Services for Lenders
Business benefits
Fee income
Online resources
Online rate lock
QuickClose
Training
Business benefits
The North Carolina Housing Finance Agency presents a number of options that can help you not only increase your loan volume to first-time home buyers but to save time and realize some monetary benefits in doing so.
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Fee income
You keep the origination fee (maximum 1%) for any loans you originate for our programs. In addition, you also receive $250 for any loans you originate that include the Agency’s downpayment assistance. The servicing premium is negotiated between you and the servicer.
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Online resources
Our guides and brochures are available as Adobe Acrobat PDFs. If you don’t have the Adobe Acrobat Reader, you can download it free of charge from Adobe.
You can also order supplies and printed copies of our guides and brochures using the "Order Supplies" link at the bottom of the column to the left.
Online Lender Services
Use our online system to submit loan reservations, lock in interest rates, and check the status of your loans. You can also download loan forms pre-filled with information you entered when you made the loan reservation.
Download the User Guide.
Go to Online Lender Services System.
Program guides
These guides have all the details about our programs, from eligibility guidelines for buyers, property, and lenders to all the forms and worksheets you’ll need to process and close a loan.
Mortgage Revenue Bond (MRB) Originator's Guide
Mortgage Credit Certificate (MCC) Program Originator's Guide
Servicing Guide
This is an invaluable resource if your company will be servicing the Agency’s loans. Information includes record-keeping requirements, what to do about bankruptcies, and procedures for liquidation.
Download the Servicing Guide
Marketing brochures
Marketing brochures, available in English and Spanish, will help your clients understand our programs. You can download the pieces below in PDF format.
Dreaming of Your First Home? (English) or Dreaming of Your First Home? (Spanish).
This half-page flyer can help lenders market the FirstHome Mortgage. It gives a quick overview of the programs available to first-time home buyers, along with income and sales price limits.
Your first home. Think it’s a dream? (English) or Your first home. Think it’s a dream? (Spanish).
This brochure is a thorough explanation for home buyers of our FirstHome Mortgage, downpayment assistance, Job Loss Feature and Mortgage Certificate Credits. Written in easy-to-understand language, it tells prospective home buyers about eligibility, qualifying incomes and home prices, recapture, and much more.
For Sale: What Recapture Means for You (English) or For Sale: What Recapture Means for You (Spanish).
This brochure explains the purpose and the process of recapture and also answers some frequently asked questions. Again, this piece is written with the home buyer in mind, so the language is clear and understandable.
Forms and applications
See a comprehensive list of all the forms and applications associated with our programs. You can also access these forms in the Online Lender Services system, where they will be pre-filled with information you’ve already entered to save you valuable time.
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Online rate lock
Using our Online Lender Services, you can lock in interest rates for 90 or 150 days, 24 hours a day, seven days a week.
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QuickClose
Lenders who qualify for our QuickClose process may close loans without prior approval from the Agency (i.e., no waiting period for the Conditional Commitment). To qualify, a lender must have closed at least 15 loans within the 12 months prior to applying for QuickClose status. The lender’s underwriter must meet certain criteria and complete training for QuickClose.
For further information, see Section 4.3 of the Mortgage Revenue Bond (MRB) Originator's guide.
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Lenders & Servicers
Home Builders
