The mortgage market has been volatile recently due to the global health crisis and mortgage rates can change daily. North Carolina Housing Finance Agency remains open for business to serve home buyers and partners with no interruption to new loan reservations/locks. Our NC Home Advantage Mortgage™ offers 3% down payment assistance (DPA) to help buyers with closing costs for both move-up and first-time buyers, and the NC 1st Home Down Payment offers $8,000 in down payment help for first-time buyers and veterans. The Agency also continues to offer the NC Home Advantage Tax Credit (Mortgage Credit Certificate), worth up to $2,000 annually as a federal tax credit. Our file review and underwriting turn-times for partners are still 48 hours or less, with more than 120 approved participating lenders in our programs. Lenders can find more information on these great products at Need Options for Your Clients? Home buyers can learn more at Buy a Home.