Martini Mortgage Podcast

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.”