Martini Mortgage Podcast

Kevin Martini

Kevin Martini with the Martini Group at PCL Financial 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. FACT: It is not just a house...it is a home. Listen and hear for your self...enjoy:) Kevin Martini | NMLS 143962 | Certified Mortgage Advisor and Producing Branch Manager | Martini Mortgage Group at PCL Financial Group (powered by Celebrity Home Loans, LLC NMLS 227765) | 507 N Blount St Raleigh, NC 27604 | (919) 238-4934 | www.MartiniMortgageGroup.com | Kevin@MartiniMortgageGroup.com | nmlsconsumeraccess.org |Equal Housing Lender read less

resilience of home prices
May 17 2023
resilience of home prices
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. Kevin Martini | NMLS 143962 | Certified Mortgage Advisor | Martini Mortgage Group at Gold Star Mortgage Financial Group, Corporation | NMLS # 3446 | 507 N Blount St, Raleigh, NC 27604 | (919) 238-4934 | www.MartiniMortgageGroup.com | Kevin@MartiniMortgageGroup.com | Equal Housing Lender
The S.T.A.N.D. System
May 9 2023
The S.T.A.N.D. System
In today's competitive housing market, multiple offers and bidding wars are becoming increasingly common. As a home buyer, it's essential to make your offer as attractive as possible to stand out from the competition and secure your dream home. In this special episode of the Martini Mortgage Podcast, Certified Mortgage Advisor and Raleigh mortgage broker Kevin Martini share the S.T.A.N.D. system, a unique and proven tactic for homebuyers to deploy to stand out in a competitive housing market or any market.  The S.T.A.N.D. system provides a memorable acronym to help homebuyers remember the key steps and strategies for making an offer stand out. S is for - Secure Mortgage Approval: T - Team Up with a Real Estate Professional: A - Analyze and Strategize: N - Nurture Personal Connections: D - Demonstrate Flexibility and Determination: By following the S.T.A.N.D. system created by the Martini Mortgage Group, homebuyers can increase their chances of success in any housing market, especially in a competitive housing market. From securing mortgage approval and teaming up with a real estate professional to analyzing market conditions, nurturing personal connections, and demonstrating flexibility and determination, a well-rounded approach will help your offer stand out and secure your dream home. Kevin Martini | NMLS 143962 | Certified Mortgage Advisor | Martini Mortgage Group at Gold Star Mortgage Financial Group, Corporation | NMLS # 3446 | 507 N Blount St, Raleigh, NC 27604 | (919) 238-4934 | www.MartiniMortgageGroup.com | Kevin@MartiniMortgageGroup.com | Equal Housing Lender
Unlocking Your Dream Home with the H.O.M.E.S Framework
Apr 27 2023
Unlocking Your Dream Home with the H.O.M.E.S Framework
Welcome to a special video, episode 177 of the Martini Mortgage Podcast! In this special episode, Certified Mortgage Advisor and Producing Branch Manager, Kevin Martini, introduces the H.O.M.E.S. framework, a step-by-step guide designed to simplify the homebuying process and provide first-time and repeat buyers with the confidence and knowledge to make their homeownership dreams a reality. In this episode, Kevin takes a deep dive into each stage of the H.O.M.E.S. framework and provides valuable insights and guidance for buyers. Kevin covers everything from researching neighborhoods and creating a wish list in the house hunting stage to finalizing paperwork and receiving the keys to your new home in the Settlement and Closing stage.  With the H.O.M.E.S. framework, you'll be well-equipped to make informed decisions and enjoy a successful homebuying experience. So, buckle up and get ready to uncover the secrets to a seamless, stress-free homebuying experience with the H.O.M.E.S. framework. Let the journey begin! Key takeaways from this episode: -) The H.O.M.E.S. framework simplifies the homebuying process for first-time and repeat buyers -) House Hunting: Researching neighborhoods, creating a wish list, and actively searching for potential homes  -)Offer and Negotiation: Submitting a competitive offer, negotiating terms, and navigating contingencies -) Mortgage and Financing: Obtaining pre-approval, selecting the right loan program, and completing the mortgage application process -) Evaluation and Inspection: Conducting a professional home inspection, identifying potential issues, and renegotiating if necessary -) Settlement and Closing: Finalizing paperwork, reviewing closing documents, and ultimately receiving the keys to your new home   Don't forget to like, subscribe, and share this episode with anyone who may find it helpful! 🌐 Martini Mortgage Group 🌐 ➜ https://www.martinimortgagegroup.com/  📷 Instagram 📷 ➜https://www.instagram.com/kevinmartin...   👤 Facebook 👤 ➜https://www.facebook.com/KevinMartini... Kevin Martini | NMLS 143962 | Certified Mortgage Advisor | Martini Mortgage Group at Gold Star Mortgage Financial Group, Corporation | NMLS # 3446 | 507 N Blount St, Raleigh, NC 27604 | (919) 238-4934 | www.MartiniMortgageGroup.com | Kevin@MartiniMortgageGroup.com | Equal Housing Lender
Bank Failures
Mar 16 2023
Bank Failures
In special episode 175 of the Martini Mortgage Podcast, Kevin Martini, a Certified Mortgage Advisor and Producing Branch Manager, discusses the recent bank failures and the causes behind them. Kevin explains the basics of how the banking system works, using the example of how banks use customers' deposits to make loans and investments to earn a profit. He also gives a high-level overview of how bonds work, including their face value, coupon rate, and how they are traded in the market. Kevin then delves into the recent bank failures, explaining how banks invested a significant portion of their customers' deposits in fixed assets, specifically bonds, which are considered safe investments. However, when interest rates increased, the value of these bonds decreased, resulting in significant losses for the banks when they had to sell the bonds to return customers' deposits. This led to a run on the banks and caused a wave of failures. Kevin argues that this was due to the banks' incompetence in not keeping up with the pace of interest rate hikes. To protect your deposits, Kevin recommends ensuring that your bank is FDIC insured or NCUA insured for credit unions. If your assets in the bank are greater than $250,000, he advises being proactive and reclassifying your deposit accounts or dividing your assets into multiple institutions with balances under $250,000. Kevin also discusses the potential impact of these bank failures on the economy, explaining how they may lead to a deflationary event where the cost of goods and services decreases, resulting in lower mortgage rates. He notes that lower mortgage rates make homes more affordable and attractive to homebuyers, making it an excellent time to buy if homeownership is right for you. Overall, Kevin provides a detailed explanation of the recent bank failures, their causes, and their potential impact on the economy and homeownership. If you want to learn more about this topic or explore if homeownership is right for you, Kevin invites you to connect with him at the Martini Mortgage Group. Kevin Martini | NMLS 143962 | Certified Mortgage Advisor | Martini Mortgage Group at Gold Star Mortgage Financial Group, Corporation | NMLS # 3446 | 507 N Blount St, Raleigh, NC 27604 | (919) 238-4934 | www.MartiniMortgageGroup.com | Kevin@MartiniMortgageGroup.com | Equal Housing Lender
Reality
Mar 11 2023
Reality
Certified Mortgage Advisor and Raleigh mortgage broker Kevin Martini hosts episode 174 of the Martini Mortgage Podcast called: Reality Here are some main points discussed in this informative episode about mortgage rates and real estate. Perception vs. Reality: Many people base their reality on their perception of a headline or article they didn't read, leading to an information crisis about housing. Mortgage Rates: Mortgage rates are still below their historical average and provide an unprecedented opportunity for homebuyers today. Ultimate Homebuying and Mortgage Guide: The Spring 2023 edition of the Martini Buyer Guide was created to provide a straightforward explanation of the current real estate and mortgage markets. It features informative articles that address crucial aspects of home buying and mortgage application processes, and it’s the perfect guide for anyone who wants to stay up-to-date on what’s happening in the real estate market. Inflation: Inflation erodes bond returns and causes higher yields, which increases home loan rates. However, inflation will get under control, and the Fed will slay inflation to improve home loan rates. The Current Market: The current real estate market offers an advantage to homebuyers due to the bright red zone of buyer demand, where sellers are motivated to participate in deals and even offer price reductions or temporary buydowns to lower rates for buyers. Trifecta: Taking advantage of the current market allows buyers to lock in the home price, gain equity and wealth as their home value grows over time, and structure their home loan with the lowest cost of borrowing for the current environment. If homeownership is right for you and your family, the reality is that now is an opportunity, and waiting for lower rates will cost more in the long run.  This is critical because money is made in real estate when you buy, not when you sell, and homeownership wins over time. Contact Kevin Martini at Martini Mortgage Group to explore whether homeownership is right for you. Kevin Martini | NMLS 143962 | Certified Mortgage Advisor | Martini Mortgage Group at Gold Star Mortgage Financial Group, Corporation | NMLS # 3446 | 507 N Blount St, Raleigh, NC 27604 | (919) 238-4934 | www.MartiniMortgageGroup.com | Kevin@MartiniMortgageGroup.com | Equal Housing Lender
4 Stages of Buyer Demand
Feb 25 2023
4 Stages of Buyer Demand
In this special episode of the Martini Mortgage Podcast, Certified Mortgage Advisor and Raleigh mortgage broker Kevin Martini discusses the 4 Stages of Buyer Demand and how homebuyers can use them to maximize their advantage in the current real estate market.   Kevin starts by acknowledging the shift in sentiment among homebuyers and homeowners in the current market, caused by an information crisis about housing rather than a housing crisis itself. He stresses that demand for housing currently outstrips supply across the US, creating upward pressure on pricing.   Kevin reminds listeners that although the current shortage of homes is a challenge, it is not a new phenomenon and has been a long-term issue that will take years, if not decades, to resolve. According to research from Fannie Mae, there is a 3.8 to 5 million home shortage in the US.   He cautions that predicting a rinse and repeat of the housing crisis of 2008 is unfounded, as that crisis was caused by housing and not a recession. Real estate is a long-term investment and goes up and makes higher highs over time, despite the occasional retracement.   Kevin explains that mortgage rates live in the bond market, and the nemesis to a bond is inflation. When inflation is tamed, mortgage rates will drift lower. Currently, mortgage rates are in the high tides, but they are not predicted to reach double digits. According to experts and pundits, mortgage rates may start with a 4 by 2024-2025.   To help homebuyers navigate the current market, Kevin shares the 4 stages of buyer demand, which are represented by a four-light stoplight. The red light represents weak buyer demand, orange represents limited buyer demand, light green represents good buyer demand, and the bright green light represents strong buyer demand.   He advises homebuyers to take advantage of the red and orange stages to reduce their competition and take advantage of a seller's willingness to participate, which could make the deal more attractive. This also protects the homebuyer from paying a higher premium for the same home later. Kevin suggests taking advantage of temporary seller-funded buydowns, which can provide an interim low rate today.   In conclusion, Kevin reminds listeners that although the shortage of homes creates challenges, it also presents opportunities for homebuyers. He emphasizes that the best time to secure an epic mortgage rate was during the pandemic, but the next best time is right now.   Understanding the 4 stages of buyer demand and how to navigate the real estate market will help homebuyers achieve a win-win-win situation: buying in a tight real estate market, getting incentives from the seller, and having an interim low rate today.   Listeners are encouraged to contact Kevin personally with any questions or for trusted advice. Overall, this episode provides valuable insights into the current real estate market and offers a positive and optimistic outlook for homebuyers.   Kevin Martini | NMLS 143962 | Certified Mortgage Advisor | Martini Mortgage Group at Gold Star Mortgage Financial Group, Corporation | NMLS # 3446 | 507 N Blount St, Raleigh, NC 27604 | (919) 238-4934 | www.MartiniMortgageGroup.com | Kevin@MartiniMortgageGroup.com | Equal Housing Lender   ----------------------------- 🌐 Martini Mortgage Group 🌐 ➜ https://www.martinimortgagegroup.com/ ------------------------------ 📷 Instagram 📷 ➜https://www.instagram.com/kevinmartin... ------------------------------ 👤 Facebook 👤 ➜https://www.facebook.com/KevinMartini... ------------------------------
A chat with Raleigh Realtor Bailey Weaver Packard
Oct 6 2022
A chat with Raleigh Realtor Bailey Weaver Packard
In this special interview of the Martini Mortgage Podcast, Certified Mortgage Advisor and Raleigh lender Kevin Martini interviews Raleigh area real estate expert Bailey Weaver Packard with eXp Realty. Who is Bailey Weaver Packard? Bailey is an experienced real estate agent who goes above and beyond for her clients. She was born and raised in Raleigh, she has a deep knowledge of the real estate market as well as all things local. Her clients have shared  that she provides the best level of customer service while keeping her clients financial goals at the forefront is her mission. (And to have fun while doing so, of course!) During episode 160 of the Martini Mortgage Podcast, Bailey unpacks many key topics that potential homebuyers and home sellers need to know about buying real estate and she also peppers in some nuggets about living in the Triangle of North Carolina. To contact Realtor Bailey Weaver Packard: Website- https://baileyweaver.exprealty.com Number- (919) 455-3811 Facebook- https://www.facebook.com/BaileyWeaverPackardRealtor  Instagram- https://www.instagram.com/baileyweaverpackardrealtor/ (@baileyweaverpackardrealtor) TikTok- https://www.tiktok.com/@baileyraleighrealtor (@baileyraleighrealtor)   Kevin Martini | NMLS 143962 | Certified Mortgage Advisor | Martini Mortgage Group at Gold Star Mortgage Financial Group, Corporation | NMLS # 3446 | 507 N Blount St, Raleigh, NC 27604 | (919) 238-4934 | www.MartiniMortgageGroup.com | Kevin@MartiniMortgageGroup.com | Equal Housing Lender