Julie Kirkiewicz Realtor REMAX Results

01/20/2026

REMAX Results
Julie Kirkiewicz
314-221-9581
314-448-4706

12/03/2025

11/29/2025

Julie Kirkiewicz
RE/MAX Results

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11/21/2025

11/19/2025

A visual graph clearly illustrates the two primary differences between a 30-year and a 50-year mortgage: lower monthly payments (the pro) versus significantly higher total cost (the con).

The following charts are based on a hypothetical $300,000 principal loan, comparing a 30-year term at 6.5% interest to a 50-year term at a slightly higher 7.0% interest (reflecting the increased risk on a longer loan).

1. Monthly Payment Comparison (The Pro)
The bar chart below shows that the 50-year mortgage offers a lower monthly payment, which is the main financial advantage and the reason for its consideration as an affordability tool.

Term Monthly Payment (P&I)
30-Year Mortgage (6.5%) $1,896
50-Year Mortgage (7.0%) $1,805
In this scenario, the 50-year term saves the borrower about $91 per month.

2. Total Interest Paid Comparison (The Con)
This chart highlights the most significant drawback: the total interest paid is dramatically higher due to the money being borrowed for an extra two decades.

Term Total Interest Paid
30-Year Mortgage (6.5%) $382,633
50-Year Mortgage (7.0%) $783,039
In this scenario, extending the loan to 50 years results in paying over $400,000 more in interest over the full term of the loan. This is money that does not build equity for the homeowner.

06/09/2025

I’m not sure I could be more delighted by a recommendation.

See more: https://www.realsatisfied.com/Julie-Kirkiewicz

08/18/2024

Follow these clever tips for keeping your kitchen knives safe during your big .

Moving? Pack your good knives correctly so they stay sharp.

08/14/2024

What's the first thing about this that catches your eye?

Completed in 2020 in San Nicolás, Argentina. Images by Gonzalo Viramonte. House 2/3, is the second of a series of three houses located on the same block of Villa San Nicolás, a quiet municipality on the outskirts of the...

08/11/2024

This really embraces its vintage look in some very subtle ways.

Ortali is a beautiful traditional country house located in Arezzo, Italy, redesigned in 2022 by the talented Massimo Zanelli.