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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

      Understanding Mortgage Rates in Raleigh: Expert Analysis and Insights from Martini Mortgage Group

      March 2, 2023 by Kevin Martini

      Raleigh mortgage rates have been a topic of concern for homebuyers and real estate professionals as they have drifted higher in February 2023. As February 2023 ended and March 2023 has started, the bond market has seen several days of consolidation. This has led to uncertainty about the future direction of mortgage rates, and many are wondering whether they will continue to rise or fall.

      Raleigh Mortgage Market Update with Kevin Martini (video edition of Martini Factor produced 03.02.2023)

      • Consolidation occurs when the market trades within a range or trades sideways.
      • No one can predict whether the market will move up or down until there is a catalyst.
      • The Stochastic indicator is used to analyze the technical aspects of the bond market.
      • Higher bond prices lead to lower mortgage rates.
      • The Federal Reserve has a significant impact on mortgage rates.
      • Inflation and unemployment are fundamental factors that affect mortgage rates.
      • The Employment Report and CPI data are potential catalysts for mortgage rates.
      • Understanding the four stages of buyer demand can help homebuyers make the most of the current environment.

      Expert Analysis and Insights by Kevin Martini

      Over the last 7 trading days, the market has seen consolidation, which is when the market trades within a range or trades sideways. Until there is a catalyst, no one can predict whether the market will move up or down. However, once consolidation is broken, it may lead to a bigger move up or down. This is why the Martini Mortgage Group deploys technical analysis to help the families they serve.

      From a technical perspective, we have to look at the stochastic. For Certified Mortgage Advisor and Raleigh mortgage broker Kevin Martini, the catalyst is when the stochastic goes over 20%, because that means momentum is shifting. Right now, momentum is towards the downside. To support this thesis, let’s look at October 2022 and January 2023. There was a move above 20% on the stochastic, which was the catalyst for higher bond prices. When there are higher bond prices, there is a lower yield, which means lower mortgage rates.

      expert analysis and insights by raleigh mortgage broker kevin martini

      Currently, there is consolidation in the market, and it is trying to form a base. From a fundamental point of view, there is not a lot of news that is going to move the market, in Kevin Martini’s opinion. There is potential for more downside based on technicals.

      Where are Raleigh mortgage rates headed?

      So where are Raleigh mortgage rates going? Is the bond price going to rise and cause lower Raleigh mortgage rates or are bond prices going to go lower and cause even higher Raleigh mortgage rates? The Martini Mortgage Group has two days on the radar as a catalyst. The first is March 10th when the Employment Report is released, and the second is March 14th with the release of the CPI data.

      It is Kevin Martini’s opinion that these reports will improve mortgage rates, but there are no guarantees. If March 10th and 14th work out the way he predicts, it is optimistic to think we will get to the 200-day moving average, but it is possible to get to the 50-day moving average. If that happens, there will be an improvement in Raleigh mortgage rates.

      Despite the current uncertainty, there is still an opportunity for homebuyers. In fact, it is an epic opportunity for a homebuyer. To maximize this opportunity, homebuyers must understand the four stages of buyer demand. These four stages are Awareness, Interest, Desire, and Action. Understanding these stages can help homebuyers make the most of the current market conditions.

      martini mortgage podcast with raleigh mortgage lender kevin martini

      If you are a homebuyer or if you work in the real estate community, it is essential to understand these stages. There was a great episode of the Martini Mortgage podcast, episode 173, called “4 Stages of Buyer Demand”. Perhaps a better name for this episode would be: “How homebuyers can use the 4 stages of homebuyer demand to maximize advantage”.

      In closing, Raleigh mortgage rates have drifted higher in February 2023, and the bond market has seen several days of consolidation. The technicals indicate that momentum is towards the downside, but there is potential for improvement based on the upcoming Employment Report and CPI data. Homebuyers must understand the four stages of buyer demand to maximize the opportunity in the current market conditions. If you have any questions about the current state of the market or about mortgage rates in Raleigh, give Kevin Martini or his business partner and fellow mortgage strategist Logan Martini a call by dialing (919) 238-4934.

      3 FAQ for Homebuyers to Know About Raleigh Mortgage Rates

      Q: What is the bond market, and how does it affect mortgage rates in Raleigh?

      A: The bond market is a financial marketplace where investors buy and sell bonds. Raleigh mortgage rates live in the bond market because the prices of bonds influence mortgage rates. When bond prices are high, mortgage rates are low, and vice versa.

      Q: What is the Stochastic indicator, and why is it essential for analyzing the bond market?

      A: The Stochastic indicator is a technical analysis tool that measures the momentum of a financial asset. It is used to analyze the bond market because it can help predict when the market is about to shift.

      Q: What are the potential catalysts for Raleigh mortgage rates in March 2023?

      A: The Employment Report, which is released on March 10th, and the CPI data, which is released on March 14th, are potential catalysts for Raleigh mortgage rates.

      Martini Factor

      Raleigh mortgage rates have drifted higher in February 2023, but the current market environment presents an epic opportunity for homebuyers. Understanding the technical and fundamental factors that affect mortgage rates can help individuals make informed decisions about their financial future. Moreover, knowing the four stages of buyer demand is critcal.

      Filed Under: Home Loans, Kevin Martini, Logan Martini, Martini Factor, Martini Mortgage Podcast, MartiniFactor, Mortgage, Mortgage Broker, Mortgage Podcast, Mortgage Rates, Raleigh Mortgage Rates Tagged With: Kevin Martini, Logan Martini, Martini Factor, North Carolina, Raleigh, Raleigh Mortgage, Raleigh Mortgage Broker, Raleigh Mortgage Rates

      Best Mortgage Broker In Raleigh, NC

      February 27, 2023 by Kevin Martini

      Looking for the best mortgage broker in Raleigh, NC? Look no further than Kevin Martini.

      As a trusted and experienced Certified Mortgage Advisor and mortgage broker, Kevin Martini is dedicated to helping clients find the perfect mortgage solution for their unique needs. Whether you’re a first-time homebuyer, repeat homebuyer or a seasoned investor, Kevin Martini has the expertise and resources to guide you through the mortgage process with confidence and ease.

      Kevin Martini understand that buying a home is one of the biggest financial decisions you’ll ever make. That’s why we’re committed to providing personalized service and tailored solutions to meet your individual needs. Our team of mortgage experts has years of experience in the industry, and we pride ourselves on our ability to provide innovative solutions that help our clients achieve their goals.

      Some Of The Our Services Offered By Kevin Martini

      We offer a wide range of mortgage services to meet the needs of the families we serve, including:

      1. Mortgage Pre-Approval: We’ll help you determine how much you can afford to borrow and provide you with a pre-approval letter to give you a competitive edge when shopping for a home.
      2. Purchase Loans: We’ll help you navigate the complex world of home financing, finding the best loan options to fit your unique needs and budget.
      3. Refinance Loans: We’ll help you refinance your existing mortgage to save you money, lower your interest rate, and help you achieve your long-term financial goals.
      4. Jumbo Loans: We offer jumbo loans for clients looking to purchase high-value properties, giving you access to the financing you need to make your dream home a reality.
      5. VA Loans: We specialize in VA loans for military members and their families, offering competitive rates and flexible terms to make homeownership more accessible.

      Why Choose Kevin Martini?

      When it comes to finding the best mortgage broker in Raleigh, NC, there are plenty of options to choose from. So, why choose Kevin Martini? Here are just a few reasons:

      1. Expertise: Kevin Martini and his team of mortgage strategists have years of experience in the industry, giving them the knowledge and resources to help their clients find the best mortgage solutions for their unique needs.
      2. Personalized Service: Kevin Martini understands that every client is different. That’s why he provides personalized service and tailored solutions to meet your individual needs.
      3. Competitive Rates: He has access to a variety of lenders to offer competitive rates and flexible terms, ensuring that his clients get the best financing options available.
      4. Easy Process: Kevin Martini makes the mortgage process as simple and stress-free as possible, providing clear communication and guidance every step of the way.
      5. Reputation: With a proven track record of success and a commitment to excellence, Kevin Martini is a trusted name in the mortgage industry.

      Contact Kevin Martini Today

      If you’re looking for the best mortgage broker in Raleigh, NC, look no further than Kevin Martini. With a commitment to personalized service and tailored solutions, our team of mortgage experts is dedicated to helping you achieve your homeownership goals. Contact Kevin Martini today to learn more about our services and to get started on the path to homeownership.

      Filed Under: Certified Mortgage Advisor, Kevin Martini, Mortgage Broker Tagged With: Kevin Martini, North Carolina, Raleigh, Raleigh Mortgage Broker, Raleigh Mortgage Lender

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      Martini Mortgage Group at Gold Star Mortgage Financial Group, Corporation | NMLS # 3446 | For licensing information go to: www.nmlsConsumerAccess.org and/or www.GoldStarFinancial.com Please review our Disclosures & Licensing information | Gold Star Mortgage Financial Group Corporation has no affiliation with the US Department of Housing and Urban Development, the US Department of Veterans Affairs, the US Department of Agriculture or any other government agency. Equal Housing Lender. For further information about Gold Star Mortgage Financial Group, Corporation, please visit our website at www.GoldStarFinancial.com. Receipt of application does not represent an approval for financing or interest rate guarantee. Applicant subject to credit, acceptable appraisal, title, and underwriting approval. Not all applicants will be approved. Other terms and conditions apply. Contact Gold Star Mortgage Financial Group, Corporation for more information and up-to-date rates.

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