Martini Mortgage Podcast

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

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 L

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 | Mar

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 Rale

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.MartiniMortgageGro

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.

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,

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.Mar

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 Rale