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

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.