Let’s have a real talk: Renting might feel convenient. No repairs. No roots. No big deal. Right?
Wrong. In 2025, renting is like trying to sprint on a treadmill that just keeps speeding up. Rent prices have surged nearly 30% in the past few years, and while inflation’s calming down, your landlord sure isn’t.
That monthly Venmo? It’s going toward their equity, not yours. And let’s be honest—they might be sipping cold brew in Costa Rica while you’re budgeting every dime.
It’s time to flip the script.
According to Kevin Martini, Certified Mortgage Advisor and founder of Martini Mortgage Group, 2025 could be the most strategic year in recent memory to stop renting and start building real wealth.
Here are the 5 Kevin Martini reasons why buying your first home this year just makes sense.
The Interest Rate Reset Is Coming
In 2022 and 2023, mortgage rates had us all doing double takes—6.5%, 7%, even higher for some.
But here’s the truth: Mortgage rates are cyclical, not permanent. And in 2025, we’re seeing signs of the next downward shift.
Pro Tip from Raleigh Mortgage Broker Kevin Martini: “You marry the house. You date the rate.”
Translation? Buy when the price and timing are right for you, and refinance later when rates drop.
Smart buyers in 2025 are acting now—not waiting for some mythical “perfect rate.”
Homeownership Is the Ultimate Wealth Hack
Think wealth-building means stocks, side hustles, or striking gold on crypto?
Try this stat on for size: According to the Federal Reserve, the median net worth of a homeowner is $396,500. For renters? Just over $10,000.
That’s a 40X wealth gap. Why? Because every mortgage payment builds equity. And that equity becomes leverage for things like renovations, education, or starting a business.
Homeownership isn’t just about the address—it’s about building a future.
Inventory Is (Finally) Opening Up
Remember when 20 people would bid on one house, waiving inspections just to get a shot?
That was yesterday’s market. Today? The 2025 housing landscape in Raleigh is shifting. More listings. Fewer bidding wars. More power in the buyer’s court.
According to Logan Martini of the Martini Mortgage Group, buyers now have breathing room:
“Sellers are offering concessions like rate buydowns and closing cost credits. That’s opportunity knocking.”
If you’ve been waiting for a saner market, this could be your moment.
Homeownership = Tax Benefits
Let’s talk taxes—but keep it sexy. Here are just a few benefits Uncle Sam offers homeowners:
- Mortgage interest deduction
- Property tax deductions
- Capital gains exclusions (up to $250K or $500K married if you live in your home for 2 years)
None of these apply when you rent. Translation? You’re missing out on thousands in potential savings every year.
Homeownership doesn’t just build wealth—it protects it.
Predictable Payments = Peace of Mind
Rent increases aren’t just annoying—they’re destabilizing. One lease renewal and boom–your budget’s in chaos.
With a fixed-rate mortgage, your monthly principal and interest payments stay the same for 30 years.
No surprises. No rent hikes. Just security, consistency, and the space to plan for your next chapter.
Whether you’re starting a family, building your career, or just ready for some control in your life, homeownership lays the foundation.
Final Thoughts from Certified Mortgage Advisor & Raleigh Mortgage Broker Kevin Martini
Here’s what every first-time homebuyer needs to hear: You don’t need perfect credit, a huge down payment, or all the answers to begin.
You just need a plan—and a guide.
At Martini Mortgage Group, we take a fiduciary approach to lending. That means your best interests always come first.
Want to explore your options? Call Kevin Martini at 919.238.4934 for a confidential, complimentary conversation.
The only regret we hear from first-time homebuyers? Waiting too long.
Make 2025 the year you stop renting and start building. Let’s talk.
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