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Buying a Home in North Carolina?

At the North Carolina Housing Finance Agency, we are dedicated to providing home buyers with safe, stable mortgages and down payment help that make home ownership affordable. Our NC Home Advantage Mortgage™ offers down payment assistance up to 5% of the loan amount that can help first-time and move-up buyers get into a new home.

First-time buyers (those who have not owned a home as their principal residence in the past three years) and military veterans may be eligible for other products as well. The NC 1st Home Advantage Down Payment offers $8,000 in down payment help that may provide a better boost for new buyers than the other down payment options available with the NC Home Advantage Mortgage™. Or, these buyers may qualify for the NC Home Advantage Tax Credit, which can save them up to $2,000 a year on their federal tax liability with a Mortgage Credit Certificate. 

As a public agency with a mission to create housing opportunities for North Carolinians, we have helped more than 126,000 home buyers. Whether you are a first-time home buyer or a current homeowner looking to move up, we may be able to help you, too! 

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Buy a Home

If you are planning to buy a home, the first step in this exciting journey is to review your options to see which mortgage product may be best for you!

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Find a Lender

Finding a lender that offers our products and meets your needs is easy. Browse our list of participating lenders to find the partner that’s right for you!

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Find a Real Estate Agent

We have trained thousands of North Carolina real estate agents on our mortgages. Let one help you find the best options for the home of your dreams!

  • Q:

    How long does it normally take to close a loan?


    A normal closing period is around 45 days.

  • Q:

    How do I apply for an NC Home Advantage Mortgage™?


    We offer financing options through participating lenders statewide. Get started with our searchable lender database