Raleigh | Page 12 of 27 | Mortgage Lenders in Raleigh NC

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

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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.

Buying a Home in Raleigh with Confidence

October 30, 2022 by Kevin Martini

Kevin Martini is a mortgage broker in Raleigh NC and offers access to a powerful tool called; Martini Mortgage Group Homebuyer Portal which is powered by Homebot. If you are thinking of buying for the first-time or as a repeat homebuyer, unlock your free secure access to this portal that highlights market temperature in Raleigh, NC (or any city in the U.S.) and price point along with other powerful metrics.

Our buyer portal provides impactful data on when and where you should buy a home. It also provides clarity to understand your buying power so when the time is right, you will have certainty.
Kevin Martini | Mortgage Lender Raleigh

Buy Smart To Build Wealth Faster

KNOW WHEN AND WHERE TO BUY

What if you could find your dream home at a better price in a nearby neighborhood? Explore zip codes by popular market, cheaper buys, & more!

UNDERSTAND YOUR BUYING POWER

Getting prequalified is nice but irrelevant in the current market! A must in today’s market is to be fully approved so you can make a ‘same-as-cash’ offer armed with price and cost clarity along with having certainty.

Are you selling too? With the Martini Mortgage Group Homebuyer Portal you can add your home to see its value, and how much cash you could put towards your next home.

BE READY TO MAKE YOUR MOVE

Don’t miss out on your dream home because you’re unprepared.

Be a competitive buyer by getting approved and double checking the market trends.

TO START, JUST ENTER THE CITY YOU WANT TO LIVE

FOR MORE INFORMATION, CHECK OUT THESE EPISODES OF THE MARTINI MORTGAGE PODCAST

3 New 2023 IRS Rules that Impact Raleigh Homebuyers and Homeowners

October 20, 2022 by Kevin Martini

The Internal Revenue Service (IRS) announced the tax year 2023 annual inflation adjustments for more than 60 tax provisions via IR-2022-182 Press Release titled “IRS provides tax inflation adjustments for tax year 2023” (a.k.a. IRS Revenue Procedures 2022-38).

The three provisions that may impact Raleigh homebuyers and homeowners are the ‘Standard Deduction’, ‘Gift Tax Exclusion’ and ‘Marginal Tax Brackets’.

Standard Deduction

For taxable year beginning 2023, the standard deductions changing:

$27,700 is the new 2023 standard deduction for a married couple filing jointly for 2023. This is up from $25,900 in 2022.

The new 2023 standard deduction for heads of households will be $20,800. This is up from $19,400 in 2022.

For single tax payers and married individuals filing separately, the new 2023 standard deduction is $13,850. In 2022 this was $12,950

2023 Standard Deduction	Filing Status
$27,700	Married Individuals Filing Joint Returns and Surviving Spouses
$20,800	Head of Households
$13,850	Unmarried Individuals
$13,850	Married Individuals Filing Separate Returns

information above from IR-2022-182 Press Release

Gift Tax Exclusion

$17,000 will be the annual gift exclusion in 2023. In 2022 it was $16,000.

Marginal Tax Brackets

37%: for incomes greater than $578,125 ($693,750 for married couples filing jointly)
35%: for incomes over $231,250 ($462,500 for married couples filing jointly)
32%: for incomes over $182,100 ($364,200 for married couples filing jointly)
24%: for incomes over $95,375 ($190,750 for married couples filing jointly)
22%: for incomes over $44,725 ($89,450 for married couples filing jointly)
12%: for incomes over $11,000 ($22,000 for married couples filing jointly)
10%: for incomes of $11,000 or less ($22,000 for married couples filing jointly)

Calculate Your After Tax Cost Of Your Raleigh Mortgage

best raleigh after tax benefit of a mortgage best mortgage broker kevin martini 507 n blount st raleigh, nc 27604 — https://www.martinimortgagegroup.com/after-tax-cost-of-your-raleigh-mortgage/

PLEASE NOTE: THIS OVERVIEW IS PROVIDED BY THE MARTINI MORTGAGE GROUP FOR INFORMATIONAL PURPOSES ONLY AND DOES NOT CONSTITUTE LEGAL, TAX, OR FINANCIAL ADVICE. PLEASE CONSULT WITH A QUALIFIED TAX ADVISOR FOR SPECIFIC ADVICE PERTAINING TO YOUR SITUATION. FOR MORE INFORMATION ON ANY OF THESE ITEMS, PLEASE REFERENCE IRS REVENUE PROCEDURE 2022-38.

Logan Martini

Senior Mortgage Strategist | NMLS #1591485