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Homeownership Production
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Single-Family Rehabilitation (SFR) Program
If your home needs major repairs and your income is below 80% of the area median income, you may be able to get help from a local organization through our Single-Family Rehabilitation (SFR) Program. We make funds available to local government and nonprofit agencies to facilitate the comprehensive rehabilitation of single-family homes owned and occupied by low-income, elderly or disabled people in their area.
If you qualify, you could receive funds in the form of an interest-free, deferred-forgiven loan, forgiven at $3,000 per year, to pay for the necessary rehabilitation of your home. The local organization providing the loan would contract and supervise the work for you.
If you have questions about the Agency’s SFR program, please call Dick Smith-Overman (919-877-5628), Mike Handley (919-877-5627) or Cal Jordan (919-877-5632).
See a list of organizations and agencies that have participated in the SFR Program.
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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
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