Our Mortgage Process
The Martini Mortgage Group makes the loan process quick and easy so you can focus on your home search, close rapidly, and receive the keys to your new home.
1
Begin with your consultation.
You can get started with the loan process by calling (919) 238-4934 to schedule your consultation.
We will ask you questions during the consultation to understand your needs and goals. We will also patiently answer your questions about the mortgage process and the different types of lending products.
2
Choose what type of mortgage to apply for.
Next, you will need to decide what type of home loan you want to apply for. The Martini Mortgage Group can recommend loan options based on your current financial profile and what you want to achieve in the future.
3
Receive pre-approval.
We pre-approve you for a loan next. Once we do, you will know how much home you can afford, and you can approach sellers with enhanced bargaining power.
4
Submit your application.
Fill out and submit your loan application, providing supporting documentation to help us verify your income and employment.
If you are self-employed and do not have a W-2, you can use our bank statement loan process instead of the traditional loan application process.
5
We handle appraisal and underwriting.
During the next step in the process, you can concentrate on your search for a home while we do the appraisal and underwriting. If we need you to provide more documentation, we will notify you.
6
We issue conditional approval.
One of the most exciting steps in the process is this one, when you receive a loan commitment with conditional approval. The best part is you are so close to final approval!
7
Pending documents are submitted.
If you have not yet met all conditions for final loan approval, we will need you to do so at this stage. We also might ask for more documents.
8
Receive final approval.
After the final underwriting review takes place, the underwriter can give you final approval.
9
Closing time is here.
The moment has arrived—you are ready to close and get the keys to your new home!
Apply for a Mortgage in Raleigh or Beyond Now
Have questions about our mortgage process, or ready to apply for a home loan? Please give the Martini Mortgage Group a call at (919) 238-4934 to schedule your consultation. We are based in Raleigh and help homebuyers throughout North Carolina as well as the states of South Carolina, Florida, Georgia, Illinois, Tennessee and Virginia.
See What Our Clients Are Saying About Us
Caroline Jett
00:47 18 Sep 24
As a first time home buyer I was overwhelmed about the mortgage process. I called a few people and found the customer service and care to be lacking. Dismissive even. Then I talked to Kevin who was personable beyond belief, incredibly knowledgeable, and took time to get to know us/our situation. He went above and beyond to make sure we understood all the details going into the mortgage process and answered questions throughout. Knowledge is power so I am thankful for the education Kevin shared with us. He worked seamlessly with our realtor and together they made the experience as painless at possible. Keith is also very good at what he does. We look forward to working with them again in the future. The best!
Amanda Brandon
02:07 05 Sep 24
Kevin and his team were amazing to work with and delivered our approvals BEFORE the requested date. They kept us up to date during the entire process and website is VERY user friendly for uploading documents!
Jeff Sky
17:07 28 Aug 24
Working with Kevin has been a truly excellent experience. Martini Mortgage has gone above and beyond making sure we have all the information, the best rates available, and straightforward honest conversation because of those years of experience. He worked seamlessly with our Realtor and we were continually updated on anything necessary. Any issues that came up were easily managed and swiftly handled. Keith in underwriting was so professional and clearly had the knowledge to get it done. Thank you all for helping us buy a home to make those lasting family memories! We would recommend you to anyone!!!!
Vicki Floyt
17:26 17 Aug 24
I contacted Kevin and Logan about a refinance and it was done quick and efficiently with no snags. I will definitely be recommending Martini Mortgage Group to all my friends and clients from here on out! Thank you for a seamless experience! 👍🏻
Jordan Fong
14:34 14 Aug 24
they were very helpful in my first mortgage experience. i had no idea what i was doing and they helped me understand my monthly mortgage and how it can change over the years and made me feel much more confident about my purchase! would highly recommend them!!
jordan harmon
09:34 06 Aug 24
Absolutely amazing people to work with through and through. Not my first time working with them and definitely not my last. I appreciate everything!
Jim Heaton
19:16 05 Aug 24
Logan and Keith were very responsive and helped us every step of the way.
Chris Siler
13:45 05 Aug 24
Jiyun Im
10:40 05 Aug 24
Gus Purcell
16:24 02 Aug 24
Amazing to work with and made the home buying process feel easy. Would recommend them to anyone buying a home.
Ryan Prestel
12:37 02 Aug 24
The team at Martini Mortgage Group are top notch. We were able to close on our loan in 10 days and the hard work of Logan and Keith made us feel confident in the speed at which we moved. Will definitely use them again.
Tomas Jerez
11:41 02 Aug 24
Rich Koeblin
09:51 02 Aug 24
Fantastic experience from start to finish . Quick pre-approval, rapid and helpful responses to all questions. No complaints and would highly recommend!
Chel Barker
23:01 01 Aug 24
Great to work with , incredible service
Jerod Miller
19:10 01 Aug 24
Thanks!😊 Great job and great customer service.
Connie Williford
19:01 01 Aug 24
Charles Lanier
18:55 01 Aug 24
We had a very good experience with Keith Ingram of Martini Mortgage.Everything was stated clearly, and was timely right through our closing 👍
Jatasha “The Mommy Juggler” Harris
17:23 26 Jul 24
Our experience with this firm was absolutely awesome! Logan and his team was top notch and walked with us the entire way. I would recommend anyone to work with them. Thank you.
Jen Porres
17:54 13 May 24
Working with Logan was an absolute pleasure. From start to finish, he provided incredible service, making the daunting process of buying our first home remarkably easy. Logan was exceptionally helpful, guiding us through every step with patience and expertise. His seamless communication and attention to detail ensured that we were well-informed and confident throughout the entire process. Logan truly went above and beyond, and we couldn't be happier with the outcome. Highly recommended for anyone seeking a stress-free home buying experience!
Randy Fidler
17:14 05 Apr 24
Just a great staff to work with. Very helpful during the entire process and offered great insights I hadn't considered before. Will definitely recommend them to others.
Richard Van Gorp
18:10 02 Apr 24
Kevin and his staff walked me through the loan process. They helped my wife and I get the best interest rate available. They made the home buying a breeze.Thanks again, Richard and Rita Van Gorp
Catherine Grabbert
22:38 13 Mar 24
Absolutely awesome! The team went above and beyond every step of the way and was always helpful and looking out for me. Could not recommend enough!
Grayson Gregory
22:17 04 Mar 24
I recently had the pleasure of working with Logan Martini during the process of closing on my first home. I cannot express enough how grateful I am for his outstanding service and unwavering support throughout the entire experience.Logan's commitment to customer satisfaction was evident in his willingness to address any concerns or issues that arose. He was always proactive in finding solutions and ensuring that my needs were met. His genuine care for his clients is truly commendable.I would highly recommend Logan Martini to anyone in need of a reliable and trustworthy mortgage lender. His professionalism, expertise, and exceptional service make him a standout in the industry. I am grateful for his help in making my dream of owning a home a reality, and I am confident that he can do the same for others.
Pat W
14:41 02 Mar 24
I cannot begin to tell you how AWESOME this team and family was to me in my very stressful and rushed ordeal of buying my new home. I had a difficult situation in which time was not on my side. Logan and Keith were instrumental in that I was explained everything in layman's terms, that I could understand all my options and the best direction to ensure I was getting the optimal deal. This team puts the customer first every step and inch of the way. 100%. Communication was 5 out of 5. It could not have been better! I would and will recommend this family-owned team to ANY of my family or friends in the future and if you are smart, you will want this team on your side, too! No question about it. Top notch from beginning to end. From the bottom of my heart, I am very grateful many times over for their help and superior services. Most definitely a cut way above the rest.
Michelle Rogge
02:19 02 Mar 24
I had a great experience with the Martini group! As a first time home buyer, I appreciated the advice Kevin and Keith gave me throughout. They really helped me navigate the process with ease!
Bill Salerno
23:58 01 Mar 24
MMG made the lending process simple and quick!
David Tran
23:40 01 Mar 24
Logan, Ronni, Kevin Martini, and Keith are a fantastic team! I had no clue what I was doing in my 1st time purchasing a home. I reached out to Logan and he orchestrated the rest of the journey into becoming a homeowner. The entire time, I felt very comfortable and Logan walked me through the entire process explaining all of the details.They were very knowledgeable and quick to respond to any questions that I had in the process. They helped me negotiate a wonderful home for a fair price! Thanks!
parker mcneely
20:21 01 Mar 24
Great working with Martini group as a first time home buyer. Gave me guidance and helped ease my anxiety. Would definitely recommend working with them when making your next purchase
1 2
20:15 01 Mar 24
Steven Tran
18:50 01 Mar 24
Kevin and his team helped us close in a record 21 days! His team knows their stuff and knows the process.
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Martini Mortgage Group at Gold Star Mortgage Financial Group, Corporation | NMLS # 3446 | For licensing information go to: www.nmlsConsumerAccess.org and/or www.GoldStarFinancial.com Please review our Disclosures & Licensing information | Gold Star Mortgage Financial Group Corporation has no affiliation with the US Department of Housing and Urban Development, the US Department of Veterans Affairs, the US Department of Agriculture or any other government agency. Equal Housing Lender. For further information about Gold Star Mortgage Financial Group, Corporation, please visit our website at www.GoldStarFinancial.com. Receipt of application does not represent an approval for financing or interest rate guarantee. Applicant subject to credit, acceptable appraisal, title, and underwriting approval. Not all applicants will be approved. Other terms and conditions apply. Contact Gold Star Mortgage Financial Group, Corporation for more information and up-to-date rates.