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Homebuyers sectionHome Buyers

What we offer

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?

Buying a foreclosed property?

2009/2010 home buyer tax credit

Real Estate Owned properties for sale

Tips for home buyers

Housing counseling resources

Avoiding predatory lending

What happens after closing?

Homeowners sectionHomeowners

Renters sectionRenters

Special Needs sectionSpecial Needs

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Resources

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How Much Can I Afford

Housing Locators
Affordable Apartments
Housing Resources

Income Limits
FirstHome Mortgage
$8,000 Downpayment Assistance
$4,000 Downpayment Assistance
MCC

Downloadable Brochures
Let's Make Home Happen

Save Up To $2,000 a Year on Your Income Taxes

You May Qualify for $14,900 in Downpayment Assistance


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.

Home Buyers

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:

4.75%

for a 30-year, fixed-rate mortgage (90-day lock in) without NCHFA downpayment assistance.


More Interest Rates...

       What's New @ NCHFA

Buying a Foreclosed Property?
If you are purchasing a foreclosed property, you may be eligible for down payment and closing cost assistance.
Learn More...

NC Affordable Housing Conf., Sept. 16-17

Get tax credit up to 2,000 annually

Properties for sale

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