Lenders & Servicers

- What we offer

Our programs

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Income Limits
First-Time Home Buyer
Down Payment Assistance
MCC

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