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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 $87,500.
  • 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
  • Condominiums
  • Duplexes*
  • 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. If you are receiving this message within those business hours, the rates are being updated and should be available shortly.

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