Lenders & Servicers

- What we offer

Our programs

Benefits of being a participating lender

- Income and sales price limits

- Training

- Top producers

- Mortgage Production Awards

 2011 Awards

- How to become a participating lender

- Loan submission process

- Housing counseling resources

- Information for servicers

- Manuals, forms & affidavits

- Frequently asked questions

- Fair housing

Home Builders

Real Estate Agents

Resources

Online Lender Services

Marketing Brochures

Order Supplies

Lender Tip Sheet
Lender Tip Sheet

Memos
Recapture Tax Reimbursement Provision

Income Limits
FirstHome Mortgage
$8,000 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, 96.5% on FHA loans and 80% financing on conventional loans.
• Downpayment/closing cost assistance up to $8,000 for eligible buyers.
• Mortgage Credit Certificates (MCCs) that can reduce homeowners’ tax liability by as much as $2,000 per year.

Our programs
Benefits of being a participating lender