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And the winner is, homeownership!

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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.

Buying a Home in Raleigh with Confidence

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Kevin Martini is a mortgage broker in Raleigh NC and offers access to a powerful tool called; Martini Mortgage Group Homebuyer Portal which is powered by Homebot. If you are thinking of buying for the first-time or as a repeat homebuyer, unlock your free secure access to this portal that highlights market temperature in Raleigh, NC (or any city in the U.S.) and price point along with other powerful metrics.

Our buyer portal provides impactful data on when and where you should buy a home. It also provides clarity to understand your buying power so when the time is right, you will have certainty.

Kevin Martini | Mortgage Lender Raleigh
Buy Smart To Build Wealth Faster

KNOW WHEN AND WHERE TO BUY

What if you could find your dream home at a better price in a nearby neighborhood? Explore zip codes by popular market, cheaper buys, & more!

UNDERSTAND YOUR BUYING POWER

Getting prequalified is nice but irrelevant in the current market! A must in today’s market is to be fully approved so you can make a ‘same-as-cash’ offer armed with price and cost clarity along with having certainty.

Are you selling too? With the Martini Mortgage Group Homebuyer Portal you can add your home to see its value, and how much cash you could put towards your next home.

BE READY TO MAKE YOUR MOVE

Don’t miss out on your dream home because you’re unprepared.

Be a competitive buyer by getting approved and double checking the market trends.

TO START, JUST ENTER THE CITY YOU WANT TO LIVE

FOR MORE INFORMATION, CHECK OUT THESE EPISODES OF THE MARTINI MORTGAGE PODCAST

Mortgage Lender in Raleigh NC Shares How Sellers Can Benefit From A 2-1 Buydown

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A buydown, specifically a ‘2-1 Seller-Paid Buydown’ is an amazing buyer and seller negotiating strategy in a real estate market that is neutralizing. 

What is a ‘Seller-Paid 2-1 Buydown’?

A “Seller-Paid 2-1 Buydown” is where a seller pay a fee at the closing to reduce the interest rate on the buyer’s mortgage by 2% in year 1 and 1% in year 2. This results in temporarily lowering the buyer’s monthly payment and making the home more affordable for them.

What are the benefits of a 2-1 Buydown?

A 2-1 Buydown reduces the buyer’s interest rate and monthly payment during the first few years of homeownership, making the home more affordable for them.

It has a much greater impact on the buyer’s monthly payment than reducing the list price of the home.

This could be a great negotiating tool because a greater percentage of homes listed for sale in today’s market are seeing price reductions. A 2-1 buydown makes a listing more affordable to a wider range of buyers who may have otherwise been priced out of the market.

How does a 2-1 Buydown give a seller a competitive advantage?

When a seller offers to pay for a 2-1 buydown for a homebuyer it could give their home for sale a competitive advantage vs. other homes listed for sale in today’s changing market. This is because interest rates have gone up significantly this year, creating an affordability crisis for many potential buyers.

A 2-1 buydown could also save you the aggravation and financial loss of having to significantly reduce your list price in order to compete with other homes that may be listed for a lower price.

Let me know if you’d like for me to run some numbers to see the specific impact that this strategy could make in your situation!

Kevin Martini, mortgage lender Raleigh

3 Buydown options offered by the Martini Mortgage Group

what is a 1 0 buydown 1
what is a 2 1 buydown
what is a 3 2 1 buydown

For more information about Seller-Paid Buydowns tune into the Martini Mortgage Podcast

The Martini Mortgage Group at Gold Star Mortgage

The Martini Mortgage Group is located at 507 N Blount St, Raleigh, NC 27604 and helps families in every county in North Carolina.