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Homebuyers sectionHome Buyers

What we offer

Can I qualify?

Am I eligible?

Income and sales price limits

Not a first-time home buyer?

Participating lenders

Preferred Loan Officers

How do I begin?

Preferred Real Estate Professionals

Navigating the loan process

What if I sell my house?

Tips for home buyers

Housing counseling resources

Avoiding predatory lending

What happens after closing?

Homeowners sectionHomeowners

Renters sectionRenters

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Resources

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How Much Can I Afford

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Income Limits
FirstHome Mortgage
Down Payment Assistance
MCC

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en espaņol

Home Buyers

If you are dreaming of buying your first home, but not sure you can afford it, a low-interest mortgage and downpayment assistance may be just the help you need. The North Carolina Housing Finance Agency helps make home ownership affordable for first-time buyers by selling tax-exempt Mortgage Revenue Bonds and issuing Mortgage Credit Certificates (MCC) under federal authority. Mortgages are available through nearly 700 North Carolina lenders and their branches.

The links to the left under Home

Buyers will help you learn about our programs and find participating lenders. You will also find valuable information about home buying, the loan process, and what happens after closing.

       For Your First Home:

6.125%

for a 30-year, fixed-rate conventional mortgage with a 90-day lock in.


More Interest Rates...

       What's New @ NCHFA

Facing Foreclosure?
If you are facing foreclosure, you still may have some options for saving your home.
Learn More...

NC gets grant for housing counseling

2007 housing report

Jobs available

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North Carolina Housing Finance Agency   |   3508 Bush Street   |   Raleigh, NC 27609   |   919-877-5700  |   terms of use/privacy