How can new construction benefit buyers?

New construction can offer perks like rate buydowns or closing cost credits, but here’s the reality: many incentives are already built into the sales price. That means what looks like a discount may not truly lower your cost of borrowing. A Raleigh Mortgage Broker who takes a fiduciary approach can help you compare options, because new construction isn’t always the best financial deal compared to resale homes.

How can new construction benefit buyers?

New construction can offer perks like rate buydowns or closing cost credits, but here’s the reality: many incentives are already built into the sales price. That means what looks like a discount may not truly lower your cost of borrowing. A Raleigh Mortgage Broker who takes a fiduciary approach can help you compare options, because new construction isn’t always the best financial deal compared to resale homes.

Raleigh Mortgage Broker: The Surprising Truth About Rising Home Inventory

Q: What does rising inventory mean in Raleigh?

It means more choices and better negotiating power. A Raleigh Mortgage Broker can help you make the most of it.

August 28, 2025
Kevin Martini
Uncategorized

Headlines about rising home inventory are everywhere—but the interpretation is often wrong. Some assume prices are about to crash. Others think waiting is a smarter play.

As a Raleigh Mortgage Broker, I see this differently. At Martini Mortgage Group, we’ve guided families since 2006, and I can tell you: rising inventory is not a red flag. It’s an opportunity. For first-time buyers, move-up families, and investors alike, more inventory changes the way you can approach the market—especially here in Raleigh, NC.

The National Picture: Inventory = Leverage for Homebuyers

For years, buyers had little choice. Competition was fierce, bidding wars were common, and affordability was squeezed. Now, the tide is shifting:

The National Association of Realtors (NAR) reports that buyers now have the best negotiating power in more than five years, with inventory at its highest since May 2020.
Inventory jumped nearly 30% from January to June 2025, giving buyers more options and less pressure.

The Martini Mortgage Group translation? More homes on the market means choice and leverage for buyers—two things that have been missing for a long time.

Raleigh’s Reality: More Homes, Strong Demand

Raleigh follows national trends but with its own twist.

According to Zillow, the average home value in Raleigh is about $443,820, down 2.5% year-over-year, but homes still go pending in just 23 days.
Population growth, job creation, and universities keep local housing demand strong, even as inventory rises.

And here’s a telling story: even a Zillow economist, armed with all the data, lost multiple bidding wars before finally securing a home in Raleigh. If the experts struggle, you know this market requires a smart strategy.

What Rising Inventory Means for All Homeuyers

First-Time Buyers

More homes = less stress.
Negotiating power = lower upfront costs.
Incentives = easier entry into homeownership.

Move-Up Buyers

Selling? Your home is still in demand.
Buying? You’ll finally have real options without constant bidding wars.

Investors

Rents continue to climb (31% nationally over five years), while mortgage payments stay fixed.
New inventory creates opportunities in Raleigh’s fastest-growing neighborhoods.

The Fiduciary Advantage with Martini Mortgage Group

At Martini Mortgage Group, we don’t chase the lowest rate. We focus on delivering the lowest cost of borrowing over time. That means:

Structuring builder incentives to your advantage.
Guiding first-time buyers with clarity.
Helping move-up buyers balance selling and buying with less stress.
Giving every client the fiduciary-first advice they deserve.

This is how we’ve helped Raleigh families build generational wealth since 2006.

What You Should Do Next

If you’ve been waiting for the “perfect” time, this is it. Rising inventory has opened a window of opportunity, but Raleigh’s growth means it won’t last forever.

Connect with us at Martini Mortgage Group to schedule a complimentary strategy call and map out your next steps.
Work with a trusted Raleigh mortgage lender who protects your family’s financial future.

FAQs on What Rising Inventory Means for All Buyers

What does rising inventory mean in Raleigh?
It means more choices and better negotiating power. A Raleigh Mortgage Broker can help you make the most of it.

Will prices drop in Raleigh as inventory rises?
Not significantly. Demand from Raleigh’s strong job and population growth supports stable values.

Is now a good time to buy in Raleigh?
Yes. Buyers finally have leverage, but Raleigh’s growth ensures competition remains strong.

How does Martini Mortgage Group help buyers with inventory shifts?
We use a fiduciary approach to secure the lowest cost of borrowing while leveraging builder incentives and market opportunities.

Why does Raleigh differ from the national housing picture?
While national inventory rises, Raleigh’s rapid growth keeps local demand high.

How does rising inventory affect first-time buyers?
It creates less competition, more negotiating power, and more opportunities to secure the right home.

What’s the best way to prepare for buying in Raleigh right now?
Get preapproved early, have a financing strategy, and partner with a Raleigh Mortgage Broker who understands both local and national trends.