Libsyn Directory

resilience of home prices

Release Date: 05/17/2023

4, 5, 6 Real Estate Forecast for 2024

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....

Marry the House, Date the Rate: Navigating the Real Estate High Tide

Martini 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...

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...

Affordability, Inventory, and Student Loan Debt

Martini 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...

Divorce and the Marital Home

Martini 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: -)...

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...

More Episodes

Episode 179 of the Martini Mortgage Podcast, titled "The Resilience of Home Prices," takes listeners on a comprehensive analysis of home prices and market trends. Host Kevin Martini, a Certified Mortgage Advisor, dives into the past, present, and future of home prices, dispelling misconceptions and shedding light on the actual state of the market.

The episode begins by reflecting on the great recession, which caused significant declines in property values and widespread concerns about the stability of the real estate industry. However, Kevin emphasizes that the market has shown remarkable resilience since then, with stronger regulations, improved risk management, and increased market transparency.

Listeners will learn how the real estate market has experienced unprecedented recovery in recent years, surpassing pre-recession levels in many regions. Factors contributing to this positive trend include economic growth, low mortgage rates, favorable government policies, and the interplay between supply and demand.

Contrary to popular belief, Kevin reveals that the worst home price declines are behind us, and the current real estate landscape is characterized by stability and consistent growth. He explains the role of supply and demand, demographic shifts, and economic factors in shaping the market.

Looking ahead, the episode explores the future growth potential in real estate, considering evolving lifestyle preferences, demographic shifts, and government policies and regulations. By understanding these dynamics, listeners will gain insights into potential growth opportunities and be equipped to make strategic decisions aligned with homebuyers' evolving needs.

Throughout the episode, Kevin emphasizes the importance of staying informed, adapting to the ever-evolving landscape, and taking action in real estate endeavors. He highlights the significance of securing the right home loan as the first step toward homeownership and encourages listeners to explore their financing options and consult mortgage strategists from the Martini Mortgage Group for price and cost clarity.

The episode concludes by empowering listeners to make informed decisions and achieve success in their real estate ventures. Kevin and his team offer their expertise and support, emphasizing their fiduciary approach and commitment to providing a pleasant and fulfilling homeownership experience.

Listeners are thanked for their time and encouraged to share the episode with others. Contact information is provided for further inquiries or assistance with real estate and mortgage-related questions.

Tune in to episode 179 of the Martini Mortgage Podcast to gain a comprehensive understanding of home prices and market trends and discover the opportunities that await in the ever-resilient real estate market.

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