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Rising mortgage rates impact on housing

Martini Mortgage Podcast

Release Date: 04/12/2022

Affordability show art Affordability

Martini Mortgage Podcast

There is a lot of chatter today about home affordability or more specifically the perception that homes are no longer affordable. SPOILER ALERT: Homes are still very affordable!  In this special episode of the Martini Mortgage Podcast, and Certified Mortgage Advisor breaks down affordability in housing today.   “Just because home prices are going up, does not mean that homes are not affordable? Sure, home price plays a factor but it is not the only factor in home affordability.” ~~ Kevin Martini Kevin Martini | NMLS 143962 | Certified Mortgage Advisor and Producing Branch...

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Change show art Change

Martini Mortgage Podcast

There has been a lot of changes in the real estate markets and in the mortgage arena in 2022. Is this change good, bad or is it just change?   This change from ‘frenzy’ to ‘normal’ represent a moment of opportunity for one that wants to be a first-time homebuyer or a repeat homebuyer.   “…some people are comparing the current real estate market to pandemic market which was an anomaly whereas, the current market should be compared to the most recent normal markets.” ~ Kevin Martini | NMLS 143962 | Certified Mortgage Advisor and Producing Branch Manager | Martini...

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Think Again show art Think Again

Martini Mortgage Podcast

Think buying a home is expensive? Try renting! Think we are getting ready for a rinse and repeat of 2006 & 2007? Think again! In this special episode of the , and Certified Mortgage Advisor Kevin Martini compares and contrasts the current real estate market of today to the real estate market of 2006 & 2007 in 4 areas: 1) supply 2) buyers 3) incomes 4) leverage Kevin Martini | NMLS 143962 | Certified Mortgage Advisor and Producing Branch Manager | Martini Mortgage Group at PCL Financial Group (powered by Celebrity Home Loans, LLC NMLS 227765) | 507 N Blount St Raleigh, NC 27604 | (919)...

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Real Estate is Turning show art Real Estate is Turning

Martini Mortgage Podcast

Right now the real estate is turning. There is no question, the first half of 2022 was a great time to buy a home.  Right now the real estate is turning.  We all hear terms like ‘the market is shifting’ or 'the market is pivoting’ but the real estate market is turning.  Is turning a bad thing?  With this turn, is now still a good time to buy a home?   In this special episode of the Martini Mortgage Podcast Certified Mortgage Advisor and Raleigh mortgage broker Kevin Martini goes beyond the headlines to share why the real estate market is turning and dissects the...

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The loudest voice is an idiot! show art The loudest voice is an idiot!

Martini Mortgage Podcast

Headlines often mislead people into thinking something that may or may not be true.  Right now there is a lot of headlines about death real estate and unaffordable mortgage rates since inflation is high and there is potential recession coming or worse, we are in a recession. Recession are part of the economic cycle and there is proven history on what happens before, during and after a recession with mortgage rates and real estate. The loudest voice who has written the obituary on real estate and mortgage rates is an idiot. When you go beyond the headline and into the data you will find...

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What is the point of points? show art What is the point of points?

Martini Mortgage Podcast

What is the point of points?   What is a mortgage point and are they a good thing?  It depends!   In this special episode of the Martini Mortgage Podcast, Raleigh mortgage broker and Certified Mortgage Advisor, Kevin Martini talks about what a mortgage points (a.k.a. discount points or as “buying down the rate”) are and the pros and cons of mortgage points.   | NMLS 143962 | Certified Mortgage Advisor and Producing Branch Manager | at PCL Financial Group (powered by Celebrity Home Loans, LLC NMLS 227765) | 507 N Blount St Raleigh, NC 27604 | (919) 238-4934 |...

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Now is the real estate opportunity! show art Now is the real estate opportunity!

Martini Mortgage Podcast

Regardless of size, there is no decision that should be made based on a headline. A decision on buying a home should be made after knowing the facts.  Right now, there is noise about real estate and mortgage rates and sadly the real truth and the real opportunity is being missed. Fluctuating mortgage rates, home price deceleration and looming recession are facts but, is a recession bad for real estate values?  Is there a pure need for real estate?  Are home loan rates just going to get more expensive or are they going to retreat? In this special episode of the Martini Mortgage...

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What the heck is going on? show art What the heck is going on?

Martini Mortgage Podcast

Higher home values, higher inflation, higher home loan rates — WHAT THE HECK IS GOING ON?   Certified Mortgage Advisor and Raleigh mortgage broker, discusses home appreciation, fluctuation mortgage rates and inflation in this special episode of the Martin Mortgage Podcast.  Kevin Martini | NMLS 143962 | Certified Mortgage Advisor and Producing Branch Manager | at PCL Financial Group (powered by Celebrity Home Loans, LLC NMLS 227765) | 507 N Blount St Raleigh, NC 27604 | (919) 238-4934 | www.MartiniMortgageGroup.com |[email protected] | nmlsconsumeraccess.org | Equal...

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Homeownership show art Homeownership

Martini Mortgage Podcast

In June we celebrate National Homeownership Month however every month of every year is a great time to celebrate the once in a lifetime opportunity to build generational wealth that homeownership provides.  Yes, homeownership provides financial and lifestyle benefits and sadly there are many myths that are holding many back.  In this episode of the , Raleigh mortgage broker and Certified Mortgage Advisor, Kevin Martini will not just shares but also address the 3 widely held myths that are preventing many from taking advantage of everything that homeownership has top offer:...

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First-Time Home Buyers Tax Credit show art First-Time Home Buyers Tax Credit

Martini Mortgage Podcast

and Certified Mortgage Advisor Kevin Martini hosts episode 144 of the Martini Mortgage Podcast which is called: First-Time Home Buyers Tax Credit. First-time home buyers in North Carolina may be eligible to receive up to $2,000.00 a year not just for the first year but for every year vis-a’-vis the Mortgage Credit Certificate offered by the Martini Mortgage Group in conjunction with North Carolina Housing and Finance Agency. Are you eligible? Are there income limits for the family? Is there a max purchase price? Can you get the tax credit and still deduct your mortgage interest? Is the tax...

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More Episodes
Will rising mortgage interest rates impact housing, specifically home appreciation?

During the first quarter of 2022, mortgage rates essentially went from right at 3% to basically 5% for a 30-year fixed mortgage, how will this quick spike in mortgage rates impact home appreciation? In thus special episode of the Martini Mortgage Podcast, Certified Mortgage Advisor, Kevin Martini breakdown the impact that higher mortgage rates will have on home appreciation by looking at historical data from the last 6 times mortgage rates moved more that 1% and that impact on home values.

Kevin Martini | NMLS 1591485 | Senior Mortgage Strategist | Martini Mortgage Group at PCL Financial Group (powered by Celebrity Home Loans, LLC NMLS 227765) | 507 N Blount St Raleigh, NC 27604 | (919) 238-4934 | www.MartiniMortgageGroup.com | [email protected] | nmlsconsumeraccess.org |Equal Housing Lender