What a 24% Surge in Listings Means for You
North Carolina’s housing market is making national headlines. In July 2025, the state saw a staggering 24.4% increase in active home listings compared to the previous year. With more than 67,000 homes on the market, buyers now have a unique edge. This shift marks a critical moment for mortgage applicants. LBC Capital is here to help you navigate this favorable market with expert guidance, competitive loan solutions, and a deep understanding of local trends.
More Inventory, More Choice
The surge in listings means buyers now have access to a much larger pool of homes. Whether you’re a first-time buyer or looking to upgrade, more inventory translates to better chances of finding a property that meets your needs. Instead of rushing into a decision, you can take the time to compare homes, neighborhoods, and amenities. LBC Capital ensures that you have the financial clarity and pre-approval in hand to make your move when the time is right.
The Shift from a Seller’s Market
Over the past few years, buyers have struggled through a highly competitive seller’s market, often facing bidding wars and making offers well over asking price. The current surge in listings marks a turning point. North Carolina is transitioning into a more balanced market, where buyers have stronger negotiating power. LBC Capital leverages this shift by helping you structure your offer strategically, giving you a better chance at closing under favorable terms.
Strength in Negotiation and Timing
Sellers Are Willing to Deal
With more homes competing for attention, sellers are more open to negotiation. You may be able to secure a home below the listing price or ask for seller concessions like closing cost coverage, repairs, or a longer move-in timeline. LBC Capital provides the market insight and loan flexibility to help you take full advantage of these possibilities.
Less Pressure, Smoother Approvals
In high-pressure markets, mortgage approvals often get delayed due to overwhelming demand. With buyer competition easing, lenders and underwriters can process loans more efficiently. This means fewer delays, more consistent communication, and a smoother overall experience. LBC Capital maintains fast turnaround times, so you stay in control from pre-approval to closing.
Mortgage Rates and Market Balance
Navigating Higher Interest Rates
While interest rates have risen compared to historic lows in recent years, the expanded inventory helps balance the overall cost of buying a home. Home prices in North Carolina have remained relatively steady, increasing by only 1 to 1.5% year-over-year as of July 2025. That stability, combined with more listings, allows buyers to shop smarter. LBC Capital helps you explore rate lock options, discount points, and custom loan programs to keep your monthly payments manageable.
Timing Is on Your Side
When inventory is up and prices stabilize, timing becomes a powerful tool. You’re not forced to make split-second decisions or waive inspections just to compete. LBC Capital ensures that you’re financially prepared to act decisively when the right home becomes available, but also allows you the space to make informed decisions.
Local Expertise Across North Carolina
Regional Markets Offer Unique Opportunities
From the tech-driven growth of Raleigh to the cultural appeal of Asheville and the job market in Charlotte, North Carolina’s cities each offer distinct benefits. LBC Capital’s team understands the nuances of each regional market. We provide localized advice to help you identify communities with strong investment potential, excellent schools, or future development plans.
Matching Mortgage Solutions to Local Trends
Each market has its own pricing trends, property types, and lending challenges. Whether you’re targeting a new build in Durham or a historic property in Wilmington, LBC Capital matches you with the right loan product. We consider factors like property taxes, insurance rates, and HOA fees to ensure your mortgage fits your long-term budget.
Why LBC Capital Is Your Advantage in a Changing Market
Personal Guidance from Start to Finish
At LBC Capital, we don’t just process loans—we partner with you throughout the homebuying journey. Our team listens to your needs and offers solutions that align with your goals. We simplify complex mortgage terms and processes, so you stay informed and confident every step of the way.
Competitive Rates and Customized Options
LBC Capital provides access to a wide range of mortgage products, from fixed-rate and adjustable-rate loans to FHA, VA, and jumbo mortgages. We tailor each loan to your financial profile and long-term plans. With competitive rates and transparent terms, you can make decisions that benefit you now and in the future.
Pre-Approval That Strengthens Your Offer
In a market where buyers still need to act quickly, a strong pre-approval can make the difference. LBC Capital delivers pre-approvals that are backed by thorough financial assessments, giving sellers confidence in your offer. You gain a competitive edge while staying within your budget.
Looking Ahead: Seize the Moment
The 24.4% increase in active listings across North Carolina isn’t just a statistic—it’s a signal. The housing market is shifting, and buyers who act now stand to benefit the most. With more inventory, stable prices, and reduced competition, this is one of the best windows in recent years to purchase a home.
LBC Capital is ready to help you seize this opportunity. Our team brings deep industry expertise, personalized service, and unmatched local knowledge to ensure you make the most of the current market conditions. Contact LBC Capital today to start your journey toward homeownership in North Carolina—before the window closes.