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What the heck is going on?

Release Date: 06/15/2022

2 Questions to Ask Yourself Before Buying a Home

Martini 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...

buying a home in the fall of 2023

Martini 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...

Student Loan Payments Resume

Martini 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...

35% is YOUR Timeliness

Martini 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...

How Inflation Impacts Mortgage Rates

Martini 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...

Homeownership: The Keystone of Wealth

Martini Mortgage Podcast

In episode 185 of the , titled "Homeownership: The Keystone of Wealth," Certified Mortgage Advisor and unpacks the secrets of homeownership as a wealth creation and preservation tool. He compares homeownership to a golden goose that lays the eggs of wealth accumulation, offering the homeowner financial freedom. He begins the episode by emphasizing the power of home equity - the portion of a home that's owned outright. As a homeowner pays off their mortgage, their equity (a.k.a. wealth) increases. Martini refers to this as a form of forced savings, which can result in substantial wealth...

Behind the Curtain

Martini Mortgage Podcast

🎧 Podcast Summary: "Behind the Curtain" - Martini Mortgage Podcast (Episode 184) In a world of uncertainty, it's natural to feel nervous. Join Certified Mortgage Advisor and , in the 184th episode of the Martini Mortgage Podcast as he pulls back the curtain on the unpredictable landscape of 2023. From bank failures to rising mortgage rates and inventory shortages, Kevin sheds light on the real story behind the headlines. As a seasoned industry expert, Kevin shares his breakdown of what renowned professionals are saying, offering a unique perspective through the lens of a Certified Mortgage...

ARM vs Buydown

Martini Mortgage Podcast

In episode 183 of the Martini Mortgage Podcast, titled “ARM vs Buydown,” Certified Mortgage Advisor and illuminates the "2-1 Buydown" strategy in the context of the current unique real estate and mortgage market. He discusses the allure of Adjustable Rate Mortgages (ARMs) and compares them to the Buydown strategy. Martini asserts that the Buydown approach can offer surprising benefits and greater financial stability, unlike ARMs. He emphasizes that with a Buydown, homeowners can refinance when the time is right, potentially leading to significant savings. Martini also demystifies the...

Real Estate Reality Check

Martini Mortgage Podcast

Episode 182 of the hosted by Certified Mortgage Advisor and Kevin Martini, delivers a raw, unfiltered truth about the real estate market and mortgage rates, pulling no punches. This isn't just another podcast episode; it's a deep dive into the realities of home buying in our turbulent times, providing real-life, practical insights. Buckle up for an epic real estate ride where you're not just a spectator but an active participant in your homebuying journey. Key Topics Discussed: Current state of home prices and mortgage rates: Amidst fluctuating home prices and mortgage rates, Kevin provides...

Unraveling the Complexity of the Housing Market

Martini Mortgage Podcast

In the 181st episode of the titled "Unraveling the Complexity of the Housing Market," , a Certified Mortgage Advisor, addresses the recent buzzwords like "slow sales" and "price softening" in the housing market. He emphasizes the importance of understanding real estate trends at a hyper-local level and the role of year-over-year and month-over-month data comparisons in accurately interpreting market conditions. He debunks misconceptions surrounding alarming year-over-year data, urging listeners to focus more on month-over-month trends. Kevin Martini encourages listeners not to be swayed by...

More Episodes

Higher home values, higher inflation, higher home loan rates — WHAT THE HECK IS GOING ON?

Certified Mortgage Advisor and Raleigh mortgage broker, Kevin Martini discusses home appreciation, fluctuation mortgage rates and inflation in this special episode of the Martin Mortgage Podcast.

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