Your credit is more important than ever today.  In this special episode of the Martini Mortgage Podcast, Certified Mortgage Advisor Kevin Martini shares 3 (proven) credit score hacks to increase your credit score for the purchase a home and secure a mortgage. If you do not have healthy credit, these 3 secret credit score hacks will improve your turbo fast.  If your credit score is already health, these proven strategies will be like giving your credit score steroids.  ENJOY :) Kevin Martini | NMLS 143962 | Certified Mortgage Advisor and Branch Manager | Martini Group at Cardinal Financial Company, Limited Partnership, NMLS 66247 | 507 N Blount St Raleigh, NC 27604 | (919) 238-4934 | www.MartiniMortgage.com | Kevin@KevinMartini.com | Equal Housing Opportunity

Martini Mortgage Podcast

3 Credit Score Hacks

This special episode of the Martini Mortgage Podcast provides an audio glimpse into the Fall 2021 homebuyer guide that simply and effectively communicates the current real estate and home loan rate opportunity.    The Fall 2021 Homebuyer Guide is not just for first-time homebuyers, it is also for current homeowners that wish to be a repeat homeowners and fro people that work in the real estate arena.  There are many things to consider when buying a home regardless of your experience and that is why Certified Mortgage Advisor Kevin Martini and Senior Mortgage Strategist Logan Martini publish every season the Martini Buyer Guide.  The Fall 2021 Edition of the Martini Buyer Guide goes beyond today’s headlines to provide accurate housing market analysis and home loan information to help one that is thinking of buying real estate and getting a mortgage with facts based on pure data. Kevin Martini | NMLS 143962 | Certified Mortgage Advisor and Branch Manager | Martini Group at Cardinal Financial Company, Limited Partnership, NMLS 66247 | 507 N Blount St Raleigh, NC 27604 | (919) 238-4934 | www.MartiniMortgage.com | Kevin@KevinMartini.com | Equal Housing Opportunity

Fall 2021 Homebuyer Guide

There is not a ‘one-size-fits-all’ roadmap to financial health. On the journey to financial wellbeing is owning real estate.  For many the ultimate goal is financial freedom and to secure financial freedom owning a home is a the cornerstone.  Homeownership has financial benefits that can create generational wealth.  In addition, there are intangible benefits to owning a home too. Certified Mortgage Advisor, Kevin Martini, shares the 7 Financial Freedom Reason to Own a Home in this Special Edition of the Martini Mortgage Podcast (episode 127).  SPOILER ALERT: homeownership plays an active role in creating financial freedom.  Some of the many topics discussed in this life changing episode are: net worth, leverage, forced savings and tax benefits to name a few. Enjoy :) Kevin Martini | NMLS 143962 | Certified Mortgage Advisor and Branch Manager | Martini Group at Cardinal Financial Company, Limited Partnership, NMLS 66247 | 507 N Blount St Raleigh, NC 27604 | (919) 238-4934 | www.MartiniMortgage.com | Kevin@KevinMartini.com | Equal Housing Opportunity

7 Financial Freedom Reasons to Own a Home

Are younger people and millennials’  interested in purchasing a home?  YES THEY ARE and they driving the homeownership growth today.  You know what else is driving the homeownership growth rate?  Historic home loan rates.  Certified Mortgage Advisor Kevin Martini talks about if purchasing a home still makes sense in this special episode of the Martini Mortgage Podcast. BONUS Kevin Martini Talking Points:  #1:  ‘it isn’t a challenge, it is an opportunity’ #2: ‘a better long-term decision’ #3: ‘who’s wealth do you want to build’   Kevin Martini | NMLS 143962 | Certified Mortgage Advisor and Branch Manager | Martini Group at Cardinal Financial Company, Limited Partnership, NMLS 66247 | 507 N Blount St Raleigh, NC 27604 | (919) 238-4934 | www.MartiniMortgage.com | Kevin@KevinMartini.com | Equal Housing Opportunity

Are Young People Buying Homes?

Recently there has been a lot of conversations and headlines about home affordability especially since homes have appreciated dramatically in the last 12-months.  In this special episode of the Martini Mortgage Podcast, Certified Mortgage Advisor Kevin Martini answers the question if homes are really still affordable.   Kevin Martini | NMLS 143962 | Certified Mortgage Advisor and Branch Manager | Martini Group at Cardinal Financial Company, Limited Partnership, NMLS 66247 | 507 N Blount St Raleigh, NC 27604 | (919) 238-4934 | www.MartiniMortgage.com | Kevin@KevinMartini.com | Equal Housing Opportunity

Are homes really still affordable?

It does not matter if you are first-time homebuyer, repeat homebuyer, a seller of a house or a homeowner — you need to know the current hot topics about the housing market.  There has been a major shift in the housing market and in this special episode of the Martini Mortgage Podcast, Certified Mortgage Advisor Kevin Martini shares the 3 talking points in the hosting market right now.     Kevin Martini | NMLS 143962 | Certified Mortgage Advisor and Branch Manager | Martini Group at Cardinal Financial Company, Limited Partnership, NMLS 66247 | 507 N Blount St Raleigh, NC 27604 | (919) 238-4934 | www.MartiniMortgage.com | Kevin@KevinMartini.com | Equal Housing Opportunity

3 talking points in the housing market

It is not what 1 person thinks about where real estate is headed — it is what the top 100+ economists, investment strategists, and housing market analysts regarding their 5-year expectations for future home values in the U.S. Certified Mortgage Advisor, Kevin Martini, shares the break down of the most recent Home Price Expectation Survey in Episode 123 of the Martini Mortgage Podcast. To include, the year-by year predications and what these predication mean for future homebuyers and current homeowners. Kevin Martini is not just the host of the Martini Mortgage Podcast, he is a Certified Mortgage Advisor and producing Manager of the Martini Group at Cardinal Financial Company which is locates in Raleigh, North Carolina but helping families all over the U.S.  Kevin Martini | NMLS 143962 | Certified Mortgage Advisor and Branch Manager | Martini Group at Cardinal Financial Company, Limited Partnership, NMLS 66247 | 507 N Blount St Raleigh, NC 27604 | (919) 238-4934 | www.KevinMartini.com | Kevin@KevinMartini.com | Equal Housing Opportunity

Future Home Values

With the increase of home values in the recent years, some are voicing concerns that we may be in another housing bubble like the one we experienced a little over a decade ago.  It is understandable how one could have this perception of the real estate market without full access  to all of the data.  The data is indisputable, 2021 is NOTHING like 2008 and Kevin Martini shares the 3 reason it is not a bubble, it is an opportunity in episode 122 of the Martini Mortgage Podcast. Kevin Martini | NMLS 143962 | Certified Mortgage Advisor and Branch Manager | Martini Group at Cardinal Financial Company, Limited Partnership, NMLS 66247 | 507 N Blount St Raleigh, NC 27604 | (919) 238-4934 | www.KevinMartini.com | Kevin@KevinMartini.com | Equal Housing Opportunity

It’s not a bubble, it is OPPORTUNITY!

Right now there is a ton of chatter about the real estate market and mortgage rates.  Not just ‘want-to-be’ homebuyers are asking question, even current homeowners are asking question too…this episode of the Martini Mortgage Podcast, with Certified Mortgage Advisor Kevin Martini, goes beyond the headlines and into the real data about buying a home this summer.  Kevin Martini | NMLS 143962 | Certified Mortgage Advisor and Branch Manager | Martini Group at Cardinal Financial Company, Limited Partnership, NMLS 66247 | 507 N Blount St Raleigh, NC 27604 | (919) 238-4934 | www.KevinMartini.com | Kevin@KevinMartini.com | Equal Housing Opportunity

Buying a home this Summer

Today, the level of equity homeowners have is at an all-time high. This epic home equity position is prompting  many homeowners to to ask if they should stay and refinance their current home or should the list their home for sale and upgrade into a better home that will fit their needs.   For those considering to stay, should they refinance to a lower rate or a lower term.  If they stay, should they unleash some of the equity via a cash-out refinance to restructure their family debt and lower their monthly outflows. If they stay, are they in the right mortgage product?  A lot of questions for a homeowner to consider today if they want to stay. For those considering to go it may because they have realized that their current house will not meet the needs of their family in the future or worse, they have currently outgrown their current home.   Certified Mortgage Advisor, Kevin Martini with the Martini Group at Cardinal Financial Company provides priceless feedback for homeowners that are asking if they should stay or if they should go. Kevin Martini | NMLS 143962 | Certified Mortgage Advisor and Branch Manager | Martini Group at Cardinal Financial Company, Limited Partnership, NMLS 66247 | 507 N Blount St Raleigh, NC 27604 | (919) 238-4934 | www.KevinMartini.com | Kevin@KevinMartini.com | Equal Housing Opportunity

Should I stay or should I go?

Certified Mortgage Advisor, Kevin Martini, hosts episode 119 of the Martini Mortgage Podcast which is titled: “5 Powerful Reasons to Own a Home”. There is nothing wrong with renting and there is a time to rent however that time is not now when you consider the 5 Kevin Martini Powerful Reasons to Own a Home that are shared in this episode.  Perfect credit is needed and large down payment is required are just a couple of the fairy tales that are preventing people from getting involved in homeownership and experiencing the the powerful reason to own a home.   The 5 reason that will be discussed in detail with feature and benefit are:  1- You are paying for housing whether you rent or own. 2- Housing is one of the only leveraged investments available today. 3- Owning a home is usually a form of forced savings.  4- There may be substantial tax benefits to owning a home. 5- Owning a home is a hedge against inflation.   Is owning a home right for you and your family?  I do not know but what I do know is one should make the decision based on facts if homeownership is right for them.  The fact finding journey starts with a clear understanding of the 5 Powerful Reasons to Own a Home. “In my professional opinion owning a home has been and will always be better from a financial standpoint than renting”. Kevin Martini  For more information about homeownership and about secure the right mortgage visit www.MartiniMortgage.com or call Kevin Martini who is a  Certified Mortgage Advisor and Producing Branch Manager of the Martini Group at Cardinal Financial Company, Kevin Martini | NMLS 143962 | Certified Mortgage Advisor and Branch Manager | Martini Group at Cardinal Financial Company, Limited Partnership, NMLS 66247 | 507 N Blount St Raleigh, NC 27604 | (919) 238-4934 | www.KevinMartini.com | 

5 Powerful Reasons to Own a Home

Many people today are sitting on the fence trying to decide if now is the right time to buy a home.  To help determine if now it the right time to buy or is it better to wait 12-months you have to answer ‘YES’ to one of these 2 questions: Question #1: Do you think home values will be higher a  year from now? Question #2: Do you think mortgage rates will be higher a year from now?  Episode 118 of the Martini Mortgage Podcast with Certified Mortgage Advisor Kevin Martini will share forecast data from  industry experts the direction of home appreciation and mortgage rates.   Enjoy:)  Kevin Martini | NMLS 143962 | Certified Mortgage Advisor and Branch Manager | Martini Group at Cardinal Financial Company, Limited Partnership, NMLS 66247 | 507 N Blount St Raleigh, NC 27604 | (919) 238-4934 | www.KevinMartini.com | Kevin@KevinMartini.com | Equal Housing Opportunity  

Why wait?

What is the outlook for the mortgage markets…what is the outlook for the housing market and what is the outlook for the economy in 2021?  Will interest rates rise in the year ahead?  Did you miss the opportunity to refinance?  Did you miss the opportunity to buy a home at an epic home loan rate? Will housing remain strong in 2021?  So many questions & they all will be answered in this special episode of the Martini Mortgage Podcast.    Chief Mortgage Strategist Kevin Martini will be discussing his 2021 predications on where home loan rates will be in 2021 and he will be sharing thoughts on whether housing will continue to be green and growing in 2021.     Kevin Martini | NMLS ID 143962 | Chief Mortgage Strategist and Branch Manager | Martini Mortgage Group at Benchmark Mortgage | Ark-La-Tex Financial Services, LLC NMLS ID 2143 | 507 N Blount St Raleigh, NC 27604 | (919) 238-4934 | www.KevinMartini.com | Kevin@KevinMartini.com | Equal Housing Opportunity

2021 Interest Rate and Housing Outlook

If you are a first-time home buyer in North Carolina or a military veteran buying a home in North Carolina then you may be eligible for $8,000 in downpayment assistance with the North Carolina First Home Advantage Downpayment Program offered by the (a.k.a. NCHFA) with loan originated by the Martini Mortgage Group at Benchmark Mortgage which is based in Raleigh, North Carolina however serving all 100 counties in North Carolina.   This very unique program does NOT require a minimum investment from the homebuyer nor does this unique home loan offering put asset limitations on the homebuyer.  For more information about the North Carolina First Home Advantage Downpayment Program listen to this special episode of the Martini Mortgage podcast which is hosted by Chief Mortgage Strategist, Kevin Martini.   Kevin Martini | NMLS ID 143962 | Chief Mortgage Strategist and Branch Manager | Martini Mortgage Group at Benchmark Mortgage | Ark-La-Tex Financial Services, LLC NMLS ID 2143 | 507 N Blount St Raleigh, NC 27604 | (919) 238-4934 | www.KevinMartini.com | Kevin@KevinMartini.com | Equal Housing Opportunity

$8K for downpayment in NC

Chief Mortgage Strategist Kevin Martini hosts episode 114 of the Martini Mortgage Podcast which is about the new 2021 Conforming Loan Limits for Fannie Mae and Freddie Mac home loans.   Fannie Mae and Freddie Mac maximum conforming loan limits for 2021 will increase to $584,250 according to the Federal Housing Finance Agency (FHFA) November 24, 2020 Press Release.  The 2021 maximum conforming loan limits will increase $37,850 from the 2020 level.  In 2020 the maximum conforming loan limit was $510,400 however in 2021 the new maximum conforming loan limit will be $584,250. Kevin Martini | NMLS ID 143962 | Chief Mortgage Strategist and Branch Manager | Martini Mortgage Group at Benchmark Mortgage | Ark-La-Tex Financial Services, LLC NMLS ID 2143 | 507 N Blount St Raleigh, NC 27604 | (919) 238-4934 | www.KevinMartini.com | Kevin@KevinMartini.com | Equal Housing Opportunity   

2021 Fannie Mae and Freddie Mac Conforming Loam Limits

Kevin Martini with the Martini Group at Benchmark Mortgage is known for helping his Clients and Real Estate Partners create wealth through real estate with a mortgage. Kevin Martini and the entire Martini Mortgage Group have a unique way to simply and effectively communicate the current home loan and market opportunities. It is not just a house...it is a home. Listen and see for your self...enjoy:)

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Martini Mortgage Podcast

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