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Become a Participating Lender

Becoming a participating lender with the NC Housing Finance Agency not only benefits you and your company, but also provides resources to help your home buyers secure their dream of home ownership.


  • Increase your business by making loans to North Carolina residents whose finances may have kept them out of the housing market.
  • Earn fees for the mortgages you originate.
  • Generate referral business and help strengthen your local community.
  • Meet requirements set by the Community Reinvestment Act.


  • Have the appropriate approvals to originate the loan type you plan to offer, whether FHA, VA, USDA or conventional.
  • Have a physical office located in North Carolina that has originated mortgages for at least one year. If you haven’t been in the state for a full year, then you must have originated loans in North Carolina for at least six months and be in good standing with your previous state’s housing finance agency.
  • Originate, process, underwrite, close and fund loans in your own name.
  • Must be able to retain/manage 30-90 days of interim servicing of closed loans prior to purchase by our Master Servicer.
  • Be compliant with federal and state banking laws pertaining to minimum capital requirements and regulations.
  • Have not violated any federal banking regulations and not be undergoing any enforcement proceedings of any legal level.
  • Have company net assets of at least $1 million.
  • Be approved by our Agency and our Master Servicer, and execute a Mortgage Origination Agreement with both.
  • Pay an initial application fee of $600, and an annual recertification fee of $375.
  • Complete a lender training session with Agency staff.
  • Any lender not closing a minimum of 10 loans annually is subject to termination from the program. 

If you believe you’re eligible to participate in our programs, complete a preliminary application to become a participating lender. Once you’ve submitted it, our team will review it within 10 days and respond accordingly.

Submit an Application Today