Martini Mortgage Podcast

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

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.Ma

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

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 P

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@Kevi

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