Raleigh, North Carolina Based Mortgage Lender Kevin Martini reveals mortgage secrets at a new web site that is full of free reports, a home buying guide and free mortgage calculators. The site is designed to give consumers all the facts so they can make an educated decision when obtaining a mortgage.

Raleigh, NC -- (SBWIRE) -- 01/25/2013 -- Raleigh North Carolina based Mortgage Expert finally reveals the secrets at a brand new website

http://www.kevinmartini.com

This site is loaded with FREE REPORTS, an informative home buying guide, mortgage calculators consumers can use to run various loan scenarios and home buying resources you can use to save time and money before and after you purchase your home.

If you're planning to buy your next home, your first home, that dream home, a condo, vacation home, investment property or looking to refinance in North Carolina or the surrounding areas, you will find that this site is a complete resource full of insider secrets that will allow you to choose the loan program best suited to your financial needs.

Here is just a small sample of the secrets revealed on this site...

- Little Known Secrets That Will Show You How To Improve Your Credit Score

- Important Terms You Must Know BEFORE Obtaining A Mortgage

- Tested and Proven Strategies For Building A Better Credit Record Faster and Easier

- The Top Mortgage Questions Borrowers Must Ask Before Applying For A Mortgage

- How To Finally Stop Renting And Own A Home Of Your Own

- How To Own A Home With Low Interest Rates And A Low Down Payment, Regardless Of Your Credit

- 7 Things You Should NOT Do When Applying For A Home Loan

- 12 Secrets To Lowering Your Homeowners Insurance Cost Your Agent Doesn't Want You To Know

Raleigh, North Carolina - based mortgage expert Kevin Martini specializes in providing information to consumers that allows them to make informed decisions about their mortgage financing options and learn the insider secrets that can save them thousands of dollars over the life of their loan.

Kevin Martini is available for interviews and will welcome all your mortgage related questions.

Call 919.865.2473 for a Free No-Obligation Consultation or visit

http://www.kevinmartini.com

For more information on this press release visit: http://www.releasewire.com/press-releases/release-3.htm

Raleigh, North Carolina based Mortgage Broker Kevin Martini reveals mortgage refinancing secrets at a new web site that is full of free reports, a home buying guide and free mortgage calculators. The site is designed to give North Carolina residents all the facts about mortgage refinancing so they can make an educated decision when obtaining a mortgage.

Raleigh, NC -- (SBWIRE) -- 01/25/2013 -- It seems like everyone in North Carolina is jumping on the mortgage refinancing bandwagon. Maybe you're thinking about it yourself? After all, with rates as low as they are, the promise of lowering your monthly payments, sometimes significantly, is a great attraction for many homeowners.

But before you sign on the dotted line, there are a few things you should know about the way refinancing works so you don't make a mistake that could wind up costing you big time.

"With refinancing as popular as it is right now, North Carolina residents have to be even more careful about shopping for the best loan," says Kevin Martini, a Raleigh, North Carolina based mortgage consultant. "Even the most attractive offer can wind up being a disaster once you realize how much the loan is really costing you."

Martini offers these tips when considering refinancing:

- You should get a significantly lower rate for refinancing to make sense. Don't rush to refinance unless it's truly worth your while. If you're working with a mortgage broker rather than going it alone, you can be assured that they're bringing you the best offers out there. If you're going it alone, you'll have to do the legwork for yourself.

- Consolidating unsecured debt with a refinance loan can be a dangerous idea. You may not be in financial trouble now, but if in a few years things change, instead of simply missing a credit card payment or two, you'll now be in danger of losing your home as well.

- Your credit score counts... big time. If you've had credit problems in the past like a bankruptcy, it might make sense to wait a while for your credit score to recover before trying to refinance. Most lenders make it hard for people with less than perfect credit to get the best deals. But, again, if you choose to let an expert like a mortgage broker get involved in the process, they can often find loan options that most homeowners didn't even know existed - which can save you thousands over the long haul.

Raleigh, North Carolina - based mortgage expert Kevin Martini specializes in providing mortgage information to North Carolina residents that allows them to make informed decisions about their mortgage financing options and learn the insider secrets that can save them thousands of dollars over the life of their loan.

Kevin Martini is available for interviews and will welcome all your mortgage related questions.

Call 919.865.2473 for a Free No-Obligation Consultation or visit http://kevinmartini.com

For more information on this press release visit: http://www.releasewire.com/press-releases/release-3.htm

Mortgage refinancing secrets revealed by Raleigh, North Carolina based Mortgage Broker Kevin Martini at a new web site that is designed to give North Carolina residents all the facts about mortgage refinancing so they can make an educated decision when obtaining a mortgage. The site is full of free reports, a home buying guide and free mortgage calculators.

Raleigh, NC -- (SBWIRE) -- 01/07/2013 -- It seems like everyone in North Carolina is jumping on the mortgage refinancing bandwagon. Maybe you're thinking about it yourself? After all, with rates as low as they are, the promise of lowering your monthly payments, sometimes significantly, is a great attraction for many homeowners.

"With refinancing as popular as it is right now, North Carolina residents have to be even more careful about shopping for the best loan," says Kevin Martini, a Raleigh, North Carolina based mortgage consultant. "Even the most attractive offer can wind up being a disaster once you realize how much the loan is really costing you."

But before you sign on the dotted line, there are a few things you should know about the way refinancing works so you don't make a mistake that could wind up costing you big time.

Martini offers these tips when considering refinancing:

- Consolidating unsecured debt with a refinance loan can be a dangerous idea. You may not be in financial trouble now, but if in a few years things change, instead of simply missing a credit card payment or two, you'll now be in danger of losing your home as well.

- Your credit score counts... big time. If you've had credit problems in the past like a bankruptcy, it might make sense to wait a while for your credit score to recover before trying to refinance. Most lenders make it hard for people with less than perfect credit to get the best deals. But, again, if you choose to let an expert like a mortgage broker get involved in the process, they can often find loan options that most homeowners didn't even know existed which can save you thousands over the long haul.

- You should get a significantly lower rate for refinancing to make sense. Don't rush to refinance unless it's truly worth your while. If you're working with a mortgage broker rather than going it alone, you can be assured that they're bringing you the best offers out there. If you're going it alone, you'll have to do the legwork for yourself.

About Kevin martini
Raleigh, North Carolina - based mortgage expert Kevin Martini specializes in providing mortgage information to North Carolina residents that allows them to learn the insider secrets that can save them thousands of dollars over the life of their loan and make informed decisions about their mortgage financing options.

Kevin Martini is available for interviews and will welcome all your mortgage related questions.

Call 919.865.2473 for a Free No-Obligation Consultation or visit http://kevinmartini.com

For more information on this press release visit: http://www.releasewire.com/press-releases/release-3.htm

Real help for struggling North Carolina homeowners is now available through the new FHA streamline refinance program.

Raleigh, NC -- (SBWIRE) -- 12/11/2012 -- North Carolina mortgage lender, Kevin Martini has finally announced the release of the FHA Streamline Refinance program which can really help struggling local homeowners since qualifying for this program is easier than ever.

Many homeowners have become weary after years of promises that real help was on the way which would make their mortgage payments more affordable and enable them to avoid falling into foreclosure. However, until now initiative after initiative seemed unable to provide real assistance to property owners with FHA home loans.

HARP 2.0 delivered relief for some homeowners, but only for those with mortgages backed by Fannie Mae or Freddie Mac.

Thankfully, a real effort has been made to assist North Carolina borrowers with FHA mortgages to reduce their monthly payments and take advantage of low interest rates.

This now means there are no appraisals being required to qualify so being underwater or upside down on their mortgage will not prevent homeowners from refinancing. The FHA has also announced that it is waiving the necessity for credit reports and income verification to enable more North Carolina homeowners to qualify. However, it is important to note that individual mortgage lenders all have their own underwriting guidelines which may mean some income verification is needed as well as a credit check but most will still be far more lenient than trying to get approved for any conventional home loan today.

What is really different about the new FHA Streamline refinance program is the reduction in mortgage insurance for those who had their loans endorsed on or before May 31st, 2009. Until now, recent rate increases had eliminated much of the savings for those attempting to refinance or meant they had to bring cash to closing. Now 'no-cost' refinancing is available and that coupled with lower mortgage insurance rates can equal thousands of dollars in savings.

When asked about the new FHA streamline program benefits Kevin Martini of DNJ Mortgage / Gateway Bank said "This program finally delivers really substantial savings to underwater homeowners and anyone with an FHA loan who has not refinanced in the last six months should seriously consider this option, even if turned down before".

Those interested in finding out more about the FHA Streamline Program or would like to see if they qualify can discover more details on eligibility and receive a customized rate quote by visiting http://kevinmartini.com.

For more information on this press release visit: http://www.releasewire.com/press-releases/release-3.htm

Mortgage secrets revealed by Raleigh, North Carolina Based Mortgage Lender Kevin Martini at a new web site designed to give consumers all the facts so they can make an educated decision when obtaining a mortgage. The site is full of free reports, a home buying guide and free mortgage calculators.

Raleigh, NC -- (SBWIRE) -- 12/04/2012 -- Secrets finally revealed at a brand new website by Raleigh, North Carolina based Mortgage Expert

http://www.kevinmartini.com

If you're planning to buy your next home, your first home, that dream home, a condo, vacation home, investment property or looking to refinance in North Carolina or the surrounding areas, you will find that this site is a complete resource full of insider secrets that will allow you to choose the loan program best suited to your financial needs.

This site is loaded with FREE REPORTS, an informative home buying guide, mortgage calculators consumers can use to run various loan scenarios and home buying resources you can use to save time and money before and after you purchase your home.

Here is just a small sample of the secrets revealed on this site...

- Important Terms You Must Know BEFORE Obtaining A Mortgage

- Little Known Secrets That Will Show You How To Improve Your Credit Score

- The Top Mortgage Questions Borrowers Must Ask Before Applying For A Mortgage

- Tested and Proven Strategies For Building A Better Credit Record Faster and Easier

- How To Own A Home With Low Interest Rates And A Low Down Payment, Regardless Of Your Credit

- How To Finally Stop Renting And Own A Home Of Your Own

- 12 Secrets To Lowering Your Homeowners Insurance Cost Your Agent Doesn't Want You To Know

- 7 Things You Should NOT Do When Applying For A Home Loan

Information is provided to consumers from Raleigh, North Carolina - based mortgage expert Kevin Martini that allows them to learn the insider secrets that can save them thousands of dollars over the life of their loan and make informed decisions about their mortgage financing options.

Kevin Martini is available for interviews and will welcome all your mortgage related questions.

Call 919.865.2473 for a Free No-Obligation Consultation or visit http://www.kevinmartini.com

For more information on this press release visit: http://www.releasewire.com/press-releases/release-3.htm