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The North Carolina Housing Finance Agency helps make home ownership affordable for eligible home buyers – whether buying for the first time or moving up – with the N.C. Home Advantage Mortgage™, which offers competitive financing and forgivable down payment assistance. First-time home buyers may also qualify for a Mortgage Credit Certificate, which can reduce your federal taxes by up to $2,000 for every year you live in your home.

The links to the left under Home Buyers will help you learn about our programs and find participating lenders.

Home Buyers

 

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.
Learn More...

SFR/URP Funding Apps Due Jan. 26

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