not 2008)
The negotiation moves buyers can finally make again
How to win before house-hunting even begins
And why renting might be the most expensive comfort zone of your life

⚠️ Don’t wait for “perfect.” That moment doesn’t exist. But a smart plan does.

🎯 This is the episode you’ll wish your friend heard—so share it with them now.

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 | Kevin@MartiniMortgageGroup.com | Equal Housing Lender

Rent keeps rising. Your landlord’s living it up. And you're stuck in an apartment with zero equity and a rent increase shaped like a jump scare.

If you’ve been waiting for a sign to stop renting and start building wealth, this episode is it.

In this episode, Certified Mortgage Advisor & Raleigh Mortgage Broker Kevin Martini spills the five game-changing reasons why 2025 could be the most strategic time to buy your first home—before headlines catch up and demand surges again.

➡️ Why rising rates aren’t the villain (and what savvy buyers know that others don’t) ➡️ The tax benefits your landlord doesn’t want you to know about ➡️ How homeownership can make your net worth explode ➡️ Why the market shift in 2025 is your silent advantage ➡️ The freedom and stability that renting simply can’t offer

This is not another “buy now before it’s too late” episode. It’s real talk, wrapped in data, and delivered with your future in mind.

Ready to stop renting and start planning? Listen in, then share this with a friend who’s still stuck in lease limbo.

Everyone’s yelling “CRASH!” But what if it’s not a collapse? What if it’s… a comeback?

This episode spills the real tea about what’s happening in the housing market—and why the loudest voices might be missing the quietest (and smartest) shift.

✅ The truth about mortgage rates ✅ What buyers are finally getting right ✅ Why “waiting for the crash” might be the most expensive decision you ever make

It’s not doom. It’s data. And if you’ve been holding off on homeownership, this might be the episode that changes everything.

🎧 Listen now—and forward it to your smartest friend. The one who’s still renting.

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 | Kevin@MartiniMortgageGroup.com | Equal Housing Lender

It smells like fresh paint. It looks like a Pinterest board come to life. And it feels like a dream.

But behind the granite countertops and “free” builder credits? A trap that’s cost more first-time buyers their equity (and sleep) than they’d ever imagine.

In this episode, Kevin pulls back the curtain on what builders don’t want you to know—and it might just save you tens of thousands.

🎧 Discover: – Why that $10K incentive is a mirage – The sneaky markup game no one warns you about – How builder pricing can destroy your resale value – What smart buyers really do before signing anything

You don’t need to fear new construction but you do need a strategy. Press play before you tour another model home.

Send this to someone who’s already picking backsplash colors.

Real talk: most people pick a real estate agent the way they pick a brunch spot—based on a vibe, not a strategy.

But this isn’t brunch. It’s your future.

In this episode, Certified Mortgage Advisor Kevin Martini shares 7 squirm-worthy questions your agent really doesn’t want you to ask. (Ask them anyway.)

This isn’t just about buying a house—it’s about buying smart.

Here’s what you’ll walk away with: → The #1 mistake people make before hiring an agent → How to know if your agent is part-time in a full-time market → What to ask so you don’t get stuck with a “tour guide” instead of a protector → The chess-move strategy that makes your offer stand out

Warning: once you hear this episode, you will send it to a friend. (Especially the one who just hired their cousin because “she just got her license.”)

🛑 Stop guessing.

🎯 Start winning.

🎧 Press play.

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 | Kevin@MartiniMortgageGroup.com | Equal Housing Lender

You don’t need to be ready to buy. You need to be ready when the right one shows up.

This episode is for anyone who’s ever gone from “I’m just browsing” to “Oh no… I NEED this house.” Before you fall for the backsplash and the natural light—listen in.

Kevin Martini, Certified Mortgage Advisor, is flipping the script on what pre-approval actually means. Spoiler: It’s not a trap—it’s your ticket to clarity, confidence, and a competitive edge that sellers love.

We’re talking: → The dangerous lie behind “I’ll get approved later” → Why smart buyers get strategic before they get emotional → The 4 C’s that make your offer stronger than cash

And yes, there’s a way to be fully approved without committing to a purchase. You just need the right plan.

Hit play—then text this to your favorite “Zillow scroller.”

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 | Kevin@MartiniMortgageGroup.com | Equal Housing Lender

0000030E 0000030E 00005E3C 00005E3C 000330A1 000330A1 00007E86 00007E86 0001B834 0001B834

“May you live in interesting times.” Sounds inspiring—until you realize it’s a fancy way of saying: good luck surviving the chaos.

In this episode of the Martini Mortgage Podcast, Certified Mortgage Advisor Kevin Martini breaks down why 2025 is not the year to hit pause on your dreams.

🛑 Waiting for perfect timing? It’s costing you more than you think.🏡 Renting? You’re investing in your landlord’s future, not yours.

📈 Buying? It's not about timing the market—it's about planning smart and acting strategically.

🔑 Discover why resale homes (not new construction) are the hidden gems of 2025—and why action beats anxiety every time.

If you’re tired of renting, tired of waiting, and ready to OWN your future—this one’s your blueprint.

🎧 Hit play. Take notes. Share it with a friend who needs a nudge.

Everyone’s asking: “Should I buy a house in 2025?” This episode gives you the answer no one else will.

Forget the headlines. Ignore the TikToks. In Episode 214 of the Martini Mortgage Podcast, Kevin Martini peels back the curtain on what’s really happening in the housing market—and whether 2025 is your year to buy.

✔️ Is now the time to make your move? ✔️ What’s actually going on with rates, inventory, and prices? ✔️ How do you know if you are ready (even if it doesn’t feel like it)?

This episode cuts through the noise with clarity, strategy, and zero fluff. If you're thinking about buying a home—or know someone who is—this is the episode to share.

🎧 Listen now. Your future self will thank you. ☎️ Ready to talk strategy? Call Kevin Martini at 919.238.4934.

Think a recession is your signal to hit pause on buying a home? It might be your signal to sprint.

In this episode, Certified Mortgage Advisor and Raleigh Mortgage Broker Kevin Martini flips the script on every scary headline, panic-peddling post, and “maybe I should wait” whisper in your head.

You’ll hear:

Why 2025 is not 2008
What recessions usually do to mortgage rates (spoiler: it’s good)
Why "buy now, refinance later" is a strategy—not a gamble
How sellers are suddenly offering perks like closing cost credits and buydowns

This episode isn’t about fear—it’s about facts. About action. About finally taking control of your timeline instead of waiting for the stars (and interest rates) to align.

Because the dream of homeownership doesn’t live in “someday.” It lives in one smart move.

Listen now, then share this with a friend who needs a nudge toward their next chapter.

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 | Kevin@MartiniMortgageGroup.com | Equal Housing Lender

You scored the golden-ticket mortgage rate. 2.75%. Maybe 3.5%. The kind people brag about at dinner parties.

But behind that shiny number? Credit card balances creeping up. A savings account that’s more “symbolic” than strategic. And an emergency fund that’s… well, a wish.

Here’s the truth no one’s telling you: Your low mortgage rate might be costing you more than you think.

In this episode, Kevin Martini spills the no-fluff truth about cash-out refinancing in 2025. Yes, he said cash-out refi. And yes, it might be the smartest financial move you make this year—if you do it right.

Forget the fear. Forget the headlines. This is your call to think bigger about what your equity can actually do for you.

It’s not about losing a low rate. It’s about gaining clarity, cash flow, and confidence.

Listen now—and then text this to your friend who keeps saying, “I’m just gonna wait.”

Think you’re not ready to buy a home because you still splurge on takeout or forgot to cancel that random subscription? That’s not the real reason you feel stuck.

In this straight-talking, no-fluff episode, Certified Mortgage Advisor Kevin Martini shatters the myth that buying a home starts with cutting out coffee and magically saving 20% down. (Spoiler: You don’t need anywhere near that.)

Instead, he hands you the actual steps to get your finances—and your confidence—in alignment, including:

The sneaky truth about where your money really goes
What a real budget looks like (hint: it’s not punishment)
How to start a savings habit that doesn’t rely on willpower
The surprising reality of mortgage credit scores vs what you see online
What to do right now even if you don’t want to buy for another year

This is not vague advice. It’s a custom game plan for your real life, broken down like your favorite how-to but with fewer charts and more truth bombs.

Saving doesn’t mean sacrificing. It means strategy.

Share this episode with someone who thinks homeownership is out of reach. They’re going to thank 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 | Kevin@MartiniMortgageGroup.com | Equal Housing Lender

Think you need 20% down to buy a home? That lie has been quietly killing dreams for decades—and it’s time to put it to rest. This episode spills the truth, the real truth, about what it actually takes to get the keys to your own place (spoiler: it’s way less than you think).

You’ll learn:

Why the 20% down myth is holding you back
The truth about credit scores—and what lenders really care about
Low and no down payment programs that might already be available to you
Why “waiting for the right time” might be costing you thousands

This isn’t a guilt trip. It’s a game plan. And if you’ve been sitting on the fence, wondering if it’s “too soon” to think about buying—this is your sign.

📲 Tap play. Then send this to the person in your life who’s this close to making a move but still thinks they need a suitcase full of cash.

Is renting really just throwing money away? Or is buying always the better option?

You’ve heard the arguments: “Stop paying your landlord’s mortgage!” … “Owning a home is how you build wealth!” But is it really that simple? Not exactly.

Here’s the truth: Neither is universally better—it depends on your situation. And making the wrong choice? That could cost you tens of thousands over time.

In this episode of the Martini Mortgage Podcast, we get straight to the facts—no fluff, no hype. You’ll learn:

✔️ The hidden advantages of renting (yes, they exist!) ✔️ Why homeowners have 40X more wealth than renters ✔️ The real costs of buying a home (spoiler: it’s probably less than you think) ✔️ 3 key questions to determine if you’re financially ready to buy

💡 Thinking about buying? Renting and wondering if it’s time to make a move? This episode is for you.

🚨 STOP scrolling real estate listings and cancel those open house plans—until you hear this.

What is the biggest mistake first-time homebuyers make? Doing the right things in the WRONG order.

Most people think house first, mortgage second. But here’s the real winning move: secure your home loan first.

In this episode of the Martini Mortgage Podcast, I’ll break down:

✅ Why getting your financing in place first gives you the edge ✅ The one factor you can’t change about a house—no matter how much you love it ✅ The hidden costs and pitfalls most buyers don’t see coming

Buying your first home is exciting—but doing it in the wrong order can cost you time, money, and peace of mind.

Hit play to learn how to avoid the biggest first-time buyer regrets. Then, send this episode to a friend who needs to hear this before they start house hunting!

🎧 Listen now and get ahead of the game.

Most homebuyers start with the wrong question: Is now the right time to buy? They wait, watch headlines, and hope for perfect conditions. But here’s the truth: The best time to buy isn’t about the market—it’s about whether YOU are ready.

🔑 Before you fall in love with a house, ask yourself:

✅ Am I financially and emotionally ready? ✅ Can I afford the payment AND still save money? ✅ Will this location work for me in 5 years?

Too many buyers wing it—don’t be one of them. In this episode, I reveal the 5 crucial questions you MUST ask before making a move, plus the game-changing mortgage strategy that puts you in control.

Don’t just buy a house. Secure your future with confidence.

💡 Listen NOW to avoid costly mistakes

Know someone thinking about buying? Share this episode—they’ll thank you later.

Stop scrolling if you’re convinced that the lowest rate is your ticket to homeownership bliss. In this episode, mortgage maestro Kevin Martini flips the script on “rock-bottom” interest rates, revealing the hidden fees and sneaky tactics that could cost you big time. Forget chasing numbers—learn how to build a strategy that saves you thousands and secures your dream home without the nasty surprises. Trust us, this is one episode you'll want to share with every savvy buyer you know.

Kevin Martini is a Certified Mortgage Advisor and the founder of the Martini Mortgage Group. With a proven track record of helping families across North Carolina and beyond, Kevin has dedicated his career to simplifying the mortgage process and empowering his clients to make informed financial decisions. Whether it's purchasing a first home, refinancing, or creating generational wealth through real estate, Kevin's personalized approach ensures every client feels confident and prepared.

https://twitter.com/kevinmartini

https://www.instagram.com/kevinmartinilive/

Discover how Certified Mortgage Advisor and Raleigh Mortgage Broker Kevin Martini can help you achieve your homeownership goals today: https://www.martinimortgagegroup.com/

🍸 Contact Information:

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 | Kevin@MartiniMortgageGroup.com | Equal Housing Lender

Think waiting for mortgage rates to drop will save you money? Think again.

In this episode of The Martini Mortgage Podcast, I’m breaking down why playing the waiting game could cost you BIG—more than just a percentage on your interest rate. From home price appreciation to the inevitable buyer frenzy when rates dip, I’ll show you why the best time to buy isn’t about the market—it’s about when you’re ready.

Why history proves waiting can be a costly mistake
The hidden risk of "perfect timing" in real estate
A side-by-side comparison of buying now vs. later—what’s the real difference?
How refinancing later can be your secret weapon

If you’ve been hesitating, this episode will change the way you think about mortgage rates and homeownership. Don’t wait for the "perfect rate"—let’s make a strategy that works for you.

🎧 Listen now and share with a friend who’s stuck on the fence!

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 | Kevin@MartiniMortgageGroup.com | Equal Housing Lender

Think all mortgage interest is tax-deductible? Think again. In this episode, Certified Mortgage Advisor Kevin Martini reveals the key factors that determine if you can claim this deduction. From itemized deductions to acquisition indebtedness, and even pre-2017 loans, this episode clears up the confusion. Plus, discover why investment properties play by entirely different rules. Don’t miss out on potentially saving thousands—or avoiding costly mistakes. Hit play, and make sure to share this episode with someone who could use this info.

Think you’re ready to buy a home? Most first-time homebuyers make a HUGE mistake before they even start house hunting—and it’s costing them big time. In this must-listen episode of the Martini Mortgage Podcast, Kevin Martini, Certified Mortgage Advisor, breaks down the ultimate hacks for making your homeownership journey smoother, smarter, and significantly less stressful.

Discover why starting with your mortgage—not the house—is the game-changer you didn’t know you needed. Learn how to avoid costly missteps, build a dream team of trusted advisors, and turn the dream of homeownership into a winning strategy.

BONUS: These hacks could save you not just thousands, but tens of thousands of dollars.

Your path to homeownership begins with clarity and confidence. Don’t miss this episode—it could be the most important 10 minutes you spend on your future.

🔊 Listen now, share with a friend, and let’s make your dream home a reality.

Meet Kevin Martini, a Certified Mortgage Advisor and the founder of the Martini Mortgage Group. With a proven track record of helping families across North Carolina and beyond, Kevin has dedicated his career to simplifying the mortgage process and empowering his clients to make informed financial decisions. Whether it’s purchasing a first home, refinancing, or creating generational wealth through real estate, Kevin’s personalized approach ensures every client feels confident and prepared. Discover how Kevin Martini can help you achieve your homeownership goals at: https://www.martinimortgagegroup.com/

Can student loans stop you from owning your dream home? Think again.

This episode is for anyone who feels like their student debt is an immovable mountain standing between them and the keys to their first home. Spoiler alert: It’s not about the debt itself—it’s about how you manage it.

Join Certified Mortgage Advisor Kevin Martini as he busts the myth that student loans disqualify you from a mortgage and explains:

Why your Debt-to-Income Ratio (DTI) matters more than the total debt you owe.
Loan options tailored for homebuyers with student debt, including FHA and conventional loans.
Why getting pre-approved is the game-changer that sets you apart as a serious buyer.

Student loans aren’t the barrier you think they are—they’re just another part of your financial picture, and the Martini Mortgage Group knows how to make it all work.

Listen now and discover how close you are to the home you’ve been dreaming of. → Don’t forget to share this episode with someone who needs it!

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 | Kevin@MartiniMortgageGroup.com | Equal Housing Lender

Have you ever wondered if renting is truly the smarter financial move?

Spoiler alert: It’s not.

In episode 201 of the Martini Mortgage Podcast, host and Certified Mortgage Advisor Kevin Martini with the Martini Mortgage Group tackles one of the biggest myths in personal finance - that renting makes more financial sense than owning. You’ll discover the game-changing truth about equity, the surprising stats that will leave you rethinking your lease, and why paying rent is a commitment to building someone else’s wealth.

If financial growth and freedom are on your vision board, you need to hear this. Tune in to explore the long-term benefits of homeownership, even if buying feels like a leap right now.

Ready to stop building your landlord’s wealth and start building your own? Hit play and find out how!

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 | Kevin@MartiniMortgageGroup.com | Equal Housing Lender

Does an FHA loan mean higher interest rates? Only for first-time buyers? Not a chance. In this myth-busting episode, Kevin Martini dismantles five common misconceptions about FHA loans that could be keeping you from saying yes to homeownership.

FHA loans are more flexible, accessible, and strategic than you’ve been led to believe. Want to know why? Hit play to find out.

This 200th episode of the Martini Mortgage Group is a must-listen if you want to:

Understand the real benefits of FHA loans.
Stop letting outdated myths dictate your homebuying decisions.
Feel confident about taking the next step toward owning your own home.

Click play, then call the Martini Mortgage Group for your personalized, no-pressure consultation. The dream of owning a home is closer than you think—let’s make it happen.

Don’t forget to subscribe and share! Your friends will thank 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 | Kevin@MartiniMortgageGroup.com | Equal Housing Lender

Think you need 20% down to buy your dream home? Think again. In episode 199 of the Martini Mortgage Podcast, Certified Mortgage Advisor and Raleigh Mortgage Broker 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 be the game-changer you need.

Key Martini Mortgage Podcast Takeaways:

The surprising truth about average down payments.
Loan options that work for first-time buyers (and beyond).
Why PMI isn’t the villain you think it is.
How waiting can hurt your homeownership goals.

Listen now and share this episode of the Martini Mortgage Podcast with someone who needs to hear it. A little myth-busting could change their life.

Owning or renting—what’s the smarter move right now?

This special micro episode of the Martini Mortgage Podcast is your wake-up call: the housing market is shifting, and with it comes an incredible opportunity to build wealth instead of paying off your landlord's mortgage. Certified Mortgage Advisor and Raleigh Mortgage Broker Kevin Martini dives into the real numbers, busts the myths that hold most renters back and lays out why waiting might cost you more than you think.

Spoiler: a homeowner’s net worth today is 42 TIMES that of a renter.

If you’ve been debating whether now is the right time to buy, you can’t afford to miss this episode. Listen, share, and take that first step toward securing your financial future.

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 | Kevin@MartiniMortgageGroup.com | Equal Housing Lender

Transcript:

2024 has been challenging for home buyers. It's been a time of uncertainty. But let me tell you something very exciting. The real estate market is transitioning, and right now offers a very unique opportunity that could make a real difference in your life. Still, I know some people are stuck wondering, "Should I keep renting?" Or take that leap into home ownership. Let me start with this. We all need a roof over our heads, right? Renting is fine for a season. But let me be direct. This is not that season. This is a moment when owning your roof could completely transform your financial future. Here's the hard truth. A homeowner's net worth today is 42 times that of a renter. Not 42 percent, 42 times greater than a renter. That's $415,000 compared to $10,000. And this gap between homeowners and renters net worth is only going to continue to grow. If you ever thought about buying a home, this could know this is your moment to get ahead. But before I dig in, let me cover my legal basis. I am Kevin Martini, a certified mortgage advisor in producing branch manager, NMLS143962 with the Martini Mortini Group at Gold Star Mortgage Financial Group Corporation, NLS3446, Eagle House in London. This podcast is here to inform, educate, and entertain not to provide legal or professional advice. Now with that out of the way, let's get into it. Why homeownership matters right now? Here's the reality. Homeownership isn't for everyone and that's okay. If it's not right for you, what's not okay is deciding against homeownership because of mis or misinformation you have. I've been in the financial services since the late 80s and in the mortgage industry exclusively since 2006. And I'm still amazed at how many people think they need perfect credit or a massive down payment to buy a home. Spoiler alert, do, do, do, do, do, do, you don't. In fact, most people overestimate what it takes to buy a home, basing decisions on what they heard at a barbecue instead of seeking real facts. Let's stop that cycle right now. Only your home isn't just about having a place to call yours. It is a financial strategy. Home values almost always go up over time. Over the past five years, home values have risen by over 57%. Stretch it out over 30 years and they have more than tripled. The equity bill becomes your future wealth. And here's the other side of the coin. Renseurizing, if you are renting, every lease renewal brings the risk of higher cost. But when you own your home and locking up fixed rate mortgage you stabilize your housing expenses and protect yourself from the cycle of rising rents. Now let me uncover why waiting could cost you more. And listen, I get it. You're thinking why not wait until mortgage rates go down, Kevin Martini? And that's a very fair question. But here's the thing, when rates drop, demand surges, a 1% decrease in mortgage rates brings five million new buyers into the market. That's five million people competing for the same limited inventory of homes. The result, home prices surge. Waiting could cost you far more than you will say. Right now you can lock in the cost and even refinance when rates improve. This is how you play the long game to build wealth. Folks, let's create your strategy. This is a moment in real estate that could be a one-cental lifetime opportunity. But not every opportunity is right for you. That's why it's crucial making informed decision based on facts, not fear. Let's connect for a complimentary no judgment consultation together. We'll craft a plan and timeline that fits your goals in situation. Here's the best case scenario. You'll take the first step towards creating generational wealth. And though worst, you'll walk away with a clear strategy for the future. Thank you for tuning in to episode 198 of the Martini Workers' podcast. Owning your roof versus renting it. If today's episodes sparked any questions, don't hesitate to reach out. You can call me directly at 919-238-4934. And here's a small ask. If you would share this episode with someone who needs to hear it, a little nudge from you could change their life. Until next time, I'm Certified Mortgage Advisor Kevin Martini with the Martini Mortgage Group, wishing you peace and blessings. Let's make your home ownership dreams a reality.

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.

Redy to Take the First Step, Let's talk.

Have questions about navigating the 2025 housing market or securing the best mortgage strategy? As a Certified Mortgage Advisor and a trusted Raleigh mortgage broker, Kevin Martini is here to help.

Making an informed decision about your next move is crucial, whether you're a first-time or repeat homebuyer. When it comes to homeownership, having certainty about your financing options is the proper first step, regardless of your level of experience. This way, you can confidently search for your dream home armed with price and cost clarity.

Let's connect and discuss the proper mortgage strategy for you and your family. Whether you're ready to take the leap into homeownership or want to explore your options.

————

🌐 Martini Mortgage Group 🌐

➡️ https://www.martinimortgagegroup.com/

————

📸 Instagram 📸

https://www.instagram.com/kevinmartinilive/

————

👤 Facebook 👤

https://www.facebook.com/KevinMartiniGroup/

————

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 | Kevin@MartiniMortgageGroup.com | Equal Housing Lender

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 | 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 | Kevin@MartiniMortgageGroup.com | Equal Housing Lender

In this episode of the Martini Mortgage Podcast, 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.

Key Predictions:

Home Appreciation: Predicted at 4% for 2024.
Home Sales: Forecasting 5 million homes to be sold in 2024.
Mortgage Rates: Anticipating rates to stabilize around 6%.

In-Depth Analysis:

Mortgage Rates: Reflection on the unexpected spike in mortgage rates in 2023 and the current trend towards mid 6% rates. Discussion includes factors influencing these changes, like inflation and Federal Reserve policies.

Market Predictions: Martini addresses the potential conservative nature of his 6% rate prediction, the challenges in timing the market, and the future refinancing opportunities. Home Sales: Insight into the predicted increase in home sales in 2024, driven by life events, lower mortgage rates, and increased affordability. Martini also touches on the impact of existing homeowners feeling more comfortable moving up.

Home Price Appreciation: A deep dive into the 4% home price appreciation prediction for 2024, referencing various sources like the CoreLogic S&P Case-Shiller Index and the Home Price Expectation Survey.

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 | Kevin@MartiniMortgageGroup.com | Equal Housing Lender

Certified Mortgage Advisor and Raleigh Mortgage Broker Kevin Martini, hosts a special episode of the Martini Mortgage Podcast titled "Marry the House, Date the Rate: Navigating the Real Estate High Tide.” Kevin explores the popular real estate advice of committing to a home while being flexible with mortgage rates, especially in today's unpredictable market.

Key Topics Discussed:

Current Housing Crisis and Demand: An examination of the U.S. housing shortage, with insights from the National Association of Realtors. Understanding the gap between demand and supply and its impact on home prices.

Mortgage Rate Trends: Analysis of historical and current mortgage rates, emphasizing the potential benefits of refinancing in a fluctuating rate environment.

Strategy for Today’s Homebuyers: Discussing the wisdom behind "marry the house, date the rate," and how this approach can benefit homebuyers in the current market. The emphasis on securing a home at today's prices and refinancing when rates are more favorable.

Buydown Strategy Explained: Introducing the 'buy down' strategy as a way to secure lower rates in the initial phase of a mortgage, effectively getting 'tomorrow’s rate today.'

Personalized Mortgage Guidance: Emphasizing the importance of understanding individual options in home buying and mortgage strategies. Offering personal advice and assistance to listeners.

Takeaways:

Market Predictions: Insights from market experts on the future of home values and mortgage rates.

Customized Homeownership Strategies: Encouraging listeners to explore their options, with a reminder of the significance of homeownership and the importance of being informed.

This episode of the Martini Mortgage Podcast offers a blend of expert advice, market analysis, and practical strategies for navigating the real estate market's current challenges and opportunities.

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 | Kevin@MartiniMortgageGroup.com | Equal Housing Lender

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.

Kevin introduces strategies like temporary interest rate buydowns and the option to pay points, emphasizing the cyclical nature of mortgage rates. Kevin also highlights the Martini Mortgage Group's unique no-down payment FHA home loan and other affordable lending programs. With a potential rise in home values and the risk of being priced out, he encourages listeners to consider buying now.

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 | Kevin@MartiniMortgageGroup.com | Equal Housing Lender

In episode 192 of the Martini Mortgage Podcast, Certified Mortgage Advisor and Raleigh Mortgage Broker Kevin Martini dives deep into the major hurdles faced by homebuyers today: Affordability, Inventory, and Student Loan Debt.

The current housing landscape presents skyrocketing home prices and limited listings, compounded by the weight of student loans for many. Kevin breaks down the myth of affordability, highlighting that home prices, mortgage rates, and income all play interconnected roles.

Despite these daunting obstacles, Kevin emphasizes that the American Dream of homeownership remains attainable. He champions an informed approach, advising potential buyers to secure their home loan first, ensuring clarity on price and costs.

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 | Kevin@MartiniMortgageGroup.com | Equal Housing Lender

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. Epsidoe 191 of the Martini Mortgage Podcast is structured to first dice into understanding the value and equity of your marital home, followed by exploring the three core options available for couples amidst divorce proceedings.

Initially, this micro podcast episode of the Martini Mortgage Podcast emphasizes the initial 3 steps to determine your equity position three steps:

-) Determining the home's worth: Utilizing an algorithm provided by Martini Mortgage Group, listeners are directed to accurately estimate their home’s value.

-) Calculating outstanding mortgage: The necessity of summing up the remaining mortgage balance, along with any additional loans, to understand the full financial picture.

-) Evaluating Home's Equity: A simple subtraction of what’s owed from the home's value gives the gross equity, though selling costs should be factored in for a net value.

With the equity understood, three primary options for dealing with the marital home are discussed:

Selling the Home: A straightforward yet emotionally tough choice that may necessitate a real estate professional’s assistance to ensure a smooth process and fair market value.

One Spouse Retaining the Home: If financially viable, one spouse may buy out the other's share, often requiring refinancing to adjust the mortgage to the retaining spouse’s financial situation. Martini Mortgage Group is highlighted for its expertise in facilitating such transitions swiftly.

Joint Ownership: An uncommon but possible route, either by continuing to reside together or renting out the home. This option demands a high level of cooperation and clarity in financial responsibilities.

Furthermore, five additional Kevin Martini tips are shared:

Maintain Mortgage Payments

Open Communication

Preparation for All Scenarios

Document Availability

Impeccable Record Keeping

The episode closes by offering a complimentary Financial Transition Plan through Martini Mortgage Group, aiming to assist listeners in making well-informed decisions during such trying times. It emphasizes the profound financial impact of divorce beyond emotional distress and encourages listeners to share the episode with those facing similar challenges.

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 | Kevin@MartiniMortgageGroup.com | Equal Housing Lender

Welcome to episode 190 of the Martini Mortgage Podcast, titled MMP, where our host Kevin Martini, a Raleigh Mortgage Broker and Certified Mortgage Advisor, explores the topsy-turvy journey of home buying in the current real estate scenario.

In this episode, Kevin dives into the emotional roller-coaster that accompanies the homebuying process, especially amid soaring home prices and fluctuating mortgage rates. He emphasizes on the importance of focusing on one’s aspirations, financial blueprint, and the groundwork needed before diving into the real estate market.

Highlights:

Understanding the Real Estate Landscape:

A discussion on the unpredictability of home prices and mortgage rates.
Expert predictions from Pulsenomics on the gradual rise in home prices in the upcoming years.
A highlight on how a $400,000 house bought in January 2023 could appreciate to $471,363 by 2027.

The Mortgage Rate Tango:

A dive into the dynamics between mortgage rates, the bond market, and inflation.
Predictions from the Mortgage Bankers Association on a potential rise in 30-year fixed mortgages by 2024.

Strategizing Your Home Buying:

An exploration of scenarios and benefits of buying a house now amid the current market trends.

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 | Kevin@MartiniMortgageGroup.com | Equal Housing Lender

Making an informed decision about your next move is crucial, whether you're a first-time or repeat homebuyer. When it comes to homeownership, having certainty about your financing options is the proper first step, regardless of your level of experience. This way, you can confidently search for your dream home armed with price and cost clarity.

Let's connect and discuss the proper mortgage strategy for you and your family. Whether you're ready to take the leap into homeownership or simply want to explore your options,

————

🌐 Martini Mortgage Group 🌐

➡️ https://www.martinimortgagegroup.com/

————

📸 Instagram 📸

https://www.instagram.com/kevinmartinilive/

————

👤 Facebook 👤

https://www.facebook.com/KevinMartiniGroup/

————

In this episode, as the fall season sets in, Kevin Martini dives deep into the current state of the real estate market, emphasizing that while the weather cools, the property market remains sizzling hot.

Kevin, a Certified Mortgage Advisor with the Martini Mortgage Group, introduces listeners to the recently released Fall 2023 edition of the Martini Mortgage Guide. This free resource, available at MartiniBuyerGuide.com, offers a comprehensive look into the intricacies of home buying and mortgages in the current market.

Key highlights from the guide include the challenges posed by the low housing inventory, the new normal of mortgage rates hovering between 6% to 7%, and the continued appreciation of home prices on a national scale. Kevin stresses the importance of being not just ready and willing but also able to buy in this competitive market. He also touches upon the historical context of mortgage rates and their potential trajectory. Wrapping up, Kevin encourages listeners to challenge their perceptions, explore their options, and reach out to the Martini Mortgage Group for personalized advice. The episode concludes with a heartfelt thank you to the listeners and an invitation to access the invaluable Martini Mortgage Guide.

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 | Kevin@MartiniMortgageGroup.com | Equal Housing Lender

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.

Main Topics:

Resumption of federal student loan payments on October 1, 2023.
How this might impact your mortgage approval.

Key Points:

Federal student loan payments and interest were suspended in March 2020 due to the COVID-19 pandemic.
As of June 2023, the pause is set to end, with payments resuming on October 1, 2023.
For homebuyers:
- The resumption may affect chances of mortgage approval due to increased monthly payments and interest accumulation.
- Three things borrowers should know:
- Payments resume on October 1, 2023.
- Interest accrual starts on September 1, 2023.
- There’s a 12-month “on-ramp” period without penalties for late payments.
- During the payment hiatus, credit reports showed $0 obligation for federal student loans. However:
- FHA and Freddie Mac estimated payments using 0.5% of the total loan balance.
- Fannie Mae used 1% for their estimations.
- Estimated payment amounts might differ from the actual payments, which could affect the Debt-To-Income (DTI) ratio, a key metric for mortgage approvals.
- Income-driven repayment plans for federal student loans:
- PAYE: 10% of discretionary income.
- REPAYE: 10% of discretionary income, possibly less with dependents/spouse with loans.
- IBR: 15% of discretionary income.
- ICR: 20% of discretionary income.
- Under Fannie Mae, if the approved payment is zero, it's used for DTI calculations.

Closing Thoughts:

Be proactive and prepare for student loan repayments.
Still, maintain homeownership aspirations.
Understand your financial position as knowledge provides clarity, confidence, and direction.
For insights on mortgage strategies amidst student loan resumption, contact Kevin Martini at 919.238.4934.

About Kevin Martini: Kevin focuses on empowering families to create generational wealth via real estate and the right mortgage strategy. He's originated over a billion dollars in home loans since 2006. Recognized as one of the top 50 Mortgage Originators in the U.S., Kevin has been featured in Forbes and CNET. He frequently shares insights at conferences and hosts the Martini Mortgage Podcast. He's dedicated to helping clients make smart financial decisions for wealth growth and future planning. Connect with him on Instagram and YouTube for real estate and mortgage insights.

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 | Kevin@MartiniMortgageGroup.com | Equal Housing Lender

In episode 187 of the Martini Mortgage Podcast, host Kevin Martini, a Certified Mortgage Advisor and Producing Branch Manager with the Martini Mortgage Group at Gold Star Mortgage Financial Group, delves into the significant connection between personal habits and credit scores.

Utilizing the analogy of a car's maintenance, Martini emphasizes that 35% of a person's credit score performance is dependent on their timeliness in paying debts. Likening various financial mishaps to flat tires and rusty engines, he underscores the serious consequences of late payments, charge-offs, bankruptcies, and judgments on one's credit health.

Martini goes on to detail the importance of mortgage payments, comparing them to the transmission of a car, and explaining how even a single late payment can have drastic effects on interest rates and loan terms. Other debts, like car payments and credit cards, are also vital, but less critical.

He stresses that the key to a healthy credit score is similar to maintaining a vehicle: paying attention to the details and being consistent in taking care of the financial responsibilities. With timely payment history impacting 35% of one's credit score, Martini encourages listeners to be proactive in managing their credit to enjoy the financial freedom that can fuel their dreams.

In addition to his insights on credit management, Martini expresses his passion for helping individuals and families build generational wealth through proper mortgage strategies. He invites listeners to reach out to him personally for guidance tailored to their specific circumstances and market conditions.

The episode serves as a comprehensive and relatable guide to understanding the role of habits in determining credit scores, promoting the idea that attentive and responsible financial behavior can lead to a prosperous future.

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 | Kevin@MartiniMortgageGroup.com | Equal Housing Lender

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.

The discussion reveals how inflation, being the increase in general price levels, directly influences mortgage rates, affecting everyone's purchasing power.

Martini explores the counterintuitive nature of bonds and mortgage rates and emphasizes the lag between inflation dropping and mortgage rates falling.

This episode dives into current market trends, including higher mortgage rates providing a unique competitive edge to homebuyers, and concludes with Martini's strategy of "committing to the house and flirting with the rate," encouraging listeners to explore their options in the current environment.

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 | Kevin@MartiniMortgageGroup.com | Equal Housing Lender

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.

He begins the episode by emphasizing the power of home equity - the portion of a home that's owned outright. As a homeowner pays off their mortgage, their equity (a.k.a. wealth) increases. Martini refers to this as a form of forced savings, which can result in substantial wealth accumulation over time.

Then, he introduces the concept of the 'silent wealth multiplier', appreciation. Despite the economy's fluctuations, home values historically rise over time. He explains how this 'quiet wealth builder' inflates a homeowner's wealth.

Next, Martini discusses tax benefits, the 'stealthy protector' of wealth, shielding a significant part of it from taxation. These benefits extend to mortgage payments, property taxes, and even some closing costs.

He elaborates on the endgame of homeownership - financial stability and generational wealth. The former is achieved by securing a fixed-rate mortgage that allows for predictable housing costs. The latter is the ability to pass on this wealth to future generations.

In conclusion, Martini emphasizes that homeownership is more than owning property; it's about owning a potent wealth-generating machine, working tirelessly to build one's financial future.

For renters, he urges not to despair but to view the current time as an opportunity to explore homeownership. He reassures that he's ready to help them transition from renters to homeowners and encourages them to reach out for a confidential, information-packed discussion about their options.

In essence, this episode underlines homeownership is not just a dream, but a strategy for financial stability and generational wealth.

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 | Kevin@MartiniMortgageGroup.com | Equal Housing Lender

🎧 Podcast Summary: "Behind the Curtain" - Martini Mortgage Podcast (Episode 184)

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.

As a seasoned industry expert, Kevin shares his breakdown of what renowned professionals are saying, offering a unique perspective through the lens of a Certified Mortgage Advisor. He dives deep into the intriguing world of economic policies and predictions as Kevin deciphers the words of Jerome Powell and analyzes their implications on inflation and the housing market.

Discover the truth about the Fed's influence on mortgage rates and understand how market dynamics impact affordability. While higher mortgage rates may raise concerns, Kevin emphasizes that home affordability depends on a combination of factors, including home prices and wages. With job stability and rising incomes, the dream of homeownership remains attainable for many.

SPOILER ALERT: contrary to popular belief, a recession does not mean a housing crisis. Learn from historical patterns as Kevin shares insights on the performance of home prices and mortgage rates during past recessions. Gain valuable knowledge on how the market has evolved since the 2008 housing crisis, highlighting the current strength and resilience of the real estate industry.

As Kevin navigates through the complexities of the 2023 market, he reminds listeners that opportunities abound amidst challenges. Whether you're considering upgrading to a larger home, downsizing, or entering the world of homeownership, start your journey with clarity and certainty by understanding the intricacies of the home loan process.

For an eye-opening view "Behind the Curtain," tune in to the Martini Mortgage Podcast, Episode 184. Gain expert guidance, valuable insights, and a fresh perspective on the ever-evolving world of real estate. Don't miss out on this captivating episode - hit play and embark on an enlightening journey today!

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 | Kevin@MartiniMortgageGroup.com | Equal Housing Lender

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.

Martini asserts that the Buydown approach can offer surprising benefits and greater financial stability, unlike ARMs. He emphasizes that with a Buydown, homeowners can refinance when the time is right, potentially leading to significant savings. Martini also demystifies the "2-1 Buydown" where a seller pays a fee at closing that reduces the mortgage interest rate, thus lowering monthly payments and enhancing home affordability. He concludes by mentioning the potential tax benefits for buyers and sellers involved in Buydown transactions.

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 | Kevin@MartiniMortgageGroup.com | Equal Housing Lender

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.

Key Topics Discussed:

Current state of home prices and mortgage rates: Amidst fluctuating home prices and mortgage rates, Kevin provides an in-depth analysis of where they might be heading, and what it means for potential homebuyers.

The Home Price Expectation Survey by Pulsenomics: Kevin highlights this survey as a reliable resource for future home value predictions. Despite a forecasted slight depreciation in 2023, the survey indicates an upward trend in home price appreciation, especially from 2024 onwards.

Future implications of buying a home now: Buying a home in the present market could mean setting oneself up for future value growth and increased home equity. Waiting could lead to higher costs down the line.

Mortgage Rates: Recent economic uncertainties and inflation have caused mortgage rates to rise. However, as inflation begins to cool off, experts predict a slight pullback in mortgage rates over the next few quarters.

Scenarios for current mortgage rate environment: Kevin discusses three potential scenarios - stable rates, decreased rates, and increased rates - and their implications for homebuyers.

Expert advice for potential homebuyers: The right time to buy a home is when you're ready. It's important to explore your options and stay informed about market trends.

The "home loan first" strategy: The first step to homeownership isn't the home itself, but securing the home loan. This strategy provides clarity about price and cost before falling in love with a perfect home.

Whether you're a first-time or repeat homebuyer, making an informed decision about your next move is crucial. Regarding homeownership, having certainty about your financing options is the proper first step, regardless of your level of experience. This way, you can confidently search for your dream home armed with price and cost clarity.

Whether you're ready to take the leap into homeownership or simply want to explore your options and secure more insights, you can reach Kevin Martini with the Martini Mortgage Group by calling (919) 238-4934.

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 | Kevin@MartiniMortgageGroup.com | Equal Housing Lender

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.

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 | Kevin@MartiniMortgageGroup.com | Equal Housing Lender

A special edition of the Martini Mortgage Podcast (episode 180), where we dive deep into the pressing issue of home dissatisfaction and the locked-in effect in real estate. In this episode, titled "Unleash Your Potential and Shrink Your Payments Even with Higher Rates," Certified Mortgage Advisor and Raleigh mortgage broker, Kevin Martini, uncovers the challenges faced by homeowners who find themselves trapped due to historic low-interest mortgage rates.

The locked-in effect refers to a phenomenon where homeowners are hesitant to sell their homes, even in a favorable market, because they currently enjoy historically low mortgage rates. Kevin Martini sheds light on this crucial topic and provides valuable insights and strategies for homeowners looking to break free from the constraints of their mortgage and unleash their true potential.

Join us as we explore the complexities of the real estate market and mortgage industry. Discover how you can navigate higher interest rates while still reducing your payments and achieving financial freedom. Kevin Martini's expertise and experience in the mortgage field make this episode a must-watch for anyone seeking to make informed decisions about their home and mortgage.

If you found this real estate and mortgage podcast informative and thought-provoking, don't forget to hit the like button and subscribe to our channel for more valuable content like this. Share this video with friends and family who might benefit from the insights shared by Kevin Martini. Help us grow our community of informed homeowners and mortgage enthusiasts.

Follow us on other platforms for more valuable insights:

Facebook: https://www.facebook.com/KevinMartiniGroup/

Instagram: https://www.instagram.com/kevinmartinilive/

LinkedIn: https://www.linkedin.com/in/kevinmartini

Remember to visit our website for additional resources and to connect with Kevin Martini with the Martini Mortgage Group: https://www.martinimortgagegroup.com/

Thank you for watching and being a part of the Martini Mortgage Podcast community!

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 | Kevin@MartiniMortgageGroup.com | Equal Housing Lender

Episode 179 of the Martini Mortgage Podcast, titled "The Resilience of Home Prices," takes listeners on a comprehensive analysis of home prices and market trends. Host Kevin Martini, a Certified Mortgage Advisor, dives into the past, present, and future of home prices, dispelling misconceptions and shedding light on the actual state of the market.

The episode begins by reflecting on the great recession, which caused significant declines in property values and widespread concerns about the stability of the real estate industry. However, Kevin emphasizes that the market has shown remarkable resilience since then, with stronger regulations, improved risk management, and increased market transparency.

Listeners will learn how the real estate market has experienced unprecedented recovery in recent years, surpassing pre-recession levels in many regions. Factors contributing to this positive trend include economic growth, low mortgage rates, favorable government policies, and the interplay between supply and demand.

Contrary to popular belief, Kevin reveals that the worst home price declines are behind us, and the current real estate landscape is characterized by stability and consistent growth. He explains the role of supply and demand, demographic shifts, and economic factors in shaping the market.

Looking ahead, the episode explores the future growth potential in real estate, considering evolving lifestyle preferences, demographic shifts, and government policies and regulations. By understanding these dynamics, listeners will gain insights into potential growth opportunities and be equipped to make strategic decisions aligned with homebuyers' evolving needs.

Throughout the episode, Kevin emphasizes the importance of staying informed, adapting to the ever-evolving landscape, and taking action in real estate endeavors. He highlights the significance of securing the right home loan as the first step toward homeownership and encourages listeners to explore their financing options and consult mortgage strategists from the Martini Mortgage Group for price and cost clarity.

The episode concludes by empowering listeners to make informed decisions and achieve success in their real estate ventures. Kevin and his team offer their expertise and support, emphasizing their fiduciary approach and commitment to providing a pleasant and fulfilling homeownership experience.

Listeners are thanked for their time and encouraged to share the episode with others. Contact information is provided for further inquiries or assistance with real estate and mortgage-related questions.

Tune in to episode 179 of the Martini Mortgage Podcast to gain a comprehensive understanding of home prices and market trends and discover the opportunities that await in the ever-resilient real estate market.

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 | Kevin@MartiniMortgageGroup.com | Equal Housing Lender

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.

The S.T.A.N.D. system provides a memorable acronym to help homebuyers remember the key steps and strategies for making an offer stand out.

S is for - Secure Mortgage Approval:

T - Team Up with a Real Estate Professional:

A - Analyze and Strategize:

N - Nurture Personal Connections:

D - Demonstrate Flexibility and Determination:

By following the S.T.A.N.D. system created by the Martini Mortgage Group, homebuyers can increase their chances of success in any housing market, especially in a competitive housing market. From securing mortgage approval and teaming up with a real estate professional to analyzing market conditions, nurturing personal connections, and demonstrating flexibility and determination, a well-rounded approach will help your offer stand out and secure your dream home.

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 | Kevin@MartiniMortgageGroup.com | Equal Housing Lender

Welcome to a special video, episode 177 of the Martini Mortgage Podcast! 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. Kevin covers everything 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.

With the H.O.M.E.S. framework, you'll be well-equipped to make informed decisions and enjoy a successful homebuying experience. So, buckle up and get ready to uncover the secrets to a seamless, stress-free homebuying experience with the H.O.M.E.S. framework. Let the journey begin!

Key takeaways from this episode:

-) The H.O.M.E.S. framework simplifies the homebuying process for first-time and repeat buyers

-) House Hunting: Researching neighborhoods, creating a wish list, and actively searching for potential homes

-)Offer and Negotiation: Submitting a competitive offer, negotiating terms, and navigating contingencies

-) Mortgage and Financing: Obtaining pre-approval, selecting the right loan program, and completing the mortgage application process

-) Evaluation and Inspection: Conducting a professional home inspection, identifying potential issues, and renegotiating if necessary

-) Settlement and Closing: Finalizing paperwork, reviewing closing documents, and ultimately receiving the keys to your new home

Don't forget to like, subscribe, and share this episode with anyone who may find it helpful!

🌐 Martini Mortgage Group 🌐 ➜ https://www.martinimortgagegroup.com/

📷 Instagram 📷 ➜https://www.instagram.com/kevinmartin...

👤 Facebook 👤 ➜https://www.facebook.com/KevinMartini...

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 | Kevin@MartiniMortgageGroup.com | Equal Housing Lender

n 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.

He emphasizes that lowering home prices is not the only solution for making homes more affordable, and that higher mortgage rates do not necessarily mean homes are unaffordable. An increase in wages can positively impact home affordability.

Kevin also cautions against the false narratives that are often presented in headlines and media coverage, citing a 2022 prediction that home prices would drop 20%, which did not come to pass. He notes that renting is essentially paying a landlord's mortgage and that an increase in wages can positively impact home affordability.

The National Association of Realtors' Housing Affordability Index indicates that more families can qualify for a mortgage loan on a median-priced home, and Kevin predicts a real estate boom due to pent-up demand for homeownership.

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 | Kevin@MartiniMortgageGroup.com | Equal Housing Lender

In special episode 175 of the Martini Mortgage Podcast, Kevin Martini, a Certified Mortgage Advisor and Producing Branch Manager, discusses the recent bank failures and the causes behind them. Kevin explains the basics of how the banking system works, using the example of how banks use customers' deposits to make loans and investments to earn a profit. He also gives a high-level overview of how bonds work, including their face value, coupon rate, and how they are traded in the market.

Kevin then delves into the recent bank failures, explaining how banks invested a significant portion of their customers' deposits in fixed assets, specifically bonds, which are considered safe investments. However, when interest rates increased, the value of these bonds decreased, resulting in significant losses for the banks when they had to sell the bonds to return customers' deposits. This led to a run on the banks and caused a wave of failures. Kevin argues that this was due to the banks' incompetence in not keeping up with the pace of interest rate hikes.

To protect your deposits, Kevin recommends ensuring that your bank is FDIC insured or NCUA insured for credit unions. If your assets in the bank are greater than $250,000, he advises being proactive and reclassifying your deposit accounts or dividing your assets into multiple institutions with balances under $250,000.

Kevin also discusses the potential impact of these bank failures on the economy, explaining how they may lead to a deflationary event where the cost of goods and services decreases, resulting in lower mortgage rates. He notes that lower mortgage rates make homes more affordable and attractive to homebuyers, making it an excellent time to buy if homeownership is right for you.

Overall, Kevin provides a detailed explanation of the recent bank failures, their causes, and their potential impact on the economy and homeownership. If you want to learn more about this topic or explore if homeownership is right for you, Kevin invites you to connect with him at the Martini Mortgage Group.

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 | Kevin@MartiniMortgageGroup.com | Equal Housing Lender

Certified Mortgage Advisor and Raleigh mortgage broker Kevin Martini hosts episode 174 of the Martini Mortgage Podcast called: Reality

Here are some main points discussed in this informative episode 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 | Kevin@MartiniMortgageGroup.com | Equal Housing Lender

In this special episode of the Martini Mortgage Podcast, Certified Mortgage Advisor and Raleigh mortgage broker Kevin Martini discusses the 4 Stages of Buyer Demand and how homebuyers can use them to maximize their advantage in the current real estate market.

Kevin starts by acknowledging the shift in sentiment among homebuyers and homeowners in the current market, caused by an information crisis about housing rather than a housing crisis itself. He stresses that demand for housing currently outstrips supply across the US, creating upward pressure on pricing.

Kevin reminds listeners that although the current shortage of homes is a challenge, it is not a new phenomenon and has been a long-term issue that will take years, if not decades, to resolve. According to research from Fannie Mae, there is a 3.8 to 5 million home shortage in the US.

He cautions that predicting a rinse and repeat of the housing crisis of 2008 is unfounded, as that crisis was caused by housing and not a recession. Real estate is a long-term investment and goes up and makes higher highs over time, despite the occasional retracement.

Kevin explains that mortgage rates live in the bond market, and the nemesis to a bond is inflation. When inflation is tamed, mortgage rates will drift lower. Currently, mortgage rates are in the high tides, but they are not predicted to reach double digits. According to experts and pundits, mortgage rates may start with a 4 by 2024-2025.

To help homebuyers navigate the current market, Kevin shares the 4 stages of buyer demand, which are represented by a four-light stoplight. The red light represents weak buyer demand, orange represents limited buyer demand, light green represents good buyer demand, and the bright green light represents strong buyer demand.

He advises homebuyers to take advantage of the red and orange stages to reduce their competition and take advantage of a seller's willingness to participate, which could make the deal more attractive. This also protects the homebuyer from paying a higher premium for the same home later. Kevin suggests taking advantage of temporary seller-funded buydowns, which can provide an interim low rate today.

In conclusion, Kevin reminds listeners that although the shortage of homes creates challenges, it also presents opportunities for homebuyers. He emphasizes that the best time to secure an epic mortgage rate was during the pandemic, but the next best time is right now.

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.

Listeners are encouraged to contact Kevin personally with any questions or for trusted advice. Overall, this episode provides valuable insights into the current real estate market and offers a positive and optimistic outlook for homebuyers.

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 | Kevin@MartiniMortgageGroup.com | Equal Housing Lender

🌐 Martini Mortgage Group 🌐

➜ https://www.martinimortgagegroup.com/

📷 Instagram 📷

➜https://www.instagram.com/kevinmartin...

👤 Facebook 👤

➜https://www.facebook.com/KevinMartini...

One of the best kept secrets that first-time homebuyers do not know is that they may be eligible for an annual tax credit of up to $2,000 a year…you heard me properly, I said, tax credit and I also said up to $2,000 a year not just for the first year but for every year they own the home as their primary residence.

Certified Mortgage Advisor and Raleigh Mortgage Broker Kevin Martini with the Martini Mortgage Group hosts this special episode of the Martini Mortgage Podcast is about the tax credit for first-time homebuyers buying in North Carolina.

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 | Kevin@MartiniMortgageGroup.com | Equal Housing Lender

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 dice into home affordability.

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 | Kevin@MartiniMortgageGroup.com | Equal Housing Lender

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 epsiode, cjheck out the following artile published by the Martini Mortgae 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/

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 | Kevin@MartiniMortgageGroup.com | Equal Housing Lender

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 :)

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 | Kevin@MartiniMortgageGroup.com | Equal Housing Lender

In real estate, the 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.

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 | Kevin@MartiniMortgageGroup.com | Equal Housing Lender

One of the most important assets often overlook 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.

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 | Kevin@MartiniMortgageGroup.com | Equal Housing Lender

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’

Kevin Martini is not just the host of the Martini Mortgage Podcast…he is the founder of the Martini Mortgage Group; Producing Branch Manager, a Raleigh mortgage broker and a Certified Mortgage Advisor (NMLS 143962) with Gold Stat Mortgage (NMLS 3446); and a husband to a magnificent lady who was his high school sweetheart; a father of 2 amazing men; a son to tremendous parents; a grandfather to a beautiful grandchild; a loyal friend; a trusted and experienced mortgage advisor to the families he serves.

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 | Kevin@MartiniMortgageGroup.com | Equal Housing Lender

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

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 | Kevin@MartiniMortgageGroup.com | Equal Housing Lender

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

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 | Kevin@MartiniMortgageGroup.com | Equal Housing Lender

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.

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 | Kevin@MartiniMortgageGroup.com | Equal Housing Lender

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.

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 | Kevin@MartiniMortgageGroup.com | Equal Housing Lender

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?

In this special episode of the Martini Mortgage Podcast, Raleigh mortgage broker Kevin Martini shares the 6 reasons why now is and in the future real estate is an epic long-term investment.

BONUS CONTENT: a conversation on high mortgage rates and the future of home values!

SPOILER ALERT: the 6 reasons why now is and in the future real estate is an epic long-term investment are: Leverage, Appreciation, Hedge, Less Risky, Potential Tax Benefits and Retirement

Enjoy :)

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 | Kevin@MartiniMortgageGroup.com | Equal Housing Lender

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?

In this special episode of the Martini Mortgage Podcast, Raleigh mortgage broker Kevin Martini shares the 6 reasons why now is and in the future real estate is an epic long-term investment.

BONUS CONTENT: a conversation on high mortgage rates and the future of home values!

SPOILER ALERT: the 6 reasons why now is and in the future real estate is an epic long-term investment are: Leverage, Appreciation, Hedge, Less Risky, Potential Tax Benefits and Retirement

Enjoy :)

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 | Kevin@MartiniMortgageGroup.com | Equal Housing Lender

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.

Enjoy :)

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.

Enjoy :)

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).

Raleigh mortgage broker and Certified Mortgage Advisor Kevin Martini hosts this inaugural episode of a new monthly series called: What is going on (October 2022 Edition)

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 | Kevin@MartiniMortgageGroup.com | Equal Housing Lender

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).

Raleigh mortgage broker and Certified Mortgage Advisor Kevin Martini hosts this inaugural episode of a new monthly series called: What is going on (October 2022 Edition)

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 | Kevin@MartiniMortgageGroup.com | Equal Housing Lender

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 clients 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.

To contact Realtor Bailey Weaver Packard:

 **Website**- https://baileyweaver.exprealty.com **Number**- (919) 455-3811 **Facebook**- https://www.facebook.com/BaileyWeaverPackardRealtor  **Instagram**- https://www.instagram.com/baileyweaverpackardrealtor/ (@baileyweaverpackardrealtor) **TikTok**- https://www.tiktok.com/@baileyraleighrealtor (@baileyraleighrealtor)

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 | Kevin@MartiniMortgageGroup.com | Equal Housing Lender

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 clients 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.

To contact Realtor Bailey Weaver Packard:

 **Website**- https://baileyweaver.exprealty.com **Number**- (919) 455-3811 **Facebook**- https://www.facebook.com/BaileyWeaverPackardRealtor  **Instagram**- https://www.instagram.com/baileyweaverpackardrealtor/ (@baileyweaverpackardrealtor) **TikTok**- https://www.tiktok.com/@baileyraleighrealtor (@baileyraleighrealtor)

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 | Kevin@MartiniMortgageGroup.com | Equal Housing Lender

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 :)

If you have question about the the 1-1 Buydown, the 2-1 Buydown, the 3-2-1 Buydown or anything real estate or mortgage related, contact Kevin Martini by dialing (919) 238-4934.

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 | Kevin@MartiniMortgageGroup.com | Equal Housing Lender

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.

To access instantly and for free the Fall 2022 Editon of the Martini Buyer Guide (a.k.a. 'Things to Consider when Buying a Home') go to: MartiniBuyerGuide.com

The Martini Mortgage Podcast is curated and produced by Certified Mortgage Advisor Kevin Martini (NMLS 143962) with the Martini Mortgage Group atGold Star Mortgage Financial Group, Corporation (NMLS 3446).

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.

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.

Kevin Martini | NMLS 143962 | Certified Mortgage Advisor | Martini | NMLS # 3446 | 507 N Blount St, Raleigh, NC 27604 | (919) 238-4934 | www.MartiniMortgageGroup.com | Kevin@MartiniMortgageGroup.com | Equal Housing Lender

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.

Kevin Martini | NMLS 143962 | Certified Mortgage Advisor | Martini | NMLS # 3446 | 507 N Blount St, Raleigh, NC 27604 | (919) 238-4934 | www.MartiniMortgageGroup.com | Kevin@MartiniMortgageGroup.com | Equal Housing Lender

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.

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 | Kevin@MartiniMortgageGroup.com | nmlsconsumeraccess.org | Equal Housing Lender

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

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 | Kevin@MartiniMortgageGroup.com | nmlsconsumeraccess.org |Equal Housing Lender

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

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 | Kevin@MartiniMortgageGroup.com | nmlsconsumeraccess.org |Equal Housing Lender

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

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 |Kevin@MartiniMortgageGroup.com | nmlsconsumeraccess.org |Equal Housing Lender

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.

SPOILER ALERT:

“During the second half of the 2022 we are turning to a more normalized real estate and mortgage market”. 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 |Kevin@MartiniMortgageGroup.com | nmlsconsumeraccess.org | Equal Housing Lender

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.

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 | Kevin@MartiniMortgageGroup.com | nmlsconsumeraccess.org | Equal Housing Lender

What is the point of points?

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.

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 |Kevin@MartiniMortgageGroup.com | nmlsconsumeraccess.org |Equal Housing Lender

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 |Kevin@MartiniMortgageGroup.com | nmlsconsumeraccess.org |Equal Housing Lender

Higher home values, higher inflation, higher home loan rates — WHAT THE HECK IS GOING ON?

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 |Kevin@MartiniMortgageGroup.com | nmlsconsumeraccess.org | Equal Housing Lender

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 |Kevin@MartiniMortgageGroup.com | nmlsconsumeraccess.org |Equal Housing Lender

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 |Kevin@MartiniMortgageGroup.com | nmlsconsumeraccess.org |Equal Housing Lender

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:

https://www.martinimortgagegroup.com/a-raleigh-real-estate-crash-coming-soon-not/

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 |Kevin@MartiniMortgageGroup.com | nmlsconsumeraccess.org |Equal Housing Lender

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 |Kevin@MartiniMortgageGroup.com | nmlsconsumeraccess.org |Equal Housing Lender

The big opportunity today to create generational wealth is in real estate; not just as a homeowner but also as a real estate investor.

In this special episode of the Martini Mortgage Podcast, Certified Mortgage Advisor Kevin Martini, unpacks just 3 important benefits of securing a rental property or for creating an investment property portfolio. They are passive income, tax benefits and appreciation.

“…investors are behind 33% of the purchases of single family homes today in the U.S. so, this means 1 out of 3 single family homes are purchased by investors.”

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 | Kevin@MartiniMortgageGroup.com | nmlsconsumeraccess.org |Equal Housing Lender

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 | Kevin@MartiniMortgageGroup.com | nmlsconsumeraccess.org |Equal Housing Lender

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 | Kevin@MartiniMortgageGroup.com | nmlsconsumeraccess.org | Equal Housing Lender

Will rising mortgage interest rates impact housing, specifically home appreciation? 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 | Logan@MartiniMortgageGroup.com | nmlsconsumeraccess.org |Equal Housing Lender

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,PMI 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 |Kevin@MartiniMortgageGroup.com | nmlsconsumeraccess.org |Equal Housing Lender

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 Martini discusses your home search, things to consider in episode 135 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 |Kevin@MartiniMortgageGroup.com | nmlsconsumeraccess.org |Equal Housing Lender

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.

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 | Kevin@MartiniMortgageGroup.com | nmlsconsumeraccess.org | Equal Housing Lender

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 | Kevin@MartiniMortgageGroup.com | nmlsconsumeraccess.org |Equal Housing Lender

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. 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 | Kevin@MartiniMortgageGroup.com | nmlsconsumeraccess.org |Equal Housing Lender

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.

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 | Kevin@MartiniMortgageGroup.com | nmlsconsumeraccess.org |Equal Housing Lender

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 game changer to get your offer accepted.

Tune into this special episode of the Martini Mortgage Podcast with Certified Mortgage Advisor Kevin Martini.

Kevin Martini | NMLS 143962 | Certified Mortgage Advisor and Branch Manager | Martini Group at Cardinal Financial Company, Limited Partnership, NMLS 66247 | 507 N Blount St Raleigh, NC 27604 | (919) 238-4934 | www.MartiniMortgage.com | Kevin@KevinMartini.com | Equal Housing Opportunity

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 detail the MartiniMortgage.com 2022 Housing Forecast.

The MartiniMortgage.com 2022 Housing Forecast is based on data from Fannie Mae, Freddie Mac, National Association of Realtors, Zelman, Pulsenomics and the Mortgage Banker Association. It provides a very accurate glimpse of what the industry experts are predicting for home loan rates and home values in 2022.

To access the full report:

https://www.martinimortgage.com/martinimortgage-com-2022-housing-forecast/

Kevin Martini | NMLS 143962 | Certified Mortgage Advisor and Branch Manager | Martini Group at Cardinal Financial Company, Limited Partnership, NMLS 66247 | 507 N Blount St Raleigh, NC 27604 | (919) 238-4934 | www.MartiniMortgage.com | Kevin@KevinMartini.com | Equal Housing Opportunity

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 score hacks will improve your turbo fast. If your credit score is already health, these proven strategies will be like giving your credit score steroids.

ENJOY :)

Kevin Martini | NMLS 143962 | Certified Mortgage Advisor and Branch Manager | Martini Group at Cardinal Financial Company, Limited Partnership, NMLS 66247 | 507 N Blount St Raleigh, NC 27604 | (919) 238-4934 | www.MartiniMortgage.com | Kevin@KevinMartini.com | Equal Housing Opportunity

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 wish to be a repeat homeowners and fro people that work in the real estate arena. There are many things to consider when buying a home regardless of your experience and that is why Certified Mortgage Advisor Kevin Martini and Senior Mortgage Strategist Logan Martini publish every season the Martini Buyer Guide. The Fall 2021 Edition of the Martini Buyer Guide goes beyond today’s headlines to provide accurate housing market analysis and home loan information to help one that is thinking of buying real estate and getting a mortgage with facts based on pure data.

Kevin Martini | NMLS 143962 | Certified Mortgage Advisor and Branch Manager | Martini Group at Cardinal Financial Company, Limited Partnership, NMLS 66247 | 507 N Blount St Raleigh, NC 27604 | (919) 238-4934 | www.MartiniMortgage.com | Kevin@KevinMartini.com | Equal Housing Opportunity

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. In addition, there are intangible benefits to owning a home too.

Certified Mortgage Advisor, Kevin Martini, shares the 7 Financial Freedom Reason to Own a Home in this Special Edition of the Martini Mortgage Podcast (episode 127). SPOILER ALERT: homeownership plays an active role in creating financial freedom. Some of the many topics discussed in this life changing episode are: net worth, leverage, forced savings and tax benefits to name a few.

Enjoy :)

Kevin Martini | NMLS 143962 | Certified Mortgage Advisor and Branch Manager | Martini Group at Cardinal Financial Company, Limited Partnership, NMLS 66247 | 507 N Blount St Raleigh, NC 27604 | (919) 238-4934 | www.MartiniMortgage.com | Kevin@KevinMartini.com | Equal Housing Opportunity

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 this special episode of the Martini Mortgage Podcast.

BONUS Kevin Martini Talking Points:

#1: ‘it isn’t a challenge, it is an opportunity’

#2: ‘a better long-term decision’

#3: ‘who’s wealth do you want to build’

Kevin Martini | NMLS 143962 | Certified Mortgage Advisor and Branch Manager | Martini Group at Cardinal Financial Company, Limited Partnership, NMLS 66247 | 507 N Blount St Raleigh, NC 27604 | (919) 238-4934 | www.MartiniMortgage.com | Kevin@KevinMartini.com | Equal Housing Opportunity

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.

Kevin Martini | NMLS 143962 | Certified Mortgage Advisor and Branch Manager | Martini Group at Cardinal Financial Company, Limited Partnership, NMLS 66247 | 507 N Blount St Raleigh, NC 27604 | (919) 238-4934 | www.MartiniMortgage.com | Kevin@KevinMartini.com | Equal Housing Opportunity

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 Martini shares the 3 talking points in the hosting market right now.

Kevin Martini | NMLS 143962 | Certified Mortgage Advisor and Branch Manager | Martini Group at Cardinal Financial Company, Limited Partnership, NMLS 66247 | 507 N Blount St Raleigh, NC 27604 | (919) 238-4934 | www.MartiniMortgage.com | Kevin@KevinMartini.com | Equal Housing Opportunity

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 Price Expectation Survey in Episode 123 of the Martini Mortgage Podcast. To include, the year-by year predications and what these predication mean for future homebuyers and current homeowners.

Kevin Martini is not just the host of the Martini Mortgage Podcast, he is a Certified Mortgage Advisor and producing Manager of the Martini Group at Cardinal Financial Company which is locates in Raleigh, North Carolina but helping families all over the U.S.

Kevin Martini | NMLS 143962 | Certified Mortgage Advisor and Branch Manager | Martini Group at Cardinal Financial Company, Limited Partnership, NMLS 66247 | 507 N Blount St Raleigh, NC 27604 | (919) 238-4934 | www.KevinMartini.com | Kevin@KevinMartini.com | Equal Housing Opportunity

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 is indisputable, 2021 is NOTHING like 2008 and Kevin Martini shares the 3 reason it is not a bubble, it is an opportunity in episode 122 of the Martini Mortgage Podcast.

Kevin Martini | NMLS 143962 | Certified Mortgage Advisor and Branch Manager | Martini Group at Cardinal Financial Company, Limited Partnership, NMLS 66247 | 507 N Blount St Raleigh, NC 27604 | (919) 238-4934 | www.KevinMartini.com | Kevin@KevinMartini.com | Equal Housing Opportunity

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 the real data about buying a home this summer.

Kevin Martini | NMLS 143962 | Certified Mortgage Advisor and Branch Manager | Martini Group at Cardinal Financial Company, Limited Partnership, NMLS 66247 | 507 N Blount St Raleigh, NC 27604 | (919) 238-4934 | www.KevinMartini.com | Kevin@KevinMartini.com | Equal Housing Opportunity

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, should they refinance to a lower rate or a lower term. If they stay, should they unleash some of the equity via a cash-out refinance to restructure their family debt and lower their monthly outflows. If they stay, are they in the right mortgage product? A lot of questions for a homeowner to consider today if they want to stay.

For those considering to go it may because they have realized that their current house will not meet the needs of their family in the future or worse, they have currently outgrown their current home.

Certified Mortgage Advisor, Kevin Martini with the Martini Group at Cardinal Financial Company provides priceless feedback for homeowners that are asking if they should stay or if they should go.

Kevin Martini | NMLS 143962 | Certified Mortgage Advisor and Branch Manager | Martini Group at Cardinal Financial Company, Limited Partnership, NMLS 66247 | 507 N Blount St Raleigh, NC 27604 | (919) 238-4934 | www.KevinMartini.com | Kevin@KevinMartini.com | Equal Housing Opportunity

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 shared in this episode. Perfect credit is needed and large down payment is required are just a couple of the fairy tales that are preventing people from getting involved in homeownership and experiencing the the powerful reason to own a home.

The 5 reason that will be discussed in detail with feature and benefit are:

1- You are paying for housing whether you rent or own.

2- Housing is one of the only leveraged investments available today.

3- Owning a home is usually a form of forced savings.

4- There may be substantial tax benefits to owning a home.

5- Owning a home is a hedge against inflation.

Is owning a home right for you and your family? I do not know but what I do know is one should make the decision based on facts if homeownership is right for them. The fact finding journey starts with a clear understanding of the 5 Powerful Reasons to Own a Home.

“In my professional opinion owning a home has been and will always be better from a financial standpoint than renting”. Kevin Martini

For more information about homeownership and about secure the right mortgage visit www.MartiniMortgage.com or call Kevin Martini who is a Certified Mortgage Advisor and Producing Branch Manager of the Martini Group at Cardinal Financial Company,

Kevin Martini | NMLS 143962 | Certified Mortgage Advisor and Branch Manager | Martini Group at Cardinal Financial Company, Limited Partnership, NMLS 66247 | 507 N Blount St Raleigh, NC 27604 | (919) 238-4934 | www.KevinMartini.com |

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?

Question #2: Do you think mortgage rates will be higher a year from now?

Episode 118 of the Martini Mortgage Podcast with Certified Mortgage Advisor Kevin Martini will share forecast data from industry experts the direction of home appreciation and mortgage rates.

Enjoy:)

Kevin Martini | NMLS 143962 | Certified Mortgage Advisor and Branch Manager | Martini Group at Cardinal Financial Company, Limited Partnership, NMLS 66247 | 507 N Blount St Raleigh, NC 27604 | (919) 238-4934 | www.KevinMartini.com | Kevin@KevinMartini.com | Equal Housing Opportunity

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 strong in 2021? So many questions & they all will be answered in this special episode of the Martini Mortgage Podcast.

Chief Mortgage Strategist Kevin Martini will be discussing his 2021 predications on where home loan rates will be in 2021 and he will be sharing thoughts on whether housing will continue to be green and growing in 2021.

Kevin Martini | NMLS ID 143962 | Chief Mortgage Strategist and Branch Manager | Martini Mortgage Group at Benchmark Mortgage | Ark-La-Tex Financial Services, LLC NMLS ID 2143 | 507 N Blount St Raleigh, NC 27604 | (919) 238-4934 | www.KevinMartini.com | Kevin@KevinMartini.com | Equal Housing Opportunity

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 Benchmark Mortgage which is based in Raleigh, North Carolina however serving all 100 counties in North Carolina.

This very unique program does NOT require a minimum investment from the homebuyer nor does this unique home loan offering put asset limitations on the homebuyer. For more information about the North Carolina First Home Advantage Downpayment Program listen to this special episode of the Martini Mortgage podcast which is hosted by Chief Mortgage Strategist, Kevin Martini.

Kevin Martini | NMLS ID 143962 | Chief Mortgage Strategist and Branch Manager | Martini Mortgage Group at Benchmark Mortgage | Ark-La-Tex Financial Services, LLC NMLS ID 2143 | 507 N Blount St Raleigh, NC 27604 | (919) 238-4934 | www.KevinMartini.com | Kevin@KevinMartini.com | Equal Housing Opportunity

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 Agency (FHFA) November 24, 2020 Press Release. The 2021 maximum conforming loan limits will increase $37,850 from the 2020 level. In 2020 the maximum conforming loan limit was $510,400 however in 2021 the new maximum conforming loan limit will be $584,250.

Kevin Martini | NMLS ID 143962 | Chief Mortgage Strategist and Branch Manager | Martini Mortgage Group at Benchmark Mortgage | Ark-La-Tex Financial Services, LLC NMLS ID 2143 | 507 N Blount St Raleigh, NC 27604 | (919) 238-4934 | www.KevinMartini.com | Kevin@KevinMartini.com | Equal Housing Opportunity

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 is referred to as The Winter 2021 edition of the Martini Buyer Guide (a.k.a. Things to Consider when Buying a Home).

The Martini Buyer Guide has 10 informative articles that discusses refinancing a home or buying a home and getting mortgage not just Raleigh, North Carolina market but in any market. In the pages of the Martini Buyer Guide there is national housing data from industry icons like; Fannie Mae, Freddie Mac, Zillow, CoreLogic, Mortgage Bankers Associations (MBA) and National Association of Realtors (NAR).

In episode 115 of the Martini Mortgage Podcast not everything that is discussed in that is shared in the Winter 2021 Martini Buyer Guide, just a glimpse of some key articles. The full homebuyer guide has 10 key topics and they are:

Why you should’t wait until Spring to Buy a Home
A New Meaning for Homeownership
The Expert Winter Housing Market Forecast
Home Price Appreciation is on the Rise
Knowing the Lingo
Steps to take if you Want to Buy a Home
You NEED an Expert Kind of Guide
How Downpayment Assistance opens the door to Homeownership
4 Tips for making a Successful Offer
Things to avoid after Applying for a Mortgage

There is no question that getting a home and buying a home in Raleigh, anywhere in North Carolina or in the U.S. for that matter, is a process…it is not an event. Since there is never a substitute for education, the home buying process needs to start with education regardless of the experience level of the homebuyer. This is especially true since COVID-19 has impacted mortgage guidelines and how real estate transactions are done. With the Martini Mortgage Podcast and the Martini Buyer Guide is curated to provided factual information based on reliable sources and provides relevant information that go beyond the headlines.

Of course, the Winter 2021 Edition of the Martini Buyer Guide will address many of your questions and concerns however it may prompt additional questions or you may need more clarity about what you read. Chief Mortgage Strategist Kevin Martini and Mortgage Strategist Logan Martini with the Martini Mortgage Group at Benchmark Mortgage are dedicated to make sure you have your questions answered and concerns addressed. Towards that end, if you have any questions about what you read, they are here to help, just call either Kevin Martini or Logan Martini by calling: (919) 238-4934.

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. Kevin Martini shares 3 strategies to be victorious in a bidding war in episode 113 of the Martini Mortgage Podcast.

Kevin Martini | NMLS ID 143962 | Chief Mortgage Strategist and Branch Manager | Martini Mortgage Group at Benchmark Mortgage | Ark-La-Tex Financial Services, LLC NMLS ID 2143 | 507 N Blount St Raleigh, NC 27604 | (919) 238-4934 | www.KevinMartini.com | Kevin@KevinMartini.com | Equal Housing Opportunity

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 touring your home for sale are serious ??? how do I know that the my house will sell for the price I want and on the timeline I want ??? will I get the price I want to sell my home ???

Episode 112 of the Martini Mortgage Podcast with Kevin Martini is called the Top Stressors Of Selling a Home. Kevin Martini has invited s special goes to help answer these questions in the video edition of the Martini Mortagage Podcast - Lisa Quin with the Quin Realty Group at EXP Realty.

Lisa Quin is a Realtor with over 20-year experience helping families buy and sell real estate in the Triangle of North Carolina. Lisa Quin has consistently achieved top homer in the industry. Not only a Relator, she is a homeowner and also a real estate investor. Quin Realty Group has a proprietary marketing strategy to identify the best way to showcase a home for sale and to market that home home for sale to get top dollar. When buying a home, Lisa Quin, helps clients make smart real estate decisions.

This the video edition of episode 112 of the Martini Mortgage Podcast available by going to: www.MartiniMortgagePodcast.com or www.MartiniTV.com

Kevin Martini | NMLS ID 143962 | Chief Mortgage Strategist and Branch Manager | Martini Mortgage Group at Benchmark Mortgage | Ark-La-Tex Financial Services, LLC NMLS ID 2143 | 507 N Blount St Raleigh, NC 27604 | (919) 238-4934 | www.KevinMartini.com | Kevin@KevinMartini.com | Equal Housing Opportunity

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 defense you have in your arsenal to prevent Identity Fraud.

One needs to be proactive to prevent Identity Theft, they should not be reactive. This special episode of the Martini Mortgage Podcast shares a way one can be proactive to protect their identity and prevent Identity Fraud by freezing their credit. Freezing your credit essential restricts access or locks others out from accessing your credit. It is my opinion that the credit freeze is the most powerful thing that one can do to protect themselves from the fraud of identity theft. Find out how you can do this for FREE.

FOR SHOW NOTES AND RESOURCES DISCUSSED GO TO:

https://www.martinimortgage.com/the-credit-freez…t-just-monitored/

Things to Consider When Buying a Home Fall 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 the future.

Episode 110 is an audio summary of the Fall 2020 Martini Buyer Guide called: Things to Consider when Buying a Home. The information in this 20-page homebuyer guide is helpful if one is buying or if one is selling real estate. It is event helpful for one that works in the real estate arena.

The Martini Buyer Guide is available for FREE by going to: www.MartiniBuyerGuide.com

Kevin Martini | NMLS ID 143962 | Chief Mortgage Strategist and Branch Manager | Martini Mortgage Group at Benchmark Mortgage | Ark-La-Tex Financial Services, LLC NMLS ID 2143 | 507 N Blount St Raleigh, NC 27604 | (919) 238-4934 | www.KevinMartini.com | Kevin@KevinMartini.com | Equal Housing Opportunity

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 ability to buy is via a Mortgage Pre-Approval Letter.

Mortgage Strategist Kevin Martini with the Martini Mortgage Group at Benchmark Mortgages discusses the material differences between a mortgage pre-qualification and mortgage pre-approval in episode 109 of the Martini Mortgage Podcast.

Kevin Martini | NMLS ID 143962 | Chief Mortgage Strategist and Branch Manager | Martini Mortgage Group at Benchmark Mortgage | Ark-La-Tex Financial Services, LLC NMLS ID 2143 | 507 N Blount St Raleigh, NC 27604 | (919) 238-4934 | www.KevinMartini.com | Kevin@KevinMartini.com | Equal Housing Opportunity

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 first-time homebuyer or as a repeat homebuyer is a process, not an event. Since there is never a substitute for education…the home buying process starts start with education regardless of you experience level with real estate. They're intangible benefits to owning a home but there are also financial benefits too.

The Martini Mortgage Podcast is curated and hosted by Raleigh Mortgage Strategist Kevin Martini with the Martini Mortgage Group at Benchmark Mortgage and this is episode 108 called: 5 financial Reasons of Homeownership in Raleigh or anywhere in North Carolina or any city and state in the U.S. for that matter.

Kevin Martini | NMLS ID 143962 | Chief Mortgage Strategist and Branch Manager | Martini Mortgage Group at Benchmark Mortgage | Ark-La-Tex Financial Services, LLC NMLS ID 2143 | 507 N Blount St Raleigh, NC 27604 | (919) 238-4934 | www.KevinMartini.com | Kevin@KevinMartini.com | Equal Housing Opportunity

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 potentially a once in a life-time opportunity.

Kevin Martini is the Branch Manager and Chief Mortgage Strategist with the Martini Mortgage Group at Benchmark Mortgage and in this special episode of the Martini Mortgage Podcast, Kevin Martini goes beyond the headlines to highlight the facts about buying home and getting a mortgage.

To highlight this sentiment, at the time of broadcast…mortgage rates fell below 3% for the first time in 50-years. Episode 107 of the Martini Mortgage Podcast is called: The Good Old Days are Right Now

KEVIN MARTINI | NMLS ID 143962 | CHIEF Mortgage Strategist AND BRANCH MANAGER | Martini Mortgage Group at Benchmark Mortgage | Ark-La-Tex Financial Services, LLC NMLS ID 2143 | 507 N BLOUNT ST RALEIGH, NC 27604 | (919) 238-4934 | www.KEVINMartini.com | KEVIN@KevinMartini.com |Equal Housing Opportunity

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 special episode of the Martini Mortgage Podcast is all about.

KEVIN MARTINI | NMLS ID 143962 | CHIEF Mortgage Strategist AND BRANCH MANAGER | Martini Mortgage Group at Benchmark Mortgage | Ark-La-Tex Financial Services, LLC NMLS ID 2143 | 507 N BLOUNT ST RALEIGH, NC 27604 | (919) 238-4934 | www.KEVINMartini.com | KEVIN@KevinMartini.com |Equal Housing Opportunity

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 things that you need to know about the VA Home Loan AND Kevin Martini shares the 9 benefits that an active Servicemember, Veteran or surviving spouse of a fallen hero need to know about a VA Home Loan.

Kevin Martini | NMLS ID 143962 | Senior Mortgage Strategist & Branch Manager | Martini Mortgage Group at Benchmark Mortgage | Ark-La-Tex Financial Services, LLC NMLS ID 2143 | 507 N Blount St Raleigh, NC 27604 | (919) 238-4934 | www.KevinMartini.com | Kevin@KevinMartini.com | Equal Housing Opportunity

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 a repeat homebuyer too. Plus a discussion about home prices...where are they head and how has COVID-19 impacted them.

Kevin Martini | NMLS ID 143962 | Senior Mortgage Strategist & Branch Manager | Martini Mortgage Group at Benchmark Mortgage | Ark-La-Tex Financial Services, LLC NMLS ID 2143 | 507 N Blount St Raleigh, NC 27604 | (919) 238-4934 | www.KevinMartini.com | Kevin@KevinMartini.com | Equal Housing Opportunity

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.

The 103rd episode of the Martini Mortgage Podcast with Mortgage Strategist Kevin Martini is called: If you are thinking this like 2008, STOP IT!

2020 is not a rinse and repeat of 2008 looking at the top 5 key metrics: Home Price Appreciation, Mortgage Credit Availability, Number of Homes For Sale, Use of Home Equity & Home Equity Earned.

After tuning into this episode check out the article called: STOP…This Housing Market Is Not Like 2008 which starts on page 3 of the Summer 2020 Martini Buyer Guide called: Things to Consider When Buying a Home. It is available for FREE but packed with information that you need to know about buying a home.

ENJOY and if you have questions about what you hear or read — just call Kevin Martini for trusted advice.

Kevin Martini | NMLS ID 143962 | Senior Mortgage Strategist & Branch Manager | Martini Mortgage Group at Benchmark Mortgage | Ark-La-Tex Financial Services, LLC NMLS ID 2143 | 507 N Blount St Raleigh, NC 27604 | (919) 238-4934 | www.KevinMartini.com | Kevin@KevinMartini.com | Equal Housing Opportunity

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 benefits to you and your family and host Kevin Martini will highlight them in this episode, episode 102 of the Martini Mortgage Podcast.

Raleigh Mortgage Strategists, Kevin Martini, with the Martini Mortgage Group at Benchmark Mortgage created his “Top 8 Reason to Own Your Home in Raleigh, North Carolina”. To be frank, these reasons are applicable for any city in the Triangle of NC or any city in North Carolina or and city in the U.S.A. too! On the Martini list, not in order or importance is: Privacy, Family, Comfort, Personal Expression, Accomplishment, Community, Stability, Financial Investment

Enjoy this episode and know that right now is a great time to explore your benefits and your options to own a home and secure a mortgage. I invite you to connect with either me, Kevin Martini to determine oof homeownership is the right next step for you and your family.

Kevin Martini | NMLS ID 143962 | Senior Mortgage Strategist & Branch Manager | Martini Mortgage Group at Benchmark Mortgage | Ark-La-Tex Financial Services, LLC NMLS ID 2143 | 507 N Blount St Raleigh, NC 27604 | (919) 238-4934 | www.KevinMartini.com | Kevin@KevinMartini.com | Equal Housing Opportunity

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 located in Raleigh, North Carolina and helps families in North Carolina, South Carolina and Virginia.

So many are out of work right now! At the end of February 2020, the jobless rate was 3.5% with 5.8 million people out-of-work.. At the end of April 2020, the jobless rate was 14.7% with 23.1 million people out-or work. What is the impact of this high unemployment on housing values and mortgage rates?

Is the unemployment picture getting better?

“Here is my take based on data and it is critical that I share the numbers are not pretty but they do show me that the worse may be in the rearview mirror.” Kevin Martini

According to data from the Bureau of Labor Statistic thing are getting better. Not minimizing the unprecedented level of people that are out-of-work but the number of new claims is down week-over week.

When will the economy recover?

“…4 major financial institutions are calling for a ‘V’ shaped recovery and I truly believe they are correct.” Kevin Martini

The major financial institutions (e.g. Goldman Sachs, JP Morgan, Morgan Stanley, Wells Fargo) are expecting a ‘V’ shaped 2nd half of 2020 recover.

Are people still looking at homes?

“Covid-19 is accelerating the future in real estate and also in the mortgage business too!” Kevin Martini

This is the video edition of the Martini Mortgage Podcast, episode 100. The audio only portion is available on all streaming services and fresh episodes are curated every Tuesday.

Kevin Martini | NMLS ID 143962 | Senior Mortgage Strategist & Branch Manager | Martini Mortgage Group at Benchmark Mortgage | Ark-La-Tex Financial Services, LLC NMLS ID 2143 | 507 N Blount St Raleigh, NC 27604 | (919) 238-4934 | www.KevinMartini.com | Kevin@KevinMartini.com | Equal Housing Opportunity

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 order to secure a mortgage. In addition, many people overestimate the amount of money that is needed for down payment to buy a home and secure a mortgage.

FACT: Your credit score does NOT define who you are.

FACT: Poor credit can become exceptional credit

Credit Score…what is considered poor, what is considered exceptional.

Credit score for the purpose of mortgage ranges from 300 to 850. The higher the score the better! There are several bracket of credit score: the highest bracket is ‘exceptional’ and the lowest bracket is ‘poor’. If your credit is at 800 or north of 800 it is considered to be exceptional. If your credit score is between 799 to 740 it is considered to be very good. If your credit score is between 739 to 670 it is considered good. If your credit score is between 669 to 580 it is considered fair and if it is at 570 or below, it is considered to be poor.

“Bad things happen to good people, your credit score does not define whop you are.” Kevin Martini

Where you get your credit score matter!

There are 3 credit repositories (a.k.a. credit bureaus or credit agencies) and they are: Equifax, Experian and TransUnion. They have literally thousands of models and every industry uses a different model so the score secured by a credit card company will be different than one by a car dealership…the score to get a mortgage will be materially different than a free consumer credit score site.

Free consumer credit reports.

Free consumer credit score site and services offered by credit card companies only offer generic score. The objective of this score is helpful to give you a feeling where your credit is on the aggregate.

“Let me use the weather as an analogy. The free consumer sites are going to tell you if it is hot outside or if it is cold outside, they might even tell you it is chilly or warm but they are not going to tell you the exact temperature nor will they be able to tell you if it going to rain.” Kevin Martini

Kevin Martini | NMLS ID 143962 | Senior Mortgage Strategist & Branch Manager | Martini Mortgage Group at Benchmark Mortgage | Ark-La-Tex Financial Services, LLC NMLS ID 2143 | 507 N Blount St Raleigh, NC 27604 | (919) 238-4934 | www.KevinMartini.com | Kevin@KevinMartini.com | Equal Housing Opportunity

5 questions a homebuyer, a homeowner or a Realtor need to know right now by Mortgage Strategist Kevin Martini with the Martini Mortgage Group at Benchmark Mortgage.

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 spring-time…should you buy a home now?
I love my home and it is going to be my home for a long time…should I refinance?

A video edition is available by going to: www.MartiniMortgagePodcast.com

If you have questions about what you hear, just give Kevin Martini a jingle at (919) 238-4934.

Kevin Martini | NMLS ID 143962 | Senior Mortgage Strategist & Branch Manager | Martini Mortgage Group at Benchmark Mortgage | Ark-La-Tex Financial Services, LLC NMLS ID 2143 | 507 N Blount St Raleigh, NC 27604 | (919) 238-4934 | www.KevinMartini.com | Kevin@KevinMartini.com | Equal Housing Opportunity

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 Manager | Martini Mortgage Group at Benchmark Mortgage | Ark-La-Tex Financial Services, LLC NMLS ID 2143 | 507 N Blount Street Raleigh, NC 27604 | (919) 238-4934 | www.KevinMartini.com | Kevin@KevinMartini.com | Equal Housing Opportunity

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 the real estate area as a Realtor.

No one I talking about the fact that the mortgage industry is anticipating a serving runoff and this could impact who qualifies and what rate they get.

This episode of the Martini Mortgage Podcast with Kevin Martini shares the story that no one is talking about.

Kevin Martini | NMLS ID 143962 | Senior Mortgage Strategist & Branch Manager | Martini Mortgage Group at Benchmark Mortgage | Ark-La-Tex Financial Services, LLC NMLS ID 2143 | 223 S West Street, Suite 900 Raleigh, NC 27603 | (919) 238-4934 | www.KevinMartini.com | Kevin@KevinMartini.com | Equal Housing Opportunity

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 for someone to stop renting and become a homeowner— enjoy this Special video edition of the Martini Mortgage Podcast — it is called:

Coronavirus, Real Estate and Mortgages

For the video edition of this special edition of the Martini Mortgage Podcast go to: https://youtu.be/q4h22o2NS6M

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 have built equity of 20% in your home, you can cancel your PMI and remove that expense from your mortgage payment. That is correct, one can purchase a home with less than 20% down and PMI in cancellable.

Kevin Martini | NMLS ID 143962 | Senior Mortgage Strategist & Branch Manager | Martini Mortgage Group at Benchmark Mortgage | Ark-La-Tex Financial Services, LLC NMLS ID 2143 | 223 S West Street, Suite 900 Raleigh, NC 27603 | (919) 238-4934 | www.KevinMartini.com | Kevin@KevinMartini.com | Equal Housing Opportunity

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 highlight why real estate is the bet investment one can make.

Kevin Martini | NMLS ID 143962 | Senior Mortgage Strategist & Branch Manager | Martini Mortgage Group at Benchmark Mortgage | Ark-La-Tex Financial Services, LLC NMLS ID 2143 | 223 S West Street, Suite 900 Raleigh, NC 27603 | (919) 238-4934 | www.KevinMartini.com | Kevin@KevinMartini.com | Equal Housing Opportunity

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 | Senior Mortgage Strategist & Branch Manager | Martini Mortgage Group at Benchmark Mortgage | Ark-La-Tex Financial Services, LLC NMLS ID 2143 | 223 S West Street, Suite 900 Raleigh, NC 27603 | (919) 238-4934 | www.KevinMartini.com | Kevin@KevinMartini.com | Equal Housing Opportunity

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 Mortgage Podcast with Kevin Martini is called: If you Rent and Want to Buy a Home

“I have found that many people overestimate the amount of downpayment that is needed to buy a home and secure a mortgage…I have also found that many people overestimate what their credit score needs to be.” Kevin Martini, Branch Manager and Senior Mortgage Strategist at the Martini Mortgage Group with Benchmark Mortgage

Kevin Martini | NMLS ID 143962 | Senior Mortgage Strategist & Branch Manager | Martini Mortgage Group at Benchmark Mortgage | Ark-La-Tex Financial Services, LLC NMLS ID 2143 | 223 S West Street, Suite 900 Raleigh, NC 27603 | (919) 238-4934 | www.KevinMartini.com | Kevin@KevinMartini.com | Equal Housing Opportunity

Payment history, the amount owed, length of credit, type of credit used and new credit is just some of the information on your credit report and this is also some of the items that determine your what your credit score is. Episode 091 is about credit reports and credit scores.

Kevin Martini | NMLS ID 143962 | Senior Mortgage Strategist & Branch Manager | Martini Mortgage Group at Benchmark Mortgage | Ark-La-Tex Financial Services, LLC NMLS ID 2143 | 223 S West Street, Suite 900 Raleigh, NC 27603 | (919) 238-4934 | www.KevinMartini.com | Kevin@KevinMartini.com | Equal Housing Opportunity

There are great advantages to owning a home, yet many people continue to rent. Now do not get me wrong…there is a time to rent HOWEVER in my opinion, that time is not now. Renting right now may be a very shortsighted option. In this episode of the Martini Mortgage Podcast, Kevin Martini with the Martini Mortgage Group shares the true cost of not buying a home.

Kevin Martini | NMLS ID 143962 | Senior Mortgage Strategist & Branch Manager | Martini Mortgage Group at Benchmark Mortgage | Ark-La-Tex Financial Services, LLC NMLS ID 2143 | 223 S West Street, Suite 900 Raleigh, NC 27603 | (919) 238-4934 | www.KevinMartini.com | Kevin@KevinMartini.com | Equal Housing Opportunity

Are home affordable today? Some folks have the perception homes are less affordable today than they have been in the past. It is easy to understand why one would have this sentiment since home values have been going up year, after year, after year however perception is not reality.

Episode 089 of the Martini Mortgage Podcast with Kevin Martini is about home affordability and during the episode the National Association of Realtors (NAR) Housing Affordability Index will be discussed…towards that end, below is the Housing Affordability Index from 1990 to today.

Kevin Martini | NMLS ID 143962 | Senior Mortgage Strategist & Branch Manager | Martini Mortgage Group at Benchmark Mortgage | Ark-La-Tex Financial Services, LLC NMLS ID 2143 | 223 S West Street, Suite 900 Raleigh, NC 27603 | (919) 238-4934 | www.KevinMartini.com | Kevin@KevinMartini.com | Equal Housing Opportunity

2020 is here and how will mortgage rates react in this new decade? Will home sales remain the same, slow down or accelerate in 2020? Will home values continue to rise or will they slide in 2020? It is not my narrative that one should consider but the narrative of the what the industries most trusted entities have to say (e.g. CoreLogic, Fannie Mae, Freddie Mac, National Association of Realtors {NAR}, Mortgage Bankers Association {MBA}).

This episode of the Martini Mortgage Podcast was curated to share what the experts think is going to happen in 2020 as it relates to mortgage rates, home sales and Home values.

Kevin Martini is not just the host of the Martini Mortgage Podcast…he is also the Branch Manager and Senior Mortgage Strategist of the Martini Mortgage Group at Benchmark Mortgage. Kevin Martini provides the families he works with trusted advice with a frictionless loan process — if you have questions about what you hear on the Martini Mortgage Podcast or questions about the current home loan rate environment or the unique home loan programs offered by Kevin Martini and Logan Martini with the Martini Mortgage Group at Benchmark Mortgage than simply call: (919) 238-4934.

For more information about buying a home check out the Winter 2020 Edition of: Things to Consider When Buying a Home by Kevin Martini and Logan Martini

Kevin Martini | NMLS ID 143962 | Senior Mortgage Strategist & Branch Manager | Martini Mortgage Group at Benchmark Mortgage | Ark-La-Tex Financial Services, LLC NMLS ID 2143 | 223 S West Street, Suite 900 Raleigh, NC 27603 | (919) 238-4934 | www.KevinMartini.com | Kevin@KevinMartini.com | Equal Housing Opportunity

A very special program offered to first-time home buyers or military veterans or one that is buying in a targets cents tract is a tax credit. A tax credit is materially different from a tax deduction…in short, the difference between a deduction and credit is a credit directly decreases the amount of tax you owe while a deduction lowers your overall amount of tax.

Raleigh mortgage lender Kevin Martini hosts the 87th episode of the Martini Mortgage Podcast and is is about the Mortgage Credit Certificate (MCC) (a.k.a. the Tax Credit for First-Time Home Buyers).

Oh by the way, every season Kevin Martini and Logan Martini co-author a homebuyer guide called: Things to Consider When Buying a Home. It simply and effectively communicates the current ground floor opportunity.

www.MartiniBuyerGuide.com

Kevin Martini | NMLS ID 143962 | Senior Mortgage Strategist & Branch Manager | Martini Mortgage Group at Benchmark Mortgage | Ark-La-Tex Financial Services, LLC NMLS ID 2143 | 223 S West Street, Suite 900 Raleigh, NC 27603 | (919) 238-4934 | www.KevinMartini.com | Kevin@KevinMartini.com | Equal Housing Opportunity

So you have been thinking of buying a home however it is now winter…let me share a Kevin Martini fact with you…buying a home for the first time or as a repeat homebuyer in the winter is smart. In fact there are several advantages to buying a home during the winter and in this episode of the Martini Mortgage Podcast, I am going to share the 4 reason to buy a home this winter.

SPOLIER ALERT:

Kevin Martini is not just the host of the Martini Mortgage Podcast...he is the Branch Manager and Senior Mortgage Strategist with the Martini Mortgage Group at Benchmark Mortgage which is located in Raleigh, North Carolina. In this episode, Kevin will go into detail on price, home loan rates and more.

4 Reasons to Buy a Home in Winter 2020 is based on an article in the Winter Edition of the Martini Buyer Guide called: Things to Consider when Buying a Home -- this is a free publication that simply explains what is going on in the market and what you need to know before you buy and what to expect when you buy a home.

Kevin Martini | NMLS ID 143962 | Senior Mortgage Strategist & Branch Manager | Martini Mortgage Group at Benchmark Mortgage | Ark-La-Tex Financial Services, LLC NMLS ID 2143 | 223 S West Street, Suite 900 Raleigh, NC 27603 | (919) 238-4934 | www.KevinMartini.com | Kevin@KevinMartini.com | Equal Housing Opportunity

Buying a home is a process not an event. Whenever you are buying a home, the home should always be second NOT first — the first step is always the loan and even before the loan is education. There is never a substitute for education especially when you are buying such a big asset and creating such a large debt.

This episode of the Martini Mortgage Podcast is called: Things to Consider when Buying a home - the Winter 2020 edition of the Martini Buyer Guide that is co-authored by Kevin Martini and Logan Martini.

The host of the Martini Mortgage Podcast is Kevin Martini and he is also a Mortgage Strategist and Branch Manager of the Martini Mortgage Group at Benchmark Mortgage which has its headquarters in Raleigh, North Carolina. The Winter 2020 Edition of the Martini Buyer Guide is curated to simply and effectively communicate the current ground floor opportunity for first-time and repeat homebuyers. This opportunity is not limited to Raleigh or the Triangle or North Carolina -- this is happening in every city in every state. This episode is an audio synopsis of things to consider when buying a home.

Once can get free access to this priceless homebuyer guide by going to www.MartiniBuyerGuide.com -- yes, it is free and no email is even required to download however the information is priceless.

OH BY THE WAY: the Martini Mortgage Podcast is available on all streaming services & fresh episodes every Tuesday that simply and effective communicate the current opportunity.

Kevin Martini | NMLS ID 143962 | Senior Mortgage Strategist & Branch Manager | Martini Mortgage Group at Benchmark Mortgage | Ark-La-Tex Financial Services, LLC NMLS ID 2143 | 223 S West Street, Suite 900 Raleigh, NC 27603 | (919) 238-4934 | www.KevinMartini.com | Kevin@KevinMartini.com | Equal Housing Opportunity

What is a Silver Tsunami? It is a metaphor used describe the aging population. This episode of the Martini Mortgage Podcast with Kevin Martini is about the Silver Tsunami which will impact every housing market in the U.S. As Baby Boomer's age they will be leaving their current owner occupied home and that home is likely to hit the market and cause a flood of inventory in certain markets.

What markets are likely to be impacted by the Silver Tsunami…will Raleigh, North Carolina be impacted by the Silver Tsunami?

Kevin Martini | NMLS ID 143962 | Senior Mortgage Strategist & Branch Manager | Martini Mortgage Group at Benchmark Mortgage | Ark-La-Tex Financial Services, LLC NMLS ID 2143 | 223 S West Street, Suite 900 Raleigh, NC 27603 | (919) 238-4934 | www.KevinMartini.com | Kevin@KevinMartini.com | Equal Housing Opportunity

Kevin Martini is the host of the Martini Mortgage Podcast and on Episode 083 shares the #KevinMartiniLive ‘Skip the Coffee’ concept. Skip the Coffee is a concept that Kevin Martini developed based on the premise that one should look at small purchases the same way they look at large purchases.

“If one took a serious look at the small things they spent money and said no to that latte and allocated those monies towards their home loan principal, they could make a huge difference in getting your mortgage paid off faster”. - Kevin Martini

Carving out of you daily budget just $5.00 a day (e.g. $150) a month could save years off your mortgage..

WHAT IF… you could just add $5.00 dollars a day to your principal. Would it matter? Listen and find out.

If you or someone you know has questions about the Kevin Martini Skip the Coffee concept or questions about the Raleigh mortgage rate environment or questions about the unique mortgage products the Martini Mortgage Group at Benchmark Mortgage offers, just reach out to us at (919) 238-4934.

Kevin Martini | NMLS ID 143962 | Senior Mortgage Strategist & Branch Manager | Martini Mortgage Group at Benchmark Mortgage | Ark-La-Tex Financial Services, LLC NMLS ID 2143 | 223 S West Street, Suite 900 Raleigh, NC 27603 | (919) 238-4934 | www.KevinMartini.com | Kevin@KevinMartini.com | Equal Housing Opportunity

Related: http://martinimortgagegroup.com/skip-the-coffee-by-kevin-martini/

The VA Home Loan helps Servicemembers, Veterans and eligible surviving spouses become homeowners. The VA Home Loan is not a ‘one-time’ benefit — this home loan solution can be used more than once and in certain circumstances one could have 2 VA Home Loans at the same time. This is the best home loan options available, as it should be…effective January 1, 2020 the VA Home Loan is even getting better via the Blue Water Navy Vietnam Veterans Act of 2019.

Raleigh Mortgage Lender, Kevin Martini hosts episode of 82 of the Martini Mortgage Podcast which is about the what you need to know about the Blue Water Navy Vietnam Veterans Act of 2019.

Kevin Martini | NMLS ID 143962 | Senior Mortgage Strategist & Branch Manager | Martini Mortgage Group at Benchmark Mortgage | Ark-La-Tex Financial Services, LLC NMLS ID 2143 | 223 S West Street, Suite 900 Raleigh, NC 27603 | (919) 238-4934 | www.KevinMartini.com | Kevin@KevinMartini.com | Equal Housing Opportunity

The FHA Home Loan is one of the most misunderstood mortgage program not just with home buyers but also by many real estate professionals so in turn, it become confusing to home sellers too. The host of the Martini Mortgage Podcast and the Senior Mortgage Strategist of the Martini Mortgage Group is Kevin Martini … this episode is about the FHA Home Loan solution…the credit score needed may surprise you but do not be tricked, the FHA Home Loan is not just for one that has a bump of bruise on their credit — many people with flawless credit select this solution too since there are many features of the FHA Home Loan that are not offered by other mortgage products.

Kevin Martini | NMLS ID 143962 | Senior Mortgage Strategist & Branch Manager | Martini Mortgage Group at Benchmark Mortgage | Ark-La-Tex Financial Services, LLC NMLS ID 2143 | 223 S West Street, Suite 900 Raleigh, NC 27603 | (919) 238-4934 | www.KevinMartini.com | Kevin@KevinMartini.com | Equal Housing Opportunity

The housing boom is just beginning in Raleigh, North Carolina and the housing boom is not exclusive to the Triangle of North Carolina, it is happening all over North Carolina and the U.S. too!

It is the opinion of many experts, the most important driver of home prices is supply and demand. Right now supply has some challenges and there is a ton of demand and that demand is not based on speculation…it is based on need because of the current age of the populations.

Trusted Raleigh mortgage lender Kevin Martini hosts episode 80 of the Martini Mortgage Podcast which is called: The Housing Boom is just Beginning right NOW!

If you are thinking of buying a home or selling a house there are many things to consider and to help with the discovery of those items to consider check out the Martini Buyer Guide called: Things to Consider when Buying a Home - it simply and effectively communicates what you need to know.

Kevin Martini | NMLS ID 143962 | Senior Mortgage Strategist & Branch Manager | Martini Mortgage Group at Benchmark Mortgage | Ark-La-Tex Financial Services, LLC NMLS ID 2143 | 223 S West Street, Suite 900 Raleigh, NC 27603 | (919) 238-4934 | www.KevinMartini.com | Kevin@KevinMartini.com | Equal Housing Opportunity

Congratulations! You have started the home buying process and have your mortgage approval or you’ve found a home to buy and have applied for a mortgage! It is exciting and undoubtedly your excited about the opportunity to decorate your new home, but before you make any large purchases, move your money around, or make any big-time life changes, consult with your mortgage strategist because there are things that you could do that WILL impact your approval.

Episode 79 of the Martini Mortgage Podcast with Raleigh mortgage lender Kevin Martini highlights the things to avoid after applying for a mortgage…it is called: 7 things to avoid after applying for a mortgage

Kevin Martini | NMLS ID 143962 | Senior Mortgage Strategist & Branch Manager | Martini Mortgage Group at Benchmark Mortgage | Ark-La-Tex Financial Services, LLC NMLS ID 2143 | 223 S West Street, Suite 900 Raleigh, NC 27603 | (919) 238-4934 | www.KevinMartini.com | Kevin@KevinMartini.com | Equal Housing Opportunity

We all know what a mortgage is however do you truly understand how the current rate environment can amplify your buying power? Amplified buying power for a home is the story that not many folks are not talking about and it should be top of mind if you are thinking of buying, selling or refinancing real estate.

This episode of the Martini Mortgage Podcast with Raleigh mortgage lender Kevin Martini is called: Mortgage and Home Loan Rates

It is not your credit score…it is about your credit scores because you have more than one and your credit scores are unique based on what type of industry is previewing your credit. Yes, your credit score depends on payment history, credit usage, credit age, credit mix and credit inquiries however it also depends who is pulling your credit and which repository they are pulling it from. This episode of the Martini Mortgage Podcast with Raleigh mortgage lender Kevin Martini is about credit & the thing you should know.

It really does not matter if you are buying a home for the very first time or you are purchasing a home for the fifth time, buying a home is a process, it is not an event. There are 4 very unnecessary first-time homebuyer mistakes that are are made and they are the subject of this episode of the Martini Mortgage Podcast. Oh by the way, these unnecessary mistakes are not just limited to first-time homebuyers.

As an added resource be sure to check the Martini Buyer Guide called: ‘Things to Consider when Buying a Home’ — this homebuyer guide is designed to simply and effectively share what is going on in the market and what you need to know about buying real estate. Yes, the Martini Buyer Guide is free however the information is priceless. To access go to: www.MartiniBuyerGuide.com

To stay up-to-date on what is going on in the markets & to see what tips Kevin Martini has to share in real time, follow Kevin Martini on Instagram ( @KevinMartiniLive ) or simply search #KevinMartiniLive

Kevin Martini | NMLS ID 143962 | Senior Mortgage Strategist & Branch Manager | Martini Mortgage Group at Benchmark Mortgage | Ark-La-Tex Financial Services, LLC NMLS ID 2143 | 223 S West Street, Suite 900 Raleigh, NC 27603 | (919) 238-4934 | www.KevinMartini.com | Kevin@KevinMartini.com | Equal Housing Opportunity

If you are a Servicemember or Veteran and you have a current VA Home Loan then the VA Streamline Refinance also known as the Interest Rate Reduction Refinance Loan (IRRRL) may not just be a great way to save but an express option for you to save. There are many ways one can refinance a VA Mortgage however in episode 75 of the Martini Mortgage Podcast with Raleigh mortgage lender Kevin Martini the no appraisal required with limited documentation & speedy VA Streamline Refinance is discussed in detail.

For additional resources on this common sense and express refinance option for Servicemembers and Veterans with a current VA Home Loan check out the article written by Raleigh mortgage lender Kevin Martini called: VA Streamline Refinance a.k.a. Interest Rate Reduction Refinance Loan (IRRRL)

For more information on securing a VA Home Loan for the purchase of a home, be sure to check out: VA Home Loans Made Simple which is episode 72 of the Martini Mortgage Podcast.

Kevin Martini | NMLS ID 143962 | Senior Mortgage Strategist & Branch Manager | Martini Mortgage Group at Benchmark Mortgage | Ark-La-Tex Financial Services, LLC NMLS ID 2143 | 223 S West Street, Suite 900 Raleigh, NC 27603 | (919) 238-4934 | www.KevinMartini.com | Kevin@KevinMartini.com | Equal Housing Opportunity

There are 4 reason that one should consider to buy a home in the fall of 2019 and Kevin Martini highlights these 4 important reason in the 74th episode of the Martini Mortgage Podcast.

Kevin Martini is not just the host of the Martini Mortgage Podcast…he is the Branch Manager and Senior Mortgage Strategist with the Martini Mortgage Group at Benchmark Mortgage which is located in Raleigh, North Carolina however serving families all over the great state of North Carolina.

Every Season Kevin Martini publishes a homebuyer guide that simply and effectively communicates the current housing opportunity…the Fall 2019 edition was recently released and was the subject of the 73rd episode of the Martini Mortgage Podcast. In this homebuyer guide that is called the Martini Buyer Guide & that is available for free by going to www.MartiniBuyerGuide.com the marque article is titled ‘4 Reasons to Buy a Home This Fall’ — this article and this episode shares the 4 reasons.

ENJOY :)

Kevin Martini | NMLS ID 143962 | Senior Mortgage Strategist & Branch Manager | Martini Mortgage Group at Benchmark Mortgage | Ark-La-Tex Financial Services, LLC NMLS ID 2143 | 223 S West Street, Suite 900 Raleigh, NC 27603 | (919) 238-4934 | www.KevinMartini.com | Kevin@KevinMartini.com | Equal Housing Opportunity

Raleigh Mortgage Lender Kevin Martini and Logan Martini release their Fall 2019 Homebuyer Guide called Martini Buyer Guide and episode 073 of the Martini Mortgage Podcast highlights some of the ket articles in this FREE 20+ page homebuyer guide called the Martini Buyer Guide ( www.MartiniBuyerGuide.com ).

Kevin Martini and Logan Martini every season publish a homebuyer guide that simply and effectively communicates the current market opportunity…the Fall 2019 edition is available right now but what is the Martini Buyer Guide?

Simple put, the Martini Buyer Guide is published 4 times a year and myself, Kevin Martini, and Logan Martini co-author it in order to simply and effectively communicate the current market opportunity. The Fall 2019 edition is over 20 pages and it is divided into 3 sections…

Section number one highlights what is happening in the housing market…section two goes over what you need to know before you buy a home and the third section covers what you can expect when buying a home.

The homebuyer guide is FREE however the information is priceless if you are thinking of buying a home for the first time or the fifth time.

Kevin Martini | NMLS ID 143962 | Senior Mortgage Strategist & Branch Manager | Martini Mortgage Group at Benchmark Mortgage | Ark-La-Tex Financial Services, LLC NMLS ID 2143 | 223 S West Street, Suite 900 Raleigh, NC 27603 | (919) 238-4934 | www.KevinMartini.com | Kevin@KevinMartini.com | Equal Housing Opportunity

Logan Martini | NMLS ID 1591485 | Mortgage Strategist | Martini Mortgage Group at Benchmark Mortgage | Ark-La-Tex Financial Services, LLC NMLS ID 2143 | 223 S West Street, Suite 900 Raleigh, NC 27603 | (919) 238-4934 | www.LoganMartini.com | Logan@KevinMartini.com |Equal Housing Opportunity

What is a VA Home loan? Who is eligible to secure a VA Home Loan for a purchase or refinance? What are the 4 Kevin Martini things you need to know about a VA Home Loans? What are the 9 benefits of a VA Home Loan?

Episode 72 of the Martini Mortgage Podcast with Raleigh mortgage lender & Mortgage Strategist Kevin Martini was curated to share everything you need to know about a VA home loan. It is called, VA Home Loans Made Simple.

Kevin Martini | NMLS ID 143962 | Senior Mortgage Strategist & Branch Manager | Martini Mortgage Group at Benchmark Mortgage | Ark-La-Tex Financial Services, LLC NMLS ID 2143 | 223 S West Street, Suite 900 Raleigh, NC 27603 | (919) 238-4934 | www.KevinMartini.com | Kevin@KevinMartini.com | Equal Housing Opportunity

Raleigh mortgage lender Kevin Martini talks about when buying a home a homebuyer should not be concerned about the price because it’s all about the cost of the home NOT the price.

What is important to a homebuyer is very different from what is important to one that is selling a house. When you are a seller of a house you need to most concerned with the price or the short term price pressures, in other words where are home values headed over the short-term HOWEVER if you are a homebuyer of a home, you should NOT be concerned about the price. Homebuyers MUST NOT BE concerned about the price but instead of the long-term cost of the home.

Episode 71 of the Martini Mortgage Podcast is called: ‘it’s about the cost…’ and is hosted by Raleigh mortgage lender Kevin Martini. Kevin Martini is the Branch Manager and Senior Mortgage Strategist with the Martini Mortgage Group at Benchmark Mortgage which is headquartered in Raleigh, NC however helps families all over the great state of North Carolina.

Kevin Martini | NMLS ID 143962 | Senior Mortgage Strategist & Branch Manager | Martini Mortgage Group at Benchmark Mortgage | Ark-La-Tex Financial Services, LLC NMLS ID 2143 | 223 S West Street, Suite 900 Raleigh, NC 27603 | (919) 238-4934 | www.KevinMartini.com | Kevin@KevinMartini.com | Equal Housing Opportunity

It is hard to believe that Fall is knocking on the door and Summer is almost done…this is a Mash-Up of the 3 most popular episodes of the Martini Mortgage Podcast in the Summer of 2019 based on downloads.

Episode 70 will contains a snippets from: Episode 24 | The Cost of NOT paying Private Mortgage Insurance (a.k.a. PMI) … Episode 36 | 7 Reasons that Owning is Financially BETTER than Renting … Episode 46 | Five Financial Reasons to Buy a Home

The Martini Mortgage Podcast is curated by Kevin Martini with the mission to simply and effectively communicate the current market opportunity for someone that is thinking of buying a home and getting a mortgage. Kevin Martini is the Branch Manager and Senior Mortgage Strategist of the Martini Mortgage Group at Benchmark Mortgage.

Fresh content is released every Tuesday and available on all streaming services or by the website: www.MartiniMortgagePodcast.com

Kevin Martini | NMLS ID 143962 | Senior Mortgage Strategist & Branch Manager | Martini Mortgage Group at Benchmark Mortgage | Ark-La-Tex Financial Services, LLC NMLS ID 2143 | 223 S West Street, Suite 900 Raleigh, NC 27603 | (919) 238-4934 | www.KevinMartini.com | Kevin@KevinMartini.com | Equal Housing Opportunity

Is real estate the best investment for today and in the future for you and your family? Raleigh mortgage lender Kevin Martini shares the data from leading sources to go beyond the headlines with facts to help. In addition, Episode 69 of the Martini Mortgage Podcast will provide data on consumer attitudes, intentions and perception of the housing market.

'I do not know owning real estate is right for every family but for my family it has been and continues to be the single best investment'. ~ Kevin Martini

Kevin Martini | NMLS ID 143962 | Senior Mortgage Strategist & Branch Manager | Martini Mortgage Group at Benchmark Mortgage | Ark-La-Tex Financial Services, LLC NMLS ID 2143 | 223 S West Street, Suite 900 Raleigh, NC 27603 | (919) 238-4934 | www.KevinMartini.com | Kevin@KevinMartini.com | Equal Housing Opportunity

In the simplest form, a refinance is a replacement of your current home loan with a new home loan or mortgage that offers better terms or maybe less risk. Because there has been a major move in mortgage rates in Raleigh and all over the U.S. at the time of this recording, there is a ton of noise about refinancing right now. Just because there is noise, it does not mean refinancing your current home loan makes sense — or does it?

A mortgage should be tailored to your short and long term needs and should be originated and managed by a mortgage strategist because there is not a one size fits all solution for a home loan. There are advantages and there are disadvantages to refinancing. Kevin Martini, a Raleigh mortgage lender, will share all you need to know about refinancing you home loan in episode 068 of the Martini Mortgage Podcast.

Kevin Martini | NMLS ID 143962 | Senior Mortgage Strategist & Branch Manager | Martini Mortgage Group at Benchmark Mortgage | Ark-La-Tex Financial Services, LLC NMLS ID 2143 | 223 S West Street, Suite 900 Raleigh, NC 27603 | (919) 238-4934 | www.KevinMartini.com | Kevin@KevinMartini.com | Equal Housing Opportunity

If you are thinking of buying (maybe for the first time or as a repeat buyer) or are thinking of selling then you need to know and have the top 4 Kevin Martini things you need to know about the housing market of today.

In this episode of the Martini Mortgage Podcast, Kevin Martini will share his top 4 list and they are: #1 home prices…#2 interest rate…#3 affordability plus availability & #4 recession.

Again if buying a home as a repeat buyer or as a first time homebuyer the steps are ALWAYS the same — step number one is to get approved first not just qualified. Regardless of the market, there is never a substitute for having clarity of your options and having the ability to make a ‘same-as-cash’ offer for your loan. Then, step number 2…go find your home.

If you want trusted advice and a custom home loan solution…if you want a great rate with an on-time real estate closing while having a world-class experience, you need to call Kevin Martini with the Martini Mortgage Group.

Kevin Martini | NMLS ID 143962 | Senior Mortgage Strategist & Branch Manager | Martini Mortgage Group at Benchmark Mortgage | Ark-La-Tex Financial Services, LLC NMLS ID 2143 | 223 S West Street, Suite 900 Raleigh, NC 27603 | (919) 238-4934 | www.KevinMartini.com | Kevin@KevinMartini.com | Equal Housing Opportunity

Just because something is right it does not mean that it is right for you! This episode of the Martini Mortgage Podcast was curated to help determine if renting is right for you…yes, there is a time to rent however that time is not now. Again, just because something is right it does not mean it is right for you.

BONUS CONTENT: There are 5 reasons why Kevin Martini does not like renting and they are shared these in episode 66 of this Mortgage Podcast.

Kevin Martini is not just the host of the Martini Mortgage Podcast he is the Branch Manger and Senior Mortgage Strategist with the Martini Mortgage Group at Benchmark Mortgage which is located in Raleigh, North Carolina and serves all families all over North Carolina.

Kevin Martini | NMLS ID 143962 | Senior Mortgage Strategist & Branch Manager | Martini Mortgage Group at Benchmark Mortgage | Ark-La-Tex Financial Services, LLC NMLS ID 2143 | 223 S West Street, Suite 900 Raleigh, NC 27603 | (919) 238-4934 | www.KevinMartini.com | Kevin@KevinMartini.com | Equal Housing Opportunity

Today we live in a digital world that we can get anything at anytime we want however that is not the case in a hot real estate market. In real estate the 3 most important words are location, location, location. When securing a mortgage the 3 most important words are local, local, local. Right now real estate is hot and there are no signs that it will be cooling anytime soon. This hot real estate market is very competitive and Kevin Martini with the Martini Mortgage Group shares his secret strategies on how to get your offer accepted in a host real estate market in episode 065 of the Martini Mortgage Podcast.

Kevin Martini is not just the host of the Martini Mortgage Podcast. Kevin Martini is the Senior Mortgage Strategist and Branch Manager of the Martini Mortgage Group at Benchmark Mortgage which has its headquarters in Raleigh, North Carolina and serves families all over the great state of North Carolina, Kentucky and Virginia.

Kevin Martini | NMLS ID 143962 | Senior Mortgage Strategist & Branch Manager | Martini Mortgage Group at Benchmark Mortgage | Ark-La-Tex Financial Services, LLC NMLS ID 2143 | 223 S West Street, Suite 900 Raleigh, NC 27603 | (919) 238-4934 | www.KevinMartini.com | Kevin@KevinMartini.com | Equal Housing Opportunity

A closed door meeting will start on July 30th and it will end on July 31st with a press conference led by the Fed Chairman, Jerome Powell. The implications to consumers on the aggregate may be monumental however the impact to mortgage rates may be insignificant. There is no question the Fed is going to make a move…the question is when. If they move, the cost to borrow money will be less, should you wait for the lower rates?

Kevin Martini is the Senior Mortgage Strategist and Branch Manager of the Martini Mortgage Group at Benchmark Mortgage. In addition, Kevin Martini is the host of the Martini Mortgage Podcast and episode 64 is called: “Waiting For The Lower Rates”

Kevin Martini | NMLS ID 143962 | Senior Mortgage Strategist & Branch Manager | Martini Mortgage Group at Benchmark Mortgage | Ark-La-Tex Financial Services, LLC NMLS ID 2143 | 223 S West Street, Suite 900 Raleigh, NC 27603 | (919) 238-4934 | www.KevinMartini.com | Kevin@KevinMartini.com | Equal Housing Opportunity

A myth is a widely held common thought but it is false. Today, there are several myths about refinancing your current mortgage out there today. One refinance myth is the Conventional Streamline Refinance…another one is that your rate has to be at least 1% better to make economic sense. Kevin Martini shared the facts in the sixty-third episode of the Martini Mortgage Podcast.

Kevin Martini | NMLS ID 143962 | Senior Mortgage Strategist & Branch Manager | Martini Mortgage Group at Benchmark Mortgage | Ark-La-Tex Financial Services, LLC NMLS ID 2143 | 223 S West Street, Suite 900 Raleigh, NC 27603 | (919) 238-4934 | www.KevinMartini.com | Kevin@KevinMartini.com | Equal Housing Opportunity

There is no question, when you are buying a home for the first time or the fiftieth time there are many factors that you and your family should consider such as where you want to live, why do you want to buy or why do you want to sell and a very important one is who will help you along the way. I truly believe that it should always be loan first than home and to help with the loan you should only work with an experience local mortgage strategist.

What are the MOST important factors to consider? Raleigh Mortgage Strategist Kevin Martini shares his 2 very important factors to watch in today’s real estate market and they will be discussed in this, the 62nd episode of the Martini Mortgage Podcast.

For more 'things' that you should consider when buying a home in Raleigh, NC or anywhere in the U.S. ---> be sure to check out the Martini Buyer Guide (www.MartiniBuyerGuide.com). It simply and effectively shares the current real estate opportunity. Yes, the Martini Buyer Guide is FREE however it is packed with priceless information.

Kevin Martini | NMLS ID 143962 | Senior Mortgage Strategist & Branch Manager | Martini Mortgage Group at Benchmark Mortgage | Ark-La-Tex Financial Services, LLC NMLS ID 2143 | 223 S West Street, Suite 900 Raleigh, NC 27603 | (919) 238-4934 | www.KevinMartini.com | Kevin@KevinMartini.com | Equal Housing Opportunity

Homeownership matters…there are financial benefits to owning a home and there are also social benefits to owning a home. The homeownership rate is volatile, the homeownership rate in the U.S. for Q1of 2019 was 64.2%. During Q2 & Q4 of 2004 the homeownership rate recorded its highest reading in modern history at 69.2%. Right now, in my opinion, there is a ground floor opportunity for homeownership & this episode talks about the 4 Kevin Martini Reasons to be Optimistic about Homeownership.

Kevin Martini is not just the host of the Martini Mortgage Podcast…Kevin Martini has been in the financial services since the late 80’s and has exclusively worked in the mortgage arena since 2006 and is the Branch Manager and Senior Mortgage Strategist of the Martini Mortgage Group at Benchmark Mortgage which is headquartered in Raleigh, North Carolina.

In Episode 61 of the Martini Mortgage Podcast, Kevin Martini shares his 4 Reason to be Optimistic about Homeownership. SPOILER ALERT: Number 1 is: the economy. Number 2 is: wage growth. Number 3 is: mortgage rates. Number 4 is: inventory.

For more analysis of these 4 reasons to be optimistic about homeownership tune into the episode 61 of the Martini Mortgage Podcast.

Kevin Martini | NMLS ID 143962 | Senior Mortgage Strategist & Branch Manager | Martini Mortgage Group at Benchmark Mortgage | Ark-La-Tex Financial Services, LLC NMLS ID 2143 | 223 S West Street, Suite 900 Raleigh, NC 27603 | (919) 238-4934 | www.KevinMartini.com | Kevin@KevinMartini.com | Equal Housing Opportunity

There could be several reasons why one wants to own a home. Some of the reason may be financial and some may be social however ready or not, Summer 2019 is here and there are 4 reasons to buy a home in summer 2019!

Kevin Martini, the host of the Martini Mortgage Podcast explores these 4 reasons to buy a home this summer in episode 60 of the Martini Mortgage Podcast. Kevin Martini is also the Senior Mortgage Strategist and Branch Manager of the Martini Mortgage Group at Benchmark Mortgage which is headquartered in Raleigh, NC and serves families all over the North Carolina and Virginia.

One of the many goals of the Martini Mortgage Podcast is share information so one can make an educated decision on whether homeownership is right for you and your family. The topic of the 60th episode was inspired by the Summer 2019 Edition of the Martini Buyer Guide called: Things to Consider when Buying a Home.

The Martini Buyer Guide is free however it is packed with priceless information to help make an educated decision on whether or not owning a home is right for you and your family.

“I believe the Martini Buyer Guide simply and effectively communicates the current market opportunity” - Kevin Martini

Kevin Martini | NMLS ID 143962 | Senior Mortgage Strategist & Branch Manager | Martini Mortgage Group at Benchmark Mortgage | Ark-La-Tex Financial Services, LLC NMLS ID 2143 | 223 S West Street, Suite 900 Raleigh, NC 27603 | (919) 238-4934 | www.KevinMartini.com | Kevin@KevinMartini.com | Equal Housing Opportunity

Every season, Kevin Martini and Logan Martini with the Martini Mortgage Group at Benchmark Mortgage curate a homebuyer guide that simply and effectively communicates the current market opportunity. Their Summer 2019 Homebuyer Guide is called: Things to Consider when Buying a Home.

The 59th episode of the Martini Mortgage Podcast is all about this priceless homebuyer guide. Host, Kevin Martini will talk in detail about the 3 sections in the Summer 2019 Homebuyer Guide. They are: Section I of Things to Consider When Buying a Home discusses what is happening in the housing market. Section II of the Martini Homebuyer Guide highlights what you need to know before you buy a home. In Section III ... it clearly illustrates what to expect when buying a home.

“At the Martini Mortgage Group, we understand that purchasing a home is more than just one single event. It is a process. Part of the process is education hence, the Summer 2019 Edition of the Martini Buyer Guide. There is truly no substitute for education. “ Kevin Martini

Kevin Martini | NMLS ID 143962 | Senior Mortgage Strategist & Branch Manager | Martini Mortgage Group at Benchmark Mortgage | Ark-La-Tex Financial Services, LLC NMLS ID 2143 | 223 S West Street, Suite 900 Raleigh, NC 27603 | (919) 238-4934 | www.KevinMartini.com | Kevin@KevinMartini.com | Equal Housing Opportunity

Officially, June is National Homeownership Month however it really does not matter what month or day it is since it's always a great time to celebrate owing a home. In the spirit of celebrating homeownership episode 058 is NOT about the financial benefits of owning home but about the Kevin Martini top 8 social benefits to owning a home.

Homeownership is one the most covenanted goals people of all generations want to achieve since it is truly part of the American Dream and the benefits are not just social. Your host of the Martini Mortgage Podcast, Kevin Martini, will share his top 8 social benefits to owning a home.

Enjoy :)

Kevin Martini | NMLS ID 143962 | Senior Mortgage Strategist & Branch Manager | Martini Mortgage Group at Benchmark Mortgage | Ark-La-Tex Financial Services, LLC NMLS ID 2143 | 223 S West Street, Suite 900 Raleigh, NC 27603 | (919) 238-4934 | www.KevinMartini.com | Kevin@KevinMartini.com | Equal Housing Opportunity

Kevin Martini is a trusted Raleigh Mortgage Lender with the Martini Mortgage soup at Benchmark Mortgage and he is also the host of the Martini Mortgage Podcast. In episode 057, Kevin Martini, will be talking about Annual Percentage Rate (a.k.a. APR).

What is APR? Is it a good tool to compare 2 products? Should one use APR only to decide which home loan or mortgage they should get?

APR (Annual Percentage Rate) was created to help a consumer compare 2 loan products. It was created with and is used today with the purest of intentions however, it is my opinion, APR can be misleading. Episode 057 defines what APR is and shows highlights some of the shortcomings.

Kevin Martini | NMLS ID 143962 | Senior Mortgage Strategist & Branch Manager | Martini Mortgage Group at Benchmark Mortgage | Ark-La-Tex Financial Services, LLC NMLS ID 2143 | 223 S West Street, Suite 900 Raleigh, NC 27603 | (919) 238-4934 | www.KevinMartini.com | Kevin@KevinMartini.com | Equal Housing Opportunity

The question is not is not “if” a recession will happen, it is “when” it will happen. When it happens what will happen to housing market? When it happens what will happen to housing values? When it happens, will it be like the great recession of 2008? Episode 56 of the Martini Mortgage Podcast with Kevin Martini is called: it is coming, recession

If you assume that the next recession will be as bad as the one in 2008, you need to tune in. If you believe that it has been too ling since the last recession and the next one is going to be worse, then you need to tune in.

Kevin Martini is the Branch Manager and Senior Mortgage Strategist with the Martini Mortgage Group at Benchmark Mortgage and has been in the financial services since the late 80’s and has been exclusively working in the mortgage arena since 2006. Kevin most recent eBook is called: Things to Consider when Buying a Home — free access to this priceless information is available by going to: www.MartiniBuyerGuide.com

Kevin Martini | NMLS ID 143962 | Senior Mortgage Strategist & Branch Manager | Martini Mortgage Group at Benchmark Mortgage | Ark-La-Tex Financial Services, LLC NMLS ID 2143 | 223 S West Street, Suite 900 Raleigh, NC 27603 | (919) 238-4934 | www.KevinMartini.com | Kevin@KevinMartini.com | Equal Housing Opportunity

Mortgage Amortization is the gradual reduction of debt over a period of time…for a 30-year fixed mortgage, the given period of time is 360 months. In the 55th episode of the Martini Mortgage Podcast, Kevin Martini discusses mortgage amortization and shares how to get mortgage-free faster.

With a fixed rate mortgage term, your mortgage payment remains constant however distribution of principal and interest is different every month. In the beginning of your loan a disproportioned amount of your fixed payment goes towards interest and later in the loan it is inverted hence, more principal is retired.

Raleigh, NC Mortgage Strategists Kevin Martini shares how to make a 30-year mortgage a 20-year in this episode and how to make a 30-year mortgage a 15-year mortgage too.

If you or someone you know has questions about getting a mortgage or about the current mortgage rate environment, call Kevin Martini with the Martini Mortgage Group at Benchmark Mortgage.

OH BY THE WAY…if you are in Instagram, check out @KevinMartinLive

Kevin Martini | NMLS ID 143962 | Senior Mortgage Strategist & Branch Manager | Martini Mortgage Group at Benchmark Mortgage | Ark-La-Tex Financial Services, LLC NMLS ID 2143 | 223 S West Street, Suite 900 Raleigh, NC 27603 | (919) 238-4934 | www.KevinMartini.com | Kevin@KevinMartini.com | Equal Housing Opportunity

In this episode of the Martini Mortgage Podcast, your host, Kevin Martini will be spring the two very positive trends that are keeping housing affordable. Let us share a sneak peak…mortgage rates and wage growth.

Kevin Martini is not just the host of the Martini Mortgage Podcast, he is the Branch Manager and Senior Mortgage Strategist of the Martini Mortgage Group at Benchmark Mortgage.

Kevin Martini is not just the host of the Martini Mortgage Podcast. Kevin Martini is a Mortgage Strategist and Branch Manager of the Martini Mortgage Group at Benchmark Mortgage which is located in Raleigh, North Carolina.

Episode 053 of the Martini Mortgage Podcast is about credit. Did you know that, your credit score is determined by which type of company is pulling your credit? Did you know those free website that provide you with a credit score only provide a ‘perspective’ not an actual score that is used to determine if you qualify for debt? Do you know the 5 components of your credit score for a mortgage? These questions and more will be answered in episode 053 of the Martini Mortgage Podcast.

When one is looking to secure a mortgage the credit score is just 1 of 30+ things that are considered. That is correct, credit is just one component and there are mortgage programs available with the Martini Mortgage Group if you have a bump or bruise on your credit. The credit score is not the ONLY factor to determine if you qualify for a home loan.

There are five major components to one’s credit score and they are discussed in this episode. 2 of the 5 carry a disproportioned without on what your credit score will be. See the graphic below.

If you are thinking of buying a home for the 1st time or the 15th time, the process is always the same. Loan first & then find your place to call home.

If you or someone you know has questions about credit or the unique mortgage products offered by the Martini Mortgage Group at Benchmark Mortgage then simply give Kevin Martini a call at (919) 238-4934.

Kevin Martini | NMLS ID 143962 | Branch Manager | Martini Mortgage Group at Benchmark Mortgage | Ark-La-Tex Financial Services, LLC NMLS ID 2143 | 5650 Six Fork Road, Suite 101, Raleigh, NC 27608 | (919) 238-4934 | www.KevinMartini.com | Kevin@KevinMartini.com | Equal Housing Opportunity

There is no question there are financial benefits to buying a home and on episode 46 of the Martini Mortgage Podcast the top 5 financial reasons we shared but there are also mistakes one can make when buying home. The 52nd episode of the Martini Mortgage Podcast is called: 4 Homebuyer Mistakes.

“There is no question that buying a home is a big decision. I have seen families get so very excited and the excitement sometime leads to mistakes.” - Kevin Martini

Kevin Martini is not just the host of the Martini Mortgage Podcast, he is also the Branch Manager and Senior Mortgage Strategist of the Martini Mortgage Group at Benchmark Mortgage which is located in Raleigh, North Carolina. Everyday, Kevin Martini helps families create wealth with real estate by securing the lowest cost of borrowing with the proper mortgage strategy and with post closing mortgage management.

Kevin Martini | NMLS ID 143962 | Branch Manager | Martini Mortgage Group at Benchmark Mortgage | Ark-La-Tex Financial Services, LLC NMLS ID 2143 | 5650 Six Fork Road, Suite 101, Raleigh, NC 27608 | (919) 238-4934 | www.KevinMartini.com | Kevin@KevinMartini.com | Equal Housing Opportunity

Shifts in real estate is part of a normal cycle and the gears do not need to grind, it can be very smooth and in my opinion that is what is happening in housing right now. On the aggregate, the housing market still provides a slight edge to sellers but that edge is not very steep, or as steep as it had been in the past. Is the real estate market balancing out? Oh by the way, a balanced market is not a bad thing!

Episode 51 of the Martini Mortgage Podcast is called: ‘Shift Happens’ and host Kevin Martini discusses the 3 things one needs to know in a shifting market. 1) What is happening in the housing market. 2) Why is it happening? 3) How is the local market impacted.

Kevin Martini is not just the host of the Martini Mortgage Podcast, he is also the Branch Manager and Senior Mortgage Strategist of the Martini Mortgage Group at Benchmark Mortgage which is located in Raleigh, North Carolina. Everyday, Kevin Martini helps families create wealth with real estate by securing the lowest cost of borrowing with the proper mortgage strategy and with post closing mortgage management.

Kevin Martini | NMLS ID 143962 | Branch Manager | Martini Mortgage Group at Benchmark Mortgage | Ark-La-Tex Financial Services, LLC NMLS ID 2143 | 5650 Six Fork Road, Suite 101, Raleigh, NC 27608 | (919) 238-4934 | www.KevinMartini.com | Kevin@KevinMartini.com | Equal Housing Opportunity

Some headlines are saying that a recession is coming in 2020. Headlines do not tell the entire story especially when talking about housing and home loans. The 50th episode (a.k.a. The Golden Edition) of the Martini Mortgage Podcast is about what has happened to housing values during the recessions of the past and what the experts believe will happen to housing values if another recession rears it head.

Kevin Martini is not just the host of the Martini Mortgage Podcast, Kevin Martini is the Branch Manager and Senior Mortgage Strategist of the Martini Mortgage Group at Benchmark Mortgage and has been helping families in Raleigh and all over North Carolina with trusted mortgage advice since 2006.

What is a recession? Simply put, a recession is a temporary economic slow down. The key word is temporary! A recession is part of a normal economics cycle - there should never be a question of ‘IF’ a recession will happen, because it will happen. In fact, some recessions happen and they are over before we even know it started.

IMPORTANT: Recession does not me there is going to be another Great Recession. Recession does not mean housing crisis either.

It is natural to make an assumption that the last recession, the great recession, will be what the next recession will look like. The great recession impacts a ton of families however statistically it will not be and one can say there is a potential the next recession could happen and it be over before anyone even realized it was a recession.

The 50th episode of the Martini Mortgage Podcast will not just talk about the headlines but go into the story and share the facts and what experts have actually said.

Kevin Martini | NMLS ID 143962 | Branch Manager | Martini Mortgage Group at Benchmark Mortgage | Ark-La-Tex Financial Services, LLC NMLS ID 2143 | 5650 Six Fork Road, Suite 101, Raleigh, NC 27608 | (919) 238-4934 | www.KevinMartini.com | Kevin@KevinMartini.com | Equal Housing Opportunity

Only in North Carolina can you experienced all 4 seasons within one week. Now it is official Spring! Spring is a great time to buy a home and Kevin Martini, the host of the Martini Mortgage Podcast shares the top 4 reasons to buy a home and get a mortgage this Spring in the 49th episode of the Martini Mortgage Podcast.

Kevin Martini | NMLS ID 143962 | Branch Manager | Martini Mortgage Group at Benchmark Mortgage | Ark-La-Tex Financial Services, LLC NMLS ID 2143 | 5650 Six Fork Road, Suite 101, Raleigh, NC 27608 | (919) 238-4934 | www.KevinMartini.com | Kevin@KevinMartini.com | Equal Housing Opportunity

In this episode of the Martini Mortgage Podcast, host Kevin Martini, will be having a conversation with Rachel Kendall and Mahala Landin with the International Award-Winning Real Estate Team: The Rachel Kendal Team. Rachel is the founder and leader of the Rachel Kendall Team and Mahala Landin is the managing director. There mission is laser sharp; helping families create homes one house at a time…you know what else is very sharp, these two ladies are!

Kevin Martini is not just the host of the Martini Mortgage Podcast, he is also the Branch Manager and Senior Mortgage Strategist of the Martini Mortgage Group at Benchmark Mortgage which is located in Raleigh, North Carolina and servicing families all over the great state of North Carolina.

The video edition of the 48th episode of the Martini Mortgage Podcast is available bu going to www.MartiniMortgagePodcast.com or by going to www.MarttiniTV.com -

If you have any questions about this episode or if you want/need mortgage help, please call Kevin Martini at the Martini Mortgage Group with Benchmark Mortgage.

Kevin Martini | NMLS ID 143962 | Branch Manager | Martini Mortgage Group at Benchmark Mortgage | Ark-La-Tex Financial Services, LLC NMLS ID 2143 | 5650 Six Fork Road, Suite 101, Raleigh, NC 27608 | (919) 238-4934 | www.KevinMartini.com | Kevin@KevinMartini.com | Equal Housing Opportunity

It does not matter if you are buying your first home ever or you are purchasing your fifth, there is NEVER a substitute for education on home prices and the market. Kevin Martini, the host of the Martini Mortgage Podcast has just published the Spring 2019 Homebuyer eBook called: “Things to Consider when Buying a Home. This eBook is available for FREE by going to www.MartiniBuyerGuide.com

The 47th episode of the Martini Mortgage Podcast is all about the things to consider when buying a home. Host, Branch Manager and Senior Mortgage Strategist Kevin Martini talks about what is happening in the housing market and you will have a glimpse of the factors to watch today's real estate market…to include a peek at home prices over the last year and much more. In addition, Kevin Martini will discuss, what you need to know before you buy and give a high level of the lingo in the mortgage and real estate world. Finally, Kevin Martini will about the expectations one should have when buying a home and getting a mortgage.

“I believe the Spring 2019 edition of ‘Things to Consider when Buying a Home’ simply and effectively communicates the current housing opportunity.” - Kevin Martini, Branch Manager and Senior Mortgage Strategist with the Martini Mortgage Group at Benchmark Mortgage

Kevin Martini | NMLS ID 143962 | Branch Manager | Martini Mortgage Group at Benchmark Mortgage | Ark-La-Tex Financial Services, LLC NMLS ID 2143 | 5650 Six Fork Road, Suite 101, Raleigh, NC 27608 | (919) 238-4934 | www.KevinMartini.com | Kevin@KevinMartini.com | Equal Housing Opportunity

On the path to wealth is owning real estate…at the end of the day, we all need a roof over head - some will rent, and that is OK, there is a time to rent however that time is not now. Right now, I mean today, there are many benefits for homeownership and in the 46th episode of the Martini Mortgage Podcast, Kevin Martini highlights his #KevinMartiniLive Top 5.

Kevin Martini is not just the host of the Martini Mortgage Podcast, he is the Branch Manager and Senior Mortgage Strategist of the Martini Mortgage Group which is located in Raleigh North Carolina. So this episode of the Martini Mortgage Podcast and all episode for that matter are based on real world experiences and curated to simply and effective communicate the current opportunity for one thinking of buying, selling or investing in real estate.

WARNING: no podcast, no smart phone app or website can determine if buying a home is right for you and your family. Only you will know if homeownership is right after having stress-free confidential conversation with a local experienced mortgage strategist. The first step to buying a home is the loan, the second step is the loan.

If you or if you know someone that has questions about the benefits of homeownership or are curious about the unique home loan programs offered by the Martini Mortgage Group at Benchmark Mortgage, simply give Kevin Martini a call at 919.238.4934.

Kevin Martini | NMLS ID 143962 | Branch Manager | Martini Mortgage Group at Benchmark Mortgage | Ark-La-Tex Financial Services, LLC NMLS ID 2143 | 5650 Six Fork Road, Suite 101, Raleigh, NC 27608 | (919) 238-4934 | www.KevinMartini.com | Kevin@KevinMartini.com | Equal Housing Opportunity

It is less affordable to buy a home today than it was during the last 10-years! By the end of this year, next year and next the next decade, homeownership is going to continue to get less affordable. Even if home prices appreciate at a slower rate than they have in the past, in the coming years, home affordability will slide. Now even though it is more expensive today as compared to a decade ago, home affordability is less than it was prior to the housing correction.

Kevin Martini | NMLS ID 143962 | Branch Manager | Martini Mortgage Group at Benchmark Mortgage | Ark-La-Tex Financial Services, LLC NMLS ID 2143 | 5650 Six Fork Road, Suite 101, Raleigh, NC 27608 | (919) 238-4934 | www.KevinMartini.com | Kevin@KevinMartini.com | Equal Housing Opportunity

There is no question that real estate builds wealth and mortgage strategist Kevin Martini discusses this topic in the 44th episode of the Martini Mortgage Podcast.

One way real estate creates wealth by appreciation. Simply put appreciation is the increase in the home value over time. According to Zillow, nationally, there was over a 7% increase in appreciation in 2018…they predict over 6% appreciation in 2019. Another way that real estate creates wealth is when you have a mortgage. A mortgage allows you to multiple your return on investment.

There is no connection between appreciation and the amount of money that you have invested to purchase the home…in other words, if you paid cash for a home or if you financed it with a the help of an experienced local trusted mortgage strategist your appreciation is the same.

“A house does not care how much you put down…it is going to appreciate at the same rate regardless if you have a mortgage or not.” Kevin Martini, Senior Mortgage Strategist of the Martini Mortgage Group.

In this episode of the Martini Mortgage Podcast there will be a discussion how a mortgage provides leverage to amplify your ‘cash-on-cash’ return. Yes, one who has a mortgage typically has a higher ‘cash-on-cash’ return versus one who doe snot have a mortgage and paid cash for the house.

There are many ways to make wealth in the Raleigh, North Carolina and the U.S. for that matter but one of the easier ways to create wealth is though real estate. Real estate creates wealth.

If you or someone you know has questions about building wealth with real estate or questions about the current home loan rate environment or the unique home loan programs offered by the Martini Mortgage Group at Benchmark Mortgage, then reach out — our number is (919) 238-4934

Kevin Martini | NMLS ID 143962 | Branch Manager | Martini Mortgage Group at Benchmark Mortgage | Ark-La-Tex Financial Services, LLC NMLS ID 2143 | 5650 Six Fork Road, Suite 101, Raleigh, NC 27608 | (919) 238-4934 | www.KevinMartini.com | Kevin@KevinMartini.com | Equal Housing Opportunity

Private Mortgage Insurance (a.k.a. PMI) is a good thing! PMI will not be on the homeownership journey with you forever! Private Mortgage Insurance provides a road for someone that does not have 20% down of the purchase price for a new home. Yes, you can buy your dream home sooner with the help of PMI and you can own a home with as little as 3% down. I truly believe that homeownership creates wealth for the families I serve and episode 43 of the Martini Mortgage Podcast is about Private Mortgage Insurance. Only you know what the right solution is for you and your family. The question of renting versus buying or waiting until you hav e a substantial down payment to purchase a home is your decision.

Kevin Martini is the Branch Manager and Senior Mortgage Strategist of the Martini Mortgage Group at Benchmark Mortgage which is located in Raleigh, NC. Kevin Martini produces weekly the Martini Mortgage Podcast to help educate so you one make an educated decision based on facts, not fiction. Episode 42 focused on Private Mortgage Insurance.

“It does not matter if you put no money down on the home, it does not matter if you put 3, 5 or 20 percent down…heck it does not matter if you pay cash for the home…the market will determine the value of your home in the future, not the amount of mortgage.” - Kevin Martini

Here are some frequently asked questions the Martini Mortgage Group at Benchmark Mortgage has been asked bout Private Mortgage Insurance and here is Kevin Martini thoughts:

Won’t Private Mortgage Insurance just increase my payment?

The short answer is yes but one needs to know that the mortgage payments are determined mainly by the interest rate and the loan amount plus property taxes and homeowner insurance. Private Mortgage Insurance represents only a very small percentage of your mortgage payment on the aggregate.

How much does Private Mortgage Insurance cost?

It varies! One will need less mortgage insurance with 15% down than one will with 3% down. There are many factors that determine the costs, loan-to-value and credit score are just 2 examples.

Do I have to keep Private Mortgage Insurance forever?

No. Private Mortgage Insurance can be canceled once your mortgage balances reaches 80% of the home’s original purchase price or current appraised value.

If you or someone you know has questions about Private Mortgage Insurance, home loan rates or unique mortgage products, give Kevin Martini a call: (919) 238-4934.

Kevin Martini | NMLS ID 143962 | Branch Manager | Martini Mortgage Group at Benchmark Mortgage | Ark-La-Tex Financial Services, LLC NMLS ID 2143 | 5650 Six Fork Road, Suite 101, Raleigh, NC 27608 | (919) 238-4934 | www.KevinMartini.com | Kevin@KevinMartini.com | Equal Housing Opportunity

Many people may be telling you that you need to stop renting and buy a home. Only you know what the right solution is for you and your family. Anyone that gives you advice to buy a very large asset and secure a very large debt without knowing you and without knowing you short and long terms goals is wrong…that is a like a doctor giving you a prescription without doing an examination…some would call this malpractice!

FULL DISCLOSURE: The host of the Martini Mortgage Podcast is Kevin Martini. Kevin Martin is also the Branch Manager and Senior Mortgage Strategist of the Martini Mortgage Group at Benchmark Mortgage. Kevin Martini believe that owning real estate creates wealth for a family.

“Today, one of the most powerful advantages of owning real estate leverage. Leverage is using a mortgage amplify your return. An added benefit is we all need to have a roof over our head, with a mortgage many can own that roof instead of renting it.” Kevin Martini

The Martini Mortgage Podcast was developed to educate. It is designed to be accessible, relatable and educational. Getting a mortgage is a big thing and making the decision to stop renting and to buy a home can only be done with the help of a trusted mortgage strategist that understands your current situation and has a grasp of your short and long-term goals.

If you are thinking about buying a home, call Kevin Martini at (919) 238-4934. Be sure to tune in to our weekly podcast every Tuesday on all streaming services and check out or website: www.MartiniMortgageGroup.com for additional information....video edition available at: www.MartiniTV.com

Kevin Martini | NMLS ID 143962 | Branch Manager | Martini Mortgage Group at Benchmark Mortgage | Ark-La-Tex Financial Services, LLC NMLS ID 2143 | 5650 Six Fork Road, Suite 101, Raleigh, NC 27608 | (919) 238-4934 | www.KevinMartini.com | Kevin@KevinMartini.com | Equal Housing Opportunity

There is a ton of noise in the housing market right now but is the noise a cheer or a boo? In recent months there has been a positive movement in housing inventory. In other words, more homes are for sale. In addition, mortgage rates have made some upward movement - yes, mortgage rates are higher today than they have been in the recent past. But is higher home loan rates a bad thing? Is more homes for sale a bad thing? Your host, Kevin Martini with the Martini Mortgage Group at Benchmark Mortgage will share his thoughts in the 41st episode of the Martini Mortgage Podcast.

Kevin Martini is not just the host of the Martini Mortgage Podcast he is also the Branch Manager and Senior Mortgage Strategist of the Martini Mortgage Group at Benchmark Mortgage which is located at 5650 Six Forks Road, Suite 101 Raleigh, NC 27609 and he helps families not just in Raleigh but all over the Triangle of North Carolina and all over the great state of North Carolina (i.e from the mountains to the coast).

Fannie Mae, Mortgage Bankers Association and the National Association of Realtors have released their 2019 predication. Fannie Mae and the Mortgage Bankers Association see in increase in existing home sales in 2019 as compared to 2018. The National Association of Realtors believer the existing home sales will be at the same level they were in 2018 for 2019.

(NOTE: at time of publication the Freddie Max data was not available)

The video edition along with some of the data that was shared on the 41s episode of the Martini Mortgage Podcast is available on out blog:

In addition the video only edition is available on YouTube: www.MartiniTV.com

Confirmation that the housing market is green and growing and that the noise is sweet music is the Home Price Expectation Survey. In addition, data from the Federal Housing and Finance Agency shows a glass half-full.

If you have questions about what you hear (or see) then please reach out to Kevin Martini at (919) 238-4934.

Kevin Martini | NMLS ID 143962 | Branch Manager | Martini Mortgage Group at Benchmark Mortgage | Ark-La-Tex Financial Services, LLC NMLS ID 2143 | 5650 Six Fork Road, Suite 101, Raleigh, NC 27608 | (919) 238-4934 | www.KevinMartini.com | Kevin@KevinMartini.com | Equal Housing Opportunity

The 40th episode of the Martini Mortgage Podcast is a chat with real estate rockstar Lisa Quin with Re/Max. Lisa Quin has made the Triangle of North Carolina her home for over 20 years and her servant attitude to helping families is refreshing in the industry, it is my opinion this is why she is so wildly successful. Simply put, her role is helping her clients through the process successfully to their best advantage.

I have firsthand confirmation her clients appreciate working with someone who can help them identify the sometimes “hidden” strengths and weakness of homes.

The 40th episode of the Martini Mortgage Podcast also has a video edition that you can access: https://youtu.be/8jkHe7duWpQ

Kevin Martini is not just the host of the Martini Mortgage Podcast he is also the Branch Manager and Senior Mortgage Strategist of the Martini Mortgage Group which is located in Raleigh, North Carolina. Check out what families say about working with Kevin Martini by just doing a Google search…just type into the search bar: “Kevin Martini Zillow Reviews”.

The Martini Mortgage Group mission reflects the true beliefs of the organization. Simply put, The Martini Mortgage Group is dedicated to helping families create wealth through real estate by delivering an honest, knowledge-based experience, we strive to not only provide mortgage advice and assistance, but to build lasting, professional relationships along the way.

Kevin Martini | NMLS ID 143962 | Branch Manager | Martini Mortgage Group at Benchmark Mortgage | Ark-La-Tex Financial Services, LLC NMLS ID 2143 | 5650 Six Fork Road, Suite 101, Raleigh, NC 27608 | (919) 238-4934 | www.KevinMartini.com | Kevin@KevinMartini.com |Equal Housing Opportunity

In the beginning of each year, Kevin Martini with the Martini Mortgage Group shares his forecast for the new year. Historically, this forecast was ONLY shared with the real estate community however for the first time in history, Kevin Martini is sharing his prediction and expectations in the 39th episode of the Martini Mortgage Podcast.

What does Senior Mortgage Strategist Kevin Martini think is going to happen with stocks? What does Senior Mortgage Strategist Kevin Martini think the Federal Reserve is going to do in 2019? Where doe Senior Mortgage Strategist Kevin Martini think Raleigh mortgage rates are headed in 2019? Stocks, the Fed & mortgage rates, OH MY!

Kevin Martini | NMLS ID 143962 | Branch Manager | Martini Mortgage Group at Benchmark Mortgage |Ark-La-Tex Financial Services, LLC NMLS ID 2143 | 5650 Six Forks Road, Suite 101 Raleigh, NC 27609 |(919) 238-4934 |www.KevinMartini.com | Kevin.Martini@Benchmark.us | Equal Housing Opportunity

It is my privilege to offer the VA Home Loans and making a home for the brave. In episode 038 of the Martini Mortgage Podcast, Kevin Martini will share the top 4 benefits of a VA Home Loan. The VA Home Loan helps Servicemembers, Veterans and eligible surviving spouses become homeowners. These loans are made though lenders like the Martini Mortgage Group and are guaranteed by the Department of Veteran Affairs. Most VA Loans will not require a down payment and private mortgage insurance is not required.

Kevin Martini is not just the host of the Martini Mortgage Podcast, he is also the Branch Manager and Senior Mortgage Strategist with the Martini Mortgage Group at Benchmark Mortgage that is based in Raleigh, North Carolina and serves all in this great state — from the coast to the mountains.

“It is my opinion, the veteran lending space has long been subject to predatory lending. I believe that our heroes who choose to serve this nation deserve the outstanding service that the Martini Mortgage Group has offered here in North Carolina since 2006”. (Kevin Martini)

The Martini Mortgage Group make a very simple promise to the brave hero’s and their families:

‘NO MORE will the Veteran be taken advantage of. We have changed the way VA lending is done. We will always do right by the Veteran and provide a first-class service that ensures our Veterans receive the American Dream of homeownership they deserve.’

If you have questions about the what you learn in this podcast or have questions about the VA Home Loan we invite you to call Kevin Martini with the Martini Mortgage Group at Benchmark Mortgage: (919) 238-4934.

Kevin Martini | NMLS ID 143962 | Branch Manager Martini Mortgage Group at Benchmark Mortgage | Ark-La-Tex Financial Services, LLC NMLS ID 2143 | 5650 Six Forks Road, Suite 101 Raleigh, NC 27609 | (919) 238-4934 | www.KevinMartini.com | Kevin.Martini@Benchmark.us | Equal Housing Opportunity

A booming generation that often finds themselves stuck in the rental trap are millennials since myths have prevented many millennials from even considering homeownership as an option for them and their family. Episode 037 of the Martini Mortgage Podcast is called: Millennials Top Goals and it has been produced to provide trusted information one will need, regardless of generation, to make the best decision regarding homeownership.

Kevin Martini, your host, Branch Manager and Senior Mortgage Strategist of the Martini Mortgage Group at Benchmark Mortgage will breakdown the myths and stereotypes that have long been believed to be true, as well as shed some light on the opportunity to build wealth using monthly housing costs.

Enjoy this episode of the Martini Mortgage Podcast and if you or someone you know has questions about the current mortgage rate environment or the unique home loan products available than call the Martini Mortgage Group at Benchmark Mortgage: (919) 238-4934

Kevin Martini | NMLS ID 143962 | Branch Manager Martini Mortgage Group at Benchmark Mortgage | Ark-La-Tex Financial Services, LLC NMLS ID 2143 | 5650 Six Forks Road, Suite 101 Raleigh, NC 27609 | (919) 238-4934 | www.KevinMartini.com | Kevin.Martini@Benchmark.us | Equal Housing Opportunity

There is no question that owning a home has great financial benefits however many people continue to rent! It is my opinion, renting is has really become a shortsighted option. Buying a home remains to be a more attractive option in the long term….not just in Raleigh, North Carolina but all over the U.S. To help touch and feel homeownership and all of the benefits, episode 36 of the Martini Mortgage Podcast is about the Kevin Martini 7 reasons that owing is financially better than renting.

Kevin Martini | NMLS ID 143962 | Branch Manager | Martini Mortgage Group at Benchmark Mortgage | Ark-La-Tex Financial Services, LLC NMLS ID 2143 | 5650 Six Forks Road, Suite 101 Raleigh, NC 27609 | (919) 238-4934 | www.KevinMartini.com | Kevin.Martini@Benchmark.us | Equal Housing Opportunity

There are many misconceptions about buying a home that are believed to be true…the 35th episode of the Martini Mortgage Podcast with Kevin Martini will look at one of the most common ones that may be holding you back from buying a home today.

SPOILER ALERT: You do not need 20% down to buy a home!

Buyers often overestimate the down payment funds needed to qualify for a home loan. This overestimation is not just done by first-time homebuyers, it is also done by repeat homebuyers.

While many believe that they need at least 20% down to buy their dream homes, they do not realize that there are programs available which allow them to put down as little as 3% with the Martini Mortgage Group at Benchmark Mortgage.

#KEVINMARTINILIVE FACTOID: about 3 out of every 4 first-time homers put less than 20% down to purchase their home.

(check out Kevin Martini on Instagram: @KevinMartiniLive)

Right now you can still get an epic mortgage rate and that rate is most likely better than your older brother or sisters interest rate ten years ago…it is most likely lower than the interest rate you parents got twenty years ago and I bet way better than the rate your grandparents received for their mortgage forty years ago.

Buying a home is a process not an event. The process includes education and guidance from a trusted mortgage strategist. To help with education, every season, Kevin Martini creates a Homebuyer Guide that simply and effectively communicates the current market opportunity…it is called: ‘Things to Consider when Buying a Home’ — the guide is free however the information in the pages are priceless. To get access go to: www.MartiniBuyerGuide.com

If the right thing for you and your family is to purchase a home, buying sooner rather than later could lead to substantial savings. If it is time to take the first step...call trusted Mortgage Strategist Kevin Martini with the Martini Mortgage Group at Benchmark Mortgage at (919) 238-4934.

Kevin Martini | NMLS ID 143962 | Branch Manager | Martini Mortgage Group at Benchmark Mortgage | Ark-La-Tex Financial Services, LLC NMLS ID 2143 | 5650 Six Forks Road, Suite 101 Raleigh, NC 27609 | (919) 238-4934 | www.KevinMartini.com | Kevin.Martini@Benchmark.us | Equal Housing Opportunity

Kevin Martini is not just a podcaster…he is the host of the Martini Mortgage Podcast. In addition, he is the Branch Manager and Senior Mortgage Strategist with the Martini Mortgage Group at Benchmark Mortgage…in this episode, Kevin Martini discusses 2 Factors To Keep On The Mind When Buying A Home. I know, there are a ton of factors however after you have made the decision that you want to buy a home and you have decided where you want to live the 2 factors that you have to keep top of mind are mortgage interest rates and home inventory.

Episode 034 of the Martini Mortgage Podcast will go into detail on these 2 very important factors that one needs to keep top of mind: Mortgage Interest Rates & Home Inventories. Not only does Kevin Martini share these 2 factors in audio form…he also shares them in the written words. Be sure to check out the 2 page article on this topic starting on page 5 of the Kevin Martini Winter 2019 Homebuyer Guide called: Things to Consider When Buying a Home.

If you are currently in a starter or trade-up house that no longer fits your needs and you are looking to move-up, now is the time to list your house for sale and make your dreams come true.

If the right thing for you and your family is to purchase a home, buying sooner rather than later could lead to substantial savings. Call the Martini Mortgage Group at Benchmark Mortgage so we can get together to evaluate your opportunities.

Kevin Martini | NMLS ID 143962 | Branch Manager | Martini Mortgage Group at Benchmark Mortgage | Ark-La-Tex Financial Services, LLC NMLS ID 2143 | 5650 Six Forks Road, Suite 101 Raleigh, NC 27609 | (919) 238-4934 | www.KevinMartini.com | Kevin.Martini@Benchmark.us | Equal Housing Opportunity

Episode 33 of the Martini Mortgage Podcast is called :4 Reasons to Buy a Home this Winter. Kevin Martini recently released his Winter 2019 Homebuyer Guide which is called, Things to Consider When Buying a Home and the marque article is about the 4 reasons to buy a home this winter. This homebuyer guide is free however the information in it is priceless and you can get access by going to: www.MartiniBuyerGuide.com

It does not matter if you are a first-time homebuyer or a repeat home buyer — whenever you are getting a mortgage or buying real estate you should seek-out a trusted resource to provide information to help you make an educated decision. At the end of the day, there is no substitute for education especially with what may be your largest asset purchase and your largest debt of your life.

Kevin Martini and the entire Martini Mortgage Group at Benchmark Mortgage provide great mortgage rates with stress-free and onetime closing…they also deliver an honest, well communicated knowledge based experience and they do this because they believe real estate is a path to wealth.

After tuning in to the Martini Mortgage Podcast, check out the article on the 4 Reason to Buy a Home this Winter and the other articles in the Kevin Martini Winter 2019 Edition of “Things to Consider When Buying a Home” — yes the homebuyer guide is FREE however the information is PRICELESS!

Kevin Martini | NMLS ID 143962 | Branch Manager | Martini Mortgage Group at Benchmark Mortgage | Ark-La-Tex Financial Services, LLC NMLS ID 2143 | 5650 Six Forks Road, Suite 101 Raleigh, NC 27609 | (919) 238-4934 | www.KevinMartini.com | Kevin.Martini@Benchmark.us | Equal Housing Opportunity

Kevin Martini is the host of the Martini Mortgage Podcast and on Episode 032 shares the #KevinMartiniLive Skip the Coffee concept. Skip the Coffee is a concept that Kevin Martini developed based on the premise that one should look at small purchases the same way they look at large purchases.

“If one took a serious look at the small things they spent money and said not to that latte and allocated those monies towards their home loan principal, they could make a huge difference in getting your mortgage paid off faster”. - Kevin Martini

Carving out of you daily budget just $5.00 a day (i.e. $150) a month could save years off your mortgage.

In Wake County, North Carolina….the median priced home was was 307,630.00. On November 21st 2018, according to the Freddie Mac Primary Mortgage Market Survey, the U.S. weekly average for a 30-year fixed was 4.81% with .4 points. So, if you got a 30- year fixed rate mortgage at the rate of 4.81% — you would have a an estimated principal and interest payment every month of $1,293.00 dollars and after 30-years you would have no mortgage.

If you added $5.00 to your principal everyday that would mean you would be making a payment of $1,443 every month…this payment would be for your principal and interest along with an extra $150.00 principal reduction every month. If you can do this, that would mean you could, you will have reduced your principal by over $10,000!

Now how do you come up with that extra $5.00 a day — by foregoing this seemingly insignificant daily purchases and reallocating those finds to your mortgage.

I define long term as 15-years. Without deploying the Kevin Martini Skip the Coffee concept, in the example above, you would have paid $232,688.00 of principle and interest. With the Kevin Martini Skip the Coffee strategy of allocating just $5.00 a day to your home loan principal, you will have paid $259,688.00 of principal and interest however, you would have over $39,000 more equity in your home and your loan balance would be 126,071 vs not applying the skip the coffee strategy where the loan balance would be over 165,000.

If you or someone you know has questions about the Kevin Martini Skip the Coffee concept or questions about the Raleigh mortgage rate environment or questions about the unique mortgage products the Martini Mortgage Group at Benchmark Mortgage offers, just reach out to us at (919) 238-4934.

Kevin Martini | NMLS ID 143962 | Branch Manager | Martini Mortgage Group at Benchmark Mortgage | Ark-La-Tex Financial Services, LLC NMLS ID 2143 | 5650 Six Forks Road, Suite 101 Raleigh, NC 27609 | (919) 238-4934 | www.KevinMartini.com | Kevin.Martini@Benchmark.us | Equal Housing Opportunity

Does closing a home loan at the end of the month matter? Is there any economic difference between closing on the 1st of the month versus the end of the month? Do you understand the what interim interest is. At the end of episode 31 of the Martini Mortgage Podcast, with Kevin Martini's help, you you will have clarity of the differences between closing at the beginning of the month and the end of the month.

Kevin Martini called Episode 31 of the Martini Mortgage Podcast the Month End Myth. This special podcast was recorded because many people believe that closing at the end of the month matters hence, the month end myth! Why one believe the myth is not important. What matter is understanding that closing on a mortgage at the first of the month or closing on a mortgage in the middle of the month or closing on a mortgage on the last ay of the month you cost are all the same.

HOW DOES MORTGAGE INTEREST WORK? it is not noice to know, it is important to know that: Mortgage interest in ONLY paid when you have used the money. Mortgage interest is paid in arrears.

“When a mortgage payment is due on the 1st of the month, it is actually for the previous month interest…this is in contrast to renting” KEVIN MARTINI

Rent, generally, is paid on the 1st of the month and you are paying for the month in advance. In the mortgage world, you are paying your interest in arrears. All mortgage payments are due on the first of the month. Since there are many options of days when one can close on a real estate transaction, this could cause a wealth of mortgage due dates. To resolve this and to keep everything uniformed with a first of the month due date and to keep mortgage interest paid in arrears there I something called interim interest. Interim interest is paid at the closing table. It is my opinion, interim interest should not be considered a real closing cost.

In episode 31 of the Martini Mortgage podcast, Kevin Martini goes into more detail of interest interest. In addition, Kevin Martini shares the economics of closing on the first of the month and closing oat the end of the month.

SPOILER ALERT: the cost of closing a loan are exactly the same regardless when one closes.

Kevin Martini is not just the host of the Martini Mortgage Podcast he is also the Senior Mortgage Strategist and Branch Manager of the Martini Mortgage Group at Benchmark Mortgage.

If you or someone you know has questions about when to close or would like to talk about the unique strategy that Kevin Martini deploys with the help of his trusted real estate Partners that requires less money at the closing table but provides no need for first payment until a little over 60-days, then call (919) 238-4934 and talk to Kevin Martini or one of his Mortgage Strategists.

Episode 30 off the Martini Mortgage Podcast is called: REALITY

One could say there is a shift in the real estate market…one could say that shift is because higher mortgage interest rates. One could say that they think mortgage rates are going to go higher. One could say since there is going to be higher home loan rates that mean there will be less sales. One could say this means there will be price contraction. The host of the Martini Mortgage Podcast is Kevin Martini and he will share the facts based on the data on all of these topics.

Kevin Martini is not just the host of the Martini Mortgage Podcast, he is also the Branch Manager and Senior Mortgage Strategist of the Martini Mortgage Group at Benchmark Mortgage which is located in Raleigh, North Carolina.

If you are currently in a starter or trade-up house that no longer fits your needs and you are looking to step into a luxury home, now may be the time to list your house for sale and make your dreams come true.

If the right thing for you and your family is to purchase a home soon, buying sooner rather than later could lead to substantial savings. Call the Martini Mortgage Group at Benchmark Mortgage so we can get together to evaluate your opportunities.

Kevin Martini | NMLS ID 143962 | Branch Manager | Martini Mortgage Group at Benchmark Mortgage | Ark-La-Tex Financial Services, LLC NMLS ID 2143 | 5650 Six Forks Road, Suite 101 Raleigh, NC 27609 | (919) 238-4934 | www.KevinMartini.com | Kevin.Martini@Benchmark.us | Equal Housing Opportunity

Episode 29 of the Martini Mortgage Podcast is about Supply and the ‘perspective’ of a Slow Down in real estate. Many headlines recently share that supply, or the inventories of home for sales, are up. Well the headline is correct! Another headline shares that Existing-Home Sales fell to the lowest level since Fall of 2015. Well this headline is correct too! Both headlines are correct however there is more to the story and you have to go beyond the headline to understand the entire story — episode 29 of the Martini Mortgage Podcast will share the whole story…not just on a macro level but also on a micro level.

In this episode of the Martini Mortgage Podcast, Kevin Martini offers an invitation to request for FREE his proprietary Real Estate Report Card that shows the heart of your local area. The Kevin Martini Real Estate Report Card includes information:

Affordability Index, Median Home Price, Historical Appreciation, Forecasted Appreciation, Total Employment, Median Household Income, and the Unemployment Rate.

Yes, the Martini Mortgage Group is located in Raleigh, North Carolina and serves not just families in the Triangle of North Carolina but also helps families from the Coast to the Mountains. Even if you are not in North Carolina, we can help— just email your request to: podcast@KevinMartini.com — be sure to denote the zip code you are interested in.

If you are currently in a starter or trade-up house that no longer fits your needs and you are looking to step into a luxury home, now is the time to list your house for sale and make your dreams come true.

If the right thing for you and your family is to purchase a home this year, buying sooner rather than later could lead to substantial savings. Call the Martini Mortgage Group at Benchmark Mortgage so we can get together to evaluate your opportunities.

Kevin Martini | NMLS ID 143962 | Branch Manager | Martini Mortgage Group at Benchmark Mortgage | Ark-La-Tex Financial Services, LLC NMLS ID 2143 | 5650 Six Forks Road, Suite 101 Raleigh, NC 27609 | (919) 238-4934 | www.KevinMartini.com | Kevin.Martini@Benchmark.us | Equal Housing Opportunity

Brian Hourigan is the featured guest of the episode 28 of the Martini Mortgage Podcast. Kevin Martini is not just the host of the Martini Mortgage Podcast…he is also the Branch Manager and Senior Mortgage Strategist of the Martini Mortgage Group which is located in Raleigh, North Carolina.

Episode 28 is a priceless candid conversation with a real estate professional that has been helping families in the Triangle of North Carolina since 2006: Brian Hourigan with Choice Residential Real Estate ( http://www.choiceresidential.com/ ).

Brian has built not just a real estate practice that is based on relationships…he has also built a real estate firm that is focused on educating Realtors to help families make their real estate dreams a reality.

If you are currently in a starter or trade-up house that no longer fits your needs and you are looking to step into a luxury home, now is the time to list your house for sale and make your dreams come true. If this is you, reach out to Brian Hourigan with Choice Residential Real Estate…his personal cell phone number is: (919) 280-3646.

If the right thing for you and your family is to purchase a home this year, buying sooner rather than later could lead to substantial savings. Call the Martini Mortgage Group at Benchmark Mortgage so we can get together to evaluate your opportunities. You can reach Kevin by calling: (919) 238-4934.

Kevin Martini | NMLS ID 143962 | Branch Manager | Martini Mortgage Group at Benchmark Mortgage | Ark-La-Tex Financial Services, LLC NMLS ID 2143 | 5650 Six Forks Road, Suite 101 Raleigh, NC 27609 | (919) 238-4934 | www.KevinMartini.com | Kevin.Martini@Benchmark.us | Equal Housing Opportunity

I fear the headline that it is more expensive to buy a home today than it has been anytime in the last 10-years is 100% but we need to go behind the headline to understand the full story. Kevin Martini, the host of the Martini Mortgage Podcast is going to do that in Episode 027!

A lot of things have happened in the last 10-years and one needs to keep on the radar that home affordability has 2 major factors: the price that one will buy a home and the cost to secure a mortgage. The headline is correct however the headline does not tell the whole story…episode 027 of the Martini Mortgage Podcast will go behind the headline and share the true story that you need to know.

Kevin Martin is the Senior Mortgage Strategist and Branch Manager of the Martini Mortgage Group at Benchmark Mortgage and has been in the financial services since the late 80’s and has focused on helping families create wealth in real estate since 2006 in Raleigh … in the Triangle of North Carolina and all over North Carolina. … from the coast to the mountains.

Regardless what city or what state you are in, the Martini Mortgage Podcast was created to simply and effectively communicate the real story about getting a home loan and buying a home.

If you or someone you know has questions about what you hear in this podcast or if you have questions about the current interest rate environment or questions about the unique home loan programs that the Martini Mortgage Group offers … simply call Kevin Martini at (919) 238-4934.

As as added resource, check out: www.MartiniMortgageGroup.com

Kevin Martini | NMLS ID 143962 | Branch Manager | Martini Mortgage Group at Benchmark Mortgage | Ark-La-Tex Financial Services, LLC NMLS ID 2143 | 5650 Six Forks Road, Suite 101 Raleigh, NC 27609 | (919) 238-4934 | www.KevinMartini.com | Kevin.Martini@Benchmark.us | Equal Housing Opportunity

Buying a home and securing a mortgage is a big thing and you have to understand the jargon or lingo. Episode 26 of the Martini Mortgage Podcast is about the mortgage lingo you need to know when getting a mortgage.

The host of the Martini Mortgage Podcast is Kevin Martini (www.KevinMartini.com) and he is also the Senior Mortgage Strategist and Branch Manager of the Martini Mortgage Group at Benchmark Mortgage which is located in Raleigh, North Carolina. The Martini Mortgage Group headquarters may be in the capital city of North Carolina; Raleigh however, they serve families all over the state of North Carolina.

‘I believe that that one needs to know before they owe’, said Kevin Martini in episode 26 of the Martini Mortgage Podcast. Securing a mortgage is a big thing and it is critical that you understand the lingo and that your mortgage strategist has a working knowledge of your short and long-term goals.

For more information about buying a home and securing a mortgage check out www.MartiniMortgageGroup.com for cutting edge content abbot the process of getting a home loan. Also check out Kevin Martini on Instagram ( https://www.instagram.com/kevinmartinilive/?hl=en ) @KevinMartiniLive

Kevin Martini | NMLS ID 143962 | Branch Manager | Martini Mortgage Group at Benchmark Mortgage | Ark-La-Tex Financial Services, LLC NMLS ID 2143 | 5650 Six Forks Road, Suite 101 Raleigh, NC 27609 | (919) 238-4934 | www.KevinMartini.com | Kevin.Martini@Benchmark.us | Equal Housing Opportunity

Right now there is a ton of confusion for someone that is thinking of buying a home & why not, it appears things are slowing down, but is it? Kevin Martini is not just the host of the Martini Mortgage Podcast…Kevin Martin is the Senior Mortgage Strategist and Branch Manager of the Martini Mortgage Group at Benchmark Mortgage - episode 25 is called ‘Confusion’.

Has the homebuyer disappeared? NOPE! One could make an argument that buyer demand is softening if they looked at sales however there is not enough product to sell — that is the real story. Foot Traffic, which is a leading indicator of future sales is up every month in 2018 as compared to 2017. It still remains a competitive market here in Raleigh, NC an the entire Triangle of North Carolina but there are there things one can do to make there offer more competitive. These secret strategies are shared in episode 25 of the Martini Mortgage Podcast.

Seller in this market or any real estate market for that matter want a homebuyer to be working with a trusted local mortgage strategist and the online reviews of that person are required. Home sellers do not want to see a qualification letter and they do not want to see a letter from an internet lender — they want a homebuyer to communicate they are not just ready and willing, they need to see they are able. In episode 25 of the Martini Mortgage Podcast, Kevin Martini discuss the ‘better-than-cash’ approval.

If you or some you know wants mortgage help, the Martini Mortgage Group at Benchmark Mortgage is here. If you have questions about home loan rates or about the unique mortgage products offered by Kevin Martini and the Martini Mortgage Group at Benchmark Mortgage then give us a call at: (919) 238-4934.

Enjoy the 25th episode of the Martini Mortgage Podcast and please leave a comment and share.

Kevin Martini | NMLS ID 143962 | Branch Manager | Martini Mortgage Group at Benchmark Mortgage | Ark-La-Tex Financial Services, LLC NMLS ID 2143 | 5650 Six Forks Road, Suite 101 Raleigh, NC 27609 | (919) 238-4934 | www.KevinMartini.com | Kevin.Martini@Benchmark.us | Equal Housing Opportunity

Kevin Martini is the Senior Mortgage Strategist, Branch Manager and you host of the Martini Mortgage Podcast…this is episode 024 - the cost of not paying Private Mortgage Insurance (PMI).

For many, saving for a downpayment is the biggest hurdle and many take a detour from buying a home because of they feel they do not have enough down payment. There is a common myth that a 20% down payment is needed to secure a mortgage — this myth is busted with the Martini Mortgage Group at Benchmark Mortgage. So…if one can purchase a home and secure a home loan with less than a 20% down payment, why aren’t more people doing this? Kevin Martini discusses this ‘why’ in episode 024 of the Martini Mortgage Podcast: The Cost of Not paying PMI’.

In the Fall 2018 edition of the Kevin Martini Homebuyer Guide which is called: ‘Things to Consider When Buying a Home’ there is an amazing article on page 12 called: You Do Not Need 20% Down To Buy Your Home! In addition, there are is over a dozen of articles that cover important home buying topics such as: what is happening in the housing market, what you need to know before you buy a home and what to expect when buying a home. You can get frees access to the Kevin Martini Fall 2018 Homebuyer Guide by going to www.MartiniBuyerGuide.com

If it is right for you and your family to purchase a home this year in Raleigh or in the Triangle of North Carolina or anywhere in North Carolina for that matter…buying sooner rather than later could lead to substantial savings.

If you have or someone you know has questions about the current Raleigh mortgage interest rates environment or about the unique home loan programs offered by the Martini Mortgage Group at Benchmark Mortgage than give Kevin Martini a call at (919) 238-4934 for trusted confidential mortgage advice with a stress-free process.

Kevin Martini | NMLS ID 143962 | Branch Manager | Martini Mortgage Group at Benchmark Mortgage | Ark-La-Tex Financial Services, LLC NMLS ID 2143 | 5650 Six Forks Road, Suite 101 Raleigh, NC 27609 | (919) 238-4934 | www.KevinMartini.com | Kevin.Martini@Benchmark.us | Equal Housing Opportunity

Check us out on Instagram: @KevinMartiniLive

Kevin Martini shares some of his favorite Raleigh Rooftop Restaurants in episode 023 of the Martini Mortgage Podcast.

Kevin Martini is the host of the Martini Mortgage Podcast and a trusted Raleigh mortgage lender with the Martini Mortgage Group at Benchmark Mortgage.and he loves living in Raleigh, North Carolina. Episode 023, is all about some of Kevin Martini’s favorite Raleigh Rooftop Restaurants.

If you or someone you know wants trusted mortgage advice from someone that has experience and a proven track record of helping families, Kevin Martini, the Senior Mortgage Strategist and Branch Manager of the Martini Mortgage Group at Benchmark Mortgage can help.

Enjoy episode 023 of the Martini Mortgage Podcast and thank you for tuning and for leaving a comment.

Kevin Martini | NMLS ID 143962 | Branch Manager | Martini Mortgage Group at Benchmark Mortgage | Ark-La-Tex Financial Services, LLC NMLS ID 2143 | 5650 Six Forks Road, Suite 101 Raleigh, NC 27609 | (919) 238-4934 | www.KevinMartini.com | Kevin.Martini@Benchmark.us | Equal Housing Opportunity

Kevin Martini shares 4 reason to buy a home this fall in episode 022 of the Martini Mortgage Podcast.

Kevin Martini is the host of the Martini Mortgage Podcast and a trusted Raleigh mortgage lender with the Martini Mortgage Group at Benchmark Mortgage. In episode 022, the 4 reason to buy a home this fall are discussed.

Is buying home right for you and your family? The only one that knows is you! The first step in the process is to learn the facts and do not believe the myths.

On the topic of facts, CoreLogic released a powerful report called the Home Price index report and it shares where home prices have been and where home prices are going. Fannie Mae, Freddie Mac, Mortgage Bankers Association and the National Association of Realtors all are in sync with the direction of mortgage rates. Do you know where home prices are going? Do you know where mortgage rates are headed? Episode 22 of the Martini Mortgage Podcast will share what these trusted resources are sharing.

Step one, before looking for a home to buy online is to reach out to a mortgage strategist that will understand your needs and your wants. The mortgage strategists needs to understand your short-term and long-term family goals since a mortgage is a financial instruments and a big commitment. This is what Kevin Martini does.

If you or someone you know wants trusted mortgage advice from someone that has experience and a proven track record of helping families, Kevin Martini, the Senior Mortgage Strategist and Branch Manager of the Martini Mortgage Group at Benchmark Mortgage can help.

Enjoy episode 022 of the Martini Mortgage Podcast and thank you for tuning and for leaving a comment.

Kevin Martini | NMLS ID 143962 | Branch Manager | Martini Mortgage Group at Benchmark Mortgage | Ark-La-Tex Financial Services, LLC NMLS ID 2143 | 5650 Six Forks Road, Suite 101 Raleigh, NC 27609 | (919) 238-4934 | www.KevinMartini.com | Kevin.Martini@Benchmark.us | Equal Housing Opportunity

Kevin Martini is the host of the Martini Mortgage Podcast and a trusted Raleigh mortgage lender, with the Martini Mortgage Group at Benchmark Mortgage. In episode 021, the release of the Fall 2018 Homebuyer Guide is discussed. This homebuyer guide simply and effectively communicates the current opportunity… if you are buying a home, if you are selling a home, if you are in the real estate arena then the Fall 2018 Edition of the ‘Things to Consider When Buying a Home’ is a must read.

What you need to know before you buy a home is covered in the Kevin Martini Homebuyer Guide. What is happening in the housing market right now is covered in the Kevin Martini Fall 2018 Edition of ‘Things to Consider When Buying a Home. Kevin Martini goes into great detail on what to expect when you buy a home and there is more!

Free access to the homebuyer guide called: ‘Things to Consider When Buying a Home’ can be accessed bu going to www.MartinBuyerGuide.com

“I believe every family should feel confident when buying a home, that is why I create ‘Things to Consider When Buying a Home’ every season” ~ Kevin Martini

Enjoy episode 21 of the Martini Mortgage Podcast and if you or someone you know has questions about buying a home, selling a house, the current mortgage rate environment or questions about the unique home loan products offered by Kevin Martin with the Martini Mortgage Group at Benchmark Mortgage then give us a call, it would be our pleasure to help.

Kevin Martini | NMLS ID 143962 | Branch Manager | Martini Mortgage Group at Benchmark Mortgage | Ark-La-Tex Financial Services, LLC NMLS ID 2143 | 5650 Six Forks Road, Suite 101 Raleigh, NC 27609 | (919) 238-4934 | www.KevinMartini.com | Kevin.Martini@Benchmark.us | Equal Housing Opportunity

Kevin Martini is not just your host of the Martini Mortgage Podcast but he is also a Mortgage Strategist and Branch Manager of the Martini Mortgage Group at Benchmark Mortgage. This is the ‘China’ episode — for more information on why it is called the China episode, tune in!

Being released this week in the social media world is is ‘Kevin Martini Live’ — we call this a micro channel in the social media arena. One can catch these 1 to 2 to 3 minute vignettes on Facebook or Instagram or LinkedIn or Google Plus or YouTube on or by visiting www.KevinMartiniLive.com

Right now, there will be 2 series published and more will be coming…series one is Behind the Scenes with Mortgage Strategist Kevin Martini and series two is Unplugged with Mortgage Strategist Kevin Martini. In this micro channel we will share burst of information that if you are thinking of buying or selling a home you will need to know. We are most excited about the unplugged series since you really never know what you are going to get.

To visit Kevin Martini Live on Instagram go to: https://www.instagram.com/kevinmartinilive/ or @KevinMartiniLive.

To visit Kevin Martini Live on YouTube then go to www.MartiniTV.com & to visit on the web then, simply go to www.KevinMartiniLive.com

If you are currently in a starter or trade-up house that no longer fits your needs and you are looking to step into a luxury home, now is the time to list your house for sale and make your dreams come true.

If the right thing for you and your family is to purchase a home this year, buying sooner rather than later could lead to substantial savings. Call the Martini Mortgage Group at Benchmark Mortgage so we can get together to evaluate your opportunities.

Kevin Martini | NMLS ID 143962 | Branch Manager | Martini Mortgage Group at Benchmark Mortgage | Ark-La-Tex Financial Services, LLC NMLS ID 2143 | 5650 Six Forks Road, Suite 101 Raleigh, NC 27609 | (919) 238-4934 | www.KevinMartini.com | Kevin.Martini@Benchmark.us | Equal Housing Opportunity

Home for the Martini Mortgage Group at Benchmark Mortgage is Raleigh, North Carolina. The Martini Mortgage Podcast is record in Raleigh, North Carolina and Raleigh is located in Wake County. Episode 019 of the Martini Mortgage Podcast is all about Wake County.

How many people live in Wake County? How many municipalities are there is Wake County? How big is Wake County Public School System and how does it rank on a national level? What is the county seat of Wake County? How many people move to Wake County every day? WOW, so many questions and they are all answered in episode 019 of the Martini Mortgage Podcast.

Your host, Kevin Martini will be sharing some random thoughts you need to know about Wake County, North Carolina. Kevin Martini is the Branch Manager and Senior Mortgage Strategist with the Martini Mortgage Group at Benchmark Mortgage.

Kevin Martini | NMLS ID 143962 | Branch Manager | Martini Mortgage Group at Benchmark Mortgage | Ark-La-Tex Financial Services, LLC NMLS ID 2143 | 5650 Six Forks Road, Suite 101 Raleigh, NC 27609 | (919) 238-4934 | www.KevinMartini.com | Kevin.Martini@Benchmark.us | Equal Housing Opportunity

One could say that, episode 018 of the Martini Mortgage Podcast is atypical from its typical format and they would be right! Your host, Kevin Martini will be sharing some random thoughts you need to know. Kevin Martini is the Branch Manager and Senior Mortgage Strategist with the Martini Mortgage Group at Benchmark Mortgage.

On the Martini Mortgage Group there are 2 millennial mortgage strategists: The older millennial mortgage strategist is Alex Martini (www.AlexanderMartini.com) & the younger millennial mortgage strategist is Logan Martini (www.LoganMartini.com) and Kevin Martini clearly shares, very colorfully, his pride of these 2 millennials.

And there is more...this episode highlights the Logan Martini Home Buyer Guide called: Things to Consider When Buying a Home. You can get free access to this Home Buyer Guide by going to www.LoganBuyerGuide.com

Kevin Martini | NMLS ID 143962 | Branch Manager | Martini Mortgage Group at Benchmark Mortgage | Ark-La-Tex Financial Services, LLC NMLS ID 2143 | 5650 Six Forks Road, Suite 101 Raleigh, NC 27609 | (919) 238-4934 | www.KevinMartini.com | Kevin.Martini@Benchmark.us | Equal Housing Opportunity

Alex Martini | NMLS ID 1523540 | Mortgage Planner | Martini Mortgage Group at Benchmark Mortgage | Ark-La-Tex Financial Services, LLC NMLS ID 2143 | 5650 Six Forks Road, Suite 101 Raleigh, NC 27609 | (919) 238-4934 | www.AlexanderMartini.com | Alex.Martini@Benchmark.us | Equal Housing Opportunity

Logan Martini | NMLS ID 1591485 | Mortgage Planner | Martini Mortgage Group at Benchmark Mortgage | Ark-La-Tex Financial Services, LLC NMLS ID 2143 | 5650 Six Forks Road, Suite 101 Raleigh, NC 27609 | (919) 238-4934 | www.LoganMartini.com | Logan.Martini@Benchmark.us | Equal Housing Opportunity

Kevin Martini is a Raleigh mortgage lender with the Martini Mortgage Group at Benchmark Mortgage and the host of the Martini Mortgage Podcast. Episode 17 of the Martini Mortgage Podcast is about a Boomerang Buyer.

Kevin Martini defines a Boomerang Buyer as one that had a negative credit event that was associated with a mortgage. For example they may have had a short-sale or a foreclosure or they may have had a bankruptcy and now the time bar from this negative event has passed and the path is clear for them to secure a mortgage again.

Raleigh mortgage strategist, Logan Martini, published an amazing article on this topic and it can be found by visiting: www.MartiniMortgageGroup.com

For trusted mortgage home loan advice call the Martini Mortgage Group at Benchmark Mortgage which is located in Raleigh, NC. Enjoy the show and thank you in advance for subscribing and leaving your positive feedback.

Kevin Martini | NMLS ID 143962 | Branch Manager | Martini Mortgage Group at Benchmark Mortgage | Ark-La-Tex Financial Services, LLC NMLS ID 2143 | 5650 Six Forks Road, Suite 101 Raleigh, NC 27609 | (919) 238-4934 | www.KevinMartini.com | kevin.Martini@Benchmark.us | Equal Housing Opportunity

Kevin Martini is a Raleigh mortgage lender with the Martini Mortgage Group at Benchmark Mortgage and this is episode 016 of the Martini Mortgage Podcast - The Martini Angle (August 2018).

The Martini Angle is a comprehensive walkthrough of the most up-to-date information regarding the real estate market and other information that one in the real estate arena either as a consumer or a professional needs to know.

For trusted mortgage home loan advice call the Martini Mortgage Group at Benchmark Mortgage which is located in Raleigh, NC. Enjoy the show and thank you in advance for subscribing and leaving your positive feedback.

Kevin Martini | NMLS ID 143962 | Branch Manager | Martini Mortgage Group at Benchmark Mortgage | Ark-La-Tex Financial Services, LLC NMLS ID 2143 | 5650 Six Forks Road, Suite 101 Raleigh, NC 27609 | (919) 238-4934 | www.KevinMartini.com | kevin.Martini@Benchmark.us | Equal Housing Opportunity

Kevin Martini is a Raleigh mortgage lender with the Martini Mortgage Group at Benchmark Mortgage and in episode 015 of the Martini Mortgage Podcast he discusses how long a home home.

In episode 014 of the Martini Mortgage Podcast, Kevin Martini looked at buying versus selling math. In this episode, we will look at data from 2018 Home Buyer and Seller Generational Trends Report which is published by the National Association of Realtors® on how long someone intends to stay in a home they purchase.

For trusted mortgage home loan advice call the Martini Mortgage Group at Benchmark Mortgage which is located in Raleigh, NC.

Enjoy the show and thank you in advance for subscribing and leaving your positive feedback.

Kevin Martini | NMLS ID 143962 | Branch Manager | Martini Mortgage Group at Benchmark Mortgage | Ark-La-Tex Financial Services, LLC NMLS ID 2143 | 5650 Six Forks Road, Suite 101 Raleigh, NC 27609 | (919) 238-4934 | www.KevinMartini.com | kevin.Martini@Benchmark.us | Equal Housing Opportunity

Kevin Martini is a Raleigh mortgage lender with the Martini Mortgage Group at Benchmark Mortgage and he believes, you have to have a roof over your head and you have two options for that roof. Do you rent the roof over your head or do you own that roof over your head?

Each option has benefits and costs. In episode 14 of the Martini Mortgage Podcast Kevin Martini will do the math.

For trusted mortgage home loan advice call the Martini Mortgage Group at Benchmark Mortgage.

Enjoy the show and thank you in advance for subscribing and leaving your positive feedback.

Kevin Martini | NMLS ID 143962 | Branch Manager | Martini Mortgage Group at Benchmark Mortgage | Ark-La-Tex Financial Services, LLC NMLS ID 2143 | 5650 Six Forks Road, Suite 101 Raleigh, NC 27609 | (919) 238-4934 | www.KevinMartini.com | kevin.Martini@Benchmark.us | Equal Housing Opportunity

If you are concerned about protecting your good credit profile you could consider credit monitoring but it is the opinion of Kevin Martini with the Martini Mortgage Group at Benchmark Mortgage that the only real way to protect yourself from those mega data breaches you hear about on the news or preventing someone from gaining access to your credit without your permission is a Credit Freeze.

Episode 13 of the Martini Mortgage Podcast, mortgage strategist Kevin Martini breaks down what you need to know about the Credit Freeze.

For trusted mortgage home loan advice, tune in and call the Martini Mortgage Group at Benchmark Mortgage.

Enjoy the show and thank you in advance for subscribing and leaving your positive feedback.

Kevin Martini | NMLS ID 143962 | Branch Manager | Martini Mortgage Group at Benchmark Mortgage | Ark-La-Tex Financial Services, LLC NMLS ID 2143 | 5650 Six Forks Road, Suite 101 Raleigh, NC 27609 | (919) 238-4934 | www.KevinMartini.com | kevin.Martini@Benchmark.us | Equal Housing Opportunity

The Trusted Raleigh mortgage lenders at the Martini Mortgage Group at Benchmark Mortgage produce a monthly segment called: 'The Martini Angle' -- comprehensive walkthrough of the most up-to-date information. Episode 12 of the Martini Mortgage Podcast is the July 2018 Edition of the Martini Angle.

This month Kevin Martini, Branch Manager & Mortgage Strategist, will be talking about a headline that has caused some fear to home owners, home buyers and folks that are in the real estate arena. The fear is RECESSION! Recession does not mean housing crisis...now no one truly knows when a recession will hit the U.S. economy however when it rears its head it is part of the natural cycle and most importantly it does NOT mean housing crisis.

For more information on buying or selling real estate and information on getting a home loan check out www.MartiniMortgageGroup.com while at our very informative website be sure to check out the article on 'Things to Consider When Buying a Home' - I believe it simply and effectively communicates the current opportunity. For FREE and instant access simply go www.MartiniBuyerGuide.com

For trusted mortgage home loan advice, tune in and call the Martini Mortgage Group at Benchmark Mortgage.

Enjoy the show and thank you in advance for subscribing and leaving your positive feedback.

Kevin Martini | NMLS ID 143962 | Branch Manager | Martini Mortgage Group at Benchmark Mortgage | Ark-La-Tex Financial Services, LLC NMLS ID 2143 | 5650 Six Forks Road, Suite 101 Raleigh, NC 27609 | (919) 238-4934 | www.KevinMartini.com | kevin.Martini@Benchmark.us | Equal Housing Opportunity

Trusted Raleigh mortgage lender, Kevin Martini with the Martini Mortgage Group at Benchmark Mortgage, hosts episode 1 of the Martini Mortgage Podcast...this episode is about 'What Drives Mortgage Rates'

A lot of families we work with wonder what makes home loan rates go up or down -- do you know what drives Raleigh mortgage rates?

For more information on buying or selling real estate and information on getting a home loan check out www.MartiniMortgageGroup.com while at our very informative website be sure to check out the article on 'Things to Consider When Buying a Home' - I believe it simply and effectively communicates the current opportunity. For FREE and instant access simply go www.MartiniBuyerGuide.com

For trusted mortgage home loan advice, tune in and call the Martini Mortgage Group at Benchmark Mortgage.

Enjoy the show and thank you in advance for subscribing and leaving your positive feedback.

Kevin Martini | NMLS ID 143962 | Branch Manager | Martini Mortgage Group at Benchmark Mortgage | Ark-La-Tex Financial Services, LLC NMLS ID 2143 | 5650 Six Forks Road, Suite 101 Raleigh, NC 27609 | (919) 238-4934 | www.KevinMartini.com | kevin.Martini@Benchmark.us | Equal Housing Opportunity

Trusted Raleigh mortgage lender, Kevin Martini with the Martini Mortgage Group at Benchmark Mortgage, hosts episode 10 of the Martini Mortgage Podcast...this episode is about the "MUST-HAVES" | "SHOULD-HAVES" | "ABSOLUTE WISH LIST"

So, you are starting to look for a home. There is no question that looking for a home today is materially different than when our parents purchased their first home and heck, it is very different from when I purchased my first home.

The process may have shifted and become more automated however today there are some old schools technics that my wife and I created that are timeless in today's digital world.

For more information on buying or selling real estate and information on getting a home loan check out www.MartiniMortgageGroup.com while at our very informative website be sure to check out the article on 'Things to Consider When Buying a Home' - I believe it simply and effectively communicates the current opportunity. For FREE and instant access simply go www.MartiniBuyerGuide.com

For trusted mortgage home loan advice, tune in and call the Martini Mortgage Group at Benchmark Mortgage.

Enjoy the show and thank you in advance for subscribing and leaving your positive feedback.

Kevin Martini | NMLS ID 143962 | Branch Manager | Martini Mortgage Group at Benchmark Mortgage | Ark-La-Tex Financial Services, LLC NMLS ID 2143 | 5650 Six Forks Road, Suite 101 Raleigh, NC 27609 | (919) 238-4934 | www.KevinMartini.com | kevin.Martini@Benchmark.us | Equal Housing Opportunity

Trusted Raleigh mortgage lender, Kevin Martini with the Martini Mortgage Group at Benchmark Mortgage, hosts episode 9 of the Martini Mortgage Podcast...this episode is all about the 8 benefits to owning a home.

June is National Homeownership Month however Kevin Martini believes that every month is a celebration of homeownership.

For more information on 'Things to Consider When Buying a Home' check out Kevin Martini's Summer 2018 Home Buyer Guide.

For FREE and instant access simply go www.MartiniBuyerGuide.com

For trusted mortgage home loan advice, tune in and call the Martini Mortgage Group at Benchmark Mortgage.

Enjoy the show and thank you in advance for subscribing and leaving your positive feedback.

Kevin Martini | NMLS ID 143962 | Branch Manager | Martini Mortgage Group at Benchmark Mortgage | Ark-La-Tex Financial Services, LLC NMLS ID 2143 | 5650 Six Forks Road, Suite 101 Raleigh, NC 27609 | (919) 238-4934 | www.KevinMartini.com | kevin.Martini@Benchmark.us | Equal Housing Opportunity

Trusted Raleigh mortgage lender, Kevin Martini with the Martini Mortgage Group at Benchmark Mortgage hosts episode 8 of the Martini Mortgage Podcast...this episode is all about things to consider when buying a home.

Just released is the Kevin Martini Things to Consider when Buying a Home...this 20+ page Home Buyer Guide simply and effectively communicates the current market opportunity.

For FREE and instant access simply go www.MartiniBuyerGuide.com

For trusted mortgage home loan advice, tune in and call the Martini Mortgage Group at Benchmark Mortgage.

Enjoy the show and thank you in advance for subscribing and leaving your positive feedback.

Kevin Martini | NMLS ID 143962 | Branch Manager | Martini Mortgage Group at Benchmark Mortgage | Ark-La-Tex Financial Services, LLC NMLS ID 2143 | 5650 Six Forks Road, Suite 101 Raleigh, NC 27609 | (919) 238-4934 | www.KevinMartini.com | kevin.Martini@Benchmark.us | Equal Housing Opportunity

Kevin Martini is a trusted Raleigh mortgage lender with the Martini Mortgage Group at Benchmark Mortgage. Kevin hosts episode 7 of the Martini Mortgage Podcast | Things a millennial needs to know about buying a home.

Millennials represent the largest segment of the U.S. population and many people stereotype this generation and there are a ton of myths about this generation and I really do not know why.

Enjoy, share and thank you in advance for leaving a 5 Star review on iTunes.

If you are currently in a starter or trade-up house that no longer fits your needs and you are looking to step into a luxury home, now is the time to list your house for sale and make your dreams come true.

If the right thing for you and your family is to purchase a home this year, buying sooner rather than later could lead to substantial savings. Call the Martini Mortgage Group at Benchmark Mortgage so we can get together to evaluate your opportunities.

Kevin Martini | NMLS ID 143962 | Branch Manager | Martini Mortgage Group at Benchmark Mortgage | Ark-La-Tex Financial Services, LLC NMLS ID 2143 | 5650 Six Forks Road, Suite 101 Raleigh, NC 27609 | (919) 238-4934 | www.KevinMartini.com | kevin.Martini@Benchmark.us | Equal Housing Opportunity

Kevin Martini is a Raleigh mortgage lender with the Martini Mortgage Group at Benchmark Mortgage. Kevin hosts episode 006 of the Martini Mortgage Podcast | 5 Financial Reasons to Buy a Home. Let me share the #MartinFactor talking points:

#MartiniFactor talking point #1, housing is one of the only leveraged investments still available today.

#MartiniFactor talking point #2, when you rent you are paying for a mortgage, you are just paying your landlord’s mortgage for them.

#MartiniFactor talking point #3, owning a home I usually a form of forced savings.

#MartiniFactor talking point #4, there may be substantial tax benefits to owning a home and having a mortgage.

#MartiniFactor talking point #5, owning a home is typically a hedge against inflation.

Enjoy & share & thank you in advance for leaving a 5 Star review on iTunes.

Kevin Martini | NMLS ID 143962 | Branch Manager | Martini Mortgage Group at Benchmark Mortgage | Ark-La-Tex Financial Services, LLC NMLS ID 2143 | 5650 Six Forks Road, Suite 101 Raleigh, NC 27609 | (919) 238-4934 | www.MartiniMortgageGroup.com | kevin.Martini@Benchmark.us | Equal Housing Opportunity

Kevin Martini with the Martini Mortgage Group at Benchmark Mortgage hosts episode 005 of the Martini Mortgage Podcast | 3 Tips for making a First-Time Home Purchase go Smoothly. These 3 tips can be summarized as: 1) do NOT just be ready & willing 2) understand expectation and timelines 3) know the provisions.

For trusted mortgage home loan advice, tune in and call the Martini Mortgage Group at Benchmark Mortgage.

Enjoy the show and thank you in advance for subscribing and leaving your positive feedback.

Martini Mortgage Podcast Episode 004 is the Kevin Martini Market Perspective. This special edition was recorded live and on the day that mortgage home loan rates jumped to a 7-Year high according to data from Freddie Mac.

The Martini Mortgage Group at benchmark mortgage right now is monitoring the 10-Year Treasury -- listen, learn and enjoy.

Thank you in advance for subscribing to the the show and for your positive feedback.

Martini Mortgage Podcast Episode 003 is a snap-shot of the Martini Angle which is a a comprehensive look at the real estate and mortgage markets by Kevin Martini. In the May 2018 edition, Kevin Martini, a mortgage strategist and founder of the Martini Mortgage Group at Benchmark Mortgage will share data about the first quarter of 2018 and discuss: Change in Price, Total Home Sales, Percent Change in Price, Buyer Traffic, information on the home loan rate environment and more.

Enjoy this episode and thank you in advance for subscribing and commenting on the show!

Oh by the way, if you or someone you know has questions about mortgage rates or home loan products -- just give us a call at (919) 238-4934 or check out our website: www.MartiniMortgageGroup.com

Episode 002 of the Martini Mortgage Podcast is about not only the 4 Common Homebuyer Questions but also the answers to the 4 Common Home Buyer Questions. Kevin Martini, the founder of the Martini Mortgage Group, believes there is a difference between what you want to pay every month and what you can afford to pay. It is critical that you have price and cost clarity before you go searching for the perfect place to call home. Kevin Martini | NMLS ID 143962 | Branch Manager | Martini Mortgage Group at Benchmark Mortgage | Ark-La-Tex Financial Services, LLC NMLS ID 2143 | 5650 Six Forks Road, Suite 101 Raleigh, NC 27609 | (919) 238-4934 | www.KevinMartini.com | kevin.Martini@Benchmark.us | Equal Housing Opportunity

Many are thinking of buying a home in Raleigh and are wondering if they should wait until next year to buy a home instead of doing it now. Perhaps you are one of those folks? If that is the case, Episode 001 of the Martini Experience, is perfect for you to listen to . Kevin Martini, the founder and lead mortgage strategist with the Martini Mortgage Group will be sharing the difference between cost vs price. If you are a home seller, you should be most concerned about ‘short-term price’ - in other words, where home values are headed over the next six months. Now if you are a home buyers, you must not be concerned about price but instead, about the ‘long-term cost’ of the home. Kevin Martini | NMLS ID 143962 | Branch Manager | Martini Mortgage Group at Benchmark Mortgage | Ark-La-Tex Financial Services, LLC NMLS ID 2143 | 5650 Six Forks Road, Suite 101 Raleigh, NC 27609 | (919) 238-4934 | www.KevinMartini.com | kevin.Martini@Benchmark.us | Equal Housing Opportunity