Martini Mortgage Podcast

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...

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 o...

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...

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 Ser...

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 mort...

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 editio...

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 exp...

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 |...

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 Benchma...

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 "...

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 Mortg...

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 |...

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...

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 Realto...

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 Mar...

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: Kevi...

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 Buyin...

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 B aby 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...

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 allocate...

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 bet...

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 surpri...

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 speculatio...

Con gra tul a tions! You have started the home buying process and have your mortgage approval or y o u ' v e found a home t o buy and h av e applied for a mo r t gage! It is exciting and undoub t edly your e x ci t ed about the oppo r tuni t y t o de c o rat e y our new home, but befo r e y ou make any large pu r chases, m o v e your money a r oun d , or make any big-time life changes, c onsult wi...

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 Martin...

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 epis...