Skip to main content

Need Options for Your Clients? We Can Help!

The North Carolina Housing Finance Agency offers unique mortgage products to give home buyers the boost they need to buy their first home or move up to a one. 

Our products include the NC Home Advantage Mortgage™ which offers competitive rates and down payment assistance up to 5% of the loan amount for first-time and move-up buyers. We also offer a special down payment option for eligible first-time buyers and military veterans of up to $8,000 with the NC 1st Home Advantage Down Payment. Or first-time buyers and military veterans may be eligible for the NC Home Advantage Tax Credit, which provides up to $2,000 a year in federal tax savings for buyers who apply and are approved by us for a Mortgage Credit Certificate (MCC) prior to their home purchase.

Learn more below to see how we can help you reach more customers and increase your business. 

 

NC Home Advantage Mortgage™

Our participating lenders are able to offer the NC Home Advantage Mortgage™ with down payment assistance to eligible first-time and move-up home buyers. 

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. 

streetscape of homes

NC Home Advantage Tax Credit

Participating lenders can offer the NC Home Advantage Tax Credit, which allows eligible first-time buyers and military veterans to reduce their federal income tax by up to $2,000 a year if they apply and are approved by us for a Mortgage Credit Certificate (MCC) prior to their home purchase.