Martini Mortgage Podcast

In special episode 175 of the Martini Mortgage Podcast, Kevin Martini, a Certified Mortgage Advisor and Producing Branch Manager, discusses the recent bank failures and the causes behind them. Kevin explains the basics of how the banking system works, using the example of how banks use customers' deposits to make loans and investments to earn a profit. He also gives a high-level overview of how bonds work, including their face value, coupon rate, and how they are traded in the market. Kevin then delves into the recent bank failures, explaining how banks invested a significant portion of their customers' deposits in fixed assets, specifically bonds, which are considered safe investments. However, when interest rates increased, the value of these bonds decreased, resulting in significant losses for the banks when they had to sell the bonds to return customers' deposits. This led to a run on the banks and caused a wave of failures. Kevin argues that this was due to the banks' incompetence in not keeping up with

Certified Mortgage Advisor and Raleigh mortgage broker Kevin Martini hosts episode 174 of the Martini Mortgage Podcast called: Reality Here are some main points discussed in this informative episode about mortgage rates and real estate. Perception vs. Reality: Many people base their reality on their perception of a headline or article they didn't read, leading to an information crisis about housing. Mortgage Rates: Mortgage rates are still below their historical average and provide an unprecedented opportunity for homebuyers today. Ultimate Homebuying and Mortgage Guide: The Spring 2023 edition of the Martini Buyer Guide was created to provide a straightforward explanation of the current real estate and mortgage markets. It features informative articles that address crucial aspects of home buying and mortgage application processes, and it’s the perfect guide for anyone who wants to stay up-to-date on what’s happening in the real estate market. Inflation: Inflation erodes bond returns and causes higher yields,

In this special episode of the Martini Mortgage Podcast, Certified Mortgage Advisor and Raleigh mortgage broker Kevin Martini discusses the 4 Stages of Buyer Demand and how homebuyers can use them to maximize their advantage in the current real estate market.   Kevin starts by acknowledging the shift in sentiment among homebuyers and homeowners in the current market, caused by an information crisis about housing rather than a housing crisis itself. He stresses that demand for housing currently outstrips supply across the US, creating upward pressure on pricing.   Kevin reminds listeners that although the current shortage of homes is a challenge, it is not a new phenomenon and has been a long-term issue that will take years, if not decades, to resolve. According to research from Fannie Mae, there is a 3.8 to 5 million home shortage in the US.   He cautions that predicting a rinse and repeat of the housing crisis of 2008 is unfounded, as that crisis was caused by housing and not a recession. Real estate is a lo

One of the best kept secrets that first-time homebuyers do not know is that they may be eligible for an annual tax credit of up to $2,000 a year…you heard me properly, I said, tax credit and I also said up to $2,000 a year not just for the first year but for every year they own the home as their primary residence.  Certified Mortgage Advisor and Raleigh Mortgage Broker Kevin Martini with the Martini Mortgage Group hosts this special episode of the Martini Mortgage Podcast is about the tax credit for first-time homebuyers buying in North Carolina. 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

Let's face it, mortgages might be a good bit higher than they were in the past, but at least you can take solace in the fact that rates today are lower than last year. And if lower home loan rates isn't reason enough for a jolt to your morale, you could always consider home values - sure, one month may see the market dip, but experts all seem to agree that year-over-year there will be no retreat. But don't despair just yet - that third factor of affordability, wages, comes like a beam of light over yonder hills; wages are on the rise and with them our capacity to own homes! Put it all together and you have yourself a potentially more attainable future when it comes to finally buying that dream house of yours. Tune into this special episode 171 of the Martini Mortgage Podcast which is called 'Affordability' and it takes a deep dice into home affordability. Kevin Martini | NMLS 143962 | Certified Mortgage Advisor | Martini Mortgage Group at Gold Star Mortgage Financial Group, Corporation | NMLS # 3446 | 507 N B

In this speical epsiode of the Martini Mortgage Podcast, Certified Mortgage Advisor Kevin Martini shares how the gift tax really works and how to use gift funds to buy a home.   For more information about this episode, check out the following article published by the Martini Mortgage Group: https://www.martinimortgagegroup.com/how-does-the-gift-tax-work-when-using-gift-funds-to-buy-a-home-by-raleigh-mortgage-broker-kevin-martini/ 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

The housing market is in an information crisis, not a housing crisis. In this special episode of the Martini Mortgage Podcast, Certified Mortgager Advisor Kevin Martini, gores beyond the headlines into the pure data to  help homebuyers to become homeowners and to help more sellers get their home sold. Get the inside scoop on what’s really going on in the housing market and learn how you can take advantage of it. Listen and 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

In real estate, the story in 2022 is all about inflation and mortgage rate.  In 2023, the developing story will be a rinse and repeat of the 2022 real estate story (i.e. inflation and mortgage rates).   “…mortgage rates are transitory however home prices are sticky and they are going up.”   In this special episode of the Martini Mortgage Podcast, Raleigh mortgage broker and Certified Mortgage Advisor Kevin Martini, takes a look at the unprecedented doubling of mortgage rates in 2022 and shares how taming inflation will yield to lower home loan rates in 2023.   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

One of the most important assets often overlook and not properly protected by many is their credit score. In this special episode of the Martini Mortgage Podcast, Raleigh mortgage broker and Certified Mortgage Advisor Kevin Martini discuss a free way to stop unauthorized access to your credit but also another free strategy to stop unsolicited offers that put pressure on your credit score. As a supplement for episode 167 of the Martini Mortgage Podcast, information on how to 'freeze it' ... 'thaw it' ... 'opt-out'  go to: https://www.martinimortgagegroup.com/freeze-it-and-opt-out/ You will find resources for  website, telephone number and address for Equifax, Experian and Trans Union.  In addition to website and telephone number for the Consumer Credit Reporting Agency to opt-out.  WARNING: there is no guarantees that a freeze will protect you 100% of the time.  One may still steal your non public private information or maybe one may hack into one of your existing open accounts  however it is my opinion, the c

Inflation, the unprecedented rise of mortgage rates, news about inventory increased are just a few of the topic to be shared in special video and audio edition of a monthly series from the Martini Mortgage Group that is are calling ‘What is going on in November 2022’ Kevin Martini is not just the host of the Martini Mortgage Podcast…he is the founder of the Martini Mortgage Group; Producing Branch Manager, a Raleigh mortgage broker and a Certified Mortgage Advisor (NMLS 143962) with Gold Stat Mortgage (NMLS 3446); and a husband to a magnificent lady who was his high school sweetheart; a father of 2 amazing men;  a son to tremendous parents;  a grandfather to a beautiful grandchild; a loyal friend; a trusted and experienced mortgage advisor to the families he serves. 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@Martini

Just a couple months ago it was unthinkable that mortgage rates would be where they are today especially, with the knowledge where they we at the beginning of the year.  This is the breaking news in the real estate arena.  It is indisputable that these mortgage rates are presenting some challenges to homebuyers today.  The unfolding story right now is how the challenges in the real estate market are creating unique opportunities and is good news for homebuyers. Raleigh mortgage broker and Certified Mortgage Advisor Kevin Martini host a special episode of the Martini Mortgage Podcast called: ‘4 Pieces of Good News for Homebuyers’ Tune in to learn about these 4 good pieces: 1) options 2) buyer bidding battle 3) power 4) the emergence of the introductory rate 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@MartiniMortgageGr

This is a trick question.  The answer to, ‘is now a good time to buy a home’ is yes since real estate is a long-term investment.  The real question should be; ‘is now a good time for me to buy a home?’ The answer to that question is, maybe or maybe not!  In this special episode of the Martini Mortgage Podcast, Certified Mortgage Advisor Kevin Martini packs the 3 questions to consider when determining if homeownership is right for you and if now is a good time for you to buy a home.   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

With higher mortgage rates, with economic uncertainty and with what appears to be a cooling real estate market, is buying a home today still a good investment? In this special episode of the Martini Mortgage Podcast, Raleigh mortgage broker Kevin Martini shares the 6 reasons why now is and in the future real estate is an epic long-term investment. BONUS CONTENT: a conversation on high mortgage rates and the future of home values! SPOILER ALERT: the 6 reasons why now is and in the future real estate is an epic long-term investment are: Leverage, Appreciation, Hedge, Less Risky, Potential Tax Benefits and Retirement 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

Inflation and higher mortgage rates represent an unprecedented opportunity for homebuyers today. Certified Mortgage Advisor Kevin Martini talks about how the release of the September 2022 Consumer-Price Index (CPI) provides an unfair advantage for homebuyers. Enjoy :)

What is going on in the news that could impact mortgage rate and home values…what is going on with inflation and how is it impacting home loan rates and house values…what is going on with mortgage rates…what is going on with the just released ‘no contract lock’ program offered by the Martini Mortgage Group…what is going on with Seller-Paid Buydowns…what is going on in the future for real estate and mortgage rates…what is going on with the elephant in the room (a.k.a. recession and home values).  Raleigh mortgage broker and Certified Mortgage Advisor Kevin Martini hosts this inaugural episode of a new monthly series called: What is going on (October 2022 Edition) 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

In this special interview of the Martini Mortgage Podcast, Certified Mortgage Advisor and Raleigh lender Kevin Martini interviews Raleigh area real estate expert Bailey Weaver Packard with eXp Realty. Who is Bailey Weaver Packard? Bailey is an experienced real estate agent who goes above and beyond for her clients. She was born and raised in Raleigh, she has a deep knowledge of the real estate market as well as all things local. Her clients have shared  that she provides the best level of customer service while keeping her clients financial goals at the forefront is her mission. (And to have fun while doing so, of course!) During episode 160 of the Martini Mortgage Podcast, Bailey unpacks many key topics that potential homebuyers and home sellers need to know about buying real estate and she also peppers in some nuggets about living in the Triangle of North Carolina. To contact Realtor Bailey Weaver Packard: Website- https://baileyweaver.exprealty.com Number- (919) 455-3811 Facebook- https://www.facebook

Right now mortgage rate environment has caused a mortgage payments to increase to a level not seen in over two decades. Right now, this current real estate market is putting pressure on potential homebuyers and buydowns may be a tool to help not just homebuyers today but also home sellers. In this very special episode of the Martini Mortgage Podcast, Certified Mortgage Advisor Kevin Martini talks about what a ‘Seller-Funded Buydown’ is and discusses how a homebuyers and home sellers can benefit from buydowns. Enjoy :) If you have question about the the 1-1 Buydown, the 2-1 Buydown, the 3-2-1 Buydown or anything real estate or mortgage related, contact Kevin Martini by dialing (919) 238-4934. 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

Is the weather the only thing that is going to be cooling this fall, will real estate be cooling too?  This special episode, with Certified Mortgage Advisor Kevin Martini, provides an overview of the Fall edition of the Martini Buyer Guide which simply and effectively communicates the current real estate and mortgage opportunity present this fall. To access instantly and for free the Fall 2022 Editon of the Martini Buyer Guide (a.k.a. 'Things to Consider when Buying a Home') go to: MartiniBuyerGuide.com The Martini Mortgage Podcast is curated and produced by Certified Mortgage Advisor Kevin Martini (NMLS 143962) with the Martini Mortgage Group atGold Star Mortgage Financial Group, Corporation  (NMLS 3446).

In this special interview edition of the Martini Mortgage Podcast, Certified Mortgage Advisor Kevin Martini interviews Raleigh Real Estate Expert Tyler Chestnutt with the Tyler Chestnutt Team at eXp Realty.   Tyler has strategically positioned himself in a niche by becoming the agent of choice for Millennials and Gen X and in this episode addresses the current market conditions for a first-time homebuyer and repeat homebuyers.   This is truly a great conversation that simply and effectively communicates what people need to know about buying a home. 

Right now, the hot topic that is top of mind with not just people that want to purchase a home but with people that currently own a home is, what is happening with home prices?  It is a very understandable concern with everything that is going on.  In this special episode of the Martini Mortgage Podcast, Certified Mortgage Advisor and Raleigh mortgage broker Kevin Martini provides a glimpse on what is (really) happening with home prices. Kevin Martini | NMLS 143962 | Certified Mortgage Advisor | Martini | NMLS # 3446 | 507 N Blount St, Raleigh, NC 27604 | (919) 238-4934 | www.MartiniMortgageGroup.com | Kevin@MartiniMortgageGroup.com | Equal Housing Lender