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Buying a Home in Raleigh with Confidence

October 30, 2022 by Kevin Martini

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

Filed Under: Buy a Home, Home Values, Housing Market, Kevin Martini, Mortgage Podcast, Raleigh, Real Estate, Real Estate Podcast, Selling Home, Things to Consider when Buying a Home, Wake County Tagged With: Buying a home in Cary, Buying a home in Durham, Buying a Home in North Carolina, Buying a Home in Raleigh, Buying a home in Wake County, Kevin Martini, North Carolina, Raleigh, Raleigh Mortgage Broker, Raleigh Mortgage Lender, Real Estate

What is going on in Real Estate and Home Loan Rates (October 2022 Edition)

October 9, 2022 by Kevin Martini

What is going on in real estate and home loan rates is the name of a new monthly series being produced by the Martini Mortgage Group for the Martini Mortgage Podcast. Episode 161 is the inaugural issue.

I truly believe episode 161 is one of the most important, if not the most important, that Logan and I have produced to date.

Kevin Martini, Certified Mortgage Broker

Video Edition of Martini Mortgage Podcast episode 161 called: What is going on in Real Estate and Home Loan Rates (October 2022 Edition)

Audio Edition of Martini Mortgage Podcast episode 161 called: What is going on in Real Estate and Home Loan Rates (October 2022 Edition)

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Transcript of Martini Mortgage Podcast episode 161 called: What is going on in Real Estate and Home Loan Rates (October 2022 Edition)

1
00:00:00,620 –> 00:00:04,726
[kevin_martini]: there’s a lot of scary headlines out
there right now which are highlight in the

2
00:00:04,807 –> 00:00:09,895
[kevin_martini]: sudden rise of mortgage rates the increase
in house inventory people are now talking about

3
00:00:10,035 –> 00:00:15,012
[kevin_martini]: the future of real estate and then
you have inflation two this is a new

4
00:00:15,152 –> 00:00:19,645
[kevin_martini]: special video and audio edition of the
new monthly series from the markin mortgage group

5
00:00:19,725 –> 00:00:26,039
[kevin_martini]: that we are calling what is going
on now before i start mixing it up

6
00:00:26,921 –> 00:00:33,153
[kevin_martini]: i need to make those legal folks
happy so the primary purpose of this podcast

7
00:00:33,213 –> 00:00:40,165
[kevin_martini]: series is to inform entertain and educate
the information opinions and recommendations presented in this

8
00:00:40,285 –> 00:00:46,455
[kevin_martini]: podcast series do not constitute legal or
their professional advice opinions or endorsements of any

9
00:00:46,615 –> 00:00:53,226
[kevin_martini]: kind welcome to the martini mortgage podcast
episode one hundred and sixty one i’m calling

10
00:00:53,287 –> 00:00:58,973
[kevin_martini]: it what is going on in october
twenty twenty two inaugural issue my name is

11
00:00:59,073 –> 00:01:04,983
[kevin_martini]: kevin martini and i am a certified
mortgage advisor and producing branch manager and i’m

12
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[kevin_martini]: less one four three nine six two
with the martini mortgage group back gold star

13
00:01:08,870 –> 00:01:16,377
[kevin_martini]: gage financial group corporation and les three
four four six equal house seen lender with

14
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[kevin_martini]: all that said let’s dive into the
news on friday october seventh the bureau of

15
00:01:21,931 –> 00:01:29,558
[kevin_martini]: labor statistics reported that two hundred and
sixty three thousand jobs were created in september

16
00:01:29,658 –> 00:01:36,473
[kevin_martini]: twenty twenty two and this was above
the expectations the unemployment rate decrease from three

17
00:01:36,574 –> 00:01:42,724
[kevin_martini]: point seven to three point five per
cent to the data from these reports spook

18
00:01:42,864 –> 00:01:48,934
[kevin_martini]: the markets because it provides an unofficial
signal that the fad will continue on its

19
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[kevin_martini]: tightening journey and it is likely to
be very aggressive to get inflation under control

20
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[kevin_martini]: moving forward let me be clear the
fan needs tightening because they need to reduce

21
00:02:02,966 –> 00:02:10,218
[kevin_martini]: demand in the market place and this
reduced demand should be the thing that teams

22
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[kevin_martini]: the beast and that beast is inflation
it is my opinion the fed will raise

23
00:02:15,984 –> 00:02:22,195
[kevin_martini]: rates in the november and december meetings
i also believe the fed fung rate could

24
00:02:22,255 –> 00:02:30,295
[kevin_martini]: be increased by one and a half
point it is an undisputable fact we have

25
00:02:30,396 –> 00:02:35,865
[kevin_martini]: not seen inflation at this level for
decades and the fens actions to be transparent

26
00:02:35,945 –> 00:02:43,097
[kevin_martini]: have helped but they’ve helped incrementally but
inflation is still persistent and high this is

27
00:02:43,257 –> 00:02:49,668
[kevin_martini]: critical because inflation is the nemesis or
the arch enemy to mortgage rates you see

28
00:02:50,820 –> 00:02:55,934
[kevin_martini]: mortgage rates are not controlled by the
federal reserve nor do mortgage rates come from

29
00:02:56,015 –> 00:03:02,653
[kevin_martini]: the stock market mortgage rates live in
the bond market inflating a road the return

30
00:03:03,075 –> 00:03:08,185
[kevin_martini]: of a bond just because there is
inflation it does not mean the markets will

31
00:03:08,285 –> 00:03:14,515
[kevin_martini]: stop in the simplest of examples market
makers will offer a higher yield to a

32
00:03:14,616 –> 00:03:22,748
[kevin_martini]: mortgage bond investor when more gage bond
yield is increased that means mortgage rates will

33
00:03:22,948 –> 00:03:28,823
[kevin_martini]: go higher now i feel that the
feds actions will get inflation under control in

34
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[kevin_martini]: the first quarter of twenty twenty three
it’s critical that i share this based on

35
00:03:34,628 –> 00:03:40,517
[kevin_martini]: history the fact has always been late
to the party and they stayed too long

36
00:03:40,597 –> 00:03:45,305
[kevin_martini]: to the party they were clearly too
late to this party because they thought inflation

37
00:03:45,405 –> 00:03:54,367
[kevin_martini]: was transiatory not sticky the developing story
is what will they do when inflationary pressures

38
00:03:54,728 –> 00:04:02,437
[kevin_martini]: are east stay tuned i think they
will stay after the party is over and

39
00:04:02,517 –> 00:04:10,841
[kevin_martini]: then they will promoting growth rapid massive
growth and this growth will provide a sharp

40
00:04:11,242 –> 00:04:17,019
[kevin_martini]: drop in mortgage rates by the way
that’s just not me fan may has said

41
00:04:17,080 –> 00:04:24,192
[kevin_martini]: that too let’s talk about mortgage rates
for a hot second for some the current

42
00:04:24,273 –> 00:04:29,682
[kevin_martini]: rate environment was not possible however for
a long term fans of the martini mortgage

43
00:04:29,742 –> 00:04:35,176
[kevin_martini]: podcast they were advised that this was
likely to happen and for those new fans

44
00:04:35,297 –> 00:04:41,786
[kevin_martini]: let me be clear it is probable
that mortgage rates will get worse before they

45
00:04:41,846 –> 00:04:48,752
[kevin_martini]: get better it is not unthinkable that
mortgage rates could start with an eight sooner

46
00:04:49,154 –> 00:04:56,289
[kevin_martini]: than later there are advanced strategies offered
by myself and fellow morgan strategist logan martine

47
00:04:56,349 –> 00:05:02,279
[kevin_martini]: to help today and in the future
too if home ownership is right for you

48
00:05:02,459 –> 00:05:07,227
[kevin_martini]: as first time home buyer or as
a repeat home buyer one of the many

49
00:05:07,488 –> 00:05:14,900
[kevin_martini]: options is the martini mortgage group no
contract lock program with a free flow down

50
00:05:15,561 –> 00:05:22,993
[kevin_martini]: up to ninety days this is a
very simple program but it is very powerful

51
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[kevin_martini]: here’s how it works a future home
buyer ken lock their mortgage rate at to

52
00:05:29,084 –> 00:05:35,334
[kevin_martini]: day’s price and that price can be
protected for up to ninety days in the

53
00:05:35,414 –> 00:05:39,782
[kevin_martini]: event there’s an improvement in the rate
when the future home buyer goes under contract

54
00:05:40,183 –> 00:05:44,815
[kevin_martini]: for their new home they will have
the option to float the right down to

55
00:05:44,856 –> 00:05:53,546
[kevin_martini]: the improved right how cool is that
this unique no contract lock program can be

56
00:05:53,586 –> 00:05:59,275
[kevin_martini]: combined with a seller paid by down
program offered by the martini mortgage group for

57
00:05:59,335 –> 00:06:04,504
[kevin_martini]: more information about the seller paid by
down check out episode one five nine of

58
00:06:04,544 –> 00:06:12,057
[kevin_martini]: the martini mortgage podcast since it explains
it in great detail the benefits of a

59
00:06:12,157 –> 00:06:18,903
[kevin_martini]: seller paid by down just give you
a glimpse if that’s okay real belief fly

60
00:06:18,983 –> 00:06:23,990
[kevin_martini]: there are three types of by downs
there’s a one one by down there’s a

61
00:06:24,371 –> 00:06:30,040
[kevin_martini]: two one by down and there’s a
three to one by down for illustration only

62
00:06:30,161 –> 00:06:35,670
[kevin_martini]: let’s assume your rate you lock with
our no contract lock program at six per

63
00:06:35,730 –> 00:06:42,560
[kevin_martini]: cent and let us assume you negotiate
or two one seller paid buy down this

64
00:06:42,700 –> 00:06:47,027
[kevin_martini]: would mean in the first year your
rate would be four per cent and in

65
00:06:47,068 –> 00:06:50,914
[kevin_martini]: the second year your rate would be
five per cent and then it would go

66
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[kevin_martini]: to six for your three through thirty
seller paid buy downs are a win win

67
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[kevin_martini]: since this program benefits both the seller
and the buyer too it’s not just me

68
00:07:06,783 –> 00:07:16,610
[kevin_martini]: but it is many experts believe that
the mortgage rates will significantly improve towards the

69
00:07:16,731 –> 00:07:22,039
[kevin_martini]: end of twenty twenty three to the
beginning of twenty twenty four the experts that

70
00:07:22,140 –> 00:07:26,447
[kevin_martini]: our bullets she that could be as
soon as the second quarter of twenty twenty

71
00:07:26,487 –> 00:07:31,242
[kevin_martini]: three to be transparen i think the
bulls are being a little bit too aggressive

72
00:07:31,302 –> 00:07:36,603
[kevin_martini]: and running too fast here is the
punch line the home loan rate you get

73
00:07:36,683 –> 00:07:40,190
[kevin_martini]: today is not likely going to be
the home loan rate you will have in

74
00:07:40,230 –> 00:07:45,891
[kevin_martini]: a couple of years because when the
thed gets inflation under control again when not

75
00:07:46,071 –> 00:07:51,736
[kevin_martini]: if and while they are staying at
the party too long which they will there

76
00:07:51,876 –> 00:07:57,876
[kevin_martini]: are going to be re finance opportunities
according to fanny may as i said earlier

77
00:07:58,156 –> 00:08:04,515
[kevin_martini]: they expect rates to start with the
four sometime in twenty twenty three this is

78
00:08:04,635 –> 00:08:11,869
[kevin_martini]: why the phrase marry the house and
date the rate is being said so frequently

79
00:08:11,949 –> 00:08:20,737
[kevin_martini]: by myself my fellow mortgage strategist logan
martini and others let me break it down

80
00:08:21,770 –> 00:08:28,080
[kevin_martini]: it is very probable that mortgage rates
will increase over the next three to six

81
00:08:28,280 –> 00:08:34,497
[kevin_martini]: months to levels that millennials have never
seen and even some folks that are generation

82
00:08:34,800 –> 00:08:42,117
[kevin_martini]: exerts mortgage rates are not the only
thing going up rents are going up to

83
00:08:43,090 –> 00:08:48,900
[kevin_martini]: don’t believe me well let me share
the facts in rale north carolina from july

84
00:08:49,100 –> 00:08:54,589
[kevin_martini]: twenty twenty one to july twenty twenty
two rents for one bedroom apartment went up

85
00:08:55,250 –> 00:08:59,657
[kevin_martini]: two point one per cent and a
two bedroom apartment went up forty four point

86
00:08:59,838 –> 00:09:05,848
[kevin_martini]: eight per cent in durham the bull
city of north carolina for the same period

87
00:09:05,928 –> 00:09:11,250
[kevin_martini]: of time to every apartment went up
fifty four point two per cent you know

88
00:09:11,310 –> 00:09:17,861
[kevin_martini]: what else is going up home values
did you know that three point eight four

89
00:09:18,122 –> 00:09:24,574
[kevin_martini]: per cent is the average annual growth
in home prices from ten eighty nine to

90
00:09:24,735 –> 00:09:32,198
[kevin_martini]: two thousand nineteen check it out i
took out the eighteen point five per cent

91
00:09:32,338 –> 00:09:38,068
[kevin_martini]: of annual appreciation per year for the
last two years of this calculation because the

92
00:09:38,730 –> 00:09:46,075
[kevin_martini]: home christ growth during the presence of
the eagle pandemic was a typical so three

93
00:09:46,155 –> 00:09:52,880
[kevin_martini]: point eight four per cent is the
past what about the future it is my

94
00:09:53,001 –> 00:09:58,890
[kevin_martini]: opinion what one person says about the
future of home values is irrelevant for me

95
00:09:59,491 –> 00:10:04,239
[kevin_martini]: and for the families the martini mortgage
group serves the gold standard of future home

96
00:10:04,520 –> 00:10:10,791
[kevin_martini]: uses the home price expectation survey done
every quarter by pullsnomics and that is because

97
00:10:10,871 –> 00:10:17,091
[kevin_martini]: it’s not one person’s opinion it is
the opinion of over one hundred experts oh

98
00:10:17,191 –> 00:10:23,201
[kevin_martini]: by the way the home price expectation
survey is expecting a five year cumulative appreciation

99
00:10:23,762 –> 00:10:30,739
[kevin_martini]: of over twenty four percent closer to
twenty five actually let me get granular for

100
00:10:30,800 –> 00:10:37,347
[kevin_martini]: a hot second let me not use
the current forecast from the home price expectation

101
00:10:37,487 –> 00:10:43,959
[kevin_martini]: survey data nor the data from the
past twenty years prior to the evil pandemic

102
00:10:45,400 –> 00:10:51,792
[kevin_martini]: let me be super conservative and let
me just say three percent appreciation a year

103
00:10:52,293 –> 00:10:59,012
[kevin_martini]: for the next five years what would
this mean simply put a fifteen thousand dollar

104
00:10:59,072 –> 00:11:05,478
[kevin_martini]: down payment on a three hundred thousand
house could grow to sixty two thousand dollars

105
00:11:05,558 –> 00:11:12,033
[kevin_martini]: over five years twenty five thousand dollar
thou payment on a five hundred thousand dollar

106
00:11:12,114 –> 00:11:19,370
[kevin_martini]: house could grow to a hundred and
four thousand dollars in over five years a

107
00:11:19,590 –> 00:11:25,600
[kevin_martini]: forty five thousand dollar down payment on
a nine hundred thousand dollar home could grow

108
00:11:25,801 –> 00:11:33,723
[kevin_martini]: to a hundred and eighty eight thousand
dollars over five years not owning a home

109
00:11:34,364 –> 00:11:42,005
[kevin_martini]: could not just cost you thousands but
tens of thousands it’s in we all have

110
00:11:42,065 –> 00:11:46,902
[kevin_martini]: to have a roof over our head
some will rent it and when you rent

111
00:11:47,222 –> 00:11:52,716
[kevin_martini]: you pay a mortgage you’re not paying
your mortgage you’re just paying for your landlords

112
00:11:52,816 –> 00:11:59,365
[kevin_martini]: mortgage for them others will own that
roof and logan martini and myself help them

113
00:11:59,525 –> 00:12:05,734
[kevin_martini]: secure the proper mortgage strategy for that
roof let me say this another way for

114
00:12:05,814 –> 00:12:13,037
[kevin_martini]: the people the back the growth in
home appreciation has decelerated in twenty twenty two

115
00:12:13,398 –> 00:12:19,288
[kevin_martini]: but just because home prices have decelerated
it does not mean homes are going to

116
00:12:19,368 –> 00:12:27,025
[kevin_martini]: depreciate in the aggregate poets are going
to continue to appreciate and grant it in

117
00:12:27,245 –> 00:12:34,970
[kevin_martini]: some markets that were extra frothy we
may see a decline from their peak key

118
00:12:35,151 –> 00:12:43,426
[kevin_martini]: word is some markets right now home
buyers can still find opportunities and i believe

119
00:12:43,506 –> 00:12:52,690
[kevin_martini]: that today a home buyer has the
proper conditions to secure more buying power if

120
00:12:52,730 –> 00:12:56,817
[kevin_martini]: you’re thinking of buying a home for
the first time or as a repeat home

121
00:12:56,837 –> 00:13:02,486
[kevin_martini]: buyer simply give a mortgage strategist with
a martini mortgage group a jingle by dialing

122
00:13:02,546 –> 00:13:08,784
[kevin_martini]: nine one nine two three eight forty
nine thirty four because it should always be

123
00:13:08,885 –> 00:13:15,885
[kevin_martini]: home long first and then go find
your home okay okay okay let me talk

124
00:13:16,025 –> 00:13:21,185
[kevin_martini]: about this elephant that’s in the room
many good people were hurt during the housing

125
00:13:21,265 –> 00:13:26,734
[kevin_martini]: crisis in two thousand eight if you
are not directly impacted is likely that someone

126
00:13:26,794 –> 00:13:33,524
[kevin_martini]: you cared about was negatively impacted is
sad what happened during the housing crisis but

127
00:13:33,604 –> 00:13:39,553
[kevin_martini]: the events that caused it are not
present today sure the housing crisis caused the

128
00:13:39,633 –> 00:13:45,523
[kevin_martini]: great recession however the great recession did
not cause the housing crisis let me be

129
00:13:46,004 –> 00:13:56,492
[kevin_martini]: crystal clear recession does not housing crisis
today i am reminded by a quote from

130
00:13:56,852 –> 00:14:04,850
[kevin_martini]: warren buffet be fearful when others are
greedy and greedy when others are fearful i

131
00:14:04,890 –> 00:14:10,199
[kevin_martini]: would like to add get educated and
make an educated decision and was right for

132
00:14:10,339 –> 00:14:16,289
[kevin_martini]: you and your family based on the
facts not based on the headline or what

133
00:14:16,369 –> 00:14:22,623
[kevin_martini]: you heard the backyard barbecue there is
never a substitute for education and armed with

134
00:14:22,704 –> 00:14:29,862
[kevin_martini]: a proper knowledge you can find right
now it is time to be greedy because

135
00:14:29,963 –> 00:14:39,130
[kevin_martini]: i have confirmation more millionaires are made
when people are fearful inclosing home ownership is

136
00:14:39,311 –> 00:14:43,874
[kevin_martini]: not right for everyone and the only
way you can truly know if home ownership

137
00:14:43,954 –> 00:14:49,042
[kevin_martini]: is right for you and your family
is by searching for is not by searching

138
00:14:49,102 –> 00:14:55,070
[kevin_martini]: for homes on line or by driving
all over town to visit but houses the

139
00:14:55,230 –> 00:15:00,952
[kevin_martini]: first step is always a home loan
and then once you have clarity of the

140
00:15:01,032 –> 00:15:06,758
[kevin_martini]: cost and the certainty that you can
secure the proper financing for yourself and your

141
00:15:06,819 –> 00:15:12,174
[kevin_martini]: family then you can make an educated
decision if home ownership is right for you

142
00:15:12,756 –> 00:15:20,539
[kevin_martini]: and your family if not it’s totally
fine but you’re making a decision based on

143
00:15:20,719 –> 00:15:25,914
[kevin_martini]: education not got but if it’s right
for you then you can go find your

144
00:15:25,954 –> 00:15:32,423
[kevin_martini]: home being lager focused and with certainty
my name is kevin martini and my fellow

145
00:15:32,503 –> 00:15:37,171
[kevin_martini]: morgan strategist is logan martini and we
are here to help you if you have

146
00:15:37,251 –> 00:15:41,739
[kevin_martini]: questions about what was in this episode
episode one sixty one of the martini morte

147
00:15:41,799 –> 00:15:48,049
[kevin_martini]: podcast no we are here our number
is nine one nine two three eight forty

148
00:15:48,130 –> 00:15:55,314
[kevin_martini]: nine thirty four we both look forward
to help oh by the way our website

149
00:15:55,374 –> 00:16:02,366
[kevin_martini]: has fresh and real information about securing
the proper mortgage strategy along with relevant information

150
00:16:02,687 –> 00:16:09,994
[kevin_martini]: on what one needs to know if
they thinking of buying or need additional resources

151
00:16:10,676 –> 00:16:19,500
[kevin_martini]: check it out by going to w
w w martini mortgage group dot com thank

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[kevin_martini]: you for tuning into this new monthly
series called what the heck is going on

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[kevin_martini]: in october twenty twenty two and thank
you for sharing this episode with someone you

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[kevin_martini]: care about peace and blessings

Filed Under: 1-1 Seller-Paid Buydown, 2-1 Seller-Paid Buydown, 3-2-1 Seller Paid Buydown, Appreciation, Buy a Home, Buydowns, Deprecation, Fannie Mae, Fed Funds Rate, Federal Reserve, Home Loan Rates, Home Loans, Home Price Expectation Survey, Home Values, Housing, Housing Market, Inflation, Kevin Martini, Logan Martini, Martini Mortgage Podcast, Mortgage, Mortgage Podcast, Mortgage Rates, Raleigh, Real Estate, Real Estate Podcast, Recession, Wake County Tagged With: Buying a Home in North Carolina, Buying a Home in Raleigh, Kevin Martini, Logan Martini, Martini Mortgage Group, Martini Mortgage Podcast, Mortgage Podcast, Mortgage Tips, Raleigh, Raleigh Mortgage Broker, Raleigh Mortgage Lender, Real Estate, Real Estate Markets, Real Estate Podcast

A chat with Raleigh Real Estate Agent Bailey Weaver Packard with eXp Realty

October 6, 2022 by Kevin Martini

In a special video edition of the Martini Mortgage Podcast, Raleigh mortgage lender and Certified Mortgage Advisor Kevin Martini interviews Raleigh real estate agent Bailey Weaver Packard with eXpRealty.

Video version of ‘A chat with Raleigh Realtor Bailey Weaver Packard’

Audio version of ‘A chat with Raleigh Realtor Bailey Weaver Packard’

NOTE: The Martini Mortgage Podcast is available on all streaming services and here are some links to some of the more popular streaming services for your quick reference where you can find this an past episodes: Apple Podcasts | Spotify | iHeart Radio

To Contact Raleigh Realtor Bailey Weaver Packard

Website– https://baileyweaver.exprealty.com

Phone Number– (919) 455-3811

Facebook– https://www.facebook.com/BaileyWeaverPackardRealtor

Instagram– https://www.instagram.com/baileyweaverpackardrealtor/ (@baileyweaverpackardrealtor)

TikTok– https://www.tiktok.com/@baileyraleighrealtor (@baileyraleighrealtor)

Transcript of Martini Mortgage Podcast Episode 160: ‘A Chat with Raleigh Realtor Bailey Weaver Packard’

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kevin_martini: i am super excited because on this
special episode of the martini mortgage podcast i

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kevin_martini: am hosting the amazing baily weaver but
before i start talking to balian mixing up

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kevin_martini: the cocktail i need to make those
legal folks happy so the primary purpose of

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kevin_martini: this podcast series is to inform entertain
and educate the information opinions and recommendations presented

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kevin_martini: in this podcast series do not constitute
legal other professional advice opinions or endorsements of

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kevin_martini: any kind welcome to the martini mortgage
podcast episode one hundred sixty my name is

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kevin_martini: kevin martini i’m a certified mortgage adviser
and producing branch manager animals one four three

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kevin_martini: nine six two with the martini work
group a gold star mortgage financial group corporation

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kevin_martini: and three four four six equal

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kevin_martini: housing lender who with all that sad
let’s go on this

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kevin_martini: episode i’m honored to have baily weaver
hi baily

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bailey_weaver: hello thanks for having me

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kevin_martini: thank you for being here i’m going
to tell you this real quick bailey is

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kevin_martini: for those that don’t know is a
very experienced real estate agent goes above and

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kevin_martini: beyond for all of her clients and
one of the unique things are i have

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kevin_martini: the ability to work with a lot
of bailey’s families that she works with and

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kevin_martini: they’re not just clients they become part
of our family they become raving fans and

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kevin_martini: bailey is also one of those rare
folks it’s kind of like seeing a leprkon

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kevin_martini: ride in to unicorn

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kevin_martini: bailey is actually born and raised in
riley so she has a deep knowledge of

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kevin_martini: the real estate market as well as
all things local one more time everybody welcome

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bailey_weaver: o i’m excited to be here

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kevin_martini: listen i’m going to start off with
some rapid fire questions you have to pick

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kevin_martini: between options that i’m going to ask

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kevin_martini: okay is that okay

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bailey_weaver: i’m ready

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kevin_martini: okay so let’s go do you prefer
instagram or the tip top

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kevin_martini: now with the instagram do you prefer
reels or do you prefer post

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kevin_martini: i got to tell you this as
a side bar note if

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kevin_martini: you don’t follow her on the i

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kevin_martini: g you never know what th one
of those reels is going to be right

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kevin_martini: speak of it right now right now
in real estate is it an opportunity or

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kevin_martini: an opportunity missed

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bailey_weaver: it’s an opportunity day all day long
for i say both buyers and sellers

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kevin_martini: both not just fires

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bailey_weaver: yes but yeah

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kevin_martini: so in the future you think that
real estate is going to be continued to

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kevin_martini: be a great investment not a bad
one

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bailey_weaver: correct definitely a great one especially here
in the triangle there’s so much coming to

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bailey_weaver: our area that you just can’t go
wrong

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kevin_martini: fantastic i mean either

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kevin_martini: could tell you this this place is
just green and growing just so you know

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kevin_martini: i remember when i first moved here
there was the four forty since you’re a

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kevin_martini: long time resident you probably didn’t even
have the five five forty when you grew

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bailey_weaver: right there are some parts that i
remember they were just trees and now there

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bailey_weaver: are buildings and roads and it’s come
a long way

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kevin_martini: by the way soon there’s going to
be a six forty

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kevin_martini: who knows i don’t know i don’t
know

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kevin_martini: that romer starting a rumor here

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bailey_weaver: yeah oh i

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kevin_martini: you know

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bailey_weaver: i think it’s a great idea

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kevin_martini: now listen

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kevin_martini: this is a great question and i’m
going to tell you

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kevin_martini: some people have backyard

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kevin_martini: b b q’s always talk

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kevin_martini: about this so i’m going to

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kevin_martini: go here and ask you real quick

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bailey_weaver: i’m ready

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kevin_martini: i know it’s ittle bit outside your
wheelhouse okay so give me your grace right

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bailey_weaver: m okay

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kevin_martini: yes or no a person buying a
home need to put twenty per cent down

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kevin_martini: to get a mortgage

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bailey_weaver: no why why the first time home
buyers think this they don’t

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bailey_weaver: it’s not necessary

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kevin_martini: it’s one of the it’s the tragic
flaw myth our industry twenty percent low down

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kevin_martini: payment options happened all day long so
if somebody told you that in a backyard

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kevin_martini: barbecue ran that guy knows nothing

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kevin_martini: or that gal knows nothing just you
know

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kevin_martini: now now

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kevin_martini: i think i know your answer but

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kevin_martini: do you prefer a single family home
or a town home

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bailey_weaver: i prefer a town home that’s what
i’m in it’s near and dear to my

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bailey_weaver: heart it’s easy easy to be hear
someone was just mowing my my lawn while

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bailey_weaver: we were talking so and

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bailey_weaver: that up

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kevin_martini: really a town home is zero maintenance
living most of the cases right this is

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bailey_weaver: no doubt

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kevin_martini: community taking care of fantastic

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kevin_martini: by the way you know i got
to just just off topic real quick have

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kevin_martini: you ever seen your neighbor bring the
groceries in

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kevin_martini: i have never seen my neighbor bring
the

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kevin_martini: groceries in so that’s

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bailey_weaver: bet they park in the garage that’s
my

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kevin_martini: you go but i’m jusgonna say to
you it’s very weird i wonder if i

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kevin_martini: saw them would i help them the
answers probably know because

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kevin_martini: they haven’t helped me

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kevin_martini: bring mine in but anyway

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kevin_martini: are you fearful billy about about the
market we’re in or excited about it today

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bailey_weaver: i’m excited we want it to be
more of that balance and neutralizing so i

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bailey_weaver: think it’s a great market to be
in

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kevin_martini: that is a powerful world neutral powerful
word neutralizing i love that

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kevin_martini: um now listen some people might be
listening to this podcast that are in new

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kevin_martini: york city

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kevin_martini: some might be watching this casts that
are in california and

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kevin_martini: i know that you’ve been a native
to this area what are things that you

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kevin_martini: love about the triangle of north carolina
that you would want those people to know

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kevin_martini: or even people that live here want
them to know

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bailey_weaver: sure there’s

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bailey_weaver: i could go on and on all
day long about it but i would say

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bailey_weaver: my first thing is the local businesses
here bring so much personality you can drive

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bailey_weaver: downfalls of news and you pass hundreds
of local run businesses and i just think

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bailey_weaver: that’s so inspiring another thing is the
location you can get to the mountains to

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bailey_weaver: the beach and just a matter of
hours we

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bailey_weaver: love a weekend trip to all so
that is amazing but also of course schools

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bailey_weaver: education um hospitals there’s a lot going
here and if you want to live in

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bailey_weaver: the city you can do that if
you want to be more in the suburbs

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bailey_weaver: you can do that so whatever you
want guarantee you we have it

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kevin_martini: yeah i like to think rowley is
a big city that you can’t get lost

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kevin_martini: in has all

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kevin_martini: of a big city broadway productions come
here to the de pack and durham

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kevin_martini: also over here downtown all r do
you airport you can fly a plane direct

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kevin_martini: to iceland right and well you’ve got
to be a passenger on that plane but

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kevin_martini: you got you can go to vegas
direct as well

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kevin_martini: so i know that you’re a food
right

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bailey_weaver: yes i

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bailey_weaver: love it

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kevin_martini: so what is your favorite

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kevin_martini: restaurant in the triangle of north carolina

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bailey_weaver: there’s two that i have to mention
the first one is sassool have you been

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kevin_martini: i have not been this assudebut they
have

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kevin_martini: multiple locations don’t they

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bailey_weaver: they do they’ve got one in rally
on strickland on north rally and then also

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bailey_weaver: one in care and then i

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bailey_weaver: i’m not sure if there’s one in
durham or not i want to say there’s

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bailey_weaver: a third but it’s mediterranean and it’s
very cash well we i go once a

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bailey_weaver: week were regulars there we love it
and then the other one it would be

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bailey_weaver: village grill at la feet village

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bailey_weaver: it’s also

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bailey_weaver: north really

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kevin_martini: what a great place what

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kevin_martini: is it called again

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bailey_weaver: village girl

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kevin_martini: village grill

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kevin_martini: listen i would just tell you this
that and those are just two places let

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kevin_martini: me just tell

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kevin_martini: you this if you ever need a
rest restaurant recommendation call bailey just you

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kevin_martini: she she has your back real quick

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kevin_martini: you know one thing bailey that i
have found is that here in this in

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kevin_martini: the real estate arena there’s

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kevin_martini: some agents and then there’s some great
agents and you’re one of the great ones

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kevin_martini: and i think that one of the

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kevin_martini: that you being an advocate for the
customer you don’t have commission breath you have

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kevin_martini: a caring heart that you go after

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kevin_martini: it for what’s best for them and

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kevin_martini: one thing that i share when i
was we were scheduling and having some talks

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kevin_martini: about who to be on the episode
um the one word was hustle describe g

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kevin_martini: so since we describe you as one
that hustles and grinds and gets the

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kevin_martini: job done how

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kevin_martini: do you define hustle

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bailey_weaver: say hustles just going after what you
want and not letting anything anybody stop you

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bailey_weaver: keeping your eye on the prize

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kevin_martini: keeping your eye on the prize and
i got

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kevin_martini: to just tell you she keep the
eye on the prize i think one of

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kevin_martini: the reasons that you’re so successful in
my opinion

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kevin_martini: is you believe if you treat other
people first you’ll never be second and

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kevin_martini: i got to just compliment you on
that because this lady

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kevin_martini: hustle for you so why

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kevin_martini: and how did you get into real
estate

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bailey_weaver: well previously i was a sales for
a gift company and i loved it but

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bailey_weaver: when the pandemic hit it changed the
company so i had to make a decision

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bailey_weaver: do i stay with the changes or
do i start something new in my aunt

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bailey_weaver: had always i would be great at
real state i love people i love helping

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bailey_weaver: people i know the area like the
back of my hand in home is just

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bailey_weaver: so important to me personally so i
love having the opportunity to help people find

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bailey_weaver: their stability in there and gain some
financial

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bailey_weaver: assets while doing so

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kevin_martini: well let me just tell you this
there is finally

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kevin_martini: found one great thing that happened with
the pandemic bailey weaver got into real estate

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kevin_martini: how awesome is that

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bailey_weaver: thank you

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kevin_martini: i was i was just going to
share with you this industry is better off

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kevin_martini: having you and just so you know
and i

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kevin_martini: know that

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kevin_martini: the families you serve are go ahead
and echo that sentiment so what is the

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kevin_martini: most memorable your most memorable

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kevin_martini: moment of your real estate career

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bailey_weaver: okay it doesn’t happen too

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kevin_martini: so far so

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bailey_weaver: far right my favorite thing hands down

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bailey_weaver: is when i get to be with
my clients my buyers when they’re in the

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bailey_weaver: house showing it off to their friends
family for the first time the pride and

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bailey_weaver: the joy that they are just exuding
it’s inspiring and all their hard work has

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bailey_weaver: paid off so that’s really my favorite
part

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kevin_martini: you know

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kevin_martini: it’s reminds me of a story that
you don’t just help people find a roof

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kevin_martini: you help people find a home

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kevin_martini: and and it doesn’t matter how big
the home is it matters how happy they

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kevin_martini: are and

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kevin_martini: that is just a great testimony on
that you know bailey don’t believe there’s such

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kevin_martini: a thing as a bad

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kevin_martini: real estate market nor do i think

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kevin_martini: there’s anything such as a good real
estate market

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kevin_martini: ere’s just real estate market right

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kevin_martini: would you agree to that

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bailey_weaver: yes definitely

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kevin_martini: um and since you agree in the
current real estate market what are the opportunities

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kevin_martini: if one is a first time home
buyer and what are the challenges

305
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kevin_martini: if one is a first time home
buyer today

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bailey_weaver: sure the opportunities are kind of endless
right now you don’t have to compare to

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bailey_weaver: last year right you don’t have to
do crazy over asking will do diligence amounts

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bailey_weaver: you don’t have to wave inspections wave
appraisals it’s a lot i would say it’s

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bailey_weaver: a safer market it was kind of
a gamble last year so that’s

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kevin_martini: it was like

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bailey_weaver: a huge

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kevin_martini: a wild

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kevin_martini: wild west right

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bailey_weaver: wild loudest that’s right there’s also a
lot of incentives right now with builders so

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bailey_weaver: i think i think that’s a huge
opportunity for buyers and then challenges the first

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bailey_weaver: one that comes to mind is just
i’m comparing their situation to somebody else’s maybe

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bailey_weaver: from last year

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bailey_weaver: you know my friend got this i
want that but it’s a new market and

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bailey_weaver: there’s benefits both both sides

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kevin_martini: let’s talk about that real quick

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kevin_martini: because i think you used the word
called neutral neutralized

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bailey_weaver: the market is neutralizing balancing i personally
don’t love the word shift kind of has

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bailey_weaver: a negative sound to it so neutralizing
balancing because we’re currently experiencing this

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bailey_weaver: this change

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kevin_martini: and so so let’s

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kevin_martini: let’s talk about the elephant in the
room and the elephant

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kevin_martini: is saying that if you’re listening you
have not purchased a home or things

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00:11:49,889 –> 00:11:53,013
kevin_martini: of that nature i just need to
let you know the mortgage is going to

340
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kevin_martini: cost you a little bit more today
it did last year

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kevin_martini: i’m also going to share with you
that you probably have a little bit more

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kevin_martini: selection of options of homes that are
available

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345
00:12:04,711 –> 00:12:04,852
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00:12:04,831 –> 00:12:05,053
347
00:12:04,892 –> 00:12:05,613
kevin_martini: your friends did

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349
00:12:06,514 –> 00:12:08,898
kevin_martini: and i think you got a little
bit more runway to get that

350
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351
00:12:10,221 –> 00:12:12,665
kevin_martini: to make a decision on that house
real quick so

352
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353
00:12:13,586 –> 00:12:17,272
kevin_martini: so the reality is is right now
as an opportunity now speaking

354
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355
00:12:17,352 –> 00:12:23,140
kevin_martini: of threats and opportunities what is a
what about a repeat home buyer that has

356
00:12:23,220 –> 00:12:25,363
kevin_martini: a house to sell is it a
opportunity

357
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358
00:12:25,883 –> 00:12:27,305
kevin_martini: what’s going on what’s your thoughts

359
00:12:27,240 –> 00:12:30,606
bailey_weaver: sure there they’ve got a lot of
opportunity there if you price it right that

360
00:12:30,686 –> 00:12:34,772
bailey_weaver: home is going to sell quickly pricing
it right staging it all of that is

361
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bailey_weaver: just so important the ones that are
priced correctly i repeated a lot but that

362
00:12:39,120 –> 00:12:42,966
bailey_weaver: is key so there’s a lot of
opportunity there they’ve got a lot of equity

363
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bailey_weaver: in their house a lot more than
they probably realize but the challenge is i’d

364
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bailey_weaver: say the a lot of these the
sellers are and the news and they hear

365
00:12:52,682 –> 00:12:56,288
bailey_weaver: the doom and gloom that they see
on the news you have and that’s on

366
00:12:56,328 –> 00:13:00,335
bailey_weaver: the national level that’s not on a
local level here in the triangle so my

367
00:13:00,375 –> 00:13:03,721
bailey_weaver: advice to them would be just go
talk to your real turns what’s going on

368
00:13:04,323 –> 00:13:06,208
bailey_weaver: on on the local the local level

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00:13:06,906 –> 00:13:10,532
kevin_martini: yeah so the one thing is this
that the headlines are scary and

370
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371
00:13:10,753 –> 00:13:14,399
kevin_martini: headlines help clicks and headlines help sell
ads and things of that

372
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373
00:13:14,459 –> 00:13:19,387
kevin_martini: nature but there’s there’s three words in
real estate local local local maybe it’s location

374
00:13:19,290 –> 00:13:19,552
375
00:13:19,427 –> 00:13:21,731
kevin_martini: location location but i’m going to change
it to local local

376
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bailey_weaver: it works

377
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378
00:13:22,435 –> 00:13:22,676
379
00:13:22,813 –> 00:13:28,963
kevin_martini: um and even within one market there
are hyper local markets that are there

380
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381
00:13:29,023 –> 00:13:35,210
kevin_martini: as well so what’s hap ning in
chicago is not happening in rolley what’s happening

382
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kevin_martini: in dallas

383
00:13:35,803 –> 00:13:36,330
384
00:13:36,851 –> 00:13:40,174
kevin_martini: might not be happening in care and
the reality

385
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386
00:13:40,855 –> 00:13:47,764
kevin_martini: is that we experienced during the trying
during the pandemic um unprecedented growth

387
00:13:48,420 –> 00:13:48,562
388
00:13:48,706 –> 00:13:54,215
kevin_martini: and the reality is is that as
we’re normalizing right now neutralizing

389
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390
00:13:54,355 –> 00:13:55,798
kevin_martini: balancing we’re

391
00:13:55,773 –> 00:13:56,340
392
00:13:55,918 –> 00:13:59,284
kevin_martini: balancing into a normal environment homes

393
00:13:59,230 –> 00:13:59,372
394
00:13:59,344 –> 00:14:02,394
kevin_martini: are still appreciation appreciating they’re just not

395
00:14:02,361 –> 00:14:02,768
396
00:14:02,454 –> 00:14:03,920
kevin_martini: appreciate it as fast as they have

397
00:14:04,300 –> 00:14:07,606
bailey_weaver: right i love the visual i have
to visually put it from my buyer or

398
00:14:07,666 –> 00:14:11,232
bailey_weaver: my sellers a lot of byersandsellers a
lot of the time that we were going

399
00:14:11,813 –> 00:14:15,960
bailey_weaver: uphill real fast and we still are
going uphill but maybe just not at this

400
00:14:16,000 –> 00:14:18,568
bailey_weaver: same rate of speed you know so
it’s a good we

401
00:14:18,546 –> 00:14:19,446
402
00:14:18,648 –> 00:14:21,357
bailey_weaver: were here now we might be here
but we’re still trending

403
00:14:21,097 –> 00:14:21,437
kevin_martini: we’re not

404
00:14:21,438 –> 00:14:21,518
405
00:14:21,497 –> 00:14:22,759
kevin_martini: going here folks so you

406
00:14:22,790 –> 00:14:22,892
407
00:14:22,819 –> 00:14:25,784
kevin_martini: know we’re going here not here it’s

408
00:14:25,852 –> 00:14:26,114
409
00:14:25,945 –> 00:14:28,569
kevin_martini: actually great so the fact of the
matter is

410
00:14:29,162 –> 00:14:29,670
411
00:14:29,390 –> 00:14:34,118
kevin_martini: appreciation has decelerated however according to the
home price expectation survey which

412
00:14:34,170 –> 00:14:34,190
413
00:14:34,178 –> 00:14:39,708
kevin_martini: is the top one hundred market movers
and over a hundred market movers and strategists

414
00:14:40,168 –> 00:14:47,942
kevin_martini: they’re predicting the five year cumulative appreciation
to be about d five percent so green

415
00:14:47,982 –> 00:14:51,748
kevin_martini: and growing at this point yes rates
are a little bit higher but remember what

416
00:14:51,808 –> 00:14:54,273
kevin_martini: a great time to marry the house
and date the rate

417
00:14:54,950 –> 00:14:55,555
418
00:14:56,348 –> 00:14:56,993
kevin_martini: somebody is

419
00:14:56,970 –> 00:14:56,990
420
00:14:57,134 –> 00:15:00,359
kevin_martini: renting right now what do they need
to know

421
00:15:01,280 –> 00:15:04,565
bailey_weaver: well i think there’s a time in
a place for rentals if you maybe you

422
00:15:04,585 –> 00:15:09,233
bailey_weaver: aren’t ready to purchase a house but
if you are gosh there’s so much to

423
00:15:09,273 –> 00:15:13,640
bailey_weaver: know first it’s never too early to
start talking about your options for i ain

424
00:15:13,921 –> 00:15:19,109
bailey_weaver: never too early another thing is you’re
putting you’re buying you’re helping the landlord pay

425
00:15:19,149 –> 00:15:22,535
bailey_weaver: their mortgage you are paying their mortgage
actual you’re paying it and you’re also putting

426
00:15:22,575 –> 00:15:26,446
bailey_weaver: cash in their pocket so flip that
get your own gedge and start putting catch

427
00:15:26,486 –> 00:15:28,516
bailey_weaver: in your own pocket so you can
reap those benefits

428
00:15:29,337 –> 00:15:29,518
429
00:15:29,760 –> 00:15:29,961
430
00:15:30,321 –> 00:15:33,413
kevin_martini: and let me also say this is
that you said it brilliantly

431
00:15:33,912 –> 00:15:33,952
432
00:15:34,376 –> 00:15:37,941
kevin_martini: when you rent you’re paying a mortgage
you’re just paying your landlord’s mortgage

433
00:15:38,321 –> 00:15:38,422
434
00:15:38,442 –> 00:15:38,563
435
00:15:38,462 –> 00:15:38,644
436
00:15:38,643 –> 00:15:38,903
kevin_martini: the way

437
00:15:38,785 –> 00:15:38,947
438
00:15:39,424 –> 00:15:42,669
kevin_martini: i talked to a client that i
once said hey kevin i don’t want to

439
00:15:42,749 –> 00:15:45,494
kevin_martini: buy because i’m going to have to
deal with the maintenance well let me just

440
00:15:45,514 –> 00:15:48,723
kevin_martini: tell you this then and it’s cost
is built into your rent

441
00:15:49,250 –> 00:15:49,595
442
00:15:49,345 –> 00:15:54,337
kevin_martini: um and i think a lot of
people will be surprised at what their options

443
00:15:54,417 –> 00:15:58,264
kevin_martini: are with low down payment what their
credit score needs to be because there’s

444
00:15:58,234 –> 00:15:58,800
445
00:15:58,344 –> 00:16:00,868
kevin_martini: a lot of miss about the mortgage
business but

446
00:16:00,841 –> 00:16:01,024
447
00:16:01,309 –> 00:16:06,497
kevin_martini: i think it’s also never too soon
to have that conversation with a real estate

448
00:16:06,597 –> 00:16:08,380
kevin_martini: agent and by the way bailey

449
00:16:08,526 –> 00:16:09,060
450
00:16:08,800 –> 00:16:13,428
kevin_martini: is very equipped to do that bailey
would you agree that doesn’t matter if you

451
00:16:13,508 –> 00:16:18,284
kevin_martini: just signed a lease yesterday having developing
a game plan not a substitute

452
00:16:18,780 –> 00:16:22,886
bailey_weaver: yes and i think the big point
with that would be if there’s something on

453
00:16:22,927 –> 00:16:26,613
bailey_weaver: your credit that maybe you aren’t aware
of or the credit score that you see

454
00:16:26,693 –> 00:16:30,720
bailey_weaver: on line isn’t the exact same one
is what you lenders pull so i think

455
00:16:30,820 –> 00:16:33,785
bailey_weaver: if there’s something wrong with it or
you need to maybe improve it a little

456
00:16:33,845 –> 00:16:37,551
bailey_weaver: more if you the sooner you talk
to somebody the more time you have to

457
00:16:37,591 –> 00:16:39,634
bailey_weaver: fix that and it won’t push your
time line

458
00:16:40,026 –> 00:16:40,836
459
00:16:40,315 –> 00:16:43,626
bailey_weaver: and then you have to do month
to month or something that which would just

460
00:16:44,089 –> 00:16:45,015
bailey_weaver: push it back even more

461
00:16:45,756 –> 00:16:46,878
kevin_martini: right and i know that you were

462
00:16:46,912 –> 00:16:47,400
463
00:16:46,919 –> 00:16:49,264
kevin_martini: working with a client that recently signed
a lease

464
00:16:50,130 –> 00:16:50,150
465
00:16:50,768 –> 00:16:55,822
kevin_martini: and the advantage to that client is
they were able to build a new house

466
00:16:55,862 –> 00:16:56,424
kevin_martini: is that corrected

467
00:16:56,860 –> 00:17:00,125
bailey_weaver: yes so you can i mean you
can time it right if you build a

468
00:17:00,186 –> 00:17:04,873
bailey_weaver: house so you do semi custom go
under contract do your deposit and then you

469
00:17:04,913 –> 00:17:07,638
bailey_weaver: don’t pay anything until you move in
and say six months or so so if

470
00:17:07,678 –> 00:17:12,350
bailey_weaver: you if you wait till you have
four so much left of your release you’re

471
00:17:12,370 –> 00:17:14,838
bailey_weaver: kind of excluding the opportunity of new
construction

472
00:17:15,656 –> 00:17:19,705
kevin_martini: that’s that’s that’s a smart point and
one of the things that bailey will do

473
00:17:19,785 –> 00:17:24,034
kevin_martini: when you speak to her bailey what’s
your telephone number somebody can contact you at

474
00:17:24,891 –> 00:17:27,265
bailey_weaver: nine one nine four five five three
eight one one

475
00:17:27,926 –> 00:17:31,493
kevin_martini: um okay and and for the people
the back that weren’t paying attention baily say

476
00:17:31,613 –> 00:17:32,234
kevin_martini: one more time

477
00:17:32,079 –> 00:17:35,355
bailey_weaver: m nine one nine four five five
three eight one one

478
00:17:35,937 –> 00:17:39,887
kevin_martini: let me give you some let me
give you a guarantee time you spent with

479
00:17:39,967 –> 00:17:44,935
kevin_martini: bailey whether you’re buying now or in
the future consider your options should you buy

480
00:17:45,116 –> 00:17:49,363
kevin_martini: continue renting listen there’s nothing wrong with
renting there is a time to rent that

481
00:17:49,351 –> 00:17:49,555
482
00:17:49,423 –> 00:17:50,905
kevin_martini: time ain’t now in my opinion real

483
00:17:50,810 –> 00:17:50,910
484
00:17:51,346 –> 00:17:51,546
kevin_martini: you know

485
00:17:51,532 –> 00:17:51,592
486
00:17:52,027 –> 00:17:55,413
kevin_martini: but bailey will give you an honest
answer and help you develop

487
00:17:55,106 –> 00:17:55,560
488
00:17:56,094 –> 00:17:58,939
kevin_martini: the game plan to get into your
home real quick

489
00:17:59,041 –> 00:17:59,283
490
00:17:59,379 –> 00:18:02,705
kevin_martini: now listen let’s kind of shift years
we were talking about renters let’s talk about

491
00:18:02,763 –> 00:18:02,783
492
00:18:02,765 –> 00:18:04,253
kevin_martini: someone that owns a home okay

493
00:18:04,551 –> 00:18:04,713
494
00:18:05,119 –> 00:18:09,209
kevin_martini: and they know that they’re going to
outgrow that home in the future

495
00:18:09,925 –> 00:18:10,500
496
00:18:09,930 –> 00:18:12,814
kevin_martini: or worse they’ve already outgrown their home
already

497
00:18:13,500 –> 00:18:13,703
498
00:18:14,146 –> 00:18:14,951
kevin_martini: what did they need to do

499
00:18:15,740 –> 00:18:19,506
bailey_weaver: he need to call their reiter and
they need to make a list of things

500
00:18:19,926 –> 00:18:20,616
501
00:18:20,067 –> 00:18:23,733
bailey_weaver: what’s missing in their house if they
can build something or if the ould have

502
00:18:23,753 –> 00:18:26,838
bailey_weaver: a perfect home what what is it
that they don’t have currently so they know

503
00:18:27,319 –> 00:18:30,324
bailey_weaver: when it’s when it’s time to sell
they can be laser focused on what they’re

504
00:18:30,344 –> 00:18:33,790
bailey_weaver: looking for and there’s a lot of
opportunities out there that they may not realize

505
00:18:33,830 –> 00:18:38,698
bailey_weaver: like seller possession after closing that’s a
great tool um so there’s their strategies for

506
00:18:38,718 –> 00:18:39,519
bailey_weaver: when you’re selling house

507
00:18:40,396 –> 00:18:42,778
kevin_martini: anyway so let’s let’s get laser focused
on that

508
00:18:42,960 –> 00:18:44,340
509
00:18:43,039 –> 00:18:44,640
kevin_martini: cellar possession after closing

510
00:18:44,643 –> 00:18:44,928
511
00:18:45,841 –> 00:18:49,104
kevin_martini: so i wanted to give you what
my understand how about you explain to me

512
00:18:49,164 –> 00:18:49,565
kevin_martini: what it is

513
00:18:50,210 –> 00:18:53,292
bailey_weaver: sure so if you’re selling a house
and you get an offer in on the

514
00:18:53,332 –> 00:18:56,776
bailey_weaver: house and they say they want to
close in thirty days you can ask for

515
00:18:56,836 –> 00:19:01,941
bailey_weaver: seller possession after closing meaning that they
close close on the house however you become

516
00:19:02,261 –> 00:19:06,408
bailey_weaver: a tenant of that property and in
this market sometimes we’re seeing it for free

517
00:19:06,549 –> 00:19:09,994
bailey_weaver: so you stay in your house after
you’ve already sold it and you’re just in

518
00:19:10,074 –> 00:19:14,784
bailey_weaver: there for like thirty to sixty days
so you and have the profits from your

519
00:19:14,844 –> 00:19:16,348
bailey_weaver: sale so you can go and purchase
your house

520
00:19:16,946 –> 00:19:20,834
kevin_martini: that makes you a cash buyer after
you have sold and there’s plenty of opportunities

521
00:19:20,894 –> 00:19:22,697
kevin_martini: right now again as bailey said

522
00:19:22,735 –> 00:19:23,310
523
00:19:22,777 –> 00:19:26,364
kevin_martini: earlier um well i don’t know if
she said it but i’m going to paraphrase

524
00:19:27,106 –> 00:19:29,770
kevin_martini: listen it was the wild wild west
when when the

525
00:19:29,763 –> 00:19:30,270
526
00:19:29,810 –> 00:19:32,855
kevin_martini: pandemic was around you would see a
house at nine o’clock

527
00:19:32,681 –> 00:19:32,885
528
00:19:32,975 –> 00:19:36,942
kevin_martini: and most likely it was already under
contract by the time you put the key

529
00:19:37,042 –> 00:19:38,264
kevin_martini: in the door for the lock box

530
00:19:38,811 –> 00:19:39,054
531
00:19:39,306 –> 00:19:42,712
kevin_martini: right now buyers have a little bit
more opportunity to actually

532
00:19:42,570 –> 00:19:43,500
533
00:19:43,252 –> 00:19:44,775
kevin_martini: level the field out a little bit
so

534
00:19:45,093 –> 00:19:45,660
535
00:19:45,196 –> 00:19:46,999
kevin_martini: it’s a great that is a great
point

536
00:19:47,516 –> 00:19:48,030
537
00:19:47,880 –> 00:19:50,765
kevin_martini: seller possession after closing that’s

538
00:19:50,610 –> 00:19:50,630
539
00:19:50,845 –> 00:19:51,025
540
00:19:51,541 –> 00:19:51,705
541
00:19:51,627 –> 00:19:54,881
kevin_martini: um what is them a question

542
00:19:55,640 –> 00:19:55,863
543
00:19:56,837 –> 00:19:57,942
kevin_martini: you wish someone

544
00:19:57,600 –> 00:19:57,822
545
00:19:58,143 –> 00:19:59,812
kevin_martini: would ask you about real estate

546
00:20:00,210 –> 00:20:04,143
bailey_weaver: yeah i get i wish that they
asked me this but they do ask me

547
00:20:04,224 –> 00:20:05,348
bailey_weaver: this a lot is you know

548
00:20:06,038 –> 00:20:06,098
549
00:20:06,170 –> 00:20:09,796
bailey_weaver: if if rates are going to drop
say next year why don’t i just wait

550
00:20:09,836 –> 00:20:11,078
bailey_weaver: till then to buy and i

551
00:20:11,106 –> 00:20:11,208
552
00:20:11,198 –> 00:20:16,527
bailey_weaver: love that question because there’s again opportunity
there’s so much opportunity out here that buyers

553
00:20:16,587 –> 00:20:21,455
bailey_weaver: don’t realize and it’s the new construction
it’s not having to go crazy over list

554
00:20:21,575 –> 00:20:26,504
bailey_weaver: price as soon as rates do drop
it’s going to be multiple offers and in

555
00:20:26,544 –> 00:20:30,872
bailey_weaver: that kind of thing which is going
to then increase that price so do it

556
00:20:30,932 –> 00:20:33,145
bailey_weaver: now while the opportunity s in your
in your court

557
00:20:34,016 –> 00:20:37,282
kevin_martini: right it goes back to my age
it’s a great time to marry the house

558
00:20:37,683 –> 00:20:38,144
kevin_martini: date the rat

559
00:20:38,680 –> 00:20:39,047
bailey_weaver: there you go

560
00:20:39,406 –> 00:20:41,690
kevin_martini: the top hundred experts re predicted homes
are

561
00:20:41,613 –> 00:20:42,180
562
00:20:41,730 –> 00:20:44,995
kevin_martini: going appreciate up to twenty five per
cent over the next five years cumulative

563
00:20:44,991 –> 00:20:45,174
564
00:20:45,055 –> 00:20:49,863
kevin_martini: appreciation now granted here’s the deal rates
today are higher than they were before guess

565
00:20:49,963 –> 00:20:53,109
kevin_martini: what you know what else is higher
rent just you know

566
00:20:53,110 –> 00:20:53,433
567
00:20:53,751 –> 00:20:57,859
kevin_martini: number two there might be an opportunity
that you can re finance that loan and

568
00:20:57,899 –> 00:20:59,502
kevin_martini: things of that nature so the thing

569
00:20:59,513 –> 00:21:00,060
570
00:20:59,542 –> 00:21:05,438
kevin_martini: of it is is that economics one
o one if rates do go down which

571
00:21:05,498 –> 00:21:07,882
kevin_martini: is very likely at the end of
twenty twenty three beginning of wig

572
00:21:07,861 –> 00:21:08,046
573
00:21:07,942 –> 00:21:09,204
kevin_martini: twenty four it’s

574
00:21:09,132 –> 00:21:09,660
575
00:21:09,344 –> 00:21:14,152
kevin_martini: probably going to be a rent and
repeat supply and demand that we experience during

576
00:21:14,192 –> 00:21:19,230
kevin_martini: the pandemic so go ahead and take
action on that listen again it’s never too

577
00:21:19,411 –> 00:21:23,243
kevin_martini: soon have a confidential conversation with no
pressure

578
00:21:23,955 –> 00:21:24,510
579
00:21:24,296 –> 00:21:28,041
kevin_martini: someone that has a servant heart and
that’s what bailey does bailey give me your

580
00:21:28,081 –> 00:21:30,325
kevin_martini: telephone number so they can give you
a call again one more time

581
00:21:30,980 –> 00:21:33,515
bailey_weaver: nine one nine four five five three
eight one one

582
00:21:33,876 –> 00:21:40,023
kevin_martini: fantastic so let me ask you one
thing that people are generally surprised to find

583
00:21:40,124 –> 00:21:40,664
kevin_martini: out about you

584
00:21:41,330 –> 00:21:44,355
bailey_weaver: okay we kind of touched on it
earlier but i’m born and raised here my

585
00:21:44,576 –> 00:21:48,383
bailey_weaver: dad is born and raised here and
then my grandparents on his side actually grew

586
00:21:48,443 –> 00:21:52,342
bailey_weaver: up in lillington so we’re all north
carolina we go way back way

587
00:21:52,366 –> 00:21:52,466
588
00:21:52,424 –> 00:21:52,668
589
00:21:52,626 –> 00:21:56,778
kevin_martini: re you are you are just it
i think one thing people need to know

590
00:21:56,878 –> 00:21:58,803
kevin_martini: is that you are purple

591
00:21:59,830 –> 00:22:00,573
592
00:22:00,646 –> 00:22:04,756
kevin_martini: that’s right you not n c state
just so you know

593
00:22:04,900 –> 00:22:05,161
594
00:22:04,957 –> 00:22:05,498
kevin_martini: and i’m sorry

595
00:22:05,302 –> 00:22:05,764
596
00:22:05,558 –> 00:22:06,641
kevin_martini: about your loss this year

597
00:22:07,071 –> 00:22:07,875
bailey_weaver: now it’s okay

598
00:22:08,826 –> 00:22:13,073
kevin_martini: can you share where people can find
out more about you i

599
00:22:13,110 –> 00:22:13,130
600
00:22:13,133 –> 00:22:15,557
kevin_martini: think your website let me just say
it’s baily

601
00:22:15,250 –> 00:22:15,414
602
00:22:15,818 –> 00:22:16,940
kevin_martini: weaver dot

603
00:22:17,035 –> 00:22:17,550
604
00:22:17,280 –> 00:22:20,425
kevin_martini: e x p reality dot com baily
weaver

605
00:22:20,559 –> 00:22:20,580
606
00:22:20,827 –> 00:22:23,355
kevin_martini: e x p real g dot com
you

607
00:22:23,223 –> 00:22:23,263
608
00:22:23,435 –> 00:22:27,038
kevin_martini: can cock to bailey personally dil

609
00:22:27,040 –> 00:22:27,362
610
00:22:27,159 –> 00:22:31,528
kevin_martini: nine one nine four five five thirty
eight eleven nine

611
00:22:31,550 –> 00:22:31,752
612
00:22:31,628 –> 00:22:31,989
kevin_martini: one nine

613
00:22:31,812 –> 00:22:32,014
614
00:22:32,069 –> 00:22:36,273
kevin_martini: four five five thirty eight eleven you’re
on the facebook you’re on the instagram you’re

615
00:22:36,353 –> 00:22:37,554
kevin_martini: on the tick tock i’m gonna tell

616
00:22:37,454 –> 00:22:37,700
617
00:22:37,614 –> 00:22:38,335
kevin_martini: everybody right now

618
00:22:39,159 –> 00:22:39,180
619
00:22:39,586 –> 00:22:43,152
kevin_martini: if you’re not following baily weaver on
the actual

620
00:22:43,569 –> 00:22:43,590
621
00:22:43,873 –> 00:22:45,455
kevin_martini: instagram you’re missing

622
00:22:45,142 –> 00:22:45,183
623
00:22:45,576 –> 00:22:46,738
kevin_martini: out on some very

624
00:22:46,985 –> 00:22:47,207
625
00:22:47,078 –> 00:22:47,839
626
00:22:47,308 –> 00:22:47,409
627
00:22:48,721 –> 00:22:52,487
kevin_martini: impactful reels she does real quick

628
00:22:52,911 –> 00:22:52,991
629
00:22:53,048 –> 00:22:53,309
630
00:22:53,072 –> 00:22:53,675
bailey_weaver: have fun there

631
00:22:54,911 –> 00:22:58,517
kevin_martini: i know how precious time is here
real quick and we’re getting as we wrap

632
00:22:58,577 –> 00:23:02,744
kevin_martini: this up is there one thing that
you want someone to know that might be

633
00:23:02,784 –> 00:23:06,352
kevin_martini: thinking about in selling or investing in
real estate that we

634
00:23:06,312 –> 00:23:06,960
635
00:23:06,412 –> 00:23:08,916
kevin_martini: haven’t covered today yeah

636
00:23:08,500 –> 00:23:11,202
bailey_weaver: reach out and we’re going to have
fun doing it you’re not going to regret

637
00:23:11,302 –> 00:23:14,265
bailey_weaver: it you know there’s a time in
a place for everything and it’s our goal

638
00:23:14,745 –> 00:23:18,589
bailey_weaver: both me and you to help them
reach their goal so we got you we

639
00:23:18,669 –> 00:23:19,109
bailey_weaver: got your back

640
00:23:20,246 –> 00:23:25,816
kevin_martini: listen my name is kevin martini this
is bailey weaver an amazing person i encourage

641
00:23:25,856 –> 00:23:30,403
kevin_martini: you to reach out to her and
say hey bailey help and she will go

642
00:23:30,443 –> 00:23:33,311
kevin_martini: ahead and do that with no pressure
again bailey weaver

643
00:23:33,053 –> 00:23:33,600
644
00:23:33,451 –> 00:23:38,291
kevin_martini: i’m kevin martini this was episode one
sixty of the martini mortgage podcast thanks for

645
00:23:38,372 –> 00:23:38,817
kevin_martini: tuning in

646
00:23:39,830 –> 00:23:40,938
bailey_weaver: thank you for having me

647
00:23:41,616 –> 00:23:42,441
kevin_martini: miflasyour bye

Filed Under: Bailey Weaver Packard, Housing Market, Kevin Martini, Martini Mortgage Podcast, Mortgage Podcast, Raleigh, Real Estate, Real Estate Podcast, Wake County Tagged With: Bailey Weaver, Bailey Weaver Packard, Buying a Home in North Carolina, Buying a Home in Raleigh, eXp Realty, eXpRealtor, Kevin Martini, Martini Mortgage Group, Martini Mortgage Podcast, North Carolina, Raleigh, Raleigh Mortgage Broker, Raleigh Mortgage Lender, Real Estate

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