Home Buyers, Homeowners, Renters & Special Needs

The North Carolina Housing Finance Agency offers programs to assist home buyers; helps governments, nonprofit groups and private developers create affordable homes, apartments and supportive housing; and provides funding for rehabilitation and repair for low-income homeowners through local groups.

So whether you are trying to buy a home, maintain and keep the home you have, or find an affordable apartment, we may be able to help.

Home Buyers

If you need help buying your first

home – or moving up to a new one – our N.C. Home Advantage Mortgage™ offers competitive interest rates and down payment assistance that may make the difference. You may be eligible if your qualifying annual income is $85,000 or less.  In addition, if you are a first-time home buyer, you may be eligible to qualify for a Mortgage Credit Certificate (MCC) which can reduce your federal income taxes up to $2,000 per year for every year you live in your new home! Learn how we might open the door to a new home.

Homeowners

If you have already purchased a home using one of our mortgages, we can answer any questions you may have about your loan.  This section also includes information on housing rehabilitation and repair programs available through local groups and tips on how to maintain your home. Learn how you can protect your investment in your home.

Renters

If you are seeking affordable, accessible or supportive rental housing, we can provide some guidance on locating an apartment that will meet your needs. Or, if you are looking to trade your rental in for your own home, we can help you on the path to home ownership. Learn more about your options as a renter.

Special Needs

If you are seeking affordable housing that offers accessibility options or supportive services, the North Carolina Housing Finance Agency may be able to help. Learn more about affordable rental and supportive housing opportunities for people with disabilities, how to locate supportive services in your area, home repair and rehabilitation, and property tax relief that may be available to you and your family.