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Expand Your Market with Our Mortgage Products

The North Carolina Housing Finance Agency can help home builders reach a wider market of buyers for their new homes. Our NC Home Advantage Mortgage™ offers competitive rates and down payment assistance up to 5 percent of the loan that can make your homes more affordable for potential buyers. First-time buyers (those who haven't owned a home as their principal residence in the past three years) and military veterans with lower incomes may be eligible for the NC 1st Home Advantage Down Payment, which offers $8,000 in down payment help.

Or, your eligible first-time buyers and military veterans may prefer the NC Home Advantage Tax Credit, which offers up to $2,000 a year in federal tax savings for buyers who apply and are approved by us for a Mortgage Credit Certificate prior to their home purchase. Buyers of new construction can take up to 50% of their annual interest paid (capping at $2,000) as a tax credit. 

Our financing options are available through participating lenders statewide and can help you move your inventory.

NC Home Advantage Mortgage™

Our NC Home Advantage Mortgage™ offers down payment assistance up to 5% of the loan amount! First-time and move-up buyers with incomes up to $87,500 are eligible, and 100% financing is available on certain loan types.

NC 1st Home Advantage Down Payment

The NC 1st Home Advantage Down Payment provides eligible first-time home buyers and military veterans with $8,000 in down payment assistance.

NC Home Advantage Tax Credit

The NC Home Advantage Tax Credit allows eligible first-time buyers and military veterans who purchase newly built homes to deduct up to 50 percent of their mortgage interest (up to $2,000) as a federal tax credit each year if they apply and are approved for a Mortgage Credit Certificate prior to their home purchase.