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MARTINI MORTGAGE PODCAST

Fall 2021 Homebuyer Guide

Episode 128 of Martini Mortgage Podcast

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 Partnership, NMLS 66247 | 507 N Blount St Raleigh, NC 27604 | (919) 238-4934 | www.MartiniMortgage.com | Kevin@KevinMartini.com | Equal Housing Opportunity

7 Financial Freedom Reasons to Own a Home

Episode 127 of Martini Mortgage Podcast

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@KevinMartini.com | Equal Housing Opportunity

Are Young People Buying Homes?

Episode 126 of Martini Mortgage Podcast

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

Are homes really still affordable?

Episode 125 of Martini Mortgage Podcast

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

3 talking points in the housing market

Episode 124 of Martini Mortgage Podcast

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

Future Home Values

Episode 123 of Martini Mortgage Podcast

It is not what 1 person thinks about where real estate is headed — it is what the top 100+ economists, investment strategists, and housing market analysts regarding their 5-year expectations for future home values in the U.S.

Certified Mortgage Advisor, Kevin Martini, shares the break down of the most recent Home Price Expectation Survey in Episode 123 of the Martini Mortgage Podcast. To include, the year-by year predications and what these predication mean for future homebuyers and current homeowners.

Kevin Martini is not just the host of the Martini Mortgage Podcast, he is a Certified Mortgage Advisor and producing Manager of the Martini Group at Cardinal Financial Company which is locates in Raleigh, North Carolina but helping families all over the U.S. 

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.KevinMartini.com | Kevin@KevinMartini.com | Equal Housing Opportunity

It’s not a bubble, it is OPPORTUNITY!

Episode 122 of Martini Mortgage Podcast

With the increase of home values in the recent years, some are voicing concerns that we may be in another housing bubble like the one we experienced a little over a decade ago.  It is understandable how one could have this perception of the real estate market without full access  to all of the data.  The data is indisputable, 2021 is NOTHING like 2008 and Kevin Martini shares the 3 reason it is not a bubble, it is an opportunity in episode 122 of the Martini Mortgage Podcast.

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.KevinMartini.com | Kevin@KevinMartini.com | Equal Housing Opportunity

Buying a home this Summer

Episode 121 of Martini Mortgage Podcast

Right now there is a ton of chatter about the real estate market and mortgage rates.  Not just ‘want-to-be’ homebuyers are asking question, even current homeowners are asking question too…this episode of the Martini Mortgage Podcast, with Certified Mortgage Advisor Kevin Martini, goes beyond the headlines and into the real data about buying a home this summer. 

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.KevinMartini.com | Kevin@KevinMartini.com | Equal Housing Opportunity

Should I stay or should I go?

Episode 120 of Martini Mortgage Podcast

Today, the level of equity homeowners have is at an all-time high. This epic home equity position is prompting  many homeowners to to ask if they should stay and refinance their current home or should the list their home for sale and upgrade into a better home that will fit their needs.  

For those considering to stay, should they refinance to a lower rate or a lower term.  If they stay, should they unleash some of the equity via a cash-out refinance to restructure their family debt and lower their monthly outflows. If they stay, are they in the right mortgage product?  A lot of questions for a homeowner to consider today if they want to stay.

For those considering to go it may because they have realized that their current house will not meet the needs of their family in the future or worse, they have currently outgrown their current home.  

Certified Mortgage Advisor, Kevin Martini with the Martini Group at Cardinal Financial Company provides priceless feedback for homeowners that are asking if they should stay or if they should go.

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.KevinMartini.com | Kevin@KevinMartini.com | Equal Housing Opportunity

5 Powerful Reasons to Own a Home

Episode 119 of Martini Mortgage Podcast

There is nothing wrong with renting and there is a time to rent however that time is not now when you consider the 5 Kevin Martini Powerful Reasons to Own a Home that are shared in this episode.  Perfect credit is needed and large down payment is required are just a couple of the fairy tails that are preventing people from getting involved in homeownership and experiencing the the powerful reason to own a home.  

The 5 reason that will be discussed in detail with feature and benefit are: 

1- You are paying for housing whether you rent or own.

2- Housing is one of the only leveraged investments available today.

3- Owning a home is usually a form of forced savings. 

4- There may be substantial tax benefits to owning a home.

5- Owning a home is a hedge against inflation.  

Is owning a home right for you and your family?  I do not know but what I do know is one should make the decision based on facts if homeownership is right for them.  The fact finding journey starts with a clear understanding of the 5 Powerful Reasons to Own a Home.

“In my professional opinion owning a home has been and will always be better from a financial standpoint than renting”. Kevin Martini 

For more information about homeownership and about secure the right mortgage visit www.MartiniMortgage.com or call Kevin Martini who is a  Certified Mortgage Advisor and Producing Branch Manager of the Martini Group at Cardinal Financial Company,

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.KevinMartini.com | Kevin@KevinMartini.com | Equal Housing Opportunity

Waiting to buy a home for 12-months could cost a small fortune!

Episode 118 of Martini Mortgage Podcast

Certified Mortgage Advisor, Kevin Martini shared in episode 118 of the Martini Mortgage Podcast that: “waiting to buy a home could cost you a small fortune”. 

Many people today are sitting on the fence trying to decide if now is the right time to buy a home.  To help determine if now it the right time to buy or is it better to wait you have to answer ‘YES’ to one of these 2 questions:

Question #1: Do you think home values will be higher a  year from now?

Question #2: Do you think mortgage rates will be higher a year from now? 

2021 Interest Rate and Housing Outlook

Episode 117 of Martini Mortgage Podcast

What is the outlook for the mortgage markets…what is the outlook for the housing market and what is the outlook for the economy in 2021?  Will interest rates rise in the year ahead?  Did you miss the opportunity to refinance?  Did you miss the opportunity to buy a home at an epic home loan rate? Will housing remain strong in 2021?  So many questions & they all will be answered in this special episode of the Martini Mortgage Podcast. 

Chief Mortgage Strategist Kevin Martini will be discussing his 2021 predications on where home loan rates will be in 2021 and he will be sharing thoughts on whether housing will continue to be green and growing in 2021.  

$8K for downpayment in NC

Episode 116 of Martini Mortgage Podcast

If you are a first-time home buyer in North Carolina or a military veteran buying a home in North Carolina then you may be eligible for $8,000 in downpayment assistance with the North Carolina First Home Advantage Downpayment Program offered by the (a.k.a. NCHFA) with loan originated by the Martini Mortgage Group at Benchmark Mortgage which is based in Raleigh, North Carolina however serving all 100 counties in North Carolina.

This very unique program does NOT require a minimum investment from the homebuyer nor does this unique home loan offering put asset limitations on the homebuyer.  For more information about the North Carolina First Home Advantage Downpayment Program listens to this special episode of the Martini Mortgage podcast which is hosted by Chief Mortgage Strategist, Kevin Martini.

Buying a Home, Things to Consider

Episode 115 of Martini Mortgage Podcast

The Martini Buyer Guide has 10 informative articles that discusses refinancing a home or  buying a home and getting mortgage not just Raleigh, North Carolina market but in any market. In the pages of the Martini Buyer Guide there is national housing data from industry icons like; Fannie Mae, Freddie Mac, Zillow, CoreLogic, Mortgage Bankers Associations (MBA) and National Association of Realtors (NAR).  

In episode 115 of the Martini Mortgage Podcast not everything that is discussed in that is shared in the Winter 2021 Martini Buyer Guide, just a glimpse of some key articles.  The full homebuyer guide has 10 key topics and they are:

  • Why you should’t wait until Spring to Buy a Home
  • A New Meaning for Homeownership
  • The Expert Winter Housing Market Forecast
  • Home Price Appreciation is on the Rise
  • Knowing the Lingo
  • Steps to take if you Want to Buy a Home
  • You NEED an Expert Kind of Guide 
  • How Downpayment Assistance opens the door to Homeownership 
  • 4 Tips for making a Successful Offer
  • Things to avoid after Applying for a Mortgage

2021 Fannie Mae and Freddie Mac Conforming Loam Limits

Episode 114 of Martini Mortgage Podcast

Fannie Mae and Freddie Mac maximum conforming loan limits for 2021 will increase to $584,250 according to the Federal Housing Finance Agency (FHFA) November 24, 2020 Press Release.  The 2021 maximum conforming loan limits will increase $37,850 from the 2020 level.  In 2020 the maximum conforming loan limit was $510,400 however in 2021 the new maximum conforming loan limit will be $584,250.

3 Strategies to be Victorious in a Bidding War

Episode 113 of Martini Mortgage Podcast

There is a high likelihood that if you see a home for sale that is properly priced in great condition there could be a bidding war.  Maybe you may experience a bidding war if the home for sale is not properly priced too.  The real estate market right now is very tight so a buyer needs to be prepared for a bidding war.  Kevin Martini shares 3 strategies to  be victorious in a bidding war in episode 113 of the Martini Mortgage Podcast.

Top Stressors of Selling During a Pandemic or Top Stressors of Selling a Home Period.

Episode 112 of Martini Mortgage Podcast

Many feel selling a home is stressful under normal circumstances and can be very stressful if you are selling during a pandemic.  Seller have many concerns like: how is the real estate market during the pandemic, is it smart to sell during a pandemic ???when you list your house for sale, how do you know the people touring your home for sale are serious ??? how do I know that the my house will sell for the price I want and on the timeline I want ??? will I get the price I want to sell my home ???

Episode 112 of the Martini Mortgage Podcast with Kevin Martini is called the Top Stressors Of Selling a Home.  Kevin Martini has invited s special goes to help answer these questions in the video edition of the Martini Mortagage Podcast – Lisa Quin with the Quin Realty Group at EXP Realty.

Lisa Quin is a Realtor with over 20-year experience helping families buy and sell real estate in the Triangle of North Carolina.  Lisa Quin has consistently achieved top homer in the industry.  Not only a Relator, she is a homeowner and also a real estate investor.  Quin Realty Group has a proprietary marketing strategy to identify the best way to  showcase a home for sale and to market that home home for sale to get top dollar.  When buying a home, Lisa Quin, helps clients make smart real estate decisions.

Freeze it! Don’t just monitor it!

Episode 111 of Martini Mortgage Podcast

The fastest-growing crime in the nation is Identity Theft (a.k.a. Identity Fraud). 1 out of 15 people will be impacted by Identity Theft.  Many think monitoring it is the best strategy however this alerts you after a bad actor has already gained access to your information. The credit freeze it is the most reliable defense you have in your arsenal to prevent Identity Fraud.

One needs to be proactive to prevent Identity Theft, they should not be reactive.  This special episode of the Martini Mortgage Podcast shares a way one can be proactive to protect their identity and prevent Identity Fraud by freezing their credit.  Freezing your credit essential restricts access or locks others out from accessing your credit. It is my opinion that the credit freeze is the most powerful thing that one can do to protect themselves from the fraud of identity theft. Find out how you can do this for FREE.

FOR SHOW NOTES AND RESOURCES DISCUSSED GO TO:

https://www.martinimortgage.com/the-credit-freez…t-just-monitored/

Things to Consider When Buying a Home Fall 2020

Episode 110 of Martini Mortgage Podcast

There are many thing to consider when buying a home as a first time home buyer or as a repeat homebuyer.  Raleigh Mortgage Strategist, Kevin Martini, highlights 10 key topics that are top of mind for many right now whom are considering to buy real estate now, soon or in the future.

Episode 110 is an audio summary of the Fall 2020 Martini Buyer Guide called: Things to Consider when Buying a Home. The information in this 20-page homebuyer guide is helpful if one is buying or if one is selling real estate.  It is event helpful for one that works in the real estate arena.

The Martini Buyer Guide is available for FREE by going to: www.MartiniBuyerGuide.com

Your Mortgage - Deal Maker or Deal Breaker?

Episode 109 of Martini Mortgage Podcast

Your mortgage can be a deal maker or a deal breaker.  When you are buying a home for the first time or as a repeat buyer, it is irrelevant to communicate to a home seller that you are read and willing…you need to communicate that you are ready , willing and able to buy.  The only way to properly communicate your ability to buy is via a Mortgage Pre-Approval Letter. 

Mortgage Strategist Kevin Martini with the Martini Mortgage Group at Benchmark Mortgages discusses the material differences between a mortgage pre-qualification and mortgage pre-approval in episode 109 of the Martini Mortgage Podcast.

5 Financial Reasons for Homeownership

Episode 108 of Martini Mortgage Podcast

Is owning a home right for everyone – NO IT IS NOT! Is owning a home right for you?  I do not know, but I do know there are financial benefits to owning a home and this episode of the Martini Mortgage Podcast will highlight the 5 Kevin Martini Financial Reasons for Homeownership.

Buying a home as a first-time homebuyer or as a repeat homebuyer is a process, not an event.  Since there is never a substitute for education…the home buying process starts start with education regardless of you experience level with real estate.  They’re intangible benefits to owning a home but there are also financial benefits too!

The Martini Mortgage Podcast is curated and hosted by Raleigh Mortgage Strategist Kevin Martini with the Martini Mortgage Group at Benchmark Mortgage and this is episode 108 called: 5 financial Reasons of Homeownership in Raleigh or anywhere in North Carolina or any city and state in the U.S. for that matter.

The Good Old Days are Right Now

Episode 107 of Martini Mortgage Podcast

There are times that people talk about the ‘Good Old Days’…what they were able to do way back when.  There are few moments in life that you are able to live in the ‘Good Old Days’ and right now is one of those rare occasions.  Right now is the ‘Good Old Days’ for real estate and home loan rates and potentially a once in a life-time opportunity.

Jobs and the Housing Market

Episode 106 of Martini Mortgage Podcast

Today, top of mind with many people is real estate.  People that own real estate are concerned about the economy and how it is going to impact their home value.  Renters are concerned with jobs or unemployment numbers and this is preventing them from exploring buying options.  Jobs and the housing market is what this special episode of the Martini Mortgage Podcast is all about. 

VA Home Loan Explained

Episode 105 of Martini Mortgage Podcast

The VA Home Loan is not just one of the most powerful home loan options but it is also the best mortgage option available today.  When you think about it, it should be.  The best home loan product should be reserved for the brave that serve our country.  This episode of the Martini Mortgage Podcast highlights the 4 things that you need to know about the VA Home Loan AND Kevin Martini shares the 9 benefits that an active Servicemember, Veteran or surviving spouse of a fallen hero need to know about a VA Home Loan.

Mortgage Rates AND Home Price

Episode 104 of Martini Mortgage Podcast

Mortgage rates are not just low they are hovering near historic all-time lows.  In addition, home appreciation in this market is not myth — it is a reality! Mortgage Strategist Kevin Martini discusses what the current home loan rate environment is like and what it means to one that is a first-time home buyer or a repeat homebuyer too.  Plus a discussion about home prices…where are they head and how has COVID-19 impacted them.

If you are thinking this like 2008, STOP IT!

Episode 103 of Martini Mortgage Podcast

National Homeownership Month

Episode 102 of Martini Mortgage Podcast

Credit Scores 101

Episode 101 of Martini Mortgage Podcast

What is going on that you need to know!

Episode 100 of Martini Mortgage Podcast

VIDEO EDITION: "What is going on that you need to know!"

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