Podcasts about certified mortgage advisor

In this episode, host Phil Treadwell welcomes Megan Anderson, VP of Client Relations at MBS Highway. Together they talk through different ways that AI's powers can be used and that it is not as daunting as it seems. With Megan's vast knowledge of the mortgage world, she shares her tips and tricks into using AI for business growth, content creation, and client relations. Tune into this episode to learn how to push the boundaries of AI to benefit a professional in all aspects of life.  Megan Anderson is a prominent leader in the mortgage industry. With a talent for public speaking, she has trained over 10,000 loan officers, making her a key voice in mortgage advising and market analysis. A Certified Mortgage Advisor, Megan specializes in AI training and market trend analysis, drawing on insights from her mentor, industry expert Barry Habib. She also hosts the podcast "On the Highway," where she interviews top achievers in the mortgage field. Known for her innovative training methods, Megan is dedicated to empowering professionals with the knowledge and tools to succeed in a competitive landscape.  01:35 Meet Megan Anderson 05:45 Where to Start with AI? 08:10 Your ChatGPT Assistant 10:40 Communicating with AI 14:35 AI is Not as Smart as it Seems 15:30 Ask and You Could Receive 17:00 Tokens for ChatGPT 18:30 AI and Your Business 20:45 Just Go Use It 23:00 Use AI's Powers for Good 25:00 AI and the Creative Process 28:00 Megan's Favorite AI Tools 30:40 Start with Curiosity CONNECT WITH MEGAN: Website | Instagram AMPLIFY YOUR CRM AUTOMATION WITH AIDIUM: https://thinkaidium.com/ If you are enjoying the MME podcast, please take a second and LEAVE US A REVIEW. And JOIN the M1A Text Community: 214-225-5696  

In episode 196 of the Martini Mortgage Podcast, we're serving up a hefty dose of reality in real estate. Host Kevin Martini, a Certified Mortgage Advisor with the Martini Mortgage Group, tackles the often misleading perceptions surrounding the housing market. Kevin starts with two fundamental truths about quality assets and economic cycles, setting the stage for a deeper exploration of current market dynamics. Are we heading for a recession? Is a housing crash imminent? Kevin breaks it down, debunking myths and offering a clear view of the real estate landscape. Discover why the ‘lock-in effect' keeps the housing market stable, how the inventory shortage drives prices, and why demand continues to outstrip supply. Kevin also dives into ‘sectoral recessions' and explains why your personal economic feelings might not align with national data. Whether you're a homeowner concerned about your property's value or a potential buyer wary of market conditions, this episode provides the insights you need. Kevin wraps up with a compelling argument for why now might be the best time to lock in your home price despite higher mortgage rates and introduces the strategy of ‘marrying the house and dating the rate.' Tune in for a no-nonsense, fact-based reality check on real estate, and arm yourself with the knowledge to navigate these uncertain times confidently. Listen now to episode 196, “Real Estate Reality Check,” on the Martini Mortgage Podcast.   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  

Annika Lynn - Introduction Annika Lynn is a Certified Mortgage Advisor based in South Carolina, with licenses spanning 14 additional states. She specializes in helping first-time home buyers and facilitating VA loans. Annika thrives on guiding clients toward building wealth through real estate and to getting them smoothly to the finish line and into their new home. Annika Lynn - Summary   Home Buying Resources Navigating the world of home buying can be overwhelming, especially for first-time buyers. That's why we've compiled a list of valuable resources to guide you through the process seamlessly. ➡️ Referrals:

Mark Deitz, Managing Director, Mortgage at SECU. Highlights include: retraining to purchase money market; market shrinkage is an opportunity; sales leadership mindset; peer networking matters and investing in the right people. With over 20 years experience, Mark is a Certified Mortgage Banker, a Certified Mortgage Advisor and currently serves on the Board of Directors for the Mortgage Bankers Association of Metropolitan Washington.

“Never let your influence grow wider than your character runs deep…”In this week's conversation, my special guest shares his life journey, starting with his parents who instilled values of compassion and hard work. He discusses his soccer career, highlighting a pivotal moment in his teenage years when a wake-up call about his health transformed his life. He talks about his competitive spirit, experiences playing soccer at a high level, and the life lessons he learned on the field.We also discuss leadership qualities, the importance of being truthful, and the difference between being nice and being kind. Through the interview, my guest graciously shares personal anecdotes, including opening up about his struggles with weight.Later in the conversation, we also delved into the challenges of the mortgage industry during the economic downturn and perseverance through job loss and family expansion.We also emphasize the significance of relationship capital, the willingness to do whatever it takes, and maintaining gratitude even in challenging times. We are proud to share this interview because it provides amazing insights into leadership and navigating through various seasons of life…ABOUT OUR GUESTBrian Covey is the EVP of Strategy & Development at Revolution Mortgage, a leading mortgage lender that is revolutionizing the industry with a culture of excellence, innovation, and customer service. He is also a Certified Mortgage Advisor, a Mortgage Action Alliance Member, and a U.S. Soccer Federation coach.With over 20 years of experience in leading and growing high-performing teams, Brian has a proven track record of delivering consistent results and exceeding expectations. He achieved a 10x growth in his previous regional production, taking it from $245M to $2.45B in less than five years. He is passionate about empowering and inspiring others to find their competitive edge and unlock their potential. He shares his insights and lessons on his top-rated podcast, Finding Your Competitive Edge, and his bestselling book, Conversations with Covey. He is also a sought-after speaker and contributor to Forbes, Entrepreneur, Housing Wire, and Today Parenting.You can learn more about Brian and his work here:https://briancovey.com/https://www.linkedin.com/in/brian-coveyABOUT OUR HOSTKen Eslick is an Entrepreneur, Author, Podcaster, Tony Robbins Trainer, Life Coach, Husband of 35+ Years, and Grandfather. Ken currently spends his time as the President & Founder of The Leaders Lab where he and his team focus on Senior Leadership Acquisition. They get founders the next level C-Suite Leaders they need to go from being an Inc. Magazine 5000 fastest growing company to $100,000,000 + in revenue.  You can learn more about Ken and his team at theleaderslab.coListen to more episodes on Mission Matters:https://missionmatters.com/author/ken-eslick/

In this episode of the Martini Mortgage Podcast, Certified Mortgage Advisor and Raleigh Mortgage Broker Kevin Martini shares his 2024 real estate forecast which is data-driven over sensational headlines. Dubbed the "4, 5, 6 forecast," Martini outlines his moderate yet realistic predictions for the real estate market in 2024. Key Predictions: Home Appreciation: Predicted at 4% for 2024. Home Sales: Forecasting 5 million homes to be sold in 2024. Mortgage Rates: Anticipating rates to stabilize around 6%. In-Depth Analysis: Mortgage Rates: Reflection on the unexpected spike in mortgage rates in 2023 and the current trend towards mid 6% rates. Discussion includes factors influencing these changes, like inflation and Federal Reserve policies. Market Predictions: Martini addresses the potential conservative nature of his 6% rate prediction, the challenges in timing the market, and the future refinancing opportunities. Home Sales: Insight into the predicted increase in home sales in 2024, driven by life events, lower mortgage rates, and increased affordability. Martini also touches on the impact of existing homeowners feeling more comfortable moving up. Home Price Appreciation: A deep dive into the 4% home price appreciation prediction for 2024, referencing various sources like the CoreLogic S&P Case-Shiller Index and the Home Price Expectation Survey. 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

Certified Mortgage Advisor and Raleigh Mortgage Broker Kevin Martini, hosts a special episode of the Martini Mortgage Podcast titled "Marry the House, Date the Rate: Navigating the Real Estate High Tide.” Kevin explores the popular real estate advice of committing to a home while being flexible with mortgage rates, especially in today's unpredictable market. Key Topics Discussed: Current Housing Crisis and Demand: An examination of the U.S. housing shortage, with insights from the National Association of Realtors. Understanding the gap between demand and supply and its impact on home prices. Mortgage Rate Trends: Analysis of historical and current mortgage rates, emphasizing the potential benefits of refinancing in a fluctuating rate environment. Strategy for Today's Homebuyers: Discussing the wisdom behind "marry the house, date the rate," and how this approach can benefit homebuyers in the current market. The emphasis on securing a home at today's prices and refinancing when rates are more favorable. Buydown Strategy Explained: Introducing the 'buy down' strategy as a way to secure lower rates in the initial phase of a mortgage, effectively getting 'tomorrow's rate today.' Personalized Mortgage Guidance: Emphasizing the importance of understanding individual options in home buying and mortgage strategies. Offering personal advice and assistance to listeners. Takeaways: Market Predictions: Insights from market experts on the future of home values and mortgage rates. Customized Homeownership Strategies: Encouraging listeners to explore their options, with a reminder of the significance of homeownership and the importance of being informed. This episode of the Martini Mortgage Podcast offers a blend of expert advice, market analysis, and practical strategies for navigating the real estate market's current challenges and opportunities. 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

In this special micro episode, Certified Mortgage Advisor and Raleigh Mortgage Broker Kevin Martini dives into the challenges many face in the current housing market. While acknowledging today's higher mortgage rates, Kevin provides historical context, reminding listeners of the 18.63% rate in 1981.  Kevin introduces strategies like temporary interest rate buydowns and the option to pay points, emphasizing the cyclical nature of mortgage rates. Kevin also highlights the Martini Mortgage Group's unique no-down payment FHA home loan and other affordable lending programs. With a potential rise in home values and the risk of being priced out, he encourages listeners to consider buying now. 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  

In episode 192 of the Martini Mortgage Podcast, Certified Mortgage Advisor and Raleigh Mortgage Broker Kevin Martini dives deep into the major hurdles faced by homebuyers today: Affordability, Inventory, and Student Loan Debt. The current housing landscape presents skyrocketing home prices and limited listings, compounded by the weight of student loans for many. Kevin breaks down the myth of affordability, highlighting that home prices, mortgage rates, and income all play interconnected roles. Despite these daunting obstacles, Kevin emphasizes that the American Dream of homeownership remains attainable. He champions an informed approach, advising potential buyers to secure their home loan first, ensuring clarity on price and costs. 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

In this insightful podcast episode, Certified Mortgage Advisor and Raleigh Mortgage Broker Kevin Martini, backed by years of mortgage advising experience, sheds light on the critical financial aspect of handling the marital home during a divorce. Epsidoe 191 of the Martini Mortgage Podcast is structured to first dice into understanding the value and equity of your marital home, followed by exploring the three core options available for couples amidst divorce proceedings. Initially, this micro podcast episode of the Martini Mortgage Podcast emphasizes the initial 3 steps to determine your equity position three steps: -) Determining the home's worth: Utilizing an algorithm provided by Martini Mortgage Group, listeners are directed to accurately estimate their home's value. -) Calculating outstanding mortgage: The necessity of summing up the remaining mortgage balance, along with any additional loans, to understand the full financial picture. -) Evaluating Home's Equity: A simple subtraction of what's owed from the home's value gives the gross equity, though selling costs should be factored in for a net value. With the equity understood, three primary options for dealing with the marital home are discussed: Selling the Home: A straightforward yet emotionally tough choice that may necessitate a real estate professional's assistance to ensure a smooth process and fair market value. One Spouse Retaining the Home: If financially viable, one spouse may buy out the other's share, often requiring refinancing to adjust the mortgage to the retaining spouse's financial situation. Martini Mortgage Group is highlighted for its expertise in facilitating such transitions swiftly. Joint Ownership: An uncommon but possible route, either by continuing to reside together or renting out the home. This option demands a high level of cooperation and clarity in financial responsibilities. Furthermore, five additional Kevin Martini tips are shared: *Maintain Mortgage Payments* *Open Communication* *Preparation for All Scenarios* *Document Availability* *Impeccable Record Keeping* The episode closes by offering a complimentary Financial Transition Plan through Martini Mortgage Group, aiming to assist listeners in making well-informed decisions during such trying times. It emphasizes the profound financial impact of divorce beyond emotional distress and encourages listeners to share the episode with those facing similar challenges. 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

Welcome to episode 190 of the Martini Mortgage Podcast, titled MMP, where our host Kevin Martini, a Raleigh Mortgage Broker and Certified Mortgage Advisor, explores the topsy-turvy journey of home buying in the current real estate scenario. In this episode, Kevin dives into the emotional roller-coaster that accompanies the homebuying process, especially amid soaring home prices and fluctuating mortgage rates. He emphasizes on the importance of focusing on one's aspirations, financial blueprint, and the groundwork needed before diving into the real estate market. Highlights: Understanding the Real Estate Landscape: A discussion on the unpredictability of home prices and mortgage rates. Expert predictions from Pulsenomics on the gradual rise in home prices in the upcoming years. A highlight on how a $400,000 house bought in January 2023 could appreciate to $471,363 by 2027. The Mortgage Rate Tango: A dive into the dynamics between mortgage rates, the bond market, and inflation. Predictions from the Mortgage Bankers Association on a potential rise in 30-year fixed mortgages by 2024. Strategizing Your Home Buying: An exploration of scenarios and benefits of buying a house now amid the current market trends. 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 Making an informed decision about your next move is crucial, whether you're a first-time or repeat homebuyer. When it comes to homeownership, having certainty about your financing options is the proper first step, regardless of your level of experience. This way, you can confidently search for your dream home armed with price and cost clarity.   Let's connect and discuss the proper mortgage strategy for you and your family. Whether you're ready to take the leap into homeownership or simply want to explore your options,   ————  

In this episode, as the fall season sets in, Kevin Martini dives deep into the current state of the real estate market, emphasizing that while the weather cools, the property market remains sizzling hot. Kevin, a Certified Mortgage Advisor with the Martini Mortgage Group, introduces listeners to the recently released Fall 2023 edition of the Martini Mortgage Guide. This free resource, available at MartiniBuyerGuide.com, offers a comprehensive look into the intricacies of home buying and mortgages in the current market. Key highlights from the guide include the challenges posed by the low housing inventory, the new normal of mortgage rates hovering between 6% to 7%, and the continued appreciation of home prices on a national scale. Kevin stresses the importance of being not just ready and willing but also able to buy in this competitive market. He also touches upon the historical context of mortgage rates and their potential trajectory. Wrapping up, Kevin encourages listeners to challenge their perceptions, explore their options, and reach out to the Martini Mortgage Group for personalized advice. The episode concludes with a heartfelt thank you to the listeners and an invitation to access the invaluable Martini Mortgage Guide. 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 Sales Warrior Within | Season 2 Episode 66 - Selling Mortgages With Centurion's Brian DesPlainesSales Warriors. Brian DesPlaines of Centurion Group of A+ Mortgage joins the podcast to discuss how he deploys his sales skills as a mortgage advisor. Brian DesPlaines has 25 years of lending experience. He's a Certified Mortgage Advisor with the Centurion Group of A+ Mortgage. His company is a boutique mortgage group, providing personalized service & expert advice. With a background spanning sales to operations, and mortgage to wealth management, he's uniquely positioned to be a valuable member of your financial planning team.  Learn More About Brian, Centurion, and the Mortgage Brokerage services provided at:  https://www.mortgagebycenturion.trustaplus.com/ Brian and Andy have a wide-ranging discussion on sales excellence, the real estate market, buying a home, and how differentiated service and advice are at the core of the Centurion experience.   Brian takes on the challenge that he and Centurion can do all three, cheaper, faster, and better.Yes, it is still a good time to buy a home. Even though rates are high, leaders like Brian and his firm, Centurion, are ready to assist and help.As you're looking to buy a new home, make sure you are surrounded by a great team comprised of a real estate agent, mortgage broker, and possibly an attorney.Brian's approach is to work closely with clients to build the right mortgage solution that fits into smart overall financial and wealth management planning. Using simple sales skills such as attentive listening, problem-solving, and educating folks on great solutions, Brian and the team at Centurion give clients comfort and confidence in the products they select.Personal Note: As a client of Centurion myself, I vouch for their excellence in service and solutions. Enjoy this episode of the showGet in touch with Andy@AndyOlen.com. Andy enjoys engaging with the Sales Warrior Community.

In episode 187 of the Martini Mortgage Podcast, host Kevin Martini, a Certified Mortgage Advisor and Producing Branch Manager with the Martini Mortgage Group at Gold Star Mortgage Financial Group, delves into the significant connection between personal habits and credit scores. Utilizing the analogy of a car's maintenance, Martini emphasizes that 35% of a person's credit score performance is dependent on their timeliness in paying debts. Likening various financial mishaps to flat tires and rusty engines, he underscores the serious consequences of late payments, charge-offs, bankruptcies, and judgments on one's credit health. Martini goes on to detail the importance of mortgage payments, comparing them to the transmission of a car, and explaining how even a single late payment can have drastic effects on interest rates and loan terms. Other debts, like car payments and credit cards, are also vital, but less critical. He stresses that the key to a healthy credit score is similar to maintaining a vehicle: paying attention to the details and being consistent in taking care of the financial responsibilities. With timely payment history impacting 35% of one's credit score, Martini encourages listeners to be proactive in managing their credit to enjoy the financial freedom that can fuel their dreams. In addition to his insights on credit management, Martini expresses his passion for helping individuals and families build generational wealth through proper mortgage strategies. He invites listeners to reach out to him personally for guidance tailored to their specific circumstances and market conditions. The episode serves as a comprehensive and relatable guide to understanding the role of habits in determining credit scores, promoting the idea that attentive and responsible financial behavior can lead to a prosperous future. 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

In episode 186 of the Martini Mortgage Podcast, titled "How Inflation Impacts Mortgage Rates," Kevin Martini, a Certified Mortgage Advisor, dissects the stubborn nature of inflation and its complex relationship with mortgage rates. The discussion reveals how inflation, being the increase in general price levels, directly influences mortgage rates, affecting everyone's purchasing power. Martini explores the counterintuitive nature of bonds and mortgage rates and emphasizes the lag between inflation dropping and mortgage rates falling. This episode dives into current market trends, including higher mortgage rates providing a unique competitive edge to homebuyers, and concludes with Martini's strategy of "committing to the house and flirting with the rate," encouraging listeners to explore their options in the current environment. 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

In episode 185 of the Martini Mortgage Podcast, titled "Homeownership: The Keystone of Wealth," Certified Mortgage Advisor and Raleigh Mortgage Broker Kevin Martini unpacks the secrets of homeownership as a wealth creation and preservation tool. He compares homeownership to a golden goose that lays the eggs of wealth accumulation, offering the homeowner financial freedom. He begins the episode by emphasizing the power of home equity - the portion of a home that's owned outright. As a homeowner pays off their mortgage, their equity (a.k.a. wealth) increases. Martini refers to this as a form of forced savings, which can result in substantial wealth accumulation over time. Then, he introduces the concept of the 'silent wealth multiplier', appreciation. Despite the economy's fluctuations, home values historically rise over time. He explains how this 'quiet wealth builder' inflates a homeowner's wealth. Next, Martini discusses tax benefits, the 'stealthy protector' of wealth, shielding a significant part of it from taxation. These benefits extend to mortgage payments, property taxes, and even some closing costs. He elaborates on the endgame of homeownership - financial stability and generational wealth. The former is achieved by securing a fixed-rate mortgage that allows for predictable housing costs. The latter is the ability to pass on this wealth to future generations. In conclusion, Martini emphasizes that homeownership is more than owning property; it's about owning a potent wealth-generating machine, working tirelessly to build one's financial future. For renters, he urges not to despair but to view the current time as an opportunity to explore homeownership. He reassures that he's ready to help them transition from renters to homeowners and encourages them to reach out for a confidential, information-packed discussion about their options. In essence, this episode underlines homeownership is not just a dream, but a strategy for financial stability and generational wealth. 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

In episode 183 of the Martini Mortgage Podcast, titled “ARM vs Buydown,” Certified Mortgage Advisor and Raleigh Mortgage Broker Kevin Martini illuminates the "2-1 Buydown" strategy in the context of the current unique real estate and mortgage market. He discusses the allure of Adjustable Rate Mortgages (ARMs) and compares them to the Buydown strategy. Martini asserts that the Buydown approach can offer surprising benefits and greater financial stability, unlike ARMs. He emphasizes that with a Buydown, homeowners can refinance when the time is right, potentially leading to significant savings. Martini also demystifies the "2-1 Buydown" where a seller pays a fee at closing that reduces the mortgage interest rate, thus lowering monthly payments and enhancing home affordability. He concludes by mentioning the potential tax benefits for buyers and sellers involved in Buydown transactions. 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  

Episode 182 of the Martini Mortgage Podcast, hosted by Certified Mortgage Advisor and Raleigh Mortgage Broker Kevin Martini, delivers a raw, unfiltered truth about the real estate market and mortgage rates, pulling no punches. This isn't just another podcast episode; it's a deep dive into the realities of home buying in our turbulent times, providing real-life, practical insights. Buckle up for an epic real estate ride where you're not just a spectator but an active participant in your homebuying journey. Key Topics Discussed: Current state of home prices and mortgage rates: Amidst fluctuating home prices and mortgage rates, Kevin provides an in-depth analysis of where they might be heading, and what it means for potential homebuyers. The Home Price Expectation Survey by Pulsenomics: Kevin highlights this survey as a reliable resource for future home value predictions. Despite a forecasted slight depreciation in 2023, the survey indicates an upward trend in home price appreciation, especially from 2024 onwards. Future implications of buying a home now: Buying a home in the present market could mean setting oneself up for future value growth and increased home equity. Waiting could lead to higher costs down the line. Mortgage Rates: Recent economic uncertainties and inflation have caused mortgage rates to rise. However, as inflation begins to cool off, experts predict a slight pullback in mortgage rates over the next few quarters. Scenarios for current mortgage rate environment: Kevin discusses three potential scenarios - stable rates, decreased rates, and increased rates - and their implications for homebuyers. Expert advice for potential homebuyers: The right time to buy a home is when you're ready. It's important to explore your options and stay informed about market trends. The "home loan first" strategy: The first step to homeownership isn't the home itself, but securing the home loan. This strategy provides clarity about price and cost before falling in love with a perfect home. Whether you're a first-time or repeat homebuyer, making an informed decision about your next move is crucial. Regarding homeownership, having certainty about your financing options is the proper first step, regardless of your level of experience. This way, you can confidently search for your dream home armed with price and cost clarity. Whether you're ready to take the leap into homeownership or simply want to explore your options and secure more insights, you can reach Kevin Martini with the Martini Mortgage Group by calling (919) 238-4934. 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

In the 181st episode of the Martini Mortgage Podcast titled "Unraveling the Complexity of the Housing Market," Kevin Martini, a Certified Mortgage Advisor, addresses the recent buzzwords like "slow sales" and "price softening" in the housing market. He emphasizes the importance of understanding real estate trends at a hyper-local level and the role of year-over-year and month-over-month data comparisons in accurately interpreting market conditions. He debunks misconceptions surrounding alarming year-over-year data, urging listeners to focus more on month-over-month trends. Kevin Martini encourages listeners not to be swayed by sensationalist headlines and shares his optimism about the housing market, which he believes is set for a climb, despite the present conditions of increased mortgage rates and a housing supply squeeze. He also underscores the importance of understanding personal financing options for successful homeownership and offers his assistance in navigating the mortgage process. 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

A special edition of the Martini Mortgage Podcast (episode 180), where we dive deep into the pressing issue of home dissatisfaction and the locked-in effect in real estate. In this episode, titled "Unleash Your Potential and Shrink Your Payments Even with Higher Rates," Certified Mortgage Advisor and Raleigh mortgage broker, Kevin Martini, uncovers the challenges faced by homeowners who find themselves trapped due to historic low-interest mortgage rates. The locked-in effect refers to a phenomenon where homeowners are hesitant to sell their homes, even in a favorable market, because they currently enjoy historically low mortgage rates. Kevin Martini sheds light on this crucial topic and provides valuable insights and strategies for homeowners looking to break free from the constraints of their mortgage and unleash their true potential. Join us as we explore the complexities of the real estate market and mortgage industry. Discover how you can navigate higher interest rates while still reducing your payments and achieving financial freedom. Kevin Martini's expertise and experience in the mortgage field make this episode a must-watch for anyone seeking to make informed decisions about their home and mortgage. If you found this real estate and mortgage podcast informative and thought-provoking, don't forget to hit the like button and subscribe to our channel for more valuable content like this. Share this video with friends and family who might benefit from the insights shared by Kevin Martini. Help us grow our community of informed homeowners and mortgage enthusiasts.   Follow us on other platforms for more valuable insights:   Facebook: https://www.facebook.com/KevinMartiniGroup/ Instagram: https://www.instagram.com/kevinmartinilive/ LinkedIn: https://www.linkedin.com/in/kevinmartini   Remember to visit our website for additional resources and to connect with Kevin Martini with the Martini Mortgage Group: https://www.martinimortgagegroup.com/   Thank you for watching and being a part of the Martini Mortgage Podcast community!   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

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  

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

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!

n episode 176 of the Martini Mortgage Podcast, Kevin Martini, a Certified Mortgage Advisor and Producing Branch Manager, discusses the concept of home affordability and the three factors that determine it: home prices, wages, and mortgage rates. He emphasizes that lowering home prices is not the only solution for making homes more affordable, and that higher mortgage rates do not necessarily mean homes are unaffordable. An increase in wages can positively impact home affordability. Kevin also cautions against the false narratives that are often presented in headlines and media coverage, citing a 2022 prediction that home prices would drop 20%, which did not come to pass. He notes that renting is essentially paying a landlord's mortgage and that an increase in wages can positively impact home affordability. The National Association of Realtors' Housing Affordability Index indicates that more families can qualify for a mortgage loan on a median-priced home, and Kevin predicts a real estate boom due to pent-up demand for homeownership.   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

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

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

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   -----------------------------

One of the best kept secrets that first-time homebuyers do not know is that they may be eligible for an annual tax credit of up to $2,000 a year…you heard me properly, I said, tax credit and I also said up to $2,000 a year not just for the first year but for every year they own the home as their primary residence.  Certified Mortgage Advisor and Raleigh Mortgage Broker Kevin Martini with the Martini Mortgage Group hosts this special episode of the Martini Mortgage Podcast is about the tax credit for first-time homebuyers buying in North Carolina. 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

People and the media often say, “This is a terrible time to buy.” Because you hear these negative stuffs from the media, you end up associating the current market as a terrible buying opportunity. But what if we look at it in a different lens? In this episode, Dale Corpus welcomes Arjun Dhingra, a Certified Mortgage Advisor, to share his thoughts on how you can approach the current mortgage market despite the negative narratives from the media. Arjun added that some of the greatest wealth and stories of prosperity was during a market downturn. He also shares the challenges he face in the mortgage industry. Tune in to this episode to hear more!

Are you sitting on the sidelines waiting for lower mortgage rates? Are you wondering whether the Fed is “doing the right thing” to fight inflation? Would you like a clear, simple explanation as to why mortgage rates are so high and when they might come down? The economy has a lot of moving parts that can make it difficult to see the big picture and to know what's coming next.    In this episode, you'll hear from mortgage expert Barry Habib who has won the Zillow/Pulsenomics Crystal Ball Award three times in 2017, 2019 and 2020 for the accuracy of his real estate market predictions. He joins me to talk about the inner workings of the mortgage market, how inflation and the Fed's rate hikes are impacting mortgage rates, why Fed strategy failed to prevent inflation in the first place and how it's attempting to make up for that failure, and most importantly… why we might see rates as low as 5% later this year.    Barry is a housing market and mortgage industry expert, best-selling author, and entrepreneur. He's the founder and CEO of MBS Highway which helps turn mortgage sales people into advisors. He's a Certified Mortgage Advisor himself, with more than $2 billion in originations. He's also bought and sold several businesses including Mortgage Market Guide, CPMS, Certified Mortgage Association, and Healthcare Imaging Solutions. His book “Money in the Streets” is an Amazon best-seller. He's a frequent guest on CNBC and FOX Business Network. His podcast is called: "Inside Real Estate." If you'd like to learn more about what's happening in real estate this year, please join RealWealth. It's free to join and get access to all our data, sample investment properties, RealWealth investment counselors, and our curated list of real estate professionals.  Please don't forget to subscribe to our podcast and leave a review! Thanks for listening! -Kathy

Win The House You Love - Kyle Seagraves - Founder and Certified Mortgage Advisor [Mortgage Experience]Kyle talks about:- How creating 1,000 videos a year improved the Customer Experience- Why this removed the unknowns and what-ifs- Why it's important to disrupt the flow of information when educating customersThe book that has influenced Kyle the most in the past year:  It's Not Always Depression: Working the Change Triangle to Listen to the Body, Discover Core Emotions, and Connect to Your Authentic Self by Hillary Jacobs Hendel: https://amzn.to/3BDsiHt His note to all CX professionals:“Take a 10 minute break in silence. People are so used to doing the next thing, and overcoming problems and not having a lot of time to sit and allow them to hear what our body is telling us. A lot of wisdom happens in the silence...”Transcript: https://press1fornick.com/win-the-house-you-loveABOUT NICK GLIMSDAHLSubscribe to my bi-monthly newsletterFind Press 1 For Nick on YouTubeFind me on TwitterFind me on LinkedInLISTENER SUPPORTPurchase Nick's books: Reasons NOT to Focus on Employee Experience: A Comprehensive GuideApparel: https://www.teepublic.com/user/press-1-for-nick Support this show through Buy Me A CoffeeBOOK RECOMMENDATIONS:Learn about all the guests' book recommendations here: https://press1fornick.com/books/ BROUGHT TO YOU BY:VDS: They are a client-first consulting firm focused on strategy, business outcomes, and technology. They provide holistic consulting services to optimize your customer contact center, inspiring and designing transformational change to modernize and prepare your business for the future. Learn more: https://www.govds.com/ This podcast is under the umbrella of CX of M Radio: https://cxofm.org/Podcast-Shows/ SPONSORING OPPORTUNITIES:Interested in partnering with the Press 1 For Nick podcast? Click here: https://press1fornick.com/lets-talk/ 

On this episode of Broker to Broker, host JP Hussey sits down with Thomas Sloan, Certified Mortgage Advisor at Capital First Mortgage. Thomas shares his recent experiences of entering the Wholesale Channel just before the pandemic, and how navigating that environment was a crash course of how to succeed through the worst the mortgage industry had been since 2008. These experiences, in turn, made him a stronger advocate for his borrowers. It's evident that Thomas is a true mortgage expert and fiduciary – always looking out for his client's best financial interests. “The harder you work, the more you stay in touch with your borrowers,” Thomas states. “The more you pay attention to their pennies and try to save them money wherever you can – the more they appreciate you, then refer you. Most of my business is referrals from my borrowers to other people, not real estate agents.” Key Points: 2:44 From Hospitality to the Mortgage Industry 8:03 Becoming a Full-Time Broker 11:33 Working Lean with a Small Brokerage 15:57   Flexibility as a Business Model 19:57 Organic Leads Through Doing the Right Thing  25:46 Taking the Time to Educate Realtors 29:57 Humanizing Yourself to your Borrowers This episode is sponsored by RCN Capital

Are you still confused about creating social media content for your business? You’ll want to listen to this episode. Today my guest is Phil Treadwell, award-winning Certified Mortgage Advisor and 18-year mortgage industry veteran. He currently serves as the Market Leader for Your BREW Team at Thrive Mortgage. He is also the Founder and Host of the Mortgage Marketing Expert podcast where he interviews expert guests who share firsthand tips and advice on how to build a more effective and efficient business. Phil was named one of the 40 Most Influential Mortgage Professionals Under 40 in 2019 by National Mortgage Professional Magazine, and he was also named one of their Most Connected Mortgage Professionals in 2021. Yahoo! Finance listed him of the Top 20 Mortgage Professionals in 2020. Phil has built sales teams & coached industry professionals in markets all over the country, and he currently resides in the Dallas-Fort Worth, TX area. You’ll hear why marketing your business on social media is so important, some tips on how to create content that makes people want to stop scrolling and listen, and how to build relationships that are more than simply “transactional” in nature. Lending Forward is a weekly podcast hosted by Taylor Ellard and powered by Atlantic Bay Mortgage Group. We bring you raw stories from real people in the mortgage industry. We're covering what's next in lending, forward-thinking, and reflecting on lessons learned from Mortgage Bankers, Realtors, Financial Advisors, Coaches, and more! How are you lending it forward? Founded in 1996, Atlantic Bay Mortgage Group® is a privately owned mortgage lender headquartered in Virginia Beach, Va. Atlantic Bay has been recognized as a Top 100 Mortgage Company in America, Best Mortgage Company, Most Enjoyable Place to Work, and an Inc. 500 Fastest Growing Company. Discussion Points: Phil’s path to success Phil’s a-ha moments - starting over in Dallas - similarities in the industry vs. today’s technology Why content marketing/social media is so important - Average American spends 2.5 hours a day on social media The ‘DMV test’ for your content What content/inspiration? Guide ppl? Who is audience What value/objective Best medium for that message to that audience Pillar content - hobbies, places, groups on FB - that creates an audience Tell your audience how your content will benefit them Conversations with clients - “What is significant about this for you?” Dig deeper! Build relationships for life Lending Forward – Social media - engage in other people’s content! Resources/Links: Phil on Instagram Phil Treadwell LinkedIn Thrive Mortgage Mortgage Marketing Expert Podcast Taylor Ellard LinkedIn Atlantic Bay Mortgage Group

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

Right now, the hot topic that is top of mind with not just people that want to purchase a home but with people that currently own a home is, what is happening with home prices?  It is a very understandable concern with everything that is going on.  In this special episode of the Martini Mortgage Podcast, Certified Mortgage Advisor and Raleigh mortgage broker Kevin Martini provides a glimpse on what is (really) happening with home prices. Kevin Martini | NMLS 143962 | Certified Mortgage Advisor | Martini | NMLS # 3446 | 507 N Blount St, Raleigh, NC 27604 | (919) 238-4934 | www.MartiniMortgageGroup.com | Kevin@MartiniMortgageGroup.com | Equal Housing Lender

Raleigh mortgage broker and Certified Mortgage Advisor Kevin Martini in this special episode of the Martini Mortgage Podcast goes over the 3 hot topics in real estate and mortgage arena.  They are 1) the current real estate and mortgage rate environment, 2) fears of a rinse and repeat of the 2008 housing crisis, and 3) What does real estate and mortgage rates look like for the balance of year and beyond.  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

There is a lot of chatter today about home affordability or more specifically the perception that homes are no longer affordable. SPOILER ALERT: Homes are still very affordable!  In this special episode of the Martini Mortgage Podcast, Raleigh mortgage broker and Certified Mortgage Advisor Kevin Martini breaks down affordability in housing today.   “Just because home prices are going up, does not mean that homes are not affordable? Sure, home price plays a factor but it is not the only factor in home affordability.” ~~ Kevin Martini 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 

Welcome back to another episode with Kyle Seagraves, Certified Mortgage Advisor, Licensed Loan Originator, and full-time home loan educator. In previous episodes we've talked about the logistics of buying a home, so in this episode we will go through some strategy tips and common worst-case scenarios.How long you'll need to stay in a home for the appreciation value to catch back up if the market slipsWhat to do if you have to move but can't sell your house yetHow much of an emergency fund to save up firstSelf-employed income versus W2 income for getting approvedTax reduction strategies and how they affect the ability to get approvalsIt can all feel very overwhelming because it is complex, but sometimes in our minds we can overcomplicate things. Start with a conversation with a loan officer first, then make a plan instead of trying to figure it all out yourself.Connect with Kyle:Purchase Price Calculator: https://www.winthehouseyoulove.com/max-purchase-price-calculatorLoanClarity Advisor: https://www.winthehouseyoulove.com/advisorOn YouTube: https://www.youtube.com/c/WinTheHouseYouLoveOnline: https://www.winthehouseyoulove.com/We cover ALL of this in the “Get Your Finance Sh*t Together” self-study course at confidentmoneypodcast.com!Now Open: Money Mavens group coaching program! There's a special prize for anyone who signs up in the first week at confidentmoneypodcast.com.Enter to win a free strategy session with me! Leave a 5-star review and include your IG handle to enter. We draw the winner at the beginning of each month. FTC/Affiliate Disclaimer: By using some of these links, at no extra cost to you, I may earn a small commission or referral fee, which helps me continue to produce content like this, support my business, and my team.DISCLAIMER: I am not a financial advisor and this is not financial advice. My podcast is for educational purposes and is my personal opinion only. To make the best financial decision for your situation, please do your own research and if needed, seek the advice of a fee-based, fiduciary.Music credit: Neon Fairies by Wolves A Podcast Launch Bestie production

There has been a lot of changes in the real estate markets and in the mortgage arena in 2022. Is this change good, bad or is it just change?   This change from ‘frenzy' to ‘normal' represent a moment of opportunity for one that wants to be a first-time homebuyer or a repeat homebuyer.   “…some people are comparing the current real estate market to pandemic market which was an anomaly whereas, the current market should be compared to the most recent normal markets.” ~ Raleigh mortgage Broker Kevin Martini 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

Think buying a home is expensive? Try renting! Think we are getting ready for a rinse and repeat of 2006 & 2007? Think again! In this special episode of the Martini Mortgage Podcast, Raleigh mortgage broker and Certified Mortgage Advisor Kevin Martini compares and contrasts the current real estate market of today to the real estate market of 2006 & 2007 in 4 areas: 1) supply 2) buyers 3) incomes 4) leverage 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

Right now the real estate is turning. There is no question, the first half of 2022 was a great time to buy a home.  Right now the real estate is turning.  We all hear terms like ‘the market is shifting' or 'the market is pivoting' but the real estate market is turning.  Is turning a bad thing?  With this turn, is now still a good time to buy a home?   In this special episode of the Martini Mortgage Podcast Certified Mortgage Advisor and Raleigh mortgage broker Kevin Martini goes beyond the headlines to share why the real estate market is turning and dissects the raw data on the future direction of the real estate market and mortgage rates.  SPOILER ALERT: “During the second half of the 2022 we are turning to a more normalized real estate and mortgage market”. Kevin Martini   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

Headlines often mislead people into thinking something that may or may not be true.  Right now there is a lot of headlines about death real estate and unaffordable mortgage rates since inflation is high and there is potential recession coming or worse, we are in a recession. Recession are part of the economic cycle and there is proven history on what happens before, during and after a recession with mortgage rates and real estate. The loudest voice who has written the obituary on real estate and mortgage rates is an idiot. When you go beyond the headline and into the data you will find that now is the time to marry your home and date your rate. In this special episode of the Martini Mortgage Podcast, Raleigh mortgage broker and Certified Mortgage Advisor Kevin Martini share the factual data why real estate is green and growing not ripe and rotten.   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

Welcome back to another mini-season of Confident Money! In the next few episodes I'll be talking with Kyle Seagraves, Certified Mortgage Advisor, Licensed Loan Originator, and full-time home loan educator.In this episode, we'll cover:What credit scores are and what they meanThe difference between a soft pull and a hard pullDifferent types of loansWhat credit score numbers to aim forWhat kinds of credit you should have when applying for a mortgageHow much credit history you needConnect with Kyle:On YouTube: https://www.youtube.com/c/WinTheHouseYouLoveOnline: https://www.winthehouseyoulove.com/We cover ALL of this in the “Get Your Finance Sh*t Together” self-study course at confidentmoneypodcast.com!Now Open: Money Mavens group coaching program! There's a special prize for anyone who signs up in the first week at confidentmoneypodcast.com.Enter to win a free strategy session with me! Leave a 5-star review and include your IG handle to enter. We draw the winner at the beginning of each month. FTC/Affiliate Disclaimer: By using some of these links, at no extra cost to you, I may earn a small commission or referral fee, which helps me continue to produce content like this, support my business, and my team.DISCLAIMER: I am not a financial advisor and this is not financial advice. My podcast is for educational purposes and is my personal opinion only. To make the best financial decision for your situation, please do your own research and if needed, seek the advice of a fee-based, fiduciary.Music credit: Neon Fairies by Wolves A Podcast Launch Bestie production

In the eighty-third episode of Collecting Real Estate, we interviewed Micah Wiener of Hometown Texas Mortgages.A Certified Mortgage Advisor, Micah has spent years helping families buy their dream homes, first as a REALTOR, and now as a part of the HomeTown Texas team. They do loans throughout Texas and in 44 states.His experience also includes title work, which gives him complete knowledge of the moving pieces behind every residential real estate deal. He also prides himself on delivering clear, concise information tailored to each client and partner.A native Austinite, he's also lived in both Dallas and Houston in addition to the Capital City. Him and his wife Caitlin live in Dripping Springs, love to see live music, and spend time with their Cavapoo, Charlie.micahwiener.comTiktok: @mortgagemicah Podcast: Mind of MicahNewsletter: Micah's Read of the WeekLinkedIn: Micah Wiener

What is the point of points?   What is a mortgage point and are they a good thing?  It depends!   In this special episode of the Martini Mortgage Podcast, Raleigh mortgage broker and Certified Mortgage Advisor, Kevin Martini talks about what a mortgage points (a.k.a. discount points or as “buying down the rate”) are and the pros and cons of mortgage points.   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

Regardless of size, there is no decision that should be made based on a headline. A decision on buying a home should be made after knowing the facts.  Right now, there is noise about real estate and mortgage rates and sadly the real truth and the real opportunity is being missed. Fluctuating mortgage rates, home price deceleration and looming recession are facts but, is a recession bad for real estate values?  Is there a pure need for real estate?  Are home loan rates just going to get more expensive or are they going to retreat? In this special episode of the Martini Mortgage Podcast, Certified Mortgage Advisor and Raleigh mortgage broker, Kevin Martini takes a glimpse of the headlines and goes deep into the data about where home values are headed and where mortgager rates are headed.   Yes, it is time to fall in love with the home and marry the home but it is time to date the mortgage rate — tune in top learn more…   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

Higher home values, higher inflation, higher home loan rates — WHAT THE HECK IS GOING ON?   Certified Mortgage Advisor and Raleigh mortgage broker, Kevin Martini discusses home appreciation, fluctuation mortgage rates and inflation in this special episode of the Martin Mortgage Podcast.  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

Have you ever realized that you missed an opportunity to claim your worth? Maybe you accepted a salary too low or you missed out on getting promoted because you didn't ask. Amy Valdivia and Rica Ruiz are two powerhouses who understand this deeply and share their stories and advice in today's episode.They will encourage you to do the deep work and invest in yourself because that's where it all begins!Tangible takeaways from today's episode:Find the root cause of your actions with someone you trust. You can change the narrative!Stop making your life harder by believing the lie you have to always “work harder”. Work hard, but fight easy. Meaning: be excellent at what you do, so it is easy to speak up!There's no failure, only feedbackWrite down everything you're good at, and really look at it. Own your skills!Remember, it does not have to be “all or nothing.” Rather, let it be “all or something” About Amy:Amy Valdivia is a California native. She enjoys life with her husband and two children. She's a businesswoman with over 32 years in the mortgage industry. Today, Amy is an entrepreneur, speaker and author while running a branch for a nationwide lender supporting individuals and families to realize the American Dream of homeownership. Amy's calling is to serve the community and wanted to do more than attending charity events.  She and found the answer when she became a Certified Divorce Lending Professional. Amy supports divorcing couples and their attorneys alleviating one of the greatest areas of contention: the home financing.  Amy is a Board member of the Upland Chamber of Commerce and the San Antonio Hospital Foundation. She's also an active member of Rotary International and Toastmasters International.  As the 2019 Businessperson of the Year for the Upland Chamber of Commerce, Amy is credentialed as a FHA Direct Endorsement Underwriter, Certified Mortgage Advisor, Certified NLP Practitioner and a Certified Divorce Lending Professional. Connect with Amy:Website: http://www.homeloanclosing.com  Instagram: https://www.instagram.com/amy_valdivia/Facebook: https://www.facebook.com/amy.valdivia.52LinkedIn: https://www.linkedin.com/in/amy-valdivia-cdlp-215b6854 About Rica:The business of real estate utilizes many of Rica's gifts in her mission to serve others. Rica's client-centered approach delivers unparalleled service, whether you're a first-time home buyer, a downsizing retiree, a move-up buyer or an investor. Her knowledge, experience, and thoroughness help clients think strategically and holistically about real estate decisions. Rica is an expert contract negotiator. Problems are just roadblocks, and through hard work, expertise and perseverance, Rica finds routes around to help arrive at the end goal.Rica enjoys helping and giving to others. Professionally, she enjoys her work as an Ambassador for the San Mateo Area and Danville Areas Chamber of Commerce. She is the Chairman of the Board for Generations United, a local non-profit that helps the under-resourced community in Redwood City and loves volunteering in her community. Her favorite pastime, however, is hanging out with her husband, Rob, and watching their son play baseball. Connect with Rica:Website: https://www.meraki-realestate.com/ Instagram: https://www.instagram.com/meraki_realestate/?hl=enFacebook: https://www.facebook.com/MerakiRealEstate1 - https://www.facebook.com/ricamruizLinkedIn: https://www.linkedin.com/in/ricaruiz/   About me:Karen Laos is a keynote speaker and leadership coach equipping women to stand out with unshakable confidence. She specializes in communication: executive presence and compelling messages. Karen champions female business leaders to own their value and find their voice so they can be seen and heard. She also works with teams to create cultures of trust and function at their best.Karen has coached leaders at Facebook, Google, Netflix, Uber, Sephora, Sony, Microsoft, Fidelity, Charles Schwab, Trip Advisor, Bacardi, Levi, and more. Karen's style is fun, encouraging and results-oriented. She immediately moves past the “fluff” and gets straight to the issue (just ask her clients). Connect with me:Website: https://www.karenlaos.com/Instagram: https://www.instagram.com/karenlaosconsultingFacebook: Ignite Your Confidence with Karen Laos: https://www.facebook.com/groups/karenlaosconsultingLinkedIn: https://www.linkedin.com/in/karenlaos/Clubhouse: @karenlaosEpisodes also available on YouTube:https://www.youtube.com/channel/UCEwQoTGdJX5eME0ccBKiKng/videos

In June we celebrate National Homeownership Month however every month of every year is a great time to celebrate the once in a lifetime opportunity to build generational wealth that homeownership provides.  Yes, homeownership provides financial and lifestyle benefits and sadly there are many myths that are holding many back.  In this episode of the Martini Mortgage Podcast, Raleigh mortgage broker and Certified Mortgage Advisor, Kevin Martini will not just shares but also address the 3 widely held myths that are preventing many from taking advantage of everything that homeownership has top offer: Homeownership Myth Number 1: You student loans debt means you will not qualify for a mortgage. Homeownership Myth Number 2: You need to have a 20% down payment to secure a mortgage in the Raleigh area. Homeownership Myth Number 3: Renting makes more financial sense. If you have questions about what you hear in this episode of the Martini Mortgage Podcast please call the Martini Mortgage Group which is located in Raleigh, North Carolina however we help families in all 100 counties of North Carolina and pretty much in every state in the U.S. too. 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

Raleigh Mortgage Broker and Certified Mortgage Advisor Kevin Martini hosts episode 144 of the Martini Mortgage Podcast which is called: First-Time Home Buyers Tax Credit. First-time home buyers in North Carolina may be eligible to receive up to $2,000.00 a year not just for the first year but for every year vis-a'-vis the Mortgage Credit Certificate offered by the Martini Mortgage Group in conjunction with North Carolina Housing and Finance Agency. Are you eligible? Are there income limits for the family? Is there a max purchase price? Can you get the tax credit and still deduct your mortgage interest? Is the tax credit only good for the first-year?  All great questions and they are all answered in this special episode of the Martini Mortgage Podcast. 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

Many are talking about a recession coming.  How will a recession impact impact home values and how will a recession impact mortgage rates?  With the Federal Reserve raising rates and talking about reducing their balance sheets, how will this impact mortgage rates? Episode 142 of the the Martini Mortgage Podcast with Certified Mortgage Advisor Kevin Martini is called Recession, Rates and Real Estate.    This special episodes unpacks what experts believe will happen to real estate and mortgage rates when there is a recession because there will be one — it is not a question of ‘if', it is ‘when' it will happen. Raleigh mortgage broker, Kevin Martini takes a deep dive into what the Federal Reserve is doing and how it will impact mortgage rates and share factual data not he future of real estate values.   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

The first step in purchasing a house is getting pre-approved. This part can be a little daunting but don't worry, we are here to help. In today's episode of Selling Central Florida, we have Patrick Srichaiyan from Waterstone Mortgage here to talk about what steps you need to take to get approved for your new home. Buying a home can be confusing especially for someone who has never done it before. Patrick is amazing at explaining the process in an easy-to-understand way so we are very happy to have him on the podcast today to help you understand the process too. As a Senior Mortgage Advisor with over seven years of experience, Patrick is the perfect blend of formal expertise and warm hospitality. Patrick began his professional career as a real estate agent before switching over to the world of lending. Between his experience in real estate, his degree in Business Administration, and his Certified Mortgage Advisor™ accreditation, Patrick has learned the ins and outs of the mortgage industry allowing him to be able to anticipate and meet the needs of all parties involved. Patrick views himself not just as your lender, but also as an advisor who wants the best for you and will ensure you thrive in your new home. His embodiment of the Golden Rule is what really sets Patrick apart from other lenders. He truly strives to treat each client like they are his best friend ensuring they are making knowledgeable, informed decisions that are best for their unique situation so they can get into their dream home! When Patrick isn't working – which is rare – you can find him lifting heavyweights in his garage, playing video games, eating way too much sushi, and hanging out with his two kiddos. In today's episode, we discuss: Why having a good relationship with your lender is so important Important factors to consider when choosing a lender The biggest misconceptions about getting a loan for a house What you need to know about PMI How to make the most of the market and current interest rates What delayed financing is What to expect when it comes to closing costs The benefits of getting preapproved to buy a house The more you know when it comes to buying a home, the more you can make better-informed decisions and find the right deal for you. Patrick has a wealth of knowledge when it comes to things like loans, PMI, delayed financing, preapprovals, and so much more. We were so happy to have him on the show with us today. If you want to get preapproved to buy a home in Florida, make sure to reach out to Patrick. He looks at your unique situation and does his best to get you approved and in your home as quickly and as smoothly as possible. Check out his website here!  If you like the show, please subscribe and leave a review. This helps us get more listeners and help more people. You can also follow us on Instagram and send a DM if you want to connect! Resources Work with Patrick Follow us on Instagram Closing Costs Estimates

The big opportunity today to create generational wealth is in real estate; not just as a homeowner but also as a real estate investor.  In this special episode of the Martini Mortgage Podcast, Certified Mortgage Advisor Kevin Martini, unpacks just 3 important benefits of securing a rental property or for creating an investment property portfolio. They are passive income, tax benefits and appreciation.  “…investors are behind 33% of the purchases of single family homes today in the U.S. so, this means 1 out of 3 single family homes are purchased by investors.”  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

Many people are curious what will happen to home values over the next few years.  Some renters think they need to keep renting and some homeowners think they should stay stay in the house they now own even though it does not meet their current or future needs because of fear of a real estate shift.  Oh by the way, shift is a euphemism for real estate bubble. SPOILER ALERT - there  we are not in a a real estate bubble zone, we are in a real estate opportunity zone! In this special episode of the Martini Mortgage Podcast called, if not now, it could really cost you; Certified Mortgage Advisor Kevin Martini breaks down the economics based on what a dynamic group of 100+ economists, housing market analyst and investment strategists are predicting for the next 5-years.   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

The single most important thing that one can to prevent becoming of victim of identity theft is to freeze their credit.  Certified Mortgage Advisor and Raleigh Mortgage Broker Kevin Martini shares in this special episode of the Martini Mortgage Podcast, episode 139 which is called; You got to freeze it, why one should freeze their credit and how one can freeze their credit. For information on how to freeze your credit with Experian, Equifax and TransUnion (website address, phone numbers & addresses) check out the helpful links in the ‘Learning Center' at www.MartiniMortgageGroup.com under the title:  Credit Freeze by Raleigh Mortgage Lender Kevin Martini 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

Will rising mortgage interest rates impact housing, specifically home appreciation? During the first quarter of 2022, mortgage rates essentially went from right at 3% to basically 5% for a 30-year fixed mortgage, how will this quick spike in mortgage rates impact home appreciation? In thus special episode of the Martini Mortgage Podcast, Certified Mortgage Advisor, Kevin Martini breakdown the impact that higher mortgage rates will have on home appreciation by looking at historical data from the last 6 times mortgage rates moved more that 1% and that impact on home values. Kevin Martini | NMLS 1591485 | Senior Mortgage Strategist | 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 | Logan@MartiniMortgageGroup.com | nmlsconsumeraccess.org |Equal Housing Lender

Private Mortgage Insurance (a.k.a. PMI) is very misunderstood by many consumers and real estate professionals today. PMI is a good thing! Making a 20% down payment is a difficulty hurdle to leap over for many people however a 20% down payment is not required today to secure a mortgage courtesy of private mortgage insurance.  In addition,PMI  allows one to amplify their buying power.  In this special episode of the Martini Mortgage Podcast, Certified Mortgage Advisor and Raleigh Mortgage Lender Kevin Martini shares 5 Benefits of Private Mortgage Insurance. 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

The first step to homeownership is the home loan and the second step is go find your home after you have have price and cost clarity of the mortgage.  After getting approved for the mortgage and before the start of the home search one needs to create a list of ‘must haves', ‘should haves' and ‘absolute with list' with their real estate professional.     Raleigh mortgage lender and Certified Mortgage Advisor Kevin Martini discusses your home search, things to consider in episode 135 of the Martini Mortgage Podcast.   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

Homeownership has so much to offer financially but it can also positively impact your life today and impacts  future generations.  In this special episode Certified Mortgage Advisor, Kevin Martini, share 6 Financial Benefits for Homeownership. Each benefit is powerful by itself but when you consider the layers of benefits to homeownership, it is an opportunity that needs further investigation if it is right for you and your family. The 6 benefits that are explained in detail in episode 135 of the Martini Mortgage Podcast are: Leverage, Housing Cost, Forced Savings, Tax Benefits, Hedge Against Inflation and Non-Financial Benefits.    Listen to the full episode and to learn more or to learn howe homeownership can help you, connect with Kevin Martini with the Martini Mortgage Group by calling (919) 238-4934. 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

Vikram is a Chartered Financial Analyst and Chartered Market Technician by background with a bachelor's degree in Finance from Rutgers. After graduation he spent 14-years working in Finance Research firm, Investment bank and Hedge Fund before entering in Real Estate & Mortgages.In just a quick 5-year span, Vikram manages a team of Mortgage Officers and has finished his certification as a Certified Mortgage Advisor. In 2020, Vikram was ranked as a Top Loan Originator by Scotsman Guide nationwide.Vikram Patel is a returning guest from Season 1, here is the link for the season 1:https://open.spotify.com/episode/7FYLZeT2qrQ3AlGtt0E5sI?si=e1941e3389294cb4Here is the youtube link from Season 1https://www.youtube.com/watch?v=XexOm89QV8A&list=PLp-otAlUgnAGYtYGgClwCaBUe5RXcCmy8&index=118&t=147s We talked about the trend of mortgage finance from 2021 vs 2022Support the show (https://www.patreon.com/back2basicsmode?fan_landing=true)

Affordability, are homes affordable today?  What are the components to home affordability?  Is buying power the same as home affordability?  OH MY, so many questions!  In this special episode of the Martini Mortgage Podcast, Certified Mortgage Advisor Kevin Martini answers these questions and unpack home affordability today.  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

Is there truly an opportunity for homebuyers this spring since we are in a sellers' market? YES, there is a homebuyer opportunity this spring even with higher mortgage rates, tight inventory, and inflation.  Certified Mortgage Advisor Kevin Martini goes beyond the headlines to look at the real homebuyer opportunity this spring in this special episode of the Martini Mortgage Podcast. 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

Many homeowners and future homebuyers are concerned that a housing bubble is beginning to be formed and some believe we are already in a bubble.  Is this perception realty? It is understandable why some have this perception however perception is not always reality. Episode 132 of Martini Mortgage Podcast takes a deep dive into the data to compare 2007 to 2022. SPOILER ALERT: the 2022 real estate market is nothing like the 2007 real estate market. Certified Mortgage Advisor, Kevin Martini with the Martini Mortgage Group at PCL Financial Group will share 4 reason why real estate today is not a housing bubble: 1) Affordability 2) Mortgage Standards 3) Foreclosures 4) Inventory. Enjoy and reach out to the Martini Mortgage Group by calling (919) 238-4934 with questions. 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

Ladies and gentlemen welcome to a new episode of the Fintech Hunting Podcast. We have a very special guest for you today. He is an industry thought leader, leading loan officer, coach & mentor. Please help me welcome Mark Hayden, Certified Mortgage Advisor, NEXA Mortgage as we discuss in this episode: How Mark got started in the mortgage business? What are some of his big take aways from 2021? What are some of the biggest challenges that borrower are facing today? What is technology's role in delivering a better borrower experience? Importance of coaching and mentoring? What does Mark see on the horizon for 2022? and so much more.

On today's episode of the Be Seen Be Loved podcast, we meet Amy Valdivia. Amy is a California native. She enjoys life with her husband and two children. She's a businesswoman with over 31 years in the mortgage industry where she runs her own business in, Upland, California. Amy managed a local branch for a nationwide lender. After 25 years of internal, operations management, Amy chose to walk away from the consistent, steady paycheck was getting to focus her efforts on entrepreneurship. Amy is now a Board member of the Upland Chamber of Commerce and the San Antonio Hospital Foundation, where she continues her community service. She is also an active member in Rotary International and she's currently the Vice President of Education for the Upland Business Toastmasters club. As the 2019 Businessperson of the Year for the Upland Chamber of Commerce, Amy is a FHA Direct Endorsement Underwriter, and a Certified Mortgage Advisor with a unique twist in the lending world which led her to become a Certified Divorce Lending Professional. Luckily, she's here to tell us all about it on the Be Seen Be Loved podcast.You can find Amy at www.afncorp.comBe Sure to Rate, Subscribe and Review! Hosted on Acast. See acast.com/privacy for more information.

When buying a home, regardless if you are a first time homebuyer or a repeat homebuyer, you need to be strategic in any real estate market — especially in this current real estate market.    Yes, buying a home is like playing chess, not checkers.  The first move you make is the most important and it can be a game changer to get your offer accepted.    Tune into this special episode of the Martini Mortgage Podcast with Certified Mortgage Advisor Kevin Martini.   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

Today more than ever, there seems to be headlines and conversations about real estate values and mortgage rates in 2022, specifically about where they are headed and where they are going to be.  In this in this special episode of the Martini Mortgage Podcast, Certified Mortgage Advisor Kevin Martini discuss in the detail the MartiniMortgage.com 2022 Housing Forecast. The MartiniMortgage.com 2022 Housing Forecast is based on data from Fannie Mae, Freddie Mac, National Association of Realtors, Zelman, Pulsenomics and the Mortgage Banker Association. It provides a very accurate glimpse of what the industry experts are predicting for home loan rates and home values in 2022.  To access the full report: https://www.martinimortgage.com/martinimortgage-com-2022-housing-forecast/ 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

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

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

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

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

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

Kyle talks about: How creating 1,000 videos a year improved the Customer Experience Why this removed the unknowns and what-ifs Why it's important to disrupt the flow of information when educating customers  The book that has influenced Kyle the most in the past year:  It's Not Always Depression: Working the Change Triangle to Listen to the Body, Discover Core Emotions, and Connect to Your Authentic Self by Hillary Jacobs Hendel: https://amzn.to/3BDsiHt His note to all CX professionals:“Take a 10 minute break in silence. People are so used to doing the next thing, and overcoming problems and not having a lot of time to sit and allow them to hear what our body is telling us. A lot of wisdom happens in the silence...”Transcript: https://press1fornick.com/win-the-house-you-love***ABOUT NICK GLIMSDAHLSubscribe to my weekly newsletterFind me on TwitterFind me on LinkedIn***LISTENER SUPPORTSupport this show through Buy Me A CoffeeBOOK RECOMMENDATIONS:Learn about all the guests book recommendations here: https://press1fornick.com/books/  BROUGHT TO YOU BY:VDS: They are a client-first consulting firm focused on strategy, business outcomes, and technology. They provide holistic consulting services to optimize your customer contact center, inspiring and designing transformational change to modernize and prepare your business for the future. Learn more: https://www.govds.com/ This podcast is under the umbrella of CX of M Radio: https://cxofm.org/Podcast-Shows/ SPONSORING OPPORTUNITIES:Interested in partnering with the Press 1 For Nick podcast? Click here: https://press1fornick.com/lets-talk/ ★ Support this podcast on Patreon ★

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

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

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

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

Kyle Seagraves is the owner and Certified Mortgage Advisor at Win The House You Love. A collection of over 250 videos that help people kick home buying stress to the curb. After seeing so many clients struggle through the stress of buying their first home

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

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 | 

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  

Vikram is a Chartered Financial Analyst and Chartered Market Technician by background with a bachelor's degree in Finance from Rutgers. After graduation he spent 14-years working in Finance Research firm, Investment bank and Hedge Fund before entering in Real Estate & Mortgages.In just a quick 5-year span, Vikram manages a team of Mortgage Officers and has finished his certification as a Certified Mortgage Advisor. In 2020, Vikram was ranked as a Top Loan Originator by Scotsman Guide nationwide.Support the show (https://www.patreon.com/back2basicsmode?fan_landing=true)