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

2009 Home Buyer Tax Credit

The $8,000 federal tax credit for first-time home buyers that is in the American Economic Recovery and Reinvestment Act of 2009 can be used in combination with the N.C. Housing Finance Agency’s Mortgage Credit Certificate (MCC). The MCC allows eligible buyers to take a tax credit of 20 percent of the mortgage interest you pay annually. It can save you up to $2,000 each year that you occupy your home.

The $8,000 tax credit is available to eligible first-time home buyers who purchase their home by December 1, 2009. For more information about it and how it may be used in conjunction with the MCC, consult your lender.