Martini Mortgage Podcast

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

Private Mortgage Insurance (a.k.a. PMI) is a good thing! PMI will not be on the homeownership journey with you forever!  Private Mortgage Insurance provides a road for someone that does not have 20% down of the purchase price for a new home. Yes, you can buy your dream home sooner with the help of PMI and you can own a home with as little as 3% down.   I truly believe that homeownership creates wealth for the families I serve and episode 43 of the Martini Mortgage Podcast is about Private Mortgage Insurance.  Only you know what the right solution is for you and your family.  The question of renting versus buying or waiting until you hav e a substantial down payment to purchase a home is your decision.  Kevin Martini is the Branch Manager and Senior Mortgage Strategist of the Martini Mortgage Group at Benchmark Mortgage which is located in Raleigh, NC.  Kevin Martini produces weekly the Martini Mortgage Podcast to help educate so you one make an educated decision based on facts, not fiction.  Episode 42 focuse

Many people may be telling you that you need to stop renting and buy a home.  Only you know what the right solution is for you and your family.  Anyone that gives you advice to buy a very large asset and secure a very large debt without knowing you and without knowing you short and long terms goals is wrong…that is a like a doctor giving you a prescription without doing an examination…some would call this malpractice! FULL DISCLOSURE:  The host of the Martini Mortgage Podcast is Kevin Martini.  Kevin Martin is also the Branch Manager and Senior Mortgage Strategist of the Martini Mortgage Group at Benchmark Mortgage.  Kevin Martini believe that owning real estate creates wealth for a family.  “Today, one of the most powerful advantages of owning real estate leverage.  Leverage is using a mortgage amplify your return.  An added benefit is we all need to have a roof over our head, with a mortgage many can own that roof instead of renting it.” Kevin Martini The Martini Mortgage Podcast was developed to educate. 

There is a ton of noise in the housing market right now but is the noise a cheer or a boo?  In recent months there has been a positive movement in housing inventory.  In other words, more homes are for sale.  In addition, mortgage rates have made some upward movement - yes, mortgage rates are higher today than they have been in the recent past.  But is higher home loan rates a bad thing?  Is more homes for sale a bad thing? Your host, Kevin Martini with the Martini Mortgage Group at Benchmark Mortgage will share his thoughts in the 41st episode of the Martini Mortgage Podcast. 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 at 5650 Six Forks Road, Suite 101 Raleigh, NC 27609 and he helps families not just in Raleigh but all over the Triangle of North Carolina and all over the great state of North Carolina (i.e from the mountains to the coast).  Fannie Mae, Mortga

The 40th episode of the Martini Mortgage Podcast is a chat with real estate rockstar Lisa Quin with Re/Max.  Lisa Quin has made the Triangle of North Carolina her home for over 20 years and her servant attitude to helping families is refreshing in the industry, it is my opinion this is why she is so wildly successful.  Simply put, her role is helping her clients through the process successfully to their best advantage. I have firsthand confirmation her clients appreciate working with someone who can help them identify the sometimes “hidden” strengths and weakness of homes. The 40th episode of the Martini Mortgage Podcast also has a video edition that you can access: https://youtu.be/8jkHe7duWpQ 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 which is located in Raleigh, North Carolina.  Check out what families say about working with Kevin Martini by just doing a Google search…just type into the search

In the beginning of each year, Kevin Martini with the Martini Mortgage Group shares his forecast for the new year.  Historically, this forecast was ONLY shared with the real estate community however for the first time in history, Kevin Martini is sharing his prediction and expectations in the 39th episode of the Martini Mortgage Podcast.  What does Senior Mortgage Strategist Kevin Martini think is going to happen with stocks? What does Senior Mortgage Strategist Kevin Martini think the Federal Reserve is going to do in 2019?  Where doe Senior Mortgage Strategist Kevin Martini think Raleigh mortgage rates are headed in 2019? Stocks, the Fed & mortgage rates, OH MY! Kevin Martini | NMLS ID 143962 | Branch Manager | Martini Mortgage Group at Benchmark Mortgage |Ark-La-Tex Financial Services, LLC NMLS ID 2143 | 5650 Six Forks Road, Suite 101 Raleigh, NC 27609 |(919) 238-4934 |www.KevinMartini.com | Kevin.Martini@Benchmark.us | Equal Housing Opportunity

It is my privilege to offer the VA Home Loans and making a home for the brave.  In episode 038 of the Martini Mortgage Podcast, Kevin Martini will share the top 4 benefits of a VA Home Loan.  The VA Home Loan helps Servicemembers, Veterans and eligible surviving spouses become homeowners.  These loans are made though lenders like the Martini Mortgage Group and are guaranteed by the Department of Veteran Affairs. Most VA Loans will not require a down payment and private mortgage insurance  is not required.  Kevin Martini is not just the host of the Martini Mortgage Podcast, he is also the Branch Manager and Senior Mortgage Strategist with the Martini Mortgage Group at Benchmark Mortgage that is based in Raleigh, North Carolina and serves all in this great state — from the coast to the mountains. “It is my opinion, the veteran lending space has long been subject to predatory lending. I believe that our heroes who choose to serve this nation deserve the outstanding service that the Martini Mortgage Group has off

A booming generation that often finds themselves stuck in the rental trap are millennials since myths have prevented many millennials from even considering homeownership as an option for them and their family.  Episode 037 of the Martini Mortgage Podcast is called: Millennials Top Goals and it has been produced to provide trusted information one will need, regardless of generation, to make the best decision regarding homeownership. Kevin Martini, your host, Branch Manager and Senior Mortgage Strategist of the Martini Mortgage Group at Benchmark Mortgage will breakdown the myths and stereotypes that have long been believed to be true, as well as shed some light on the opportunity to build wealth using monthly housing costs.  Enjoy this episode of the Martini Mortgage Podcast and if you or someone you know has questions about the current mortgage rate environment or the unique home loan products available than call the Martini Mortgage Group at Benchmark Mortgage: (919) 238-4934 Kevin Martini | NMLS ID 143962 |

There is no question that owning a home has great financial benefits however many people continue to rent!  It is my opinion, renting is has really become a shortsighted option. Buying a home remains to be a more attractive option in the long term….not just in Raleigh, North Carolina but all over the U.S.  To help touch and feel homeownership and all of the benefits, episode 36 of the Martini Mortgage Podcast is about the Kevin Martini 7 reasons that owing is financially better than renting.  Kevin Martini | NMLS ID 143962 | Branch Manager | Martini Mortgage Group at Benchmark Mortgage | Ark-La-Tex Financial Services, LLC NMLS ID 2143 | 5650 Six Forks Road, Suite 101 Raleigh, NC 27609 | (919) 238-4934 | www.KevinMartini.com | Kevin.Martini@Benchmark.us | Equal Housing Opportunity