At the North Carolina Housing Finance Agency, we have assisted thousands of North Carolinians in purchasing homes. We offer an array of financing options to make buying a new home affordable. Our products include the NC Home Advantage Mortgage™, which offers down payment assistance up to 5% of the loan amount.
First-time buyers (those who haven't owned a principal residence in the past three years) and military veterans may be eligible for an additional boost from the NC Home Advantage Tax Credit, which saves up to $2,000 in federal taxes each year for buyers who apply and are approved for a Mortgage Credit Certificate prior to their home purchase.
Review your options below to see how our mortgage products may benefit you for your largest investment. Also, check out our interest rates and mortgage calculators by clicking the links to the left to see what your savings might be.
If you discover you're not quite ready to buy a home but still need an affordable place to live, visit the renters section to see what is available in North Carolina.
But if you've reviewed your options, run your numbers and believe now is the time to become a homeowner, we work with preferred real estate agents and participating lenders across the state—all trained on our mortgage products—who can help you find the home of your dreams using our financing options. Search the links at left to find our partners in your area.
If you're thinking about buying a home but want to get informed before you do, we can help! Our new Guide to Home Ownership game can help you understand the ins and outs of home buying so you can make the right decisions for you. Click the image below to access the game. Happy house hunting!