Home Buyers

- What we offer

- Am I eligible?

- Income and sales price limits

- Not a first-time home buyer?

- Participating lenders

Preferred Loan Officers

- How do I begin?

- Preferred Real Estate Professionals

- Navigating the loan process

- What if I sell my house?

- Buying a foreclosed property?

- 2009 home buyer tax credit

- Real Estate Owned properties for sale

- Tips for home buyers

- Housing counseling resources

- Avoiding predatory lending

- What happens after closing?

Homeowners

Renters

Special Needs

Resources

Calculators
Mortgage Calculator
How Much Can I Afford

Housing Locators
Affordable Apartments
Housing Resources

Income Limits
FirstHome Mortgage
$8,000 Downpayment Assistance
$4,000 Downpayment Assistance
MCC

Downloadable Brochures
Let's Make Home Happen

Save Up To $2,000 a Year on Your Income Taxes

You May Qualify for $14,900 in Downpayment Assistance

How Do I Begin?

Congratulations on your decision to purchase your first home! The North Carolina Housing Finance Agency is here to assist you every step of the way on the path to home ownership.

To get started, consider some of the steps below:

• Contact a participating lender to determine the maximum mortgage amount you can afford using the N.C. Housing Finance Agency's FirstHome Mortgage.
  
  
• Find a home that suits your needs and that meets the program's requirements. A real estate agent can help you find a home and negotiate the contract. Our Preferred Real Estate Professionals are licensed agents who have taken our "Financing Dreams" class and are familiar with FirstHome Mortgage.
  
  
• Apply for the mortgage at a participating lender.
  
  
• Also, see our "Tips for Home Buyers.”

Owning your own home does not have to be a dream. Since 1973, we have helped 80,000 people buy their first homes — teachers, technicians, salespeople, construction workers, cooks and firefighters. We may be able to help you.