Purchasing a home can be overwhelming and complicated. It is our goal to make it simpler by offering affordable mortgage options and connecting you with experienced home buying partners. For both first-time and move-up home buyers, our NC Home Advantage Mortgage™ provides qualified individuals with stable, fixed-rate mortgages and down payment assistance up to 5% of the loan amount. Even better, repayment of the down payment is required only if you sell, refinance or transfer your home before year 15—the down payment assistance is forgiven at 20% per year after 10 years in the home. As an added bonus, if you are a first-time buyer or a military veteran, you may also be eligible to combine this program with a Mortgage Credit Certificate (MCC) to increase your savings even more! We offer these products statewide through participating lenders.