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The real estate market is forecasted to decelerate!

Deceleration is NOT Depreciation

Ready or not, the new buzz word in real estate arena will be ‘deceleration’. When a homebuyer and/or home seller Sellers hear the word deceleration, they will immediately think depreciation or maybe even something worse like 2008 – YIKES!

Like it or not, this word is already getting traction and we are going to hear a lot more of it in the 4th quarter of 2021 and in 2022 too!  First, deceleration is not a bad thing.  Second, there is  a material difference between deceleration and depreciation.

Deceleration is a reduction in speed or rate and it is NOT a reduction of value.  The future forecast is clear, home values are going to continue to grow however they are going to grow at a more moderate rate.

Where are home values headed with deceleration?

It is not what one person thinks, it is what a distinguished panel of over 100 economist, investment strategist, and housing market analyst believe…their opinion creates the Home Price Expectation Survey.  Yes, it is a national predication and real estate is local however I have found that the Home Price Expectation Survey mirrors what happens in the Triangle from a historic point of view.

According to the most recent survey (Q3 2021Home Price Expectation Survey), home prices are expected to increase for the rest of 2021. In 2021 the expected home value change is 11.74%.  The annual average value change through 2025 is at 5.7%.  The cumulative expected home value change through 2025 is 31.8%.

It is clear that expect home values will be decelerating from the most recent pace HOWEVER even though they are not growing as fast as they were (a.k.a. deceleration) they are still going up and that means appreciation!

Experts expect price declaration, not price depreciation over the coming years.  The first step, regardless of your home buying experience is the loan, the second step is to find your home. Connect with the Martini Group at Cardinal Financial so an experienced and trusted can talk through what is happening in the housing market today, the Martini Group can share where things are headed and what it means for you. 

Kevin Martini | Certified Mortgage Advisor


NMLS 143962 | Certified Mortgage Advisor and Branch Manager | Martini Group at Cardinal Financial Company, Limited Partnership, NMLS 66247 | 507 N Blount St Raleigh, NC 27604 | (919) 238-4934 | | | Equal Housing Opportunity


NMLS 1591485 | Senior Mortgage Strategist | Martini Group at Cardinal Financial Company, Limited Partnership, NMLS 66247 | 507 N Blount St Raleigh, NC 27604 | (919) 238-4934 | | | Equal Housing Opportunity

Kevin Martini

Kevin Martini is the founder of the Martini Mortgage Group; Branch Manager and Senior Mortgage Strategist with Cardinal Financial Company; a husband to a magnificent lady who was his high school sweetheart; a father of 2 amazing men; a son to tremendous parents; a grandfather to beautiful grandchildren; a loyal friend; a trusted and experienced advisor to the families he serves.

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