The North Carolina Housing Finance Agency works with participating lenders, including 700 branch offices across the state, to provide affordable mortgage financing to first-time and move-up home buyers.
We help make home ownership affordable for qualified home buyers by offering competitive financing and down payment assistance, including the issuance of Mortgage Credit Certificates (MCCs)
to first-time buyers under federal authority. MCCs offer an eligible buyer a federal tax credit of up to $2,000 a year for every year the borrower stays in the home.
Participating lenders are licensed and trained banks and mortgage companies that earn modest fees for originating our mortgages. We could not accomplish our mission without the lenders who work with us.
Whether you are already a participating lender or are a newcomer to our programs, the links to the left under Lenders & Servicers may help you increase your loan volume to customers who may be otherwise shut out of the housing market.
For Your Home:
For a 30-year fixed rate (minimum 60-day lock-in) without NCHFA down payment assistance funds.
Buying a home? A preferred real estate agent can help Our preferred real estate agents have in-depth knowledge of our mortgage programs and can help you determine which might be best for you. Learn More...