Real Estate Agents

The North Carolina Housing Finance Agency provides low-interest mortgages for first-time home buyers with incomes up to $81,500 (depending on family size and county where home is located). Working with us, real estate agents may be able to help more clients become first-time home buyers.

Clients whose finances have kept them from buying a home may benefit from:

• 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.

You don’t need to learn a new process, because the basic steps for our loans are the same as for any other conventional, FHA, VA, or USDA loan. By educating your clients about the options available to them through the North Carolina Housing Finance Agency, you may be able to help them qualify for an affordable home that meets their needs.

In addition, our QuickClose feature helps speed up the loan process for your client.

Use the links to the left below Real Estate Agents to learn about our programs and how we can help you get more clients into their first homes.