a BRIEF curated look at Raleigh (and the Triangle) real estate and lifestyle - delivered with local insight, market intelligence and a geniuine appreciation for great homes and great neighborhoods.
Before we do anything else, lets talk about a 50 year mortgage..... yes... FIFTY years.
"It will do wonders for affordability!"
Here’s the simple math the headlines gloss over.
Same house. Same rate. Two very different outcomes:
30-year loan
• ~$2,289/mo
• Total paid: $823,922
50-year loan
• ~$2,022/mo
• Total paid: $1,213,513
That’s about $390K more over time. And you hit equity milestones way slower because you’re dragging the amortization curve out another 20 years.
Lower monthly payments feel good in the moment, but stretching a mortgage that long delays wealth-building and usually ends up pushing home prices higher, not lower (Urban Institute + FHFA research back that up).
Bottom line: affordability isn’t solved by making the loan longer. It’s solved by tackling supply, rates, and income.
If you ever want to see what different loan terms actually look like on your numbers, I can break it down for you—super low-key, no pressure.
Dreamy Dojos
330 Tenney - Chapel Hill
Former UNC football coach Mack Brown has sold his 9,000+ foot Chapel Hill beauty for $6,000,000
4908 Birchleaf
Bond Villian Vibes: A steel-and-concrete modern estate on nearly 4 acres just minutes from Raleigh and Cary, with 5,400+ sq ft, resort-style architecture, and a true multi-generational layout.
120 Harmony Hill
3.6 Acres in Adjacent to Downtown Cary. See it to believe it.
Market Snapshot – Week Ending November 8, 2025
- Inventory is rising year-over-year: Active listings are up 28% vs. this time last year (1,831 → 2,351). More choices for buyers, more price sensitivity for sellers.
- But supply is slipping week-over-week: Inventory dipped 2.6% from last week (2,413 → 2,351). Seasonal slowdown is kicking in??
- Buyer activity is solid but cooling: New pendings came in at 157, down from 184 the week before, but still ~30% higher than last year. Buyers haven’t disappeared—they’re just more selective.
- Prices are down, not crashing: Median price this week is $477,500, down from last week ($511,250) and slightly below last year ($489,000). Volatility is normal at low volume; the broader trend is flat-to-soft.
Big picture: More inventory + steady but cautious demand = a balanced market. Strong homes still move fast. Overpriced or poorly presented homes sit.
