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What We Offer

The North Carolina Housing Finance Agency provides below-market mortgages for first-time home buyers with low to moderate incomes. By partnering with us, you may be able to:

  • Increase your business by making loans to North Carolinians whose finances have kept them out of the market.
  • Meet requirements of the Community Reinvestment Act.
  • Earn fees for the mortgages you originate.

We sell tax-exempt Mortgage Revenue Bonds (MRBs) to investors and use the funds to finance low-cost mortgages for first-time home buyers.

By using our programs, you may be able to offer first-time home buyers:

  • Rates one-half to one percentage point below market, on 30-year, fixed-rate loans.
  • 100% financing on VA and USDA loans; FHA and conventional loans with 3% down.
  • Downpayment/closing cost assistance up to $7,000 for buyers with lower incomes.
  • Job loss protection for eligible borrowers.
  • Mortgage Credit Certificates (MCCs) that can reduce homeowners’ tax liability by as much as $2,000 per year.

Our programs
Services for lenders

       For Your First Home:

6.125%

for a 30-year, fixed-rate conventional mortgage with a 90-day lock in.


More Interest Rates...

       What's New @ NCHFA

Facing Foreclosure?
If you are facing foreclosure, you still may have some options for saving your home.
Learn More...

NC gets grant for housing counseling

2007 housing report

Jobs available

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