Frequently Asked Questions

Homebuyers and homeowners usually have many questions when they come to us for help with their home loans.

Below are answers to some of the questions we are asked most often. Don’t see the answer you are looking for here? Please call (919) 238-4934 to schedule a consult.


Q: What are your mortgage rates?

There is no blanket answer to this question, since mortgage rates change over time. Not only that, but your qualifications will affect the rates you receive.

If you contact us for a consultation, we will have a chance to provide you with some estimates based on your information. As one of the leading Raleigh, NC mortgage lenders, feel free to get in contact with us if you have any questions.

Q: What is the maximum amount I can borrow?

Certain types of mortgages have a universal cap, while others depend on the qualifications of individual borrowers. In either case, what type of loan you apply for and your borrower profile will determine the maximum amount.

Q: Is my credit score high enough for me to buy a home?

That depends on the type of mortgage you are applying for. We also will assess your income, debt-to-income ratio, and employment status when making lending decisions.

Many borrowers are surprised to learn that there are mortgage products aimed specifically at customers without perfect credit.

Some examples include USDA loans, VA loans, and FHA loans. During your consultation, we can discuss these and other options with you.

Something else to consider is your down payment. By making a larger down payment, you can compensate for some issues in your credit score.

Plus, you may be able to raise your credit score before submitting your application. We will advise you as to how you can go about that process during your consultation.

Q: Can I buy a home without a 20% down payment?

Yes, it is possible to move into a home without making a 20% down payment. Low down payments are available for conventional loans, FHA loans, VA loans, and USDA loans. Actually, with a VA or USDA mortgage, you can buy a house with zero down.

You do not need a perfect credit score to qualify for a low down payment or no down payment.

Q: What is a fiduciary?

A fiduciary is an entity that puts the interests of the clients it serves ahead of its own. This is how The Martini Mortgage Group operates, and is one of the things that most sets us apart from other mortgage companies.

At other companies, loan officers are compensated based on 100% commission. To ensure no conflict of interest, we pay our experienced strategists on salary.

We take as much time as necessary with you to understand your current situation and your vision for you future. Then we connect you with the products that can help make it happen.

Q: Do you work with borrowers where I live?

We are an Equal Housing Lender based in Raleigh and working with borrowers throughout North Carolina. We can also connect you with a mortgage in Florida, South Carolina, Georgia, Illinois, Tennessee and Virginia.

Get Answers to All Your Mortgage Questions

If you have more questions about buying a home or refinancing, you can contact us at (919) 238-4934 to schedule a consult. We look forward to helping you apply for the ideal home loan.

See What Our Clients Are Saying About Us

Bruce Parmly
Bruce Parmly
15:12 21 Sep 23
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!
Lemon Head
Lemon Head
14:13 15 Sep 23
Referred by the April Stephens Team , Kevin and Keith are fantastic to deal with and I highly recommend !
Evan Singlar
Evan Singlar
20:52 14 Sep 23
Kevin and the Martini Mortgage Group were wonderful to work with! Kevin helped walk us through every step of the loan process. His team was extremely timely and helpful with all matters. Huge thanks also goes to the Loan Manager Keith Ingram. He was a pleasure to work with in helping us get through the closing process. All in all I can’t speak highly enough about my experience with the Martini Mortgage Group when purchasing our new home. I would highly recommend Kevin and his team to future home buyers.
Matt Keller
Matt Keller
23:29 25 Aug 23
Kevin, Keith and the entire team are first class. They take the time to explain every option and make the entire process as seamless and comfortable as possible. Have used them for two home purchases and will for every other one moving forward.
Jackie Keller
Jackie Keller
23:25 25 Aug 23
The best in the business - Reliable, informative, consistent, and kind. Kevin and team are amazing to work with!
Heather Taylor
Heather Taylor
17:20 22 Aug 23
I’ve known Kevin for over a decade and just recently used him as my lender for the first time. Kevin is extremely knowledgable about all things mortgages! He helped me figure out the best loan scenario for my situation, was an excellent communicator and delivered funds to closing before I left the closing table. If you’re looking for a professional with a big energetic personality who will get the job done (well) and keep you laughing along the way, Kevin is your guy!
Tony Morel
Tony Morel
01:33 16 Aug 23
Claus Jensen
Claus Jensen
22:36 31 Jul 23
I used the Martini Mortgage Group for setting up my mortgage and guiding me through the whole process of getting the loan in place for my new house. The experience has been absolutely wonderful and smooth.Kevin and his team were (and still are) extremely professional, helpful, knowledgeable, and always available to answer questions. I am in a much better place now, thanks in large part to the Martini Mortgage Group.
Robert Holliday
Robert Holliday
20:50 06 Jul 23
yvette macias
yvette macias
21:02 21 Jun 23
Working with the Martini group has been a wonderful experience. The communication you receive from them is up front, clear and quick. They are very easy to talk to and overall they care about assisting you and making you feel comfortable. I highly recommend.
Denise Collins
Denise Collins
18:33 21 Jun 23
Everyone from Kevin, Keith& Logan are outstanding. They were always available to answer any questions or concerns that I had. They walked me through each and every step of home buying process, they made it seem seamless. Gold Star makes you feel like your family and not just another buyer. If you’re in the market to buy a home, this is the company to go to.
Lydia Mbango
Lydia Mbango
18:09 21 Jun 23
Carolyn M
Carolyn M
15:29 07 Jun 23
Kara Bennett
Kara Bennett
15:56 05 Jun 23
Kevin Martini has been extremely helpful with any questions we have regarding our home and insurance/loan. We are first time home buyers and working with them has been a breeze! Logan Martini was also an exceptional partner to have going through the loan application and approval process.
Brendan Derr
Brendan Derr
19:34 01 Jun 23
Maggie Strickland
Maggie Strickland
11:03 18 May 23
The Martini Mortgage Group is hands down the best group to work with when you are thinking of buying a home. Logan, Keith, and Kevin were so great to work with! As first time homebuyers, we knew very little about the process but their team was always quick to respond to all 100+ questions we had and help us through the transaction. We are so thankful we chose to work with the Martini Group and will continue to use them in the future as well! They are all very knowledgeable in this industry and always willing to hop on a phone call to talk through any questions we had. We are lucky to have worked with them and so thankful to have such an amazing team to help us buy our first home!
Michael Druga
Michael Druga
18:58 17 May 23
Super easy to work with and a nice automated process. Our actual closing took less than 30 minutes after all the work was done ahead of time digitally. Very seamless.
Ellen Frost
Ellen Frost
17:19 17 May 23
Kevin was extremely helpful every step of the way during our home buying process. He made sure we understood all the information coming to us, and found us the best options on how to finance our home. He was attentive and his staff was always friendly and available. I could not recommend them more!
Elise Krankoski
Elise Krankoski
20:17 12 May 23
Logan & team were extremely helpful while purchasing our first home. He was always quick to respond to our 1 million questions & got us the best deal he could in these crazy times. I would 100% use him again for our next home!
Peter Roley
Peter Roley
22:25 05 May 23
Candace Depp
Candace Depp
18:31 30 Apr 23
Followed a recommendation from our realtor and she did not steer us wrong! Kevin and team made the lending process easy and stayed in great communication throughout. We definitely plan to utilize their services again for future purchases.
Logan Martini is the epitome of a superb mortgage professional. Knowledgeable, flexible, totally accessible 24/7, a creative problem solver. Also just a top notch human being: ethical, hardworking, empathetic, kind, charming, efficient, understanding, caring. I have bought many homes but never had such a smooth, seamless, & pleasant experience. Everyone at Martini Mortgage was exceptional to deal with. Logan Martini is my mortgage professional for life. I was treated like family. He is at the top of his game. Proud to know him and recommend him to anyone in the Triangle.
Betty Nguyen
Betty Nguyen
23:41 17 Apr 23
HIGHLY RECOMMEND Kevin and his team! Super communicative, reliable, and professional from start to finish. No hiccups whatsoever, such a smooth process! Will use them again for our second home in North Carolina. Wish everything in my life was this easy, too.
OWAIS PATEL
OWAIS PATEL
11:40 13 Apr 23
I have known Kevin for over 17 yrs and have recommended his service to several friends!! He has always been my go to ‘mortgage guy’. His enthusiasm and personality.. oh and service are exceptionally top notch!!
Kathie Martin
Kathie Martin
23:54 12 Apr 23
Kevin and his team were great to deal with. They made the process of buying a home for the first time easy and smooth. Thank you!
Haley Bidgood
Haley Bidgood
16:02 31 Mar 23
Using Martini Mortgage group was an incredible experience for me during the process of buying my first home. They worked hard for me and took away the stress of buying a home. Their knowledge of the market was clear from the beginning as well as their attention to detail. I was always informed on what was going on, they were quick to respond to anything I needed and answering questions in detail so there was no confusion. I also appreciate the resources that Martini Mortgage Group made available to me even after closing on my home so that I may stay knowledgeable of the market and the value of my home. I highly recommend working with these wonderful and hardworking people!
Diana Jassmann
Diana Jassmann
17:48 24 Mar 23
I highly recommend the Martini Mortgage group! They are extremely knowledgeable and willing to answer every question I had about buying my first house! I called them several times throughout the process with questions and they were always very quick to answer and willing to help. Kevin, Logan, Katie, and Keith all treat you like family throughout the entire process. I recommend talking to them even if you are just starting to consider buying a house! They will walk you though everything!
Pete Maierhofer
Pete Maierhofer
16:33 22 Mar 23
The Martini mortgage group was fantastic throughout our entire home buying process. Their knowledge of the industry helped answer all of the questions we had going into the process and as a first time home buyers allowed us to feel comfortable during each stage of the home buying experience. Katie and Logan were available at all times to take care of anything we needed. We were blessed to be able to work with their great team!My wife and I highly recommend the Martini mortgage group.
Mallory Fredericks
Mallory Fredericks
21:46 06 Mar 23
This was our second time working with Logan and he continues to be the best of the best. We truly do not have one bad thing to say about our experience and only wish more people would work with Logan and his team! He treats you like family and makes the process effortless. If I could give 10 gold stars I would!!
Bobby Gaskins
Bobby Gaskins
16:19 01 Feb 23
Martini Mortgage did a great job for us. We are very satisfied.
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