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Interest Rates

The North Carolina Housing Finance Agency helps make home ownership affordable for eligible home buyers in North Carolina—whether buying for the first time or moving up—with competitive financing and forgivable down payment assistance. If you are a first-time home buyer, you may also be eligible for a Mortgage Credit Certificate (MCC).

In addition, persons who buy homes in certain targeted census tracts may be eligible for the MCC program, even if they are not first-time home buyers.

Eligible borrowers apply for the NC Home Advantage Mortgage™ and MCC programs through our Participating Lenders and must meet the requirements of the individual loan type—Conventional, FHA, VA or USDA—in addition to NC Housing Finance Agency guidelines.

To learn more about our NC Home Advantage Mortgage™ and down payment assistance programs, visit our Home Buyer section.

Notice: Rates are subject to change without notification

  • All loans are 30-year, fixed-rate with 0 discount points
  • APR is calculated using $123,000 loan amount, 1% origination fee*, 1 day’s interim interest
  • Lock-in Period is the number of days rate will not change after lock-in
  • DPA is down payment assistance from NCHFA

{ * Origination fees are not required on NC Housing loans. The actual APR charged by your lender will vary and is based on a number of factors, including the actual loan amount, mortgage insurance premiums, loan type, fees, and other costs specific to that lender and your loan criteria. Only a participating lender can quote actual APRs.   Examples above are for APR illustration only. }