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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 (660 minimum score for manufactured homes).
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.
For Your Home:
For a 30-year fixed rate (minimum 60-day lock-in) without NCHFA down payment assistance funds.
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