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Buying a Home in Raleigh with Confidence

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

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

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

KNOW WHEN AND WHERE TO BUY

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

UNDERSTAND YOUR BUYING POWER

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

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

BE READY TO MAKE YOUR MOVE

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

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

TO START, JUST ENTER THE CITY YOU WANT TO LIVE

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

How Buyers and Sellers benefit from buydowns in Raleigh

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A unique way that more sellers can meet more homebuyers and more homebuyers can become homeowners is with Seller-Paid Buydowns.

Kevin Martini, Certified Mortgage Advisor with Martini Mortgage Group

WHAT IS A ‘SELLER-PAID BUYDOWN’?

A ‘Seller-Paid Buydown’ is where where the seller pays a fee at the closing to reduce the interest rate on the buyer’s mortgage temporarily. This results in temporarily lowering the buyer’s monthly payment and making the home more affordable for a homebuyer today.

WHAT TYPE OF ‘SELLER-PAID BUYDOWN’ ARE AVAILABLE TODAY WITH THE MARTINI MORTGAGE GROUP?

There are three ‘Seller-Paid Buydown’ strategies offered by the Martini Mortgage Group:

1-0 Buydown…seller pays a fee at closing (the fee must be within the Interested Parties Contribution based on the loan the homebuyer is securing) to reduce the interest rate on the homebuyer’s mortgage by 1% in year 1.

2-1 Buydown…seller pays a fee at closing (the fee must be within the Interested Parties Contribution based on the loan the homebuyer is securing) reduce the interest rate on the buyer’s mortgage by 2% in year 1 and 1% in year 2.

3-2-1 Buydown…seller pays a fee at closing (the fee must be within the Interested Parties Contribution based on the loan the homebuyer is securing) reduce the interest rate on the buyer’s mortgage by 3% in year 1, 2% in year 2 and 1% in year 3.

BENEFIT OF BUYDOWN FOR A HOMEBUYER?

A buydown reduces the buyer’s interest rate and monthly payment during the first few year(s) of homeownership, making the home more affordable for homebuyers. It has a much greater impact on the homebuyer’s monthly payment than reducing the list price of the home.

BENEFIT OF BUYDOWN FOR A HOME SELLER?

A buydown could be a great negotiating tool because a greater percentage of homes listed for sale in today’s market are seeing price reductions. Not only does a buydown makes a home more affordable to a wider range of buyers who may have otherwise been priced out of the market, it also tends to cost less than a price reduction.

A seller offering to pay for a buydown could give provide a competitive advantage vs. other homes listed for sale in today’s changing market. This is because interest rates have gone up significantly this year, creating an affordability crisis for many potential buyers. As an added benefit, a buydown could also save a seller the aggravation and financial loss of having to significantly reduce your list price in order to compete with other homes that may be listed for a lower price.

In today’s market both seller and buyers need to evaluate the best approach. The best approach for a homebuyer may be with a buydown versus a price reduction and for a seller, the best approach may be to offer a buydown instead of a price reduction.

Logan Martini, Senior Mortgage Strategist with Martini Mortgage Group

The following examples of Seller-Paid 1-1 Buydown, Seller-Paid 2-1 Buydown, 3-2-1 Seller-Paid Buydown are for illustration ONLY…assuming a sales price of $400,000 with a Borrower putting 20% down and securing a 30-year fixed mortgage with a rate of 7%. Comparing the sales price to a $25,000 price reduction to a Seller-Paid Buydown.

1-0 Buydown a.k.a. ‘Seller-Paid 1-0 Buydown’

1 1 buydown by raleigh mortgage lender kevin martini with martini mortgage group 507 n blount st raeligh nc 27604 1
seller paid 2 1 buydown a.k.a. 2 1 buydown

2-1 Buydown a.k.a. ‘Seller-Paid 2-1 Buydown’

2 1 buydown by raleigh mortgage lender kevin martini with martini mortgage group 507 n blount st raeligh nc 27604
seller paid 3 2 1 buydown a.k.a. 3 2 1 buydown

3-2-1 Buydown a.k.a. ‘Seller-Paid 3-2-1 Buydown’

3 2 1 buydown by raleigh mortgage lender kevin martini with martini mortgage group 507 n blount st raeligh nc 27604
real estate podcast on seller paid buydowns by raleigh mortgage lender kevin martini
Is a Seller-Paid Buydown the proper strategy for you?

I don’t know however I do know that there is never a substitute for researching your options with a Martini at the Martini Mortgage Group. For a FREE and confidential conversation, simply dial (919) 238-4934.

logan martini raleigh mortgage lender with martini mortgage group 2

Logan Martini

NMLS 1591485 | Senior Mortgage Strategist 

Martini Mortgage Group at Gold Star Mortgage Financial Group, Corporation | NMLS # 3446 | 507 N Blount St, Raleigh, NC 27604

[email protected]

Kevin Martini

NMLS 143962 | Certified Mortgage Advisor

Martini Mortgage Group at Gold Star Mortgage Financial Group, Corporation | NMLS # 3446 | 507 N Blount St, Raleigh, NC 27604

[email protected]

kevin martini best raleigh mortgage broker

Things to Consider when Buying a Home (Martini Buyer Guide | Fall 2022)

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

things to consider when buying a home raleigh mortgage compny martini mortgage group
Fall 2022 Edition of Martini Buyer Guide

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

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

Logan Martini, Senior Mortgage Strategist & Raleigh Mortgage Broker

Contents of Martini Buyer Guide (Things to Consider when Buying a Home)

raleigh mortgage broker things to consider when buying a home martini buyer guide fall 2022 copy
A dozen powerful articles that simply and effectively communicate the current opportunity.
Martini Buyer Guide

Should I Buy a Home This Fall?

If you’re wondering if it’s the right time to buy a home, you should know you have an opportunity to grow your wealth, stabilize your expenses, and benefit from more options for your home search this fall. 

Expert Insights for Today’s Homebuyers

If you want to buy a home today, here are a few things experts say you should know about what to expect and why homeownership is so important.

More Options for Your Home Search

There’s no denying the housing market has delivered a fair share of challenges to homebuyers over the past two years. Two of the biggest hurdles were the limited number of homes for sale and the intensity and frequency of bidding wars. But those two things have reached a turning point.

Housing Market Forecast

The housing market is at a turning point, and if you’re thinking of buying a home, that may leave you wondering: is it the right time to make a move? Let’s turn to the experts for what the future is projected to hold.

Americans Choose Real Estate as the Best Investment

You’re not just buying a place to call home, you’re investing in your future.

The Benefit of Buying a Home Now

You may be asking yourself: should I buy right now, or should I wait? While no one can answer that question for you, here’s some information that could help you make your decision.

The One Thing You Need To Know About a Recession

The one thing you need to know as you watch the news and read the headlines today is that a recession does not mean falling home prices. 

Why the Housing Market Won’t Crash

With all the buzz in the media, you may start to worry the housing market is in a bubble. While it’s only natural for concerns to creep in that there could be a repeat of what took place in 2008, the good news is there’s concrete data to show why this is nothing like the last time.

What You Need To Know About Down Payment Assistance Programs

When it comes to buying a home, it can feel a bit intimidating to know how much you need to save. Here’s some information you’ll want to know about programs that could help you reach your down payment goals.

Things To Avoid After Applying for a Mortgage

Consistency is the name of the game after applying for a mortgage.

Tips for Making Your Best Offer

While the housing market is going through a shift, it’s still competitive for buyers because the overall inventory of homes for sale is low. Enjoy having more options as supply continues to grow this year, but keep these tips in mind to help you put in a strong offer once you find the one.

Top Reasons To Own Your Home

Homeownership has tangible and non-tangible benefits.

Getting a home loan and buying a home is a process…NOT an event.

kevin martini on instagram

There is no question that getting a mortgage and buying a home in Raleigh, anywhere in North Carolina or in the U.S. for that matter, is a process…it is not an event.  Since there is never a substitute for education, the home buying process needs to start with education of options available for your home loan regardless of the experience level of the homebuyer. The Martini Buyer Guide was created to provided factual information based on reliable sources and provides relevant information that go beyond the headlines.  Kevin Martini and Logan Martini understand that purchasing a home is more than just one single event. It is a process. They want to work with you during the process, to help you understand the process and help it go as smoothly as possible. Let them help you develop a plan that leads directly to homeownership and financial success, beginning with getting Approved for your Raleigh or Triangle Area or North Carolina mortgage today!

Certainty with a Frictionless Process

It has always mattered who does your mortgage however this sentiment is most important now as we live in a post-Covid world.  Communicating to a seller that you are just ready and willing to buy is not enough!  You need to communicate that you are able and this means you are able to make a ‘Same-As-Cash’ offer from a local lender that constantly provides on-time real estate closing that are frictionless. and provide certainty to all involved. An approval letter from a Mortgage Strategist with the Martini Mortgage Group at Gold Star Mortgage Financial Group, Corporation provides certainty that the transaction will happen and it will happen on-time without stress.  

Kevin Martini

NMLS 143962 | Certified Mortgage Advisor | Martini Mortgage Group at Gold Star Mortgage Financial Group, Corporation | NMLS # 3446 | 507 N Blount St, Raleigh, NC 27604 | (919) 238-4934 | [email protected]

Logan Martini

NMLS 1591485 | Senior Mortgage Strategist | Martini Mortgage Group at Gold Star Mortgage Financial Group, Corporation | NMLS # 3446 | 507 N Blount St, Raleigh, NC 27604 | (919) 238-4934 | [email protected]