May 3, 2025 • 10 mins
0000030E 0000030E 00005E3C 00005E3C 000330A1 000330A1 00007E86 00007E86 0001B834 0001B834
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Episode Transcript
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(00:00):
Let's be real renting feels easier. It feels flexible. It feels safe
(00:06):
until one day
You realize you rent just eight up
$24,000 of your income this year and gave you nothing back
no equity
no stability
no well
just the receipt
and release renewal
(00:28):
If you're listening to this and thinking but I'm not ready to buy yet
perfect
Because this episode of the Martini Mortini podcast isn't about pressuring you to buy
It's about showing you why being ready is less about perfection and more about having a plan
(00:49):
Welcome to episode
116 of the Martini Mortini podcast my name is Kevin Martini and before I start digging into
Why renting feels safe but might be costing you more than you think I need to make the compliance people happy
so I'm Kevin Martini a certified mortgage advisor and producing branch manager
(01:14):
NMS 143962 with the Martini Mortini Group at Goldstar Mortgage Financial Group Corporation
NMS 3446 equal housing lender this podcast is here to inform
Educate and entertain not to provide legal or professional advice
Now with that out of the way
(01:36):
Let's do a quick exercise
Say you rent is
$2,000 a month over five years
That's a hundred and twenty grand gone
Not invested not building wealth just gone
(01:56):
Now let's compare that to owning same two thousand dollars a month
But now
Part of that goes towards your loans principle you pay yourself back and
You're probably gaining equity as your home grows in value and
(02:17):
Don't even get me started on the tax benefits or the ability to lock in the cost of your home
Rent is money gone a mortgage
That's money growing
Let's kill this myth
once and for all
You do not need
(02:38):
20% down to buy a home not even close
That number it's a carryover from your parents era
Today there are real smart home loan programs designed for real people who are earning
saving and being thoughtful with their money
(03:00):
Take our no-down payment FHA home loan at the Martini Mortini Group
Yes, it's exactly like it sounds
All the trust of power and the flexibility of an FHA home loan
Without the required 3.5% down payment
not a workaround
(03:24):
not a loophole
A real program
Designed to remove the number one barrier most people face the upfront cash
Now I've had the privilege of walking alongside families who thought they needed years to save up
With the right plan
(03:45):
They were in their own home in the matter of weeks
and with
dollars
not
thousands of dollars
This isn't magic
It's strategy
and strategy is where it gets
Very exciting
Let's talk about the emotional elephant in the room
(04:10):
Rent feels like the safer place because it's predictable
Until it's not
A national study found that 70%
7 out of 10 renters worry about the long-term consequences of rentee and it makes 100% sense
(04:32):
Because here's what rent does over time
Rent goes up
Rent eats your savings
And when you rent
It makes it harder to break free
Buying a home on the other hand
Is a chance to stabilize your house in expense
(04:54):
You lock in your monthly payment
And while prices around you go up
Your investment grows with them
Sure in some markets
Rentee might feel cheaper on paper
But what rent can't offer is wealth building
Rent can't offer you control
(05:17):
And rent definitely can't offer you ownership of your future
owning a home isn't just a financial decision it's a shield against inflation
Against rent heights
Against the stress of always wondering what's next
(05:38):
There's another fear bubbling beneath the surface right now too
What if the economy slows down?
What if home prices fall?
What if I buy now and I regret it later?
Let's unpack this
According to the recent insights
(05:59):
We are seeing signs of an economic slowdown
But here's what most people get wrong about this
A slowdown does not mean housing crashes imminent
In fact during most economic slowdowns over the last four decades plus
(06:22):
Home values still increase now why is this?
Because people always need a place to live
And in times of uncertainty real estate becomes a safe even
Not a liability
Pepper in the real fact that housing inventory is still very tight
(06:43):
And demand especially among first time home buyers is holding strong
Here's the risk
Getting frozen by fear while prices and rates play tug of war
And missing the moment to step in and take control
It prices dip and you bought you can ride it out while building equity
(07:09):
If rates drop guess what you refinance simple
But if you wait for the perfect moment that never comes
You stay renting you keep paying more
And you watch others build wealth while you stand still
Now let's be honest
(07:31):
Most people don't need convincing
They need clarity
They need to know they won't mess it up
That they won't be judged
That
Someone will walk with them not ahead of them
You don't need a zillotab open at one a.m
(07:55):
You need education
You need strategy
You need someone who will say
Let's figure this out together
That's why I believe the first step isn't the home search
It's the loan strategy
(08:16):
Here's what that looks like with me
First together we figure out
What you could afford with your current budget
Then we run a side by side
Belly to belly comparison
Of your rent versus your potential home ownership cost
(08:36):
Finally we explore your options
Including the no down payment FHA home loan offered by the martini mortgage group
So you can see what's possible with your reality
Not with someone else's highlight reel
You may decide now's not the time
(08:57):
You may decide to wait
But either way
You walk away smarter
Stronger
More prepared
Because the one thing I know for sure
There is never a substitute for education
A plan puts the power back in your hands
(09:21):
And progress starts the moment you stop guessing
So here's your next step
Let's connect
I'll give you a full picture with numbers, strategies and zero pressure
You'll always know whether now is your time
(09:43):
Or how to prepare for when it is your time
My name is Kevin Mortini
And I'm not just a mortgage loan officer
But I'm a certified mortgage advisor
As a certified mortgage advisor
I take a fiduciary approach
And that means your best interests are my only interest
(10:06):
You can reach me by dialing 919-238-4934
Again, my number is 919-238-4934
In closing
Let me be 100% transparent
There is no shame in renting
(10:28):
But no wealth in it either
You're not behind because you are renting
You're just renting without a plan
And together we can fix that
Because you deserve more than a lease renewal
You deserve a future that builds itself
Let's build it one step at a time
(10:51):
[BLANK_AUDIO]
Let's be real renting feels easier. It feels flexible. It feels safe
(00:06):
until one day
You realize you rent just eight up
$24,000 of your income this year and gave you nothing back
no equity
no stability
no well
just the receipt
and release renewal
(00:28):
If you're listening to this and thinking but I'm not ready to buy yet
perfect
Because this episode of the Martini Mortini podcast isn't about pressuring you to buy
It's about showing you why being ready is less about perfection and more about having a plan
(00:49):
Welcome to episode
116 of the Martini Mortini podcast my name is Kevin Martini and before I start digging into
Why renting feels safe but might be costing you more than you think I need to make the compliance people happy
so I'm Kevin Martini a certified mortgage advisor and producing branch manager
(01:14):
NMS 143962 with the Martini Mortini Group at Goldstar Mortgage Financial Group Corporation
NMS 3446 equal housing lender this podcast is here to inform
Educate and entertain not to provide legal or professional advice
Now with that out of the way
(01:36):
Let's do a quick exercise
Say you rent is
$2,000 a month over five years
That's a hundred and twenty grand gone
Not invested not building wealth just gone
(01:56):
Now let's compare that to owning same two thousand dollars a month
But now
Part of that goes towards your loans principle you pay yourself back and
You're probably gaining equity as your home grows in value and
(02:17):
Don't even get me started on the tax benefits or the ability to lock in the cost of your home
Rent is money gone a mortgage
That's money growing
Let's kill this myth
once and for all
You do not need
(02:38):
20% down to buy a home not even close
That number it's a carryover from your parents era
Today there are real smart home loan programs designed for real people who are earning
saving and being thoughtful with their money
(03:00):
Take our no-down payment FHA home loan at the Martini Mortini Group
Yes, it's exactly like it sounds
All the trust of power and the flexibility of an FHA home loan
Without the required 3.5% down payment
not a workaround
(03:24):
not a loophole
A real program
Designed to remove the number one barrier most people face the upfront cash
Now I've had the privilege of walking alongside families who thought they needed years to save up
With the right plan
(03:45):
They were in their own home in the matter of weeks
and with
dollars
not
thousands of dollars
This isn't magic
It's strategy
and strategy is where it gets
Very exciting
Let's talk about the emotional elephant in the room
(04:10):
Rent feels like the safer place because it's predictable
Until it's not
A national study found that 70%
7 out of 10 renters worry about the long-term consequences of rentee and it makes 100% sense
(04:32):
Because here's what rent does over time
Rent goes up
Rent eats your savings
And when you rent
It makes it harder to break free
Buying a home on the other hand
Is a chance to stabilize your house in expense
(04:54):
You lock in your monthly payment
And while prices around you go up
Your investment grows with them
Sure in some markets
Rentee might feel cheaper on paper
But what rent can't offer is wealth building
Rent can't offer you control
(05:17):
And rent definitely can't offer you ownership of your future
owning a home isn't just a financial decision it's a shield against inflation
Against rent heights
Against the stress of always wondering what's next
(05:38):
There's another fear bubbling beneath the surface right now too
What if the economy slows down?
What if home prices fall?
What if I buy now and I regret it later?
Let's unpack this
According to the recent insights
(05:59):
We are seeing signs of an economic slowdown
But here's what most people get wrong about this
A slowdown does not mean housing crashes imminent
In fact during most economic slowdowns over the last four decades plus
(06:22):
Home values still increase now why is this?
Because people always need a place to live
And in times of uncertainty real estate becomes a safe even
Not a liability
Pepper in the real fact that housing inventory is still very tight
(06:43):
And demand especially among first time home buyers is holding strong
Here's the risk
Getting frozen by fear while prices and rates play tug of war
And missing the moment to step in and take control
It prices dip and you bought you can ride it out while building equity
(07:09):
If rates drop guess what you refinance simple
But if you wait for the perfect moment that never comes
You stay renting you keep paying more
And you watch others build wealth while you stand still
Now let's be honest
(07:31):
Most people don't need convincing
They need clarity
They need to know they won't mess it up
That they won't be judged
That
Someone will walk with them not ahead of them
You don't need a zillotab open at one a.m
(07:55):
You need education
You need strategy
You need someone who will say
Let's figure this out together
That's why I believe the first step isn't the home search
It's the loan strategy
(08:16):
Here's what that looks like with me
First together we figure out
What you could afford with your current budget
Then we run a side by side
Belly to belly comparison
Of your rent versus your potential home ownership cost
(08:36):
Finally we explore your options
Including the no down payment FHA home loan offered by the martini mortgage group
So you can see what's possible with your reality
Not with someone else's highlight reel
You may decide now's not the time
(08:57):
You may decide to wait
But either way
You walk away smarter
Stronger
More prepared
Because the one thing I know for sure
There is never a substitute for education
A plan puts the power back in your hands
(09:21):
And progress starts the moment you stop guessing
So here's your next step
Let's connect
I'll give you a full picture with numbers, strategies and zero pressure
You'll always know whether now is your time
(09:43):
Or how to prepare for when it is your time
My name is Kevin Mortini
And I'm not just a mortgage loan officer
But I'm a certified mortgage advisor
As a certified mortgage advisor
I take a fiduciary approach
And that means your best interests are my only interest
(10:06):
You can reach me by dialing 919-238-4934
Again, my number is 919-238-4934
In closing
Let me be 100% transparent
There is no shame in renting
(10:28):
But no wealth in it either
You're not behind because you are renting
You're just renting without a plan
And together we can fix that
Because you deserve more than a lease renewal
You deserve a future that builds itself
Let's build it one step at a time
(10:51):
[BLANK_AUDIO]
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