Mortgage Myth: You Need to Save up for a 20% Down Payment
Release Date: 12/24/2024
Why Renting Feels Safe But Might Be Costing You More Than You Think
Martini Mortgage Podcast
0000030E 0000030E 00005E3C 00005E3C 000330A1 000330A1 00007E86 00007E86 0001B834 0001B834
info_outline
Renting vs. Buying: The 2025 Perspective
Martini Mortgage Podcast
“May you live in interesting times.” Sounds inspiring—until you realize it’s a fancy way of saying: good luck surviving the chaos. In this episode of the Martini Mortgage Podcast, Certified Mortgage Advisor breaks down why 2025 is not the year to hit pause on your dreams. 🛑 Waiting for perfect timing? It’s costing you more than you think.🏡 Renting? You’re investing in your landlord’s future, not yours. 📈 Buying? It's not about timing the market—it's about planning smart and acting strategically. 🔑 Discover why resale homes (not new construction) are the hidden gems...
info_outline
Should You Buy a House in 2025? Here’s the TRUTH No One’s Telling You
Martini Mortgage Podcast
Everyone’s asking: “Should I buy a house in 2025?” This episode gives you the answer no one else will. Forget the headlines. Ignore the TikToks. In Episode 214 of the Martini Mortgage Podcast, Kevin Martini peels back the curtain on what’s really happening in the housing market—and whether 2025 is your year to buy. ✔️ Is now the time to make your move? ✔️ What’s actually going on with rates, inventory, and prices? ✔️ How do you know if you are ready (even if it doesn’t feel like it)? This episode cuts through the noise with clarity, strategy, and zero fluff. If you're...
info_outline
Recession Fears? Why 2025 Is Still a Great Time to Buy Your First Home
Martini Mortgage Podcast
Think a recession is your signal to hit pause on buying a home? It might be your signal to sprint. In this episode, Certified Mortgage Advisor and flips the script on every scary headline, panic-peddling post, and “maybe I should wait” whisper in your head. You’ll hear: Why 2025 is not 2008 What recessions usually do to mortgage rates (spoiler: it’s good) Why "buy now, refinance later" is a strategy—not a gamble How sellers are suddenly offering perks like closing cost credits and buydowns This episode isn’t about fear—it’s about facts. About action. About finally...
info_outline
Should You Tap Into Your Home’s Equity Now… or Wait?
Martini Mortgage Podcast
You scored the golden-ticket mortgage rate. 2.75%. Maybe 3.5%. The kind people brag about at dinner parties. But behind that shiny number? Credit card balances creeping up. A savings account that’s more “symbolic” than strategic. And an emergency fund that’s… well, a wish. Here’s the truth no one’s telling you: Your low mortgage rate might be costing you more than you think. In this episode, spills the no-fluff truth about cash-out refinancing in 2025. Yes, he said cash-out refi. And yes, it might be the smartest financial move you make this year—if you do it right. Forget the...
info_outline
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:...
info_outline
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...
info_outline
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!) ✔️...
info_outline
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...
info_outline
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...
info_outlineThink you need 20% down to buy your dream home? Think again. In episode 199 of the Martini Mortgage Podcast, Certified Mortgage Advisor and Raleigh Mortgage Broker Kevin Martini exposes the truth behind this all-too-common myth. Discover why waiting to save up could cost you more than you think and learn about loan programs that make homeownership possible with far less than 20%.
You’ll also hear how one client overcame this myth and found herself building equity sooner than she ever thought possible. If you’re holding onto outdated advice, this episode might be the game-changer you need.
Key Martini Mortgage Podcast Takeaways:
- The surprising truth about average down payments.
- Loan options that work for first-time buyers (and beyond).
- Why PMI isn’t the villain you think it is.
- How waiting can hurt your homeownership goals.
Listen now and share this episode of the Martini Mortgage Podcast with someone who needs to hear it. A little myth-busting could change their life.