Peter Martino at Guaranteed Rate

Peter Martino at Guaranteed Rate I am a VP of Mortgage Lending at Guaranteed Rate. Personal NMLS # 223010. Guaranteed Rate #2611.

I am a VP of Mortgage Lending NMLS: 223010 at Guaranteed Rate NMLS: 2611

A lot of agents still think VA deals are tough to get across the finish line. In reality, it comes down to who's handlin...
05/30/2026

A lot of agents still think VA deals are tough to get across the finish line.
In reality, it comes down to who's handling it. When the process is managed right, these close just as smoothly as anything else.
If you've got VA buyers, work with me, I'll help you get them closed clean.

Financial Planners, ๐‡๐ž๐ฅ๐ฉ ๐˜๐จ๐ฎ๐ซ ๐Ÿ“๐Ÿ“+ ๐๐ฎ๐ฒ๐ž๐ซ๐ฌ ๐Ž๐ฏ๐ž๐ซ๐œ๐จ๐ฆ๐ž ๐‚๐š๐ฌ๐ก ๐‚๐จ๐ฆ๐ฉ๐ž๐ญ๐ข๐ญ๐ข๐จ๐ง ๐–๐ข๐ญ๐ก ๐“๐ก๐ž๐ฌ๐ž ๐๐ซ๐จ๐ฏ๐ž๐ง ๐’๐ญ๐ซ๐š๐ญ๐ž๐ ๐ข๐ž๐ฌThe hardest conversations...
05/26/2026

Financial Planners, ๐‡๐ž๐ฅ๐ฉ ๐˜๐จ๐ฎ๐ซ ๐Ÿ“๐Ÿ“+ ๐๐ฎ๐ฒ๐ž๐ซ๐ฌ ๐Ž๐ฏ๐ž๐ซ๐œ๐จ๐ฆ๐ž ๐‚๐š๐ฌ๐ก ๐‚๐จ๐ฆ๐ฉ๐ž๐ญ๐ข๐ญ๐ข๐จ๐ง ๐–๐ข๐ญ๐ก ๐“๐ก๐ž๐ฌ๐ž ๐๐ซ๐จ๐ฏ๐ž๐ง ๐’๐ญ๐ซ๐š๐ญ๐ž๐ ๐ข๐ž๐ฌ

The hardest conversations in real estate today have nothing to do with interest rates. They're about buyers losing to a cash offer.
You know the scenario well:
A well-qualified buyer writes a strong offer ...
only to watch an all-cash bidder take the home in one move.

Not because your client lacks commitment.
Not because they aren't financially responsible.
But because cash wins speed, certainty and leverage.

And when the same buyers keep coming up short, momentum fades fast.
Every failed offer chips away at buyer confidence and deal flow.

There is a way to make financed buyers more competitive - even in heavy cash markets.

Expand purchasing power using reverse-for-purchase (no DTI requirement).
For clients 55+, this structure removes the single biggest qualification constraint and instantly increases purchasing capacity.
More budget = more competitive offers.

Position home equity as a power-bidding tool.
Reverse-for-purchase removes the monthly mortgage payment, giving buyers greater
purchasing power, cleaner offers and the flexibility sellers favor in competitive scenarios.
It's about greater optionality.

When these strategies are introduced, real shifts happen:
โœ… more competitive offers
โœ… fewer losses to cash
โœ… higher buyer confidence
โœ… better outcomes in low-inventory, high-competition markets

In a market where cash can dominate, your advantage is the ability to help buyers play a different game.

Are cash buyers dominating your local market right now? How are your clients navigating those offer rounds?

http://Rate.com/PeterMartino

05/22/2026

Top agents know it's not just about closing deals, it's how smoothly they close. With me as your partner and the Rate App in hand, you get the speed and visibility to deliver every time. https://www.rate.com/rate-app?LOID=481

It's not the loan-it's the ex*****on.With the right process, VA timelines move just as fast as anything else.Work with m...
05/19/2026

It's not the loan-it's the ex*****on.
With the right process, VA timelines move just as fast as anything else.
Work with me and let's keep your deals moving.

http://Rate.com/PeterMartino

There is something special about having a place to call your own. A place for new traditions, new memories, and the kind...
05/13/2026

There is something special about having a place to call your own. A place for new traditions, new memories, and the kind of pride that stays with you. Ready to make it happen? Start with Rate.

http://Rate.com/PeterMartino

๐Ÿก Help equity-rich homeowners protect cash flow and happinessYou know the client. $800K home. $200K left on the mortgage...
05/08/2026

๐Ÿก Help equity-rich homeowners protect cash flow and happiness
You know the client. $800K home. $200K left on the mortgage. Strong credit.
But tight every single month.
They're not broke. They're boxed in.
And they rarely say it directly.
Instead you hear:
ยท "Things just feel tight lately."
ยท "We're trying not to touch investments."
ยท "We'll figure it out."
If you don't step in, they drain savings, increase credit card debt, grow resentful of their mortgage and eventually look for someone else who has answers. The cost of inaction isn't just stress. It's lost trust and lost opportunity.
โš ๏ธ 1. Here's how to be proactive: Run a 15-minute cash flow audit. Don't ask, "Do you need anything?"
Ask:
ยท "What's your monthly surplus right now?"
ยท "What would breathing room look like?"
ยท "Are you protecting investments and carrying mortgage pressure?" Make the numbers visible.
๐Ÿ“Š2. Present equity as a strategy, not a last resort. Show side-by-side
scenarios:
ยท Current payment vs. payment eliminated
ยท Portfolio withdrawals vs. equity buffer
ยท Status quo vs. improved monthly liquidity. When clients see the math, the emotion calms down.
๐ŸŽฅ3. Create a 3-minute explainer video. Record a simple video answering:
ยท "How can I access equity without selling?"
ยท "Will I still own my home?"
ยท "What happens long term?" Send it before the appointment. Remove confusion before it turns into resistance.
๐ŸŽฅ4. Revisit your past
Stop letting "no" be the final answer. Pull your 55+ declines from the last 24 months that failed on DTI or cash flow. It's time to re-engage them with our portfolio solutions.
Many of those clients aren't unqualified.
They were just offered the wrong structure.
This market rewards originators who solve cash flow, not just those who close loans.
Rates fluctuate. Stress compounds.
You can either wait for clients to ask for help - or lead the conversation.
Which approach are you taking right now? ๐Ÿค”

That incredible space you're imagining ยพ modern kitchen, spacious floor plan, dreamy finishes - is closer than you think...
05/04/2026

That incredible space you're imagining ยพ modern kitchen, spacious floor plan, dreamy finishes - is closer than you think. A renovation loan from Rate lets you convert any home into your dream home, whether it's already yours or on your mind to buy.
* Low down payment
* For multiple property types
* Small upgrades to full remodels
Reach out and learn how to turn an "almost there" home into exactly what you've been dreaming of.

http://Rate.com/PeterMartino

Meet RateFi, a revolutionary new way to buy a home without selling your digital assets. Your crypto counts towards quali...
03/25/2026

Meet RateFi, a revolutionary new way to buy a home without selling your digital assets. Your crypto counts towards qualifying assets, but you can keep every coin. Reach out to learn more.

http://Rate.com/PeterMartino

Address

1111 Military Cutoff Road Suite 191
Wilmington, NC
28405

Telephone

+18472745560

Website

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