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Why Deliberating on Raleigh Mortgage Rates Can Be A Misstep for Prospective Homebuyers

September 26, 2023 by Kevin Martini

In the quest for a home, many prospective Raleigh homebuyers are postponing their buying decisions, swayed by the current state of Raleigh mortgage rates. In this insightful piece, Raleigh Mortgage Broker Logan Martini from Martini Mortgage Group explores two compelling reasons this delay could be counterproductive.

Persistent Elevated Inflation

The onset of the pandemic saw the Federal Reserve roll out economic stimulus programs, coupled with significant governmental spending, propelling inflation rates to a pinnacle unseen since the early ’80s.

The annual consumer inflation soared past 8% in 2022, although recent data show a decline, landing at a 4.1% annual inflation rate. However, it’s still a departure from the Fed’s ideal 2% target.

A future dip in the annual consumer inflation rate towards the Fed’s 2% target might trigger a decrease in mortgage rates. Yet, a significant shift may continue for another year or two.

The silver lining is the concurrent rise in real estate values driven by inflation. Homeownership remains a robust avenue to amass wealth in the prevailing economy.

Surge in Bond Supply

Recent narratives reveal about $7.6 trillion of US government debt maturing within the upcoming year, mandating a refinancing at the existing market rates against the former era’s lower rates. This scenario will invariably ramp up interest expenses on government debt, breeding further obligation to cover the elevated interest charges.

Additionally, the fiscal burden of essential government initiatives like Social Security, Medicaid, and Medicare is skyrocketing with no downtrend in sight.

These dynamics forecast a flood of bonds entering the market in the ensuing years to cover these expenses. This influx will likely incite investors to seek higher interest rates on these bonds, casting a long shadow on Raleigh mortgage rates and keeping them lofty for at least another couple of years.

However, a glimpse back to the 1980s, when mortgage rates peaked at 18.63% as per Freddie Mac data, reveals that home buying continued unabated. Today’s interest rates are considerably lower, and with the option to refinance once inflation and bond supply find a stable ground, there’s little reason for apprehension.

Marry the Home, Flirt WIth the Rate

“Marry the home and flirt with the rate” is a strategic approach for homebuyers deployed by the Martini Mortgage Group. This phrase highlights the importance of understanding the long-term value of real estate (marrying the home) and the temporary nature of mortgage interest rates (flirting with the rate). 

The fundamental principle behind “marry the home and flirt with the rate” encourages homebuyers to prioritize discovering the perfect property that aligns with their long-term aspirations. Simultaneously, it advises them to be astute and seize opportunities, regardless of the current mortgage rate environment, to secure their home investment. This approach is especially relevant as experts suggest that real estate is poised for more substantial growth. 

It’s an undeniable truth that mortgage rates follow cyclical patterns even with stubborn inflation and elevated bond supply. Once this persistent inflation subsides, mortgage rates will likely trend lower, offering an opportunity to refinance and reduce borrowing costs. This prudent strategy underscores the delicate balance between acquiring a home at today’s price point and ensuring long-term financial comfort and stability.

Raleigh Mortgage Lender Logan Martini’s Expertise

For a deeper dive into the ripple effects of inflation, bond supply, or to determine if the “Marry the Home, Flirt WIth the Rate” philosophy aligns with your vision, reach out to Logan Martini of Martini Mortgage Group, a seasoned Raleigh mortgage lender serving families nationwide.

raleigh mortgage broker logan martini

The Comprehensive Raleigh Homebuyer & Raleigh Mortgage Guide for Fall 2023 | Martini Mortgage Group Homebuyer Guide
Embarking on the home-buying journey is both exciting and daunting. Raleigh mortgage broker Kevin Martini and

Why Raleigh Homebuyers Should Consider Future Home Prices
For many aspiring homeowners in Raleigh, the big question is: “Where are home prices headed?” If you’re a

Bank Statement Loans with Martini Mortgage Group: Alternative Mortgage Solutions
Certified Mortgage Advisor Kevin Martini and trusted Raleigh Mortgage Broker Logan Martini, have not only

Filed Under: Homebuying Tips, Housing Market, Inflation, Local Market Analysis, Logan Martini, Mortgage Guidance, Mortgage Rates Tagged With: Bond Supply, Buying a Home in North Carolina, Buying a Home in Raleigh, homebuying, inflation, Logan Martini, Martini Mortgage Group, Mortgage Broker, NC, Raleigh, Raleigh Mortgage Broker, Raleigh Mortgage Lender, Raleigh Real Estate

Things to Know and Consider when Buying a Home (Martini Buyer Guide | Winter 2022)

December 7, 2022 by Kevin Martini

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

winter 2022 martini buyer guide
Winter 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 Winter 2022 Martini Buyer Guide would be very helpful since it simply explains the current real estate and mortgage opportunity.

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

Logan Martini, Raleigh Mortgage Broker & Senior Mortgage Strategist

Contents of the Winter 2022 Martini Buyer Guide (things to know and consider when buying a home)

best raleigh mortgage broker logan martini

What is happening in the market?

With everything going on in the housing market right now, you may have a number of questions about what that means for you and your plans to buy a home. Here are three things that are likely top of mind for you.

  • Why did Raleigh mortgage rates rise so much in 2022?
  • What is happening with home prices in Raleigh?
  • Should I buy a home in Raleigh today?
raleigh mortgage lender martini mortgage group what is happening in the housing market page 1 of 2 winter 2022 martini buyer guide
raleigh mortgage lender martini mortgage group what is happening in the housing market page 2 of 2 winter 2022 martini buyer guide

Expert insights for today’s homebuyers

If you want to buy a home today in Raleigh or anywhere for that matter, here are a few things experts say you should know about what to expect and why homeownership is so important.

raleigh mortgage lender martini mortgage group expert insight for todays homebuyers winter 2022 martini buyer guide

Trends that are good news for Raleigh homebuyers

As the Raleigh real estate market has cooled but still remains strong, some of the intensity buyers faced during the peak frenzy of the pandemic has cooled too! Here are four trends that may be beneficial when you go to buy a home today.

  1. More homes to choose from
  2. Bidding wars have eased
  3. More negotiation power
  4. Higher loan limits
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2/1 Buydown

Increasing Raleigh mortgage rates are presenting some challenges and opportunities not just for first-time homebuyers but also to repeat homebuyers too! Leap over the challenges and into the opportunity with a creative mortgage strategy offered by the Martini Mortgage Group called a Seller Paid Buydown.

raleigh mortgage broker kevin martini steer paid buydown winter 2022 martini buyer guide
FREE BUYDOWN CALCULATOR

In most markets in North Carolina, especially in the Triangle, homebuyers will find that sellers are more willing to negotiate on price or other terms more than they have been in recent years.

Logan Martini, Raleigh Mortgage Broker & Senior Mortgage Strategist

5 traps to avoid when buying a home

raleigh mortgage broker logan martini winter 2022 martini buyer guide 5 traps to avoid when buying home 1 of 3
  1. Home shopping before a solid mortgage approval.
  2. Not considering the costs of sale.
  3. Overlooking the costs of improvements, utilities and maintenance.
  4. Using the wrong down payment strategy.
  5. Shopping for a mortgage vs. shopping for the right mortgage professional.
raleigh mortgage broker logan martini winter 2022 martini buyer guide 5 traps to avoid when buying home 2 of 3
raleigh mortgage broker logan martini winter 2022 martini buyer guide 5 traps to avoid when buying home 3 of 3

Top reasons to own your home!

  • Personal Expression
  • Accomplishment
  • Investment
  • Comfort
  • Family
  • Community
  • Privacy
  • Stability

The non-financial benefits of homeownership

While you could see less competition and more room for negotiation, you may be wondering if now’s the best time to buy a home given Raleigh mortgage rates are higher than they were last year. While the financial aspects are important to consider, there are also powerful non-financial reasons it may make sense to become a homeowner. See the full article on page 16 of the Winter 2022 edition of the Martini Buyer Guide.

Things to avoid after applying for a mortgage!

raleigh mortgage broker kevin martini winter 2022 martini buyer things to avoid after applying for a mortgage page 1 of 2
raleigh mortgage broker kevin martini winter 2022 martini buyer things to avoid after applying for a mortgage page 2 of 2 png

Why buying a home makes better sense than renting

If there is a time to rent, that time is not now.

Kevin Martini, Certified Mortgage Advisor and Raleigh Mortgage Broker

The long-term benefit of homeownership

Consider this: if you know people who bought a home 5, 10, or even 30 years ago, you’re probably going to have a hard time finding someone who regrets their decision. Why is that? The reason is tied to how you gain equity and wealth as home values grow with time.

raleigh mortgage broker kevin martini winter 2022 martini buyer benefit of homeownership page1 of 2
raleigh mortgage broker kevin martini winter 2022 martini buyer benefit of homeownership page 2 of 2
Things to Know and Consider when Buying a Home (Martini Buyer Guide Winter 2022)Download

Let’s chat…

I’m sure you have questions and thoughts about securing the proper mortgage with the lowest cost of borrowing and real estate process.

We’d love to talk with you about what you’ve read in the Winter 2022 Edition of the Martini Buyer Guide and help you on the path to buying your new home. Our number is (919) 238-4934 and we look forward to working with you.

logan martini raleigh mortgage lender with martini mortgage group 2

Logan Martini

Senior Mortgage Strategist | NMLS 1591485

[email protected]

    kevin martini best raleigh mortgage broker

    Kevin Martini

    Certified Mortgage Advisor | NMLS 143962

    [email protected]

      Filed Under: 2-1 Buydown, Affordability, Agency Loan, Appreciation, Buy a Home, buydown, Buydowns, Conforming Loan, Conforming Loan Limits, Conventional Loan, Fannie Mae, Freddie Mac, Home Loan Rates, Home Loans, Home Values, Housing Market, Inflation, Kevin Martini, Loan Limits, Logan Martini, Martini Buyer Guide, Mortgage, Mortgage Rates, Raleigh, Real Estate, Things to Consider when Buying a Home Tagged With: Buying a Home in North Carolina, Kevin Martini, Logan Martini, Martini Buyer Guide, Martini Mortgage Group, MartiniBuyerGuide.com, North Carolina, Raleigh, Raleigh Mortgage, Raleigh Mortgage Broker, Raleigh Mortgage Lender, Raleigh Real Estate, Real Estate, Real Estate Tips, Things to know and consider when buying a home

      And the winner is, homeownership!

      November 14, 2022 by Kevin Martini

      Some people are questioning if they should buy a home this year or if they should wait because of their perception of the current Raleigh real estate market.  Homeownership does not just provide one with a roof, it is a long-term investment that has historically performed very well to create generational wealth. 

      It is impossible to time the purchase of any investment.  

      The timing of purchasing real estate is not based on the current market conditions, the purchase of real estate depends on when buying a home is right for you and your family.

      Real estate is a long-term investment. 

      With all long-term investments, to include real estate, it is impossible to time the market.  It is NOT about the perception of the national real estate market condition, it is all about the reality of the Raleigh real estate market.  The current Raleigh real estate market provides a homebuyer that wants to become a homeowner with 4 very unique opportunities (i.e. 4 Pieces of Good News for Homebuyers): 1) options 2) limited buyer bidding battles 3) power 4) access to introductory mortgage rates

      For more information about these 4 Piece of Good News for Homebuyers, check out episode 165 of the Martini Mortgage Podcast.

      Real estate is a long-term investment that performs.

      Home appreciation in the of the home’s value over time. In the previous 5-years, in North Carolina, homes increased 79.42%. Since 1991, in North Carolina, the average cumulative appreciation was 293.98%.

      north carolina average appreciation since 1991

      #KevinMartiniLive

      Consider the long-term financial benefits of homeownership not the perception of the current environment. In the long run, homeownership wins. If you are ready to explore your options, let’s connect today.

      Filed Under: Appreciation, Home Values, Housing Market, Kevin Martini, Raleigh, Real Estate, Things to Consider when Buying a Home, Uncategorized, Wake County Tagged With: Appreciation, Buying a Home in Raleigh, North Carolina, Raleigh, Raleigh Mortgage Broker, Raleigh Mortgage Lender, Raleigh Real Estate, Real Estate

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