Skip to main content

Buying a Home? We Can Help!

At the North Carolina Housing Finance Agency, we have assisted thousands of North Carolinians in purchasing homes. We offer an array of financing options to make buying a new home affordable. Our products include the NC Home Advantage Mortgage™, which offers down payment assistance up to 5% of the loan amount. And if you are a first-time home buyer or a military veteran, you may be able to boost your savings with a Mortgage Credit Certificate that can save you up to $2,000 on your income taxes every year!

Review your options below to see how our mortgage products may benefit you for your largest investment. Also, check out our interest rates and mortgage calculators by clicking the links to the left to see what your savings might be. 

If you discover you're not quite ready to buy a home but still need an affordable place to live, click on Find Rental Housing at left to see what is available in North Carolina. 

But if you've reviewed your options, run your numbers and believe now is the time to become a homeowner, we work with preferred real estate agents and participating lenders across the state—all trained on our mortgage products—who can help you find the home of your dreams using our financing options. Search the links at left to find our partners in your area.

If you're thinking about buying a home but want to get informed before you do, we can help! Our new Guide to Home Ownership game can help you understand the ins and outs of home buying so you can make the right decisions for you. Click the image below to access the game. Happy house hunting!

Guide to Home Ownership Game

NC Home Advantage Mortgage™

Do you need down payment assistance? The NC Home Advantage Mortgage™ offers up to 5% of the loan amount to purchase your new home!

Mortgage Credit Certificate (MCC)

If you're a first-time home buyer or a military veteran, you may be able to save up to $2,000 a year on your federal income taxes with a Mortgage Credit Certificate! What does that mean for you? More money in your pocket to use toward your mortgage!

$15,000 Special Down Payment Assistance

If you are buying a home in Cabarrus, Cumberland, Guilford, Johnston or Mecklenburg Counties, you may be eligible for $15,000 in down payment assistance for a limited time when you purchase a previously-owned home using an NC Home Advantage Mortgage™.