Currently have a 7 year mortgage at 3.5% fixed and I don't plan on moving once it's paid off (and I won't be refinancing).I remember when I first moved out here complaining about the food not having any flavor and seeking out to find Tacos de Mexico on Santa Fe. 

(See also this N&O story: Seven Triangle towns are among the state's fastest-growing, and then there's Garner which mentions cities in bold).

Commercial will also typically have a lot more to do with the age/amenities of building..One way I've heard it loosely described is something like (with a little flavor from me..)Class A: Great tenants.

blue shaker bottoms, that's bold. 

But appreciation rate can vary widely from market to market depending on what state is this years flavor and what billionaire is moving some factory to where.  

I even have my attorney in my operating agreements make that statement 2 ponts bigger in Italic and bold.. and they still miss it..  

If you were running an ice creme store and had a great flavor, would you tell someone else who wanted to open up a store in the same area your exact recipe for that flavor?

Upgrade light fixtures, get a nice mirror and distract the eye with some bold staging items (towels, rug, maybe a faux plant). 

It's not a claim I've heard often that people have had good rapport with national banks so I'm curious if there is potential for a local flavor at branches at some of these big banks

(I added the bold for emphasis - safety first!)