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FirstHome Mortgage
$8,000 Downpayment Assistance
$4,000 Downpayment Assistance
MCC


What We Offer

The North Carolina Housing Finance Agency provides mortgages at interest rates that are competitive with market rates to first-time home buyers. 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:

  • Competitive rates, sometimes 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 3.5% down.
  • Downpayment/closing cost assistance up to $8,000 for buyers with lower incomes.
  • Mortgage Credit Certificates (MCCs) that can reduce homeowners’ tax liability by as much as $2,000 per year. The MCC can be combined with the new $8,000 federal tax credit if you are eligible until that credit expires in December 2009.

Our programs
Services for lenders

       For Your First Home:

4.95%

for a 30-year, fixed-rate mortgage (90-day lock in) without NCHFA downpayment assistance.


More Interest Rates...

       What's New @ NCHFA

Housing NC Award Winners Announced
Five affordable housing developments received Housing North Carolina Awards on Nov. 3 during the N.C. Affordable Housing Conference at the Raleigh Convention Center.
Learn More...

Help Purchasing Foreclosed Properties

NC Receives $95 Million for Affordable Apartments

Home Protection Program Could Save Your Home

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