Libsyn Directory

Buydowns

Release Date: 09/28/2022

How to Start Saving for Your First Home: A Step-by-Step Guide for First-Time Buyers

Martini Mortgage Podcast

Think you’re not ready to buy a home because you still splurge on takeout or forgot to cancel that random subscription? That’s not the real reason you feel stuck. In this straight-talking, no-fluff episode, Certified Mortgage Advisor Kevin Martini shatters the myth that buying a home starts with cutting out coffee and magically saving 20% down. (Spoiler: You don’t need anywhere near that.) Instead, he hands you the actual steps to get your finances—and your confidence—in alignment, including: The sneaky truth about where your money really goes What a real budget looks like (hint:...

Stop Believing These Mortgage LIES! (First Home Edition)

Martini Mortgage Podcast

Think you need 20% down to buy a home? That lie has been quietly killing dreams for decades—and it’s time to put it to rest. This episode spills the truth, the real truth, about what it actually takes to get the keys to your own place (spoiler: it’s way less than you think). You’ll learn: Why the 20% down myth is holding you back The truth about credit scores—and what lenders really care about Low and no down payment programs that might already be available to you Why “waiting for the right time” might be costing you thousands This isn’t a guilt trip. It’s a game...

Rent vs Buy: Making the Right Choice for Your Future

Martini Mortgage Podcast

Is renting really just throwing money away? Or is buying always the better option? You’ve heard the arguments: “Stop paying your landlord’s mortgage!” … “Owning a home is how you build wealth!” But is it really that simple? Not exactly. Here’s the truth: Neither is universally better—it depends on your situation. And making the wrong choice? That could cost you tens of thousands over time. In this episode of the Martini Mortgage Podcast, we get straight to the facts—no fluff, no hype. You’ll learn: ✔️ The hidden advantages of renting (yes, they exist!) ✔️...

First-Time Homebuyer Mistakes (Things I Wish I Knew Before Buying My First House)

Martini Mortgage Podcast

🚨 STOP scrolling real estate listings and cancel those open house plans—until you hear this. What is the biggest mistake first-time homebuyers make? Doing the right things in the WRONG order. Most people think house first, mortgage second. But here’s the real winning move: secure your home loan first. In this episode of the , I’ll break down: ✅ Why getting your financing in place first gives you the edge ✅ The one factor you can’t change about a house—no matter how much you love it ✅ The hidden costs and pitfalls most buyers don’t see coming Buying your first home is...

Ask These Questions Before Buying a House

Martini Mortgage Podcast

Most homebuyers start with the wrong question: Is now the right time to buy? They wait, watch headlines, and hope for perfect conditions. But here’s the truth: The best time to buy isn’t about the market—it’s about whether YOU are ready. 🔑 Before you fall in love with a house, ask yourself: ✅ Am I financially and emotionally ready? ✅ Can I afford the payment AND still save money? ✅ Will this location work for me in 5 years? Too many buyers wing it—don’t be one of them. In this episode, I reveal the 5 crucial questions you MUST ask before making a move, plus the...

The Interest Rate Illusion: What REALLY Matters

Martini Mortgage Podcast

Stop scrolling if you’re convinced that the lowest rate is your ticket to homeownership bliss. In this episode, mortgage maestro flips the script on “rock-bottom” interest rates, revealing the hidden fees and sneaky tactics that could cost you big time. Forget chasing numbers—learn how to build a strategy that saves you thousands and secures your dream home without the nasty surprises. Trust us, this is one episode you'll want to share with every savvy buyer you know. Kevin Martini is a Certified Mortgage Advisor and the founder of the Martini Mortgage Group. With a proven...

Should You Wait to Buy with Rising Mortgage Rates?

Martini Mortgage Podcast

Think waiting for mortgage rates to drop will save you money? Think again. In this episode of The Martini Mortgage Podcast, I’m breaking down why playing the waiting game could cost you BIG—more than just a percentage on your interest rate. From home price appreciation to the inevitable buyer frenzy when rates dip, I’ll show you why the best time to buy isn’t about the market—it’s about when you’re ready. Why history proves waiting can be a costly mistake The hidden risk of "perfect timing" in real estate A side-by-side comparison of buying now vs. later—what’s the real...

When Mortgage Interest Is Deductible

Martini Mortgage Podcast

Think all mortgage interest is tax-deductible? Think again. In this episode, Certified Mortgage Advisor Kevin Martini reveals the key factors that determine if you can claim this deduction. From itemized deductions to acquisition indebtedness, and even pre-2017 loans, this episode clears up the confusion. Plus, discover why investment properties play by entirely different rules. Don’t miss out on potentially saving thousands—or avoiding costly mistakes. Hit play, and make sure to share this episode with someone who could use this info.

Homebuying Hacks for First-Time Homebuyers

Martini Mortgage Podcast

Think you’re ready to buy a home? Most first-time homebuyers make a HUGE mistake before they even start house hunting—and it’s costing them big time. In this must-listen episode of the Martini Mortgage Podcast, , Certified Mortgage Advisor, breaks down the ultimate hacks for making your homeownership journey smoother, smarter, and significantly less stressful. Discover why starting with your mortgage—not the house—is the game-changer you didn’t know you needed. Learn how to avoid costly missteps, build a dream team of trusted advisors, and turn the dream of homeownership into a...

Can You Get a Mortgage with Student Loans?

Martini Mortgage Podcast

Can student loans stop you from owning your dream home? Think again. This episode is for anyone who feels like their student debt is an immovable mountain standing between them and the keys to their first home. Spoiler alert: It’s not about the debt itself—it’s about how you manage it. Join Certified Mortgage Advisor as he busts the myth that student loans disqualify you from a mortgage and explains: Why your Debt-to-Income Ratio (DTI) matters more than the total debt you owe. Loan options tailored for homebuyers with student debt, including FHA and conventional loans. Why getting...

More Episodes

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.

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