Martini Mortgage Podcast

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...

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 Mor...

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 w...

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 | Certifi...

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 e...

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...

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 bro...

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 conjunc...

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, Cert...

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 Est...

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 apprec...

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...

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...

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 imp...

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 spe...

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 Mortg...

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...

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 B...

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...

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 m...

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 Marti...

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...

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...

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...

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 Mort...