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The Ultimate Home Buying and Mortgage Guide: Martini Buyer Guide Spring 2023 Edition | Martini Mortgage Group

March 7, 2023 by Kevin Martini

If you’re in the market to purchase a home, whether for the first time or not, there are several crucial factors to consider before you make your purchase. The process can be overwhelming and confusing, but fortunately, Kevin Martini, a certified mortgage advisor and Raleigh mortgage broker, along with Logan Martini, a senior mortgage strategist, have created the Martini Buyer Guide, the ultimate home buying and mortgage resource.

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.

The Martini Mortgage Group’s Guide to Buying a Home and Getting a Mortgage

The Spring 2023 Martini Buyer Guide was curated to simply explain what is going on in the real estate and mortgage markets.

Senior Mortgage Strategist and Raleigh Mortgage Broker Logan Martini
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the ultimate home buying and mortgage guide martini buyer guide spring 2023 edition martini mortgage group

A Glimpse of some Content of the Ultimate Home Buying and Mortgage Guide

What’s Happening in the Housing Market?

The housing market is continuously changing, and it’s essential to keep up with the latest trends, particularly if you’re planning to buy a home this spring. Two critical points to consider are Raleigh mortgage rates and home prices. The Martini Buyer Guide’s article, which starts on page 3, provides more details on these two essential factors.

Using the 4 Stages of Homebuyer Demand to YOUR Benefit

To make the most of your home-buying experience, you need to understand the 4 stages of buyer demand. The Martini Buyer Guide’s article, which starts on page 6, explains these stages and provides insights on how to use them to your advantage. If you want to learn more about this topic, tune in to episode 173 of the Martini Mortgage Podcast, available on all streaming services.

How the Supply of Homes For Sale is Changing

One of the biggest challenges in the housing market today is the low number of homes for sale. However, there are more options available now than there were at this time last year. The Martini Buyer Guide’s article, which starts on page 7, explains what this means for homebuyers.

What Past Recessions Tell Us About the Housing Market and Raleigh Mortgage Rates

Many people are wondering what a recession could mean for home values and mortgage rates. The Martini Buyer Guide’s article, which starts on page 11, provides insights into what past recessions tell us about the housing market and Raleigh mortgage rates.

First-Time Homebuyer Tax Credit

If you’re a first-time homebuyer in North Carolina, you may be eligible to save up to $2,000 a year with the Mortgage Credit Certificate (MCC) offered by the Martini Mortgage Group in partnership with North Carolina Housing and Finance Agency (NCHFA). This tax credit is not just for the first year; it’s up to $2,000 every year as long as the home remains your primary residence. 

5 Traps to Avoid When Buying A Home

Buying a home is a significant investment, and it’s important to avoid common mistakes that could cost you in the long run. The Martini Buyer Guide’s article, which starts on page 19 of the Spring 2023 edition, provides valuable insights on five traps to avoid when buying a home.

Things to Avoid After Applying for a Mortgage

Once you’ve found the right home and applied for a mortgage, there are specific things you should avoid doing before closing on your home. Any blip in income, assets, or credit should be reviewed and executed in a way that ensures your home loan can still be approved. The Martini Buyer Guide’s article, which starts on page 24, provides more information on what to avoid after applying for a mortgage.

Martini Buyer Guide | Spring 2023 Edition

The-Ultimate-Home-Buying-and-Mortgage-Guide-Martini-Buyer-Guide-Spring-2023-Edition-Martini-Mortgage-GroupDownload
Let’s Connect

I’m sure you have questions and thoughts about securing the proper mortgage with the lowest cost of borrowing and real estate process. We’d love to talk with you about what you’ve read in the Spring 2023 Edition of the Martini Buyer Guide and help you on the path to buying your new home. Our number is (919) 238-4934 and we look forward to working with you.

logan martini

Logan Martini


Senior Mortgage Strategist | NMLS 1591485

Logan@MartiniMortgageGroup.com

    kevin martini best raleigh mortgage broker

    Kevin Martini

    Certified Mortgage Advisor | NMLS 143962

    Kevin@MartiniMortgageGroup.com

      Filed Under: 2-1 Buydown, Affordability, Appreciation, Buy a Home, buydown, Buydowns, Certified Mortgage Advisor, Forced Savings, Home Loan, Home Loan Rates, Home Loans, Home Values, Housing, Housing Market, Inflation, Kevin Martini, Logan Martini, Martini Buyer Guide, Martini Mortgage Podcast, MCC, Mortgage, Mortgage Broker, Mortgage Credit Certificate, Mortgage Podcast, Mortgage Rates, NCHFA, North Carolina Housing and Finance Agency, Raleigh, Raleigh Mortgage Rates, Real Estate, Real Estate Podcast, Recession, Seller Strategy, Things to Consider when Buying a Home, Wake County Tagged With: 4 stages of homebuyer demand, Buying a Home in Raleigh, How the Supply of homes for sale is changing, Kevin Martini, Logan Martini, Raleigh, Raleigh Mortgage Broker, Raleigh Mortgage Lender, Real Estate, Top reasons to own a home, What is happening in the housing market

      Things to Know and Consider when Buying a Home (Martini Buyer Guide | Winter 2022)

      December 7, 2022 by Kevin Martini

      If you are a first-time homebuyer or a repeat homebuyer, there are many things one needs to know and consider when buying a home.  Certified Mortgage Advisor Kevin Martini and Senior Mortgage Strategist Logan Martini curated the Winter 2022 Martini Buyer Guide to simply explain the current real estate and mortgage markets plus vital information about buying a home and the process of getting a mortgage.  The Winter 2022 edition of the Martini Buyer Guide has many informative articles that talk about things one needs to know about the current real estate and mortgage markets. 

      winter 2022 martini buyer guide
      Winter 2022 Edition of Martini Buyer Guide

      If you are buying real estate, if you are selling real estate, if you are refinancing a mortgage or if you work in the real estate arena then the Winter 2022 Martini Buyer Guide would be very helpful since it simply explains the current real estate and mortgage opportunity.

      The Winter 2022 Martini Buyer Guide was curated to simply explain what is going on in the real estate and mortgage markets.

      Logan Martini, Raleigh Mortgage Broker & Senior Mortgage Strategist

      Contents of the Winter 2022 Martini Buyer Guide (things to know and consider when buying a home)

      best raleigh mortgage broker logan martini

      What is happening in the market?

      With everything going on in the housing market right now, you may have a number of questions about what that means for you and your plans to buy a home. Here are three things that are likely top of mind for you.

      • Why did Raleigh mortgage rates rise so much in 2022?
      • What is happening with home prices in Raleigh?
      • Should I buy a home in Raleigh today?
      raleigh mortgage lender martini mortgage group what is happening in the housing market page 1 of 2 winter 2022 martini buyer guide
      raleigh mortgage lender martini mortgage group what is happening in the housing market page 2 of 2 winter 2022 martini buyer guide

      Expert insights for today’s homebuyers

      If you want to buy a home today in Raleigh or anywhere for that matter, here are a few things experts say you should know about what to expect and why homeownership is so important.

      raleigh mortgage lender martini mortgage group expert insight for todays homebuyers winter 2022 martini buyer guide

      Trends that are good news for Raleigh homebuyers

      As the Raleigh real estate market has cooled but still remains strong, some of the intensity buyers faced during the peak frenzy of the pandemic has cooled too! Here are four trends that may be beneficial when you go to buy a home today.

      1. More homes to choose from
      2. Bidding wars have eased
      3. More negotiation power
      4. Higher loan limits
      raleigh mortgage lender martini mortgage group trends that are good news for raleigh homebuyers winter 2022 martini buyer guide 1 of 3 1
      raleigh mortgage lender martini mortgage group trends that are good news for raleigh homebuyers winter 2022 martini buyer guide 2 of 3 1
      raleigh mortgage lender martini mortgage group trends that are good news for raleigh homebuyers winter 2022 martini buyer guide 3 of 3

      2/1 Buydown

      Increasing Raleigh mortgage rates are presenting some challenges and opportunities not just for first-time homebuyers but also to repeat homebuyers too! Leap over the challenges and into the opportunity with a creative mortgage strategy offered by the Martini Mortgage Group called a Seller Paid Buydown.

      raleigh mortgage broker kevin martini steer paid buydown winter 2022 martini buyer guide
      FREE BUYDOWN CALCULATOR

      In most markets in North Carolina, especially in the Triangle, homebuyers will find that sellers are more willing to negotiate on price or other terms more than they have been in recent years.

      Logan Martini, Raleigh Mortgage Broker & Senior Mortgage Strategist

      5 traps to avoid when buying a home

      raleigh mortgage broker logan martini winter 2022 martini buyer guide 5 traps to avoid when buying home 1 of 3
      1. Home shopping before a solid mortgage approval.
      2. Not considering the costs of sale.
      3. Overlooking the costs of improvements, utilities and maintenance.
      4. Using the wrong down payment strategy.
      5. Shopping for a mortgage vs. shopping for the right mortgage professional.
      raleigh mortgage broker logan martini winter 2022 martini buyer guide 5 traps to avoid when buying home 2 of 3
      raleigh mortgage broker logan martini winter 2022 martini buyer guide 5 traps to avoid when buying home 3 of 3

      Top reasons to own your home!

      • Personal Expression
      • Accomplishment
      • Investment
      • Comfort
      • Family
      • Community
      • Privacy
      • Stability

      The non-financial benefits of homeownership

      While you could see less competition and more room for negotiation, you may be wondering if now’s the best time to buy a home given Raleigh mortgage rates are higher than they were last year. While the financial aspects are important to consider, there are also powerful non-financial reasons it may make sense to become a homeowner. See the full article on page 16 of the Winter 2022 edition of the Martini Buyer Guide.

      Things to avoid after applying for a mortgage!

      raleigh mortgage broker kevin martini winter 2022 martini buyer things to avoid after applying for a mortgage page 1 of 2
      raleigh mortgage broker kevin martini winter 2022 martini buyer things to avoid after applying for a mortgage page 2 of 2 png

      Why buying a home makes better sense than renting

      If there is a time to rent, that time is not now.

      Kevin Martini, Certified Mortgage Advisor and Raleigh Mortgage Broker

      The long-term benefit of homeownership

      Consider this: if you know people who bought a home 5, 10, or even 30 years ago, you’re probably going to have a hard time finding someone who regrets their decision. Why is that? The reason is tied to how you gain equity and wealth as home values grow with time.

      raleigh mortgage broker kevin martini winter 2022 martini buyer benefit of homeownership page1 of 2
      raleigh mortgage broker kevin martini winter 2022 martini buyer benefit of homeownership page 2 of 2
      Things to Know and Consider when Buying a Home (Martini Buyer Guide Winter 2022)Download

      Let’s chat…

      I’m sure you have questions and thoughts about securing the proper mortgage with the lowest cost of borrowing and real estate process.

      We’d love to talk with you about what you’ve read in the Winter 2022 Edition of the Martini Buyer Guide and help you on the path to buying your new home. Our number is (919) 238-4934 and we look forward to working with you.

      logan martini raleigh mortgage lender with martini mortgage group 2

      Logan Martini

      Senior Mortgage Strategist | NMLS 1591485

      Logan@MartiniMortgageGroup.com

        kevin martini best raleigh mortgage broker

        Kevin Martini

        Certified Mortgage Advisor | NMLS 143962

        Kevin@MartiniMortgageGroup.com

          Filed Under: 2-1 Buydown, Affordability, Agency Loan, Appreciation, Buy a Home, buydown, Buydowns, Conforming Loan, Conforming Loan Limits, Conventional Loan, Fannie Mae, Freddie Mac, Home Loan Rates, Home Loans, Home Values, Housing Market, Inflation, Kevin Martini, Loan Limits, Logan Martini, Martini Buyer Guide, Mortgage, Mortgage Rates, Raleigh, Real Estate, Things to Consider when Buying a Home Tagged With: Buying a Home in North Carolina, Kevin Martini, Logan Martini, Martini Buyer Guide, Martini Mortgage Group, MartiniBuyerGuide.com, North Carolina, Raleigh, Raleigh Mortgage, Raleigh Mortgage Broker, Raleigh Mortgage Lender, Raleigh Real Estate, Real Estate, Real Estate Tips, Things to know and consider when buying a home

          And the winner is, homeownership!

          November 14, 2022 by Kevin Martini

          Some people are questioning if they should buy a home this year or if they should wait because of their perception of the current Raleigh real estate market.  Homeownership does not just provide one with a roof, it is a long-term investment that has historically performed very well to create generational wealth. 

          It is impossible to time the purchase of any investment.  

          The timing of purchasing real estate is not based on the current market conditions, the purchase of real estate depends on when buying a home is right for you and your family.

          Real estate is a long-term investment. 

          With all long-term investments, to include real estate, it is impossible to time the market.  It is NOT about the perception of the national real estate market condition, it is all about the reality of the Raleigh real estate market.  The current Raleigh real estate market provides a homebuyer that wants to become a homeowner with 4 very unique opportunities (i.e. 4 Pieces of Good News for Homebuyers): 1) options 2) limited buyer bidding battles 3) power 4) access to introductory mortgage rates

          For more information about these 4 Piece of Good News for Homebuyers, check out episode 165 of the Martini Mortgage Podcast.

          Real estate is a long-term investment that performs.

          Home appreciation in the of the home’s value over time. In the previous 5-years, in North Carolina, homes increased 79.42%. Since 1991, in North Carolina, the average cumulative appreciation was 293.98%.

          north carolina average appreciation since 1991

          #KevinMartiniLive

          Consider the long-term financial benefits of homeownership not the perception of the current environment. In the long run, homeownership wins. If you are ready to explore your options, let’s connect today.

          Filed Under: Appreciation, Home Values, Housing Market, Kevin Martini, Raleigh, Real Estate, Things to Consider when Buying a Home, Uncategorized, Wake County Tagged With: Appreciation, Buying a Home in Raleigh, North Carolina, Raleigh, Raleigh Mortgage Broker, Raleigh Mortgage Lender, Raleigh Real Estate, Real Estate

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