Martini Mortgage Podcast

Coronavirus Mortgage Relief and Opportunity Options is a special episode of the Martini Mortgage Podcast to help one understand their relief options and for one to understand their opportunities if they are a homeowner or want to be a homeowner.     Kevin Martini | NMLS ID 143962 | Senior Mortgage Strategist & Branch Manager | Martini Mortgage Group at Benchmark Mortgage | Ark-La-Tex Financial Services, LLC NMLS ID 2143 | 507 N Blount Street Raleigh, NC 27604 | (919) 238-4934 | www.KevinMartini.com | Kevin@KevinMartini.com | Equal Housing Opportunity

WHAT NO ONE IS TELLING YOU - important information if you are thinking of buying a home for the first or if you are a repeat homebuyer & are getting a mortgage…important information if you are thinking of refinancing your current home loan into a lower rate or to a different term…important information is you work in the real estate area as a Realtor.   No one I talking about the fact that the mortgage industry is anticipating a serving runoff and this could impact who qualifies and what rate they get.   This episode of the Martini Mortgage Podcast with Kevin Martini shares the story that no one is talking about.   Kevin Martini | NMLS ID 143962 | Senior Mortgage Strategist & Branch Manager | Martini Mortgage Group at Benchmark Mortgage | Ark-La-Tex Financial Services, LLC NMLS ID 2143 | 223 S West Street, Suite 900 Raleigh, NC 27603 | (919) 238-4934 | www.KevinMartini.com | Kevin@KevinMartini.com | Equal Housing Opportunity 

There is no question that the full impact of the Coronavirus is still not known and it is creating uncertainty however with uncertainty there is opportunity for families the have a mortgage today…there is an opportunity for families that are in a house the will not meet their long term needs…there is an opportunity for someone to stop renting and become a homeowner— enjoy this Special video edition of the Martini Mortgage Podcast — it is called: Coronavirus, Real Estate and Mortgages For the video edition of this special edition of the Martini Mortgage Podcast go to: https://youtu.be/q4h22o2NS6M

Private Mortgage Insurance (a.k.a. PMI) is a good thing!  Without PMI a 20% does payment would be required to secure a conforming home loan — PMI allows one to buy a home with less than 20% down.  The monthly cost fo PMI depends on the home’s value, the amount of your down payment and your credit score.  Once you have built equity of 20% in your home, you can cancel your PMI and remove that expense from your mortgage payment.  That is correct, one can purchase a home with less than 20% down and PMI  in cancellable.    Kevin Martini | NMLS ID 143962 | Senior Mortgage Strategist & Branch Manager | Martini Mortgage Group at Benchmark Mortgage | Ark-La-Tex Financial Services, LLC NMLS ID 2143 | 223 S West Street, Suite 900 Raleigh, NC 27603 | (919) 238-4934 | www.KevinMartini.com | Kevin@KevinMartini.com | Equal Housing Opportunity 

Is real estate the best investment one can make today? As a primer, there is never a wrong time to make the right investment.  In addition, buying a home is smarter than renting.  It is my opinion, that right now is one of the best times in history to buy real estate.  Episode 94 of the Martini Mortgage Podcast will highlight why real estate is the bet investment one can make.   Kevin Martini | NMLS ID 143962 | Senior Mortgage Strategist & Branch Manager | Martini Mortgage Group at Benchmark Mortgage | Ark-La-Tex Financial Services, LLC NMLS ID 2143 | 223 S West Street, Suite 900 Raleigh, NC 27603 | (919) 238-4934 | www.KevinMartini.com | Kevin@KevinMartini.com | Equal Housing Opportunity 

Homeownership is not right for everyone but if it is right for you and your family it is important that you know the financial benefits of owning a home.  Raleigh Mortgage Lender Kevin Martini shares his 6 financial benefits of owning a home in this special episode of Mortgage Podcast. Kevin Martini | NMLS ID 143962 | Senior Mortgage Strategist & Branch Manager | Martini Mortgage Group at Benchmark Mortgage | Ark-La-Tex Financial Services, LLC NMLS ID 2143 | 223 S West Street, Suite 900 Raleigh, NC 27603 | (919) 238-4934 | www.KevinMartini.com | Kevin@KevinMartini.com | Equal Housing Opportunity 

There is nothing wrong with renting and there is a time to rent however that time is not now.  Year after year after year rents have gone up and there is no sign of this uptick stopping however there is a way that you can lock in your housing costs and that is with a fixed rate mortgage. Episode 092 of the Martini Mortgage Podcast with Kevin Martini is called: If you Rent and Want to Buy a Home “I have found that many people overestimate the amount of downpayment that is needed to buy a home and secure a mortgage…I have also found that many people overestimate what their credit score needs to be.”  Kevin Martini, Branch Manager and Senior Mortgage Strategist at the Martini Mortgage Group with Benchmark Mortgage Kevin Martini | NMLS ID 143962 | Senior Mortgage Strategist & Branch Manager | Martini Mortgage Group at Benchmark Mortgage | Ark-La-Tex Financial Services, LLC NMLS ID 2143 | 223 S West Street, Suite 900 Raleigh, NC 27603 | (919) 238-4934 | www.KevinMartini.com | Kevin@KevinMartini.com | Equal Hou

Payment history, the amount owed, length of credit, type of credit used and new credit is just some of the information on your credit report and this is also some of the items that determine your what your credit score is.  Episode 091 is about credit reports and credit scores. Kevin Martini | NMLS ID 143962 | Senior Mortgage Strategist & Branch Manager | Martini Mortgage Group at Benchmark Mortgage | Ark-La-Tex Financial Services, LLC NMLS ID 2143 | 223 S West Street, Suite 900 Raleigh, NC 27603 | (919) 238-4934 | www.KevinMartini.com | Kevin@KevinMartini.com | Equal Housing Opportunity 

There are great advantages to owning a home, yet many people continue to rent. Now do not get me wrong…there is a time to rent HOWEVER in my opinion, that time is not now.  Renting right now may be a very shortsighted option.   In this episode of the Martini Mortgage Podcast, Kevin Martini with the Martini Mortgage Group shares the true cost of not buying a home. Kevin Martini | NMLS ID 143962 | Senior Mortgage Strategist & Branch Manager | Martini Mortgage Group at Benchmark Mortgage | Ark-La-Tex Financial Services, LLC NMLS ID 2143 | 223 S West Street, Suite 900 Raleigh, NC 27603 | (919) 238-4934 | www.KevinMartini.com | Kevin@KevinMartini.com | Equal Housing Opportunity 

Are home affordable today?  Some folks have the perception homes are less affordable today than they have been in the past.  It is easy to understand why one would have this sentiment since home values have been going up year, after year, after year however perception is not reality. Episode 089 of the Martini Mortgage Podcast with Kevin Martini is about home affordability and during the episode the National Association of Realtors (NAR) Housing Affordability Index will be discussed…towards that end, below is the Housing Affordability Index from 1990 to today. Kevin Martini | NMLS ID 143962 | Senior Mortgage Strategist & Branch Manager | Martini Mortgage Group at Benchmark Mortgage | Ark-La-Tex Financial Services, LLC NMLS ID 2143 | 223 S West Street, Suite 900 Raleigh, NC 27603 | (919) 238-4934 | www.KevinMartini.com | Kevin@KevinMartini.com | Equal Housing Opportunity 

2020 is here and how will mortgage rates react in this new decade?  Will home sales remain the same, slow down or accelerate in 2020?  Will home values continue to rise or will they slide in 2020?  It is not my narrative that one should consider but the narrative of the what the industries most trusted entities have to say (e.g. CoreLogic, Fannie Mae, Freddie Mac, National Association of Realtors {NAR}, Mortgage Bankers Association {MBA}). This episode of the Martini Mortgage Podcast was curated to share what the experts think is going to happen in 2020 as it relates to mortgage rates, home sales and Home values. Kevin Martini is not just the host of the Martini Mortgage Podcast…he is also the Branch Manager and Senior Mortgage Strategist of the Martini Mortgage Group at Benchmark Mortgage.  Kevin Martini provides the families he works with trusted advice with a frictionless loan process — if you have questions about what you hear on the Martini Mortgage Podcast or questions about the current home loan rat

A very special program offered to first-time home buyers or military veterans or one that is buying in a targets cents tract is a tax credit. A tax credit is materially different from a tax deduction…in short, the difference between a deduction and credit is a credit directly decreases the amount of tax you owe while a deduction lowers your overall amount of tax.  Raleigh mortgage lender Kevin Martini hosts the 87th episode of the Martini Mortgage Podcast and is is about the Mortgage Credit Certificate (MCC) (a.k.a. the Tax Credit for First-Time Home Buyers). Oh by the way, every season Kevin Martini and Logan Martini co-author a homebuyer guide called: Things to Consider When Buying a Home.  It simply and effectively communicates the current ground floor opportunity. www.MartiniBuyerGuide.com Kevin Martini | NMLS ID 143962 | Senior Mortgage Strategist & Branch Manager | Martini Mortgage Group at Benchmark Mortgage | Ark-La-Tex Financial Services, LLC NMLS ID 2143 | 223 S West Street, Suite 900 Raleigh,

So you have been thinking of buying a home however it is now winter…let me share a Kevin Martini fact with you…buying a home for the first time or as a repeat homebuyer in the winter is smart.  In fact there are several advantages to buying a home during the winter and in this episode of the Martini Mortgage Podcast, I am going to share the 4 reason to buy a home this winter. SPOLIER ALERT: Kevin Martini is not just the host of the Martini Mortgage Podcast...he is the Branch Manager and Senior Mortgage Strategist with the Martini Mortgage Group at Benchmark Mortgage which is located in Raleigh, North Carolina.  In this episode, Kevin will go into detail on price, home loan rates and more.   4 Reasons to Buy a Home in Winter 2020 is based on an article in the Winter Edition of the Martini Buyer Guide called: Things to Consider when Buying a Home -- this is a free publication that simply explains what is going on in the market and what you need to know before you buy and what to expect when you buy a home. K

Buying a home is a process not an event. Whenever you are buying a home, the home should always be second NOT first — the first step is always the loan and even before the loan is education.  There is never a substitute for education especially when you are buying such a big asset and creating such a large debt.  This episode of the Martini Mortgage Podcast is called: Things to Consider when Buying a home - the Winter 2020 edition of the Martini Buyer Guide that is co-authored by Kevin Martini and Logan Martini.    The host of the Martini Mortgage Podcast is Kevin Martini and he is also a Mortgage Strategist and Branch Manager of the Martini Mortgage Group at Benchmark Mortgage which has its headquarters in Raleigh, North Carolina.  The Winter 2020 Edition of the Martini Buyer Guide is curated to simply and effectively communicate the current ground floor opportunity for first-time and repeat homebuyers.  This opportunity is not limited to Raleigh or the Triangle or North Carolina -- this is happening in ever

What is a Silver Tsunami?  It is a metaphor used describe the aging population. This episode of the Martini Mortgage Podcast with Kevin Martini is about the Silver Tsunami which will impact every housing market in the U.S.  As Baby Boomer's age they will be leaving their current owner occupied home and that home is likely to hit the market and cause a flood of inventory in certain markets. What markets are likely to be impacted by the Silver Tsunami…will Raleigh, North Carolina be impacted by the Silver Tsunami?   Kevin Martini | NMLS ID 143962 | Senior Mortgage Strategist & Branch Manager | Martini Mortgage Group at Benchmark Mortgage | Ark-La-Tex Financial Services, LLC NMLS ID 2143 | 223 S West Street, Suite 900 Raleigh, NC 27603 | (919) 238-4934 | www.KevinMartini.com | Kevin@KevinMartini.com | Equal Housing Opportunity 

Kevin Martini is the host of the Martini Mortgage Podcast and on Episode 083 shares the #KevinMartiniLive ‘Skip the Coffee’ concept.  Skip the Coffee is a concept that Kevin Martini developed based on the premise that one should look at small purchases the same way they look at large purchases. “If one took a serious look at the small things they spent money and said no to that latte and allocated those monies towards their home loan principal, they could make a huge difference in getting your mortgage paid off faster”. - Kevin Martini Carving out of you daily budget just $5.00 a day (e.g. $150) a month could save years off your mortgage.. WHAT IF… you could just add $5.00 dollars a day to your principal. Would it matter? Listen and find out. If you or someone you know has questions about the Kevin Martini Skip the Coffee concept or questions about the Raleigh mortgage rate environment or questions about the unique mortgage products the Martini Mortgage Group at Benchmark Mortgage offers, just reach out to us

The VA Home Loan helps Servicemembers, Veterans and eligible surviving spouses become homeowners.  The VA Home Loan is not a ‘one-time’ benefit — this home loan solution can be used more than once and in certain circumstances one could have 2 VA Home Loans at the same time. This is the best home loan options available, as it should be…effective January 1, 2020 the VA Home Loan is even getting better via the Blue Water Navy Vietnam Veterans Act of 2019.  Raleigh Mortgage Lender, Kevin Martini hosts episode of 82 of the Martini Mortgage Podcast which is about the what you need to know about the Blue Water Navy Vietnam Veterans Act of 2019. Kevin Martini | NMLS ID 143962 | Senior Mortgage Strategist & Branch Manager | Martini Mortgage Group at Benchmark Mortgage | Ark-La-Tex Financial Services, LLC NMLS ID 2143 | 223 S West Street, Suite 900 Raleigh, NC 27603 | (919) 238-4934 | www.KevinMartini.com | Kevin@KevinMartini.com | Equal Housing Opportunity

The FHA Home Loan is one of the most misunderstood mortgage program not just with home buyers but also by many real estate professionals so in turn, it become confusing to home sellers too.  The host of the Martini Mortgage Podcast and the Senior Mortgage Strategist of the Martini Mortgage Group is Kevin Martini … this episode is about the FHA Home Loan solution…the credit score needed may surprise you but do not be tricked, the FHA Home Loan  is not just for one that has a bump of bruise on their credit — many people with flawless credit select this solution too since there are many features of the FHA Home Loan that are not offered by other mortgage products. Kevin Martini | NMLS ID 143962 | Senior Mortgage Strategist & Branch Manager | Martini Mortgage Group at Benchmark Mortgage | Ark-La-Tex Financial Services, LLC NMLS ID 2143 | 223 S West Street, Suite 900 Raleigh, NC 27603 | (919) 238-4934 | www.KevinMartini.com | Kevin@KevinMartini.com | Equal Housing Opportunity

The housing boom is just beginning in Raleigh, North Carolina and the housing boom is not exclusive to the Triangle of North Carolina, it is happening all over North Carolina and the U.S. too!  It is the opinion of many experts, the most important driver of home prices is supply and demand. Right now supply has some challenges and there is a ton of demand and that demand is not based on speculation…it is based on need because of the current age of the populations. Trusted Raleigh mortgage lender Kevin Martini hosts episode 80 of the Martini Mortgage Podcast which is called: The Housing Boom is just Beginning right NOW! If you are thinking of buying a home or selling a house there are many things to consider and to help with the discovery of those items to consider check out the Martini Buyer Guide called: Things to Consider when Buying a Home  - it simply and effectively communicates what you need to know. Kevin Martini | NMLS ID 143962 | Senior Mortgage Strategist & Branch Manager | Martini Mortgage Grou

Congratulations! You have started the home buying process and have your mortgage approval or you’ve found a home to buy and have applied for a mortgage! It is exciting and undoubtedly your excited about the opportunity to decorate your new home, but before you make any large purchases, move your money around, or make any big-time life changes, consult with your mortgage strategist because there are things that you could do that WILL impact your approval. Episode 79 of the Martini Mortgage Podcast with Raleigh mortgage lender Kevin Martini highlights the things to avoid after applying for a mortgage…it is called: 7 things to avoid after applying for a mortgage Kevin Martini | NMLS ID 143962 | Senior Mortgage Strategist & Branch Manager | Martini Mortgage Group at Benchmark Mortgage | Ark-La-Tex Financial Services, LLC NMLS ID 2143 | 223 S West Street, Suite 900 Raleigh, NC 27603 | (919) 238-4934 | www.KevinMartini.com | Kevin@KevinMartini.com | Equal Housing Opportunity