Home 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

Renters

Resources

Calculators
Mortgage Calculator
How Much Can I Afford

Housing Locators
Affordable Apartments
Housing Resources

Income Limits
FirstHome Mortgage
Down Payment Assistance
MCC

Order program brochures

Can I Qualify?

If you are thinking about buying your first home, but are not sure your credit is acceptable, we can help. The North Carolina Housing Finance Agency can review your personal financial and credit information to determine your potential buying power.

To find out how your credit and financial status may impact your eligibility for our FirsHome Mortgage, submit our QuickCheck form for a free, confidential preliminary analysis.

When you submit the signed, completed Quick Check worksheet, NCHFA will obtain a tri-merged in-file credit report from a credit reporting agency. This means we will receive date from all three primary reporting agencies. If the credit report is satisfactory, we will analyze the income reported on the worksheet to determine a maximum loan amount or purchase price. We will notify you by mail and include a list of our participating lenders.

If it appears that your credit history does not meet our guidelines, we also send a letter to you along with a list of approved credit counselors in your area. We will also include a list of our participating lenders and recommend that you contact them for further credit analysis.

In either case, you can get a free copy of your credit report if you request it from the reporting agency within 30 days. In our letter, we provide you with the agency's contact information.

Please note that you are under no obligation to use QuickCheck to apply for our FirstHome Mortgage. You are free to work directly with one of our participating lenders.

There is no better time to start than right now! Even if you're not in a position to purchase a home right now, we want to help prepare you to make that purchase in the future.