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Sell More Homes with Our Mortgage Products!

If you’re working with clients whose lack of down payment funds has kept them out of the housing market, the North Carolina Housing Finance Agency has mortgage products that can help. We provide mortgages with down payment assistance up to 5% of the loan. We also offer a tax credit that can reduce federal taxes for eligible first-time home buyers and military veterans by up to $2,000 per year. Our mortgage products are offered through participating lenders statewide so that you can easily find a partner in your community to help your buyers. Review our financing options below to learn how we can help you reach more buyers and sell more homes.

NC Home Advantage Mortgage™

The NC Home Advantage Mortgage™ provides eligible home buyers with down payment assistance up to 5% of the loan amount, competitive interest rates and up to 100% financing on FHA, USDA and VA loans.

Mortgage Credit Certificate (MCC)

A Mortgage Credit Certificate (MCC) could mean more money for your first-time buyers (and eligible military veterans) by reducing their federal income tax liability by up to $2,000 per year.

$15,000 Special Down Payment Assistance

Your buyers purchasing previously-occupied homes in Cabarrus, Cumberland, Guilford, Johnston or Mecklenburg Counties may be eligible for $15,000 in forgivable down payment assistance.