Buying a home is one of the most important purchases you can make, and it can also be one of the most confusing. We are here to help. Here at the NC Housing Finance Agency, we strive to make home buying as simple as possible, and provide important information and resources that you need to make solid financial decisions. We offer infographics, ebooks, home ownership calculators, videos, blogs and more to help you make the best decisions for you and your future as a homeowner.
The NC Housing Finance Agency provides general resources to help home buyers get the information they need to make quality financial decisions.
NC Home Advantage Mortgage™ Resources
The NC Home Advantage Mortgage™ can help make home ownership affordable for you. With forgivable down payment assistance of up to 5% of the loan amount, competitive interest rates and more, the NC Home Advantage Mortgage™ might just be the boost you need to become a homeowner.
NC Home Advantage Mortgage™ 101 (Video)
Think Buying a Home is Out of Reach? Get the Advantage! (English flier)
Piensa que comprar una casa esta fuera de sus posibilidates? Tome ventaja! (Spanish flier)
Mortgage Credit Certificate Resources
The Mortgage Credit Certificate (MCC) is a great tool to help make home ownership affordable for you. The MCC allows eligible buyers to take a federal tax credit of 30% of the mortgage paid annually, which means more money in your pocket to help you afford your mortgage! In all, the MCC can help you save up to $2,000 each year that you occupy your new home.
Mortgage Credit Certificate 101 (Video)
Buying Your First Home? Save Up to $2,000 Per Year on Your Income Taxes (English flier)
Está por comprar su primera vivienda? Ahórrese hasta $2,000 dolares al año en su declaracion de impuestos (Spanish flier)
$15,000 Down Payment Assistance Resources
If you are buying a home in Cabarrus, Cumberland, Guilford, Johnston or Mecklenburg Counties, you may qualify for $15,000 in down payment help in the form of a deferred, forgivable five-year loan at zero interest!
This flier explains the purpose and process of recapture—a tax that could be due if you, using a Mortgage Credit Certificate, sell your home within nine years, realize a profit and have a significant gain in household income.