194 episodes

Certified Mortgage Advisor and Raleigh mortgage broker Kevin Martini has been an innovator in transforming the way that the consumer looks at their mortgage lending relationship. Since 2006, Kevin Martini and his Group of talented mortgage professionals have provided a level of value to the families that is not common in the mortgage business.

The Martini Mortgage Podcast is curated to simply and effectively communicate current opportunities and challenges in the real estate and mortgage arena that not just homebuyers and homeowners need to know but also Realtor need to know.

Enjoy :)

Kevin Martini | NMLS 143962 | Certified Mortgage Advisor | Martini Mortgage Group at Gold Star Mortgage Financial Group, Corporation | NMLS # 3446 | 507 N Blount St, Raleigh, NC 27604 | (919) 238-4934 | www.MartiniMortgageGroup.com | Kevin@MartiniMortgageGroup.com | Equal Housing Lender

Martini Mortgage Podcast Kevin Martini

    • Business
    • 4.2 • 5 Ratings

Certified Mortgage Advisor and Raleigh mortgage broker Kevin Martini has been an innovator in transforming the way that the consumer looks at their mortgage lending relationship. Since 2006, Kevin Martini and his Group of talented mortgage professionals have provided a level of value to the families that is not common in the mortgage business.

The Martini Mortgage Podcast is curated to simply and effectively communicate current opportunities and challenges in the real estate and mortgage arena that not just homebuyers and homeowners need to know but also Realtor need to know.

Enjoy :)

Kevin Martini | NMLS 143962 | Certified Mortgage Advisor | Martini Mortgage Group at Gold Star Mortgage Financial Group, Corporation | NMLS # 3446 | 507 N Blount St, Raleigh, NC 27604 | (919) 238-4934 | www.MartiniMortgageGroup.com | Kevin@MartiniMortgageGroup.com | Equal Housing Lender

    4, 5, 6 Real Estate Forecast for 2024

    4, 5, 6 Real Estate Forecast for 2024

    In this episode of the Martini Mortgage Podcast, Certified Mortgage Advisor and Raleigh Mortgage Broker Kevin Martini shares his 2024 real estate forecast which is data-driven over sensational headlines. Dubbed the "4, 5, 6 forecast," Martini outlines his moderate yet realistic predictions for the real estate market in 2024.

    Key Predictions:
    Home Appreciation: Predicted at 4% for 2024. Home Sales: Forecasting 5 million homes to be sold in 2024. Mortgage Rates: Anticipating rates to stabilize around 6%.
    In-Depth Analysis:

    Mortgage Rates: Reflection on the unexpected spike in mortgage rates in 2023 and the current trend towards mid 6% rates. Discussion includes factors influencing these changes, like inflation and Federal Reserve policies.

    Market Predictions: Martini addresses the potential conservative nature of his 6% rate prediction, the challenges in timing the market, and the future refinancing opportunities.
    Home Sales: Insight into the predicted increase in home sales in 2024, driven by life events, lower mortgage rates, and increased affordability. Martini also touches on the impact of existing homeowners feeling more comfortable moving up.

    Home Price Appreciation: A deep dive into the 4% home price appreciation prediction for 2024, referencing various sources like the CoreLogic S&P Case-Shiller Index and the Home Price Expectation Survey.
    Kevin Martini | NMLS 143962 | Certified Mortgage Advisor | Martini Mortgage Group at Gold Star Mortgage Financial Group, Corporation | NMLS # 3446 | 507 N Blount St, Raleigh, NC 27604 | (919) 238-4934 | www.MartiniMortgageGroup.com | Kevin@MartiniMortgageGroup.com | Equal Housing Lender

    • 11 min
    Marry the House, Date the Rate: Navigating the Real Estate High Tide

    Marry the House, Date the Rate: Navigating the Real Estate High Tide

    Certified Mortgage Advisor and Raleigh Mortgage Broker Kevin Martini, hosts a special episode of the Martini Mortgage Podcast titled "Marry the House, Date the Rate: Navigating the Real Estate High Tide.” Kevin explores the popular real estate advice of committing to a home while being flexible with mortgage rates, especially in today's unpredictable market.
    Key Topics Discussed:
    Current Housing Crisis and Demand: An examination of the U.S. housing shortage, with insights from the National Association of Realtors. Understanding the gap between demand and supply and its impact on home prices.
    Mortgage Rate Trends: Analysis of historical and current mortgage rates, emphasizing the potential benefits of refinancing in a fluctuating rate environment.
    Strategy for Today’s Homebuyers: Discussing the wisdom behind "marry the house, date the rate," and how this approach can benefit homebuyers in the current market. The emphasis on securing a home at today's prices and refinancing when rates are more favorable.
    Buydown Strategy Explained: Introducing the 'buy down' strategy as a way to secure lower rates in the initial phase of a mortgage, effectively getting 'tomorrow’s rate today.'
    Personalized Mortgage Guidance: Emphasizing the importance of understanding individual options in home buying and mortgage strategies. Offering personal advice and assistance to listeners.
    Takeaways:
    Market Predictions: Insights from market experts on the future of home values and mortgage rates.
    Customized Homeownership Strategies: Encouraging listeners to explore their options, with a reminder of the significance of homeownership and the importance of being informed.

    This episode of the Martini Mortgage Podcast offers a blend of expert advice, market analysis, and practical strategies for navigating the real estate market's current challenges and opportunities.

    Kevin Martini | NMLS 143962 | Certified Mortgage Advisor | Martini Mortgage Group at Gold Star Mortgage Financial Group, Corporation | NMLS # 3446 | 507 N Blount St, Raleigh, NC 27604 | (919) 238-4934 | www.MartiniMortgageGroup.com | Kevin@MartiniMortgageGroup.com | Equal Housing Lender

    • 10 min
    Feel Locked Out?

    Feel Locked Out?

    In this special micro episode, Certified Mortgage Advisor and Raleigh Mortgage Broker Kevin Martini dives into the challenges many face in the current housing market. While acknowledging today's higher mortgage rates, Kevin provides historical context, reminding listeners of the 18.63% rate in 1981. 
    Kevin introduces strategies like temporary interest rate buydowns and the option to pay points, emphasizing the cyclical nature of mortgage rates. Kevin also highlights the Martini Mortgage Group's unique no-down payment FHA home loan and other affordable lending programs. With a potential rise in home values and the risk of being priced out, he encourages listeners to consider buying now.
    Kevin Martini | NMLS 143962 | Certified Mortgage Advisor | Martini Mortgage Group at Gold Star Mortgage Financial Group, Corporation | NMLS # 3446 | 507 N Blount St, Raleigh, NC 27604 | (919) 238-4934 | www.MartiniMortgageGroup.com | Kevin@MartiniMortgageGroup.com | Equal Housing Lender
     

    • 9 min
    Affordability, Inventory, and Student Loan Debt

    Affordability, Inventory, and Student Loan Debt

    In episode 192 of the Martini Mortgage Podcast, Certified Mortgage Advisor and Raleigh Mortgage Broker Kevin Martini dives deep into the major hurdles faced by homebuyers today: Affordability, Inventory, and Student Loan Debt.
    The current housing landscape presents skyrocketing home prices and limited listings, compounded by the weight of student loans for many. Kevin breaks down the myth of affordability, highlighting that home prices, mortgage rates, and income all play interconnected roles.
    Despite these daunting obstacles, Kevin emphasizes that the American Dream of homeownership remains attainable. He champions an informed approach, advising potential buyers to secure their home loan first, ensuring clarity on price and costs.
    Kevin Martini | NMLS 143962 | Certified Mortgage Advisor | Martini Mortgage Group at Gold Star Mortgage Financial Group, Corporation | NMLS # 3446 | 507 N Blount St, Raleigh, NC 27604 | (919) 238-4934 | www.MartiniMortgageGroup.com | Kevin@MartiniMortgageGroup.com | Equal Housing Lender

    • 9 min
    Divorce and the Marital Home

    Divorce and the Marital Home

    In this insightful podcast episode, Certified Mortgage Advisor and Raleigh Mortgage Broker Kevin Martini, backed by years of mortgage advising experience, sheds light on the critical financial aspect of handling the marital home during a divorce. Epsidoe 191 of the Martini Mortgage Podcast is structured to first dice into understanding the value and equity of your marital home, followed by exploring the three core options available for couples amidst divorce proceedings.
    Initially, this micro podcast episode of the Martini Mortgage Podcast emphasizes the initial 3 steps to determine your equity position three steps:
    -) Determining the home's worth: Utilizing an algorithm provided by Martini Mortgage Group, listeners are directed to accurately estimate their home’s value.
    -) Calculating outstanding mortgage: The necessity of summing up the remaining mortgage balance, along with any additional loans, to understand the full financial picture.
    -) Evaluating Home's Equity: A simple subtraction of what’s owed from the home's value gives the gross equity, though selling costs should be factored in for a net value.
    With the equity understood, three primary options for dealing with the marital home are discussed:
    Selling the Home: A straightforward yet emotionally tough choice that may necessitate a real estate professional’s assistance to ensure a smooth process and fair market value.
    One Spouse Retaining the Home: If financially viable, one spouse may buy out the other's share, often requiring refinancing to adjust the mortgage to the retaining spouse’s financial situation. Martini Mortgage Group is highlighted for its expertise in facilitating such transitions swiftly.
    Joint Ownership: An uncommon but possible route, either by continuing to reside together or renting out the home. This option demands a high level of cooperation and clarity in financial responsibilities.
    Furthermore, five additional Kevin Martini tips are shared:
    *Maintain Mortgage Payments*
    *Open Communication*
    *Preparation for All Scenarios*
    *Document Availability*
    *Impeccable Record Keeping*
    The episode closes by offering a complimentary Financial Transition Plan through Martini Mortgage Group, aiming to assist listeners in making well-informed decisions during such trying times. It emphasizes the profound financial impact of divorce beyond emotional distress and encourages listeners to share the episode with those facing similar challenges.
    Kevin Martini | NMLS 143962 | Certified Mortgage Advisor | Martini Mortgage Group at Gold Star Mortgage Financial Group, Corporation | NMLS # 3446 | 507 N Blount St, Raleigh, NC 27604 | (919) 238-4934 | www.MartiniMortgageGroup.com | Kevin@MartiniMortgageGroup.com | Equal Housing Lender

    • 9 min
    2 Questions to Ask Yourself Before Buying a Home

    2 Questions to Ask Yourself Before Buying a Home

    Welcome to episode 190 of the Martini Mortgage Podcast, titled MMP, where our host Kevin Martini, a Raleigh Mortgage Broker and Certified Mortgage Advisor, explores the topsy-turvy journey of home buying in the current real estate scenario.
    In this episode, Kevin dives into the emotional roller-coaster that accompanies the homebuying process, especially amid soaring home prices and fluctuating mortgage rates. He emphasizes on the importance of focusing on one’s aspirations, financial blueprint, and the groundwork needed before diving into the real estate market.
    Highlights:
    Understanding the Real Estate Landscape:
    A discussion on the unpredictability of home prices and mortgage rates. Expert predictions from Pulsenomics on the gradual rise in home prices in the upcoming years. A highlight on how a $400,000 house bought in January 2023 could appreciate to $471,363 by 2027. The Mortgage Rate Tango:
    A dive into the dynamics between mortgage rates, the bond market, and inflation. Predictions from the Mortgage Bankers Association on a potential rise in 30-year fixed mortgages by 2024. Strategizing Your Home Buying:
    An exploration of scenarios and benefits of buying a house now amid the current market trends. Kevin Martini | NMLS 143962 | Certified Mortgage Advisor | Martini Mortgage Group at Gold Star Mortgage Financial Group, Corporation | NMLS # 3446 | 507 N Blount St, Raleigh, NC 27604 | (919) 238-4934 | www.MartiniMortgageGroup.com | Kevin@MartiniMortgageGroup.com | Equal Housing Lender
    Making an informed decision about your next move is crucial, whether you're a first-time or repeat homebuyer. When it comes to homeownership, having certainty about your financing options is the proper first step, regardless of your level of experience. This way, you can confidently search for your dream home armed with price and cost clarity.
     
    Let's connect and discuss the proper mortgage strategy for you and your family. Whether you're ready to take the leap into homeownership or simply want to explore your options,
     
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    • 7 min

Customer Reviews

4.2 out of 5
5 Ratings

5 Ratings

Roger Remington ,

Amazing information on the mortgage process

This podcast helped me understand the home buying process and understand the mortgage process too!

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