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Fall 2009
Income Limits
FirstHome Mortgage
$8,000 Downpayment Assistance
$4,000 Downpayment Assistance
MCC
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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, 96.5% on FHA loans and 80% financing on conventional loans.
- 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.
Our programs
Services for lenders
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For Your First Home:
3.95%
for a 30-year, fixed-rate mortgage (90-day lock in) without NCHFA downpayment assistance.
More Interest Rates...
What's New @ NCHFA
State Foreclosure Help for Unemployed
If you have recently lost your job, the Home Protection Program may be able to help you keep your home.
Learn More...
Treasury Approves Foreclosure Prevention Plan
NC Affordable Housing Conf., Sept. 16-17
Properties for sale
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