Martini Mortgage Podcast

A myth is a widely held common thought but it is false.  Today, there are several myths about refinancing your current mortgage out there today.  One refinance myth is the Conventional Streamline Refinance…another one is that your rate has to be at least 1% better to make economic sense.  Kevin Martini shared the facts in the sixty-third episode of the Martini 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 no question, when you are buying a home for the first time or the fiftieth time there are many factors that you and your family should consider such as where you want to live, why do you want to buy or why do you want to sell and a very important one is who will help you along the way.  I truly believe that it should always be loan first than home and to help with the loan you should only work with an experience local mortgage strategist.  What are the MOST important factors to consider? Raleigh Mortgage Strategist Kevin Martini shares his  2 very important factors to watch in today’s real estate market and they will be discussed in this, the 62nd episode of the Martini Mortgage Podcast. For more 'things' that you should consider when buying a home in Raleigh, NC or anywhere in the U.S. ---> be sure to check out the Martini Buyer Guide (www.MartiniBuyerGuide.com).  It simply and effectively shares the current real estate opportunity.  Yes, the Martini Buyer Guide is FREE however it is packed with pri

Homeownership matters…there are financial benefits to owning a home and there are also social benefits to owning a home.  The homeownership rate is volatile, the homeownership rate in the U.S. for Q1of 2019 was 64.2%.  During Q2 & Q4 of 2004 the homeownership rate recorded its highest reading in modern history at 69.2%.  Right now, in my opinion, there is a ground floor opportunity for homeownership & this episode talks about the 4 Kevin Martini Reasons to be Optimistic about Homeownership.  Kevin Martini is not just the host of the Martini Mortgage Podcast…Kevin Martini has been in the financial services since the late 80’s and has exclusively worked in the mortgage arena since 2006 and is the Branch Manager and Senior Mortgage Strategist of the Martini Mortgage Group at Benchmark Mortgage which is headquartered in Raleigh, North Carolina.  In Episode 61 of the Martini Mortgage Podcast, Kevin Martini shares his 4 Reason to be Optimistic about Homeownership.  SPOILER ALERT: Number 1 is: the economy. 

There could be several reasons why one wants to own a home.  Some of the reason may be financial and some may be social however ready or not, Summer 2019 is here and there are 4 reasons to buy a home in summer 2019! Kevin Martini, the host of the Martini Mortgage Podcast explores these 4 reasons to buy a home this summer in episode 60 of the Martini Mortgage Podcast.  Kevin Martini is also the Senior Mortgage Strategist and Branch Manager of the Martini Mortgage Group at Benchmark Mortgage which is headquartered in Raleigh, NC and serves families all over the North Carolina and Virginia.  One of the many goals of the Martini Mortgage Podcast is share information so one can make an educated decision on whether homeownership is right for you and your family.  The topic of the 60th episode was inspired by the Summer 2019 Edition of the Martini Buyer Guide called: Things to Consider when Buying a Home.  The Martini Buyer Guide is free however it is packed with priceless information to help make an educated decis

Every season, Kevin Martini and Logan Martini with the Martini Mortgage Group at Benchmark Mortgage curate a homebuyer guide that simply and effectively communicates the current market opportunity.  Their Summer 2019 Homebuyer Guide is called: Things to Consider when Buying a Home.   The 59th episode of the Martini Mortgage Podcast is all about this priceless homebuyer guide.  Host, Kevin Martini will talk in detail about the 3 sections in the Summer 2019 Homebuyer Guide.  They are: Section I of Things to Consider When Buying a Home discusses what is happening in the housing market.  Section II of the Martini Homebuyer Guide highlights what you need to know before you buy a home.  In Section III ... it clearly illustrates what to expect when buying a home. “At the Martini Mortgage Group, we understand that purchasing a home is more than just one single event. It is a process. Part of the process is education hence, the Summer 2019 Edition of the Martini Buyer Guide.  There is truly no substitute for educati

Officially, June is National Homeownership Month however it really does not matter what month or day it is since it's always a great time to celebrate owing a home.  In the spirit of celebrating homeownership episode 058 is NOT about the financial benefits of owning home but about the Kevin Martini top 8 social benefits to owning a home. Homeownership is one the most covenanted goals people of all generations want to achieve since it is truly part of the American Dream and the benefits are not just social.  Your host of the Martini Mortgage Podcast, Kevin Martini, will share his top 8 social benefits to owning a home. Enjoy :) 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 a trusted Raleigh Mortgage Lender with the Martini Mortgage soup at Benchmark Mortgage and he is also the host of the Martini Mortgage Podcast.  In episode 057, Kevin Martini, will be talking about Annual Percentage Rate (a.k.a. APR). What is APR?  Is it a good tool to compare 2 products?  Should one use APR only to decide which home loan or mortgage they should get? APR (Annual Percentage Rate) was created to help a consumer compare 2 loan products.  It was created with and is used today with the purest of intentions however, it is my opinion, APR can be misleading.  Episode 057 defines what APR is and shows highlights some of the shortcomings. 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 question is not is not “if” a recession will happen, it is “when” it will happen. When it happens what will happen to housing market?  When it happens what will happen to housing values?  When it happens, will it be like the great recession of 2008? Episode 56 of the Martini Mortgage Podcast with Kevin Martini is called:  it is coming, recession If you assume that the next recession will be as bad as the one in 2008, you need to tune in.  If you believe that it has been too ling since the last recession and the next one is going to be worse, then you need to tune in.  Kevin Martini is the Branch Manager and Senior Mortgage Strategist with the Martini Mortgage Group at Benchmark Mortgage and has been in the financial services since the late 80’s and has been exclusively working in the mortgage arena since 2006.  Kevin most recent eBook is called: Things to Consider when Buying a Home — free access to this priceless information is available by going to: www.MartiniBuyerGuide.com Kevin Martini | NMLS ID 143

Mortgage Amortization is the gradual reduction of debt over a period of time…for a 30-year fixed mortgage, the given period of time is 360 months.  In the 55th episode of the Martini Mortgage Podcast, Kevin Martini discusses mortgage amortization and shares how to get mortgage-free faster.  With a fixed rate mortgage term, your mortgage payment remains constant however distribution of principal and interest is different every month.  In the beginning of your loan a disproportioned amount of your fixed payment goes towards interest and later in the loan it is inverted hence, more principal is retired. Raleigh, NC Mortgage Strategists Kevin Martini shares how to make a 30-year mortgage a 20-year in this episode and how to make a 30-year mortgage a 15-year mortgage too. If you or someone you know has questions about getting a mortgage or about the current mortgage rate environment, call Kevin Martini with the Martini Mortgage Group at Benchmark Mortgage. OH BY THE WAY…if you are in Instagram, check out @KevinMar

In this episode of the Martini Mortgage Podcast, your host, Kevin Martini will be spring the two very positive trends that are keeping housing affordable.  Let us share a sneak peak…mortgage rates and wage growth.  Kevin Martini is not just the host of the Martini Mortgage Podcast, he is the Branch Manager and Senior Mortgage Strategist of the Martini Mortgage Group at Benchmark Mortgage.   

Kevin Martini is not just the host of the Martini Mortgage Podcast.  Kevin Martini is a Mortgage Strategist and Branch Manager of the Martini Mortgage Group at Benchmark Mortgage which is located in Raleigh, North Carolina.  Episode 053 of the Martini Mortgage Podcast is about credit.  Did you know that, your credit score is determined by which type of company is pulling your credit? Did you know those free website that provide you with a credit score only provide a ‘perspective’ not an actual score that is used to determine if you qualify for debt?  Do you know the 5 components of your credit score for a mortgage?  These questions and more will be answered in episode 053 of the Martini Mortgage Podcast.  When one is looking to secure a mortgage the credit score is just 1 of 30+ things that are considered.  That is correct, credit is just one component and there are mortgage programs available with the Martini Mortgage Group if you have a bump or bruise on your credit.  The credit score is not the ONLY factor

There is no question there are financial benefits to buying a home and on episode 46 of the Martini Mortgage Podcast the top 5 financial reasons we shared but there are also mistakes one can make when buying home. The 52nd episode of the Martini Mortgage Podcast is called: 4 Homebuyer Mistakes. “There is no question that buying a home is a big decision.  I have seen families get so very excited and the excitement sometime leads to mistakes.” - Kevin Martini 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 which is located in Raleigh, North Carolina. Everyday, Kevin Martini helps families create wealth with real estate by securing the lowest cost of borrowing with the proper mortgage strategy and with post closing mortgage management. Kevin Martini | NMLS ID 143962 | Branch Manager | Martini Mortgage Group at Benchmark Mortgage | Ark-La-Tex Financial Services, LLC NMLS ID 2143 | 5

Shifts in real estate is part of a normal cycle and the gears do not need to grind, it can be very smooth and in my opinion that is what is happening in housing right now. On the aggregate, the housing market still provides a slight edge to sellers but that edge is not very steep, or as steep as it had been in the past. Is the real estate market balancing out?   Oh by the way, a balanced market is not a bad thing! Episode 51 of the Martini Mortgage Podcast is called: ‘Shift Happens’ and host Kevin Martini discusses the 3 things one needs to know in a shifting market.  1) What is happening in the housing market. 2) Why is it happening? 3) How is the local market impacted. 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 which is located in Raleigh, North Carolina. Everyday, Kevin Martini helps families create wealth with real estate by securing the lowest cost of borrowing with th

Some headlines are saying that a recession is coming in 2020.  Headlines do not tell the entire story especially when talking about housing and home loans.  The 50th episode (a.k.a. The Golden Edition) of the Martini Mortgage Podcast is about what has happened to housing values during the recessions of the past and what the experts believe will happen to housing values if another recession rears it head. Kevin Martini is not just the host of the Martini Mortgage Podcast, Kevin Martini is the Branch Manager and Senior Mortgage Strategist of the Martini Mortgage Group at Benchmark Mortgage and has been helping families in Raleigh and all over North Carolina with trusted mortgage advice since 2006.  What is a recession?  Simply put, a recession is a temporary economic slow down.  The key word is temporary!  A recession is part of a normal economics cycle - there should never be a question of ‘IF’ a recession will happen, because it will happen.  In fact, some recessions happen and they are over before we even kn

Only in North Carolina can you experienced all 4 seasons within one week.  Now it is official Spring!  Spring is a great time to buy a home and Kevin Martini, the host of the Martini Mortgage Podcast shares the top 4 reasons to buy a home and get a mortgage this Spring in the 49th episode of the Martini Mortgage Podcast.  Kevin Martini | NMLS ID 143962 | Branch Manager | Martini Mortgage Group at Benchmark Mortgage | Ark-La-Tex Financial Services, LLC NMLS ID 2143 | 5650 Six Fork Road, Suite 101, Raleigh, NC 27608 | (919) 238-4934 | www.KevinMartini.com | Kevin@KevinMartini.com | Equal Housing Opportunity 

In this episode of the Martini Mortgage Podcast, host Kevin Martini, will be having a conversation with Rachel Kendall and Mahala Landin with the International Award-Winning Real Estate Team: The Rachel Kendal Team.  Rachel is the founder and leader of the Rachel Kendall Team and Mahala Landin is the managing director.  There mission is laser sharp; helping families create homes one house at a time…you know what else is very sharp, these two ladies are!  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 which is located in Raleigh, North Carolina and servicing families all over the great state of North Carolina.  The video edition of the 48th episode of the Martini Mortgage Podcast is available bu going to www.MartiniMortgagePodcast.com or by going to www.MarttiniTV.com - If you have any questions about this episode or if you want/need mortgage help, please call Kevin Martini at t

It does not matter if you are buying your first home ever or you are purchasing your fifth, there is NEVER a substitute for education on home prices and the market.  Kevin Martini, the host of the Martini Mortgage Podcast has just published the Spring 2019 Homebuyer eBook called: “Things to Consider when Buying a Home.  This eBook is available for FREE by going to www.MartiniBuyerGuide.com The 47th episode of the Martini Mortgage Podcast is all about the things to consider when buying a home.  Host, Branch Manager and Senior Mortgage Strategist Kevin Martini talks about what is happening in the housing market and you will have a glimpse of the factors to watch today's real estate market…to include a peek at home prices over the last year and much more.  In addition, Kevin Martini will discuss, what you need to know before you buy and give a high level of the lingo in the mortgage and real estate world.  Finally, Kevin Martini will about the expectations one should have when buying a home and getting a mortgag

On the path to wealth is owning real estate…at the end of the day, we all need a roof over head - some will rent, and that is OK, there is a time to rent however that time is not now. Right now, I mean today, there are many benefits for homeownership and in the 46th episode of the Martini Mortgage Podcast, Kevin Martini highlights his #KevinMartiniLive Top 5. Kevin Martini is not just the host of the Martini Mortgage Podcast, he is the Branch Manager and Senior Mortgage Strategist of the Martini Mortgage Group which is located in Raleigh North Carolina.  So this episode of the Martini Mortgage Podcast and all episode for that matter are based on real world experiences and curated to simply and effective communicate the current opportunity for one thinking of buying, selling or investing in real estate. WARNING: no podcast, no smart phone app or website can determine if buying a home is right for you and your family.  Only you will know if homeownership is right after having  stress-free confidential conversat

It is less affordable to buy a home today than it was during the last 10-years!  By the end of this year, next year and next the next decade, homeownership is going to continue to get less affordable.  Even if home prices appreciate at a slower rate than they have in the past, in the coming years, home affordability will slide.  Now even though it is more expensive today as compared to a decade ago, home affordability is less than it was prior to the housing correction.  Kevin Martini | NMLS ID 143962 | Branch Manager | Martini Mortgage Group at Benchmark Mortgage | Ark-La-Tex Financial Services, LLC NMLS ID 2143 | 5650 Six Fork Road, Suite 101, Raleigh, NC 27608 | (919) 238-4934 | www.KevinMartini.com | Kevin@KevinMartini.com | Equal Housing Opportunity 

There is no question that real estate builds wealth and mortgage strategist Kevin Martini discusses this topic in the 44th episode of the Martini Mortgage Podcast.  One way real estate creates wealth by appreciation.  Simply put appreciation is the increase in the home value over time.  According to Zillow, nationally, there was over a 7% increase in appreciation in 2018…they predict over 6% appreciation in 2019.  Another way that real estate creates wealth is when you have a mortgage.  A mortgage allows you to multiple your return on investment. There is no connection between appreciation and the amount of money that you have invested to purchase the home…in other words, if you paid cash for a home or if you financed it with a the help of an experienced local trusted mortgage strategist your appreciation is the same.  “A house does not care how much you put down…it is going to appreciate at the same rate regardless if you have a mortgage or not.” Kevin Martini, Senior Mortgage Strategist of the Martini Mortg