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Over the past four decades, the North Carolina Housing Finance Agency has financed more than 240,000 affordable homes and apartments in North Carolina. A self-supporting public agency, our mission is to create affordable housing opportunities for North Carolinians whose needs are not met by the market. We accomplish this goal by providing financing through the sale of mortgage-backed securities and tax-exempt bonds and the management of federal tax credit programs, the federal HOME program, the state Housing Trust Fund and others. Using these sources of funding, the Agency provides low-cost mortgages and down payment assistance for home buyers and financing that helps local governments, nonprofits and private owners develop affordable homes and apartments.