Terrence Boykin - BoykinRealty.Homes

Terrence Boykin - BoykinRealty.Homes A 7-year veteran of the real estate industry and has represented clients all over the Triangle.

Our customers receive excellent service from a professional who is educated, knows the market and will protect them in the biggest financial decision in

06/01/2026

Can a 50-year mortgage really make homeownership more affordable?

We sat down with mortgage expert Ryan Smith to break down the numbers, discuss where interest rates may be headed in 2026, and explore options available to first-time homebuyers in North Carolina.

In this conversation, we cover:
🏡 50-year mortgages vs. traditional loans
📉 Interest rate forecasts for 2026
đź’° North Carolina's $15,000 down payment assistance program
👨‍👩‍👧 Co-signing strategies for parents helping children buy a home
🔑 Assumable loans and whether they're worth considering
đź“‹ Why getting pre-qualified early can save you money later

Whether you're planning to buy this year or simply preparing for the future, understanding your options can help you make better decisions.

Have questions about buying a home in North Carolina? Send me a message.

A lot of people have been waiting for rates to drop or prices to come down before making a move. But the reality is, som...
05/31/2026

A lot of people have been waiting for rates to drop or prices to come down before making a move. But the reality is, sometimes life changes before the market does.
A growing family.
An empty nest.
A new job.
Retirement.
Needing to be closer to loved ones.

Those are the real reasons 1 in 5 buyers last year said they felt like they had to move, no matter the market. Because life doesn't wait for the timing to be perfect.

And if that’s where you are right now, you can still move. You may even have more options than you think. You just need someone who can help you find them.

After a year or more of rates coming down, things have changed. And lately, mortgage rates have been climbing again. And...
05/29/2026

After a year or more of rates coming down, things have changed. And lately, mortgage rates have been climbing again.

And if that's made you wonder whether you should delay your move until they drop, you're not the only one.

The honest truth is that rates probably won't come down much until inflation cools off and some of the global uncertainty settles. And no one knows exactly when that'll be.

But what most headlines won't tell you is that rates aren't the only thing that affects affordability. Sure, they’re a big factor, but not all of the affordability news is bad.

Wages, home prices, and inventory are all trending in a direction that could still help make your move possible.

Want to know what that actually looks like for your situation? Drop a comment or send me a DM.

Because even though rates are higher, there are pockets of opportunity in any market, if you know where to look.

You’ve probably heard of the Veterans Affairs (VA) home loan. But do you know what it offers?In a recent survey, 68% of ...
05/28/2026

You’ve probably heard of the Veterans Affairs (VA) home loan. But do you know what it offers?

In a recent survey, 68% of Veterans didn’t know they may be able to buy a home with zero money down. 77% didn’t know PMI isn’t always required.

Many also have no idea they may be able to count their Basic Allowance for Housing (BAH) and Basic Allowance for Subsistence (BAS) as income.

Any of those VA loan benefits could make homeownership more achievable than you realize.

If you’ve served (or know someone who has), get in touch with a trusted lender for more information on VA home loan options and what you may qualify for.

Homeowners — this was eye-opening.Fred Gruber from EmergNC walked us through disaster renovations and gave practical adv...
05/28/2026

Homeowners — this was eye-opening.

Fred Gruber from EmergNC walked us through disaster renovations and gave practical advice on dealing with insurance companies after unexpected damage.

From water leaks while you’re on vacation to accidents during summer cookouts, these situations happen more often than people think. Knowing what to do in those first moments can make a huge difference in the outcome of your claim.

I strongly recommend connecting with Fred, so you have a plan before you ever need one.

🤝 Want to grow your business through real relationships and referrals? Come join us at Cary Leads for a morning of netwo...
05/27/2026

🤝 Want to grow your business through real relationships and referrals? Come join us at Cary Leads for a morning of networking, collaboration, and connection with local professionals across the Triangle.

No pressure. No pitch fest. Just good people helping each other grow.

⏰ Thursday, May 28, 2026 | 9:30AM–11:00AM
đź“Ť IHOP, Cary, NC

Bring business cards, grab breakfast, and meet your next referral partner. Visitors are always welcome! 🚀

05/26/2026

Price Cuts Get Bigger the Longer a House Sits Without Offers

Pricing your house high just to “see what happens” can cost you. Buyers today are quick to ignore overpriced homes. And the longer a house sits without any offers, the less it usually sells for. Want to know the right list price for your house to avoid this headache? Let’s chat.

Now might be a smart time to look at newly built homes. Builders are motivated to keep their inventory moving, so they’...
05/24/2026

Now might be a smart time to look at newly built homes.

Builders are motivated to keep their inventory moving, so they’re offering incentives like mortgage rate buydowns and closing cost help to draw in buyers.

It also means they may be more flexible on price. In fact, the median price for newly built homes just hit a five-year low for this exact reason.

Builder perks and lower prices? That’s a combo worth paying attention to.

DM me to talk through what’s available in our area and which builders are offering the best incentives today.

Address

1483 Beavers Creek Commons
Apex, NC
27502

Telephone

+19196759967

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