At the North Carolina Housing Finance Agency, we are dedicated to providing home buyers with safe, stable mortgages 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 and military veterans may also qualify for the NC Home Advantage Tax Credit, which can save them up to $2000 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 nearly 110,000 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!