Loan Options in Raleigh

Buying a home is one of the most important investments you can make. Maximizing the return on that investment starts with applying for a mortgage that fits your needs.

The Martini Mortgage Group does things differently than other lenders. We work with you in a fiduciary capacity, which means that we put your interests ahead of our own.

That way, you can be assured that we are suggesting loan products that will help you to plan for your financial future successfully.



Types of Mortgages in North Carolina


Conventional

A conventional conforming mortgage can feature fixed or adjustable interest rates, and fits within the Fannie Mae and Freddie Mac conforming loan limits.

FHA

FHA mortgages are backed by the Federal Housing Administration. They help first time and repeat homebuyers qualify for affordable interest rates without perfect credit.

VA

VA mortgages backed by the US Department of Veterans Affairs help veterans, active duty service members and eligible surviving spouses to move into North Carolina homes with zero down.

Jumbo

You can use a jumbo mortgage to buy a home if you want to borrow more than the Fannie Mae and Freddie Mac conforming loan limits. This type of loan is also known as a non-conforming loan.

Cash Out Refinance

If you want to increase your cash flow, you can apply for a cash-out refinance. Sometimes, you can even reduce your mortgage rate in the process.

Physician Loans

You can purchase a home with zero down and no PMI if you are a physician through our Doctor Home Loan program.

First Time Home Buyers

Our friendly loan experts make it easy to purchase your first home by explaining the loan process to you step by step and helping you explore all of your mortgage options.

Bank Statement Loans

To purchase a home without a W-2, you can apply for a bank statement loan, ideal for business owners and self-employed borrowers.

USDA

Buy a rural home in North Carolina using a USDA mortgage insured by the US Department of Agriculture.

DSCR Loans

A special home loan solution designed for someone that wants to invest in real estate in Raleigh or anywhere in North Carolina, Florida, Georgia, Illinois, Missouri, South Carolina, Tennessee and Virginia.


We know that you may not be familiar with all these different types of home loans or how they could impact your finances. During your consultation, we will go over them with you in-depth, making personalized recommendations. Let us show you why we are one of the most recommended Raleigh, NC mortgage lenders.

Buy a Home in Raleigh or Beyond

Ready to find out which of these types of loans is right for you? Please give the Martini Mortgage Group a call at (919) 238-4934 to schedule your consultation. We are based in Raleigh and help rural homebuyers throughout North Carolina as well as the states of Florida, Georgia, Illinois, Tennessee and Virginia.

See What Our Clients Are Saying About Us

Casie Gray
Casie Gray
00:34 03 May 22
Kevin and his team (Logan and Keith) helped us every step of the way and it was like having your uncle and cousins help you. They were very personable and would call and answer any question we had. We just moved here from Georgia and we're thankful to have such warm, professional friends help us through the stressful process of buying a house. 10/10 ❤️
John Sisler
John Sisler
13:21 18 Mar 22
Kevin handled our work professionally and promptly.After explaining some options, that I was unaware of beforehand, Kevin helped us to get a far better deal than I could have on my own steam.Absolutely recommend!
Chris Brady
Chris Brady
17:20 17 Mar 22
You could not find a more efficient, competent, and (surprising to say) fun place to help you with your financial arrangements. These are top-notch professionals and I would recommend them to anyone.
Kendra Davidson
Kendra Davidson
01:46 08 Mar 22
Kevin is the absolute best. Not only at what he does, but also at providing critical advice and top referrals. Working with him on our mortgage was a wonderfully learning process and also fun. Would not hesitate to work with him again!
eric leder
eric leder
20:07 07 Oct 21
Kevin is a awesome, I truly appreciated his professionalism and candor throughout the entire process. It was always wonderful to talk to him on the phone and his guidance was extremely helpful and on point. As a first time home buyer, Kevin made the whole process seamless and easy to understand, which allowed me to be confident in my decisions.Thanks Kevin!
Don Rose
Don Rose
11:01 05 Oct 21
Everyone was knowledgeable, patient and kind. Very easy to work with.
Peter Clayton-Luce
Peter Clayton-Luce
16:31 03 Aug 21
110% Recommend the Martini Group. They did an excellent job ensuring our loan was good to go for closing time. They were very knowledgable and helpful with all my questions. Will definitely be back for my next one! :)
yolanda davis
yolanda davis
03:55 08 Jun 21
Kevin and his team were fantastic. Even though we had to have an extension, him and his team pull through for our family and got our mortgage approved and processed in an exceptional timely manner. We greatly appreciate their hard work and we will be using them for all future needs.
Bruce Parmly
Bruce Parmly
17:27 30 Mar 21
As our culture becomes increasingly more self-focused it is so refreshing to find an organization that truly understands the word Caring, and you are it!
Lee Rogers
Lee Rogers
13:51 02 Mar 21
Very impressed with this group. Great communication and guidance throughout made for a smooth process and very satisfied with rate and costs. Highly recommended.