About Kevin Martini
Kevin Martini is a Raleigh mortgage lender serving Raleigh, North Carolina. Since 2006, he has helped homebuyers, homeowners, and real estate professionals navigate mortgage financing with greater clarity, certainty, and confidence. Kevin serves clients throughout Raleigh, Cary, Apex, Wake Forest, Durham, Chapel Hill, the Triangle, across North Carolina, and in multiple states. His approach to mortgage lending is strategy-first. The goal is not simply to find a mortgage or chase the lowest advertised rate, but to identify a home loan strategy designed to create the lowest total cost of borrowing based on each client's unique financial goals. As a Raleigh mortgage lender, Kevin believes the right mortgage is more than a loan; it is a financial tool that can impact cash flow, financial flexibility, and a homeowner's broader financial plan. That perspective shapes how he advises first-time homebuyers, repeat buyers, homeowners, and real estate professionals throughout the mortgage process. At the center of Kevin's work is a simple philosophy: **Clarity = Certainty. Certainty = Power.** Rather than focusing solely on mortgage rates or loan products, Kevin Martini helps people understand how mortgage decisions fit into the bigger picture of homeownership, personal finance, and long-term wealth creation.
We can make it happen!
Bank Statement loans
Self-employed? Our Bank Statement Loan program allows self-employed borrowers to seek a home loan without tax returns, W2s or pay stubs.
Foreign National loans
Not a US Citizen? Foreign National loans are available without a social security number, green card, or visa and do not require a FICO score.
We're in your pocket
We're committed to you as a whole person, from financial to physical and emotional wellness. Get the Rate experience in a convenient app to fit your lifestyle on-the-go.
The Rate App allows you to:
Monitor your loan status
Connect with your loan team
Calculators, tools, guides, and advice
Track your home value
Wellness tips to help you grow holistically
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Located at 3940 N Ravenswood Ave, Chicago IL, 60613
*Rate's 5-minute pre-approval refers to an automated underwriting review of borrower submitted loan documentation and subsequent pre-approval and should not suggest to a borrower that Rate has fully funded or approved the borrowers mortgage application within 5 minutes. Rate cannot guarantee that a loan will be approved or that a closing will occur within a specific timeframe. Not all borrowers will be approved. Borrower's interest rate will depend upon the specific characteristics of borrower's loan transaction, credit profile and other criteria. Restrictions apply.
**Rate's Same Day Mortgage promotion offers qualified customers who provide certain required financial information/documentation to Rate within 24 hours of locking a rate on a mortgage loan the opportunity to receive a loan approval within 1 business day of timely submission of documentation and does not suggest that the borrower will receive funding on the same day as their application submission. For purposes of this offer, documents provided after 1 pm local time or on a weekend or company holiday will be deemed submitted the next business day. Rate cannot guarantee that a loan will be approved or that a closing will occur within a specific timeframe. Rate reserves the right to revoke this approval at any time if there is a change in your financial condition or credit history which would impair your ability to repay this obligation. Read and understand your Loan Commitment before waiving any mortgage contingencies. Borrower documentation and Intent to Proceed must be signed within 24 business hours of receipt. Not eligible for all loan types or residence types. Minimum down payment requirements apply. Not all borrowers will be approved. Borrower's interest rate will depend upon the specific characteristics of borrower's loan transaction, credit profile and other criteria. Not available in all states. Restrictions apply. Visit rate.com/same-day-mortgage for terms and conditions.
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