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Am I Eligible?
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To be eligible for an N.C. Home Advantage Mortgage™:
- You must buy a new or existing home. Re-financing an existing mortgage does not qualify.
- You must buy a home in North Carolina and occupy it within 60 days of closing.
- Your annual income cannot exceed $85,000.
- You must apply for an FHA, USDA, VA or conventional loan through a Participating Lender.
- You must be a legal resident of the United States.
- Your credit score must be 640 or higher.
Most types of homes qualify for the N.C. Home Advantage Mortgage™.
Eligible properties include:
- New and previously-owned single family homes
- Townhouses and Planned Unit Developments
- Manufactured Homes (only new, never occupied, doublewide or greater manufactured homes on permanent foundations)*
* These property types are only available for FHA, VA and USDA loans, not conventional loans.
Our rates are available on business days from 9:00 AM to 6:00 PM EST.
What's New @ NCHFA
Buying a home? We now offer up to 5% down payment help!
Our N.C. Home Advantage Mortgage? offers competitive rates and down payment help up to 5% of the loan amount.
SFR/URP Funding Apps Due Jan. 26
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