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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

      First-Time Homebuyers Tax Credit | Martini Mortgage Group

      February 5, 2023 by Kevin Martini

      Many first-time homebuyers in North Carolina 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 is up to $2,000 every year as long as the home remains your primary residence.  

      A MCC allows eligible first-time homebuyers to receive a federal tax credit of 30% of the mortgage interest paid annually on existing homes (50% on new construction). If you are one of the many that will qualify, you could save up to $2,000 per year on your federal tax liability.

      Martini Mortgage Podcast Special Episode 172: Tax Credit 

      Difference between Tax Credits and Tax Deductions

      Understanding the difference between tax credits and tax deductions can help reduce your tax burden. A tax credit directly reduces the amount you owe to the government, while a tax deduction reduces your taxable income. With the MCC you are able to get both, assuming you itemize your tax return.

      Imagine that after all eligible deductions are taken out of an individual’s income, they come to be taxed on $50,000. For example, a tax credit of $2,000 in this case would help reduce the tax liability from $5,000 (at a rate of 10%) to $3,000 – for a tax savings of $2,000 overall.

      A tax credit directly reduces the amount of tax you owe dollar-for-dollar.  So a $2,000 tax credit lowers your tax by $2,000. 

      Kevin Martini | Certified Mortgage Advisor and Raleigh Mortgage Broker

      On the other hand, if this person were able to have their taxable income reduced from $50,000 to $47,500 through a tax deduction of $2,500 – their tax bill would be significantly lower at just $4,750 (from previously calculated: 10% x 50000 = 5000). Clearly understanding the difference between tax credits and tax deductions could result in significant savings for individuals or companies who are filing returns with the government.

      best raleigh mortgage broker logan martini 507 n blount st raleigh nc 27604 1024x424

      To learn more about tax benefits of owning a home and having a mortgage, check out this informative article called: Tax Benefits to Owning a Home and Having a Mortgage

      Are you eligible?

      You may be eligible if:

      • you are a first-time homebuyer or military veteran or buying in a targeted census tract
      • you meet the income limits and sales price limits
      • you are purchasing a home in North Carolina
      • you will occupy the home as your primary residence within 60-days of closing
      • you are a legal resident of the U.S.

      To determine your eligibility and property eligibility, contact either Kevin Martini or Logan Martini with the Martini Mortgage Group.

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      certified mortgage advisor kevin martini

      Filed Under: Buy a Home, Home Mortgage Interest Deduction, Housing, Kevin Martini, Martini Mortgage Podcast, MCC, Mortgage, Mortgage Credit Certificate, Mortgage Podcast, Mortgage Rates, NCHFA, North Carolina Housing and Finance Agency, Raleigh, Real Estate, Standard Deduction, Tax Benefits, Wake County Tagged With: Buying a Home in North Carolina, Buying a Home in Raleigh, First-time Homebuyer Tax Credit, Gold Star Mortgage, Kevin Martini, Martini Mortgage Podcast, MCC, Mortgage Credit Certificate, Mortgage Podcast, NCHFA, North Carolina Housing Finance Agency, Raleigh Mortgage Broker, Real Estate Podcast, Tax Credit

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