Martini Mortgage Podcast
In this episode of the , Certified Mortgage Advisor and 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....
info_outline Marry the House, Date the Rate: Navigating the Real Estate High TideMartini Mortgage Podcast
Certified Mortgage Advisor and , hosts a special episode of the 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...
info_outline Feel Locked Out?Martini Mortgage Podcast
In this special micro episode, Certified Mortgage Advisor and 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...
info_outline Affordability, Inventory, and Student Loan DebtMartini Mortgage Podcast
In episode 192 of the Martini Mortgage Podcast, Certified Mortgage Advisor and 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...
info_outline Divorce and the Marital HomeMartini Mortgage Podcast
In this insightful podcast episode, Certified Mortgage Advisor and , 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: -)...
info_outline 2 Questions to Ask Yourself Before Buying a HomeMartini Mortgage Podcast
Welcome to episode 190 of the , titled MMP, where our host Kevin Martini, a r 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...
info_outline buying a home in the fall of 2023Martini Mortgage Podcast
In this episode, as the fall season sets in, dives deep into the current state of the real estate market, emphasizing that while the weather cools, the property market remains sizzling hot. Kevin, a Certified Mortgage Advisor with the , introduces listeners to the recently released Fall 2023 edition of the Martini Mortgage Guide. This free resource, available at MartiniBuyerGuide.com, offers a comprehensive look into the intricacies of home buying and mortgages in the current market. Key highlights from the guide include the challenges posed by the low housing inventory, the new normal of...
info_outline Student Loan Payments ResumeMartini Mortgage Podcast
In episode 188 of the , host Kevin Martini discusses the upcoming resumption of federal student loan payments on October 1, 2023, and its potential impact on mortgage approvals. He emphasizes the importance of understanding one's financial position and offers insights on navigating the changing landscape. Main Topics: Resumption of federal student loan payments on October 1, 2023. How this might impact your mortgage approval. Key Points: Federal student loan payments and interest were suspended in March 2020 due to the COVID-19 pandemic. As of June 2023, the pause is set to end, with...
info_outline 35% is YOUR TimelinessMartini Mortgage Podcast
In episode 187 of the Martini Mortgage Podcast, host , a Certified Mortgage Advisor and Producing Branch Manager with the Martini Mortgage Group at Gold Star Mortgage Financial Group, delves into the significant connection between personal habits and credit scores. Utilizing the analogy of a car's maintenance, Martini emphasizes that 35% of a person's credit score performance is dependent on their timeliness in paying debts. Likening various financial mishaps to flat tires and rusty engines, he underscores the serious consequences of late payments, charge-offs, bankruptcies, and judgments on...
info_outline How Inflation Impacts Mortgage RatesMartini Mortgage Podcast
In episode 186 of the Martini Mortgage Podcast, titled "How Inflation Impacts Mortgage Rates," Kevin Martini, a Certified Mortgage Advisor, dissects the stubborn nature of inflation and its complex relationship with mortgage rates. The discussion reveals how inflation, being the increase in general price levels, directly influences mortgage rates, affecting everyone's purchasing power. Martini explores the counterintuitive nature of bonds and mortgage rates and emphasizes the lag between inflation dropping and mortgage rates falling. This episode dives into current market trends, including...
info_outlineIf you are a first-time homebuyer, a repeat homebuyer or work in the real estate arena this podcast episode is for you. Chief Mortgage Strategist Kevin Martini curated this Martini Mortgage Podcast episode to simply explain the housing market and the process of getting a mortgage and to introduce a free resource which is referred to as The Winter 2021 edition of the Martini Buyer Guide (a.k.a. Things to Consider when Buying a Home).
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
There is no question that getting a home and buying a home in Raleigh, anywhere in North Carolina or in the U.S. for that matter, is a process…it is not an event. Since there is never a substitute for education, the home buying process needs to start with education regardless of the experience level of the homebuyer. This is especially true since COVID-19 has impacted mortgage guidelines and how real estate transactions are done. With the Martini Mortgage Podcast and the Martini Buyer Guide is curated to provided factual information based on reliable sources and provides relevant information that go beyond the headlines.
Of course, the Winter 2021 Edition of the Martini Buyer Guide will address many of your questions and concerns however it may prompt additional questions or you may need more clarity about what you read. Chief Mortgage Strategist Kevin Martini and Mortgage Strategist Logan Martini with the Martini Mortgage Group at Benchmark Mortgage are dedicated to make sure you have your questions answered and concerns addressed. Towards that end, if you have any questions about what you read, they are here to help, just call either Kevin Martini or Logan Martini by calling: (919) 238-4934.