Home is for everyone.

We’re helping make home ownership a possibility for North Carolinians.

The NC Housing Finance Agency has helped over 133,000 North Carolinians in purchasing homes because we believe that home is for everyone.

We offer an array of financing options to make home buying affordable for North Carolinians, especially first-time home buyers and military veterans. See how we can help you become a homeowner!

Not sure where to start on your home buying journey?

There’s a lot to know when it comes to buying your first home, but the NC Housing Finance Agency is here for you every step of the way. Our free Guide to Home Ownership will walk you through every step of the process, showing you how to make the home buying process as easy, efficient and exciting as possible.

Our Guide To Home Ownership

Home Buyer Mortgage Products

Learn more about our array of financing options to make buying a new home affordable or see if you’re eligible for support.

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NC 1^st Home Advantage Down Payment

If you are a first-time home buyer or eligible military veteran and qualify for an NC Home Advantage Mortgage™, you may be eligible for $15,000 in down payment assistance with the NC 1^st Home Advantage Down Payment.

Learn More

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NC Home Advantage Mortgage™

Do you need home-buying assistance? It is our goal to make it simpler by offering affordable mortgage options for first-time and move-up buyers as well as eligible military veterans. The NC Home Advantage Mortgage™ offers up to 3% of the loan amount to purchase your new home and can be structured as an FHA, VA, USDA, or conventional loan.

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Ready to Buy A Home?

The first step is made easier with The NC Housing Finance Agency. Search our robust database of lenders across North Carolina to help you start the home buying process.

Find a Lender

Home Buying FAQs

Is it better to buy or rent?

Buying instead of renting might be the best option for you if you like:

Fixed monthly payments
Tax deductions
Opportunity to build equity

What are some home buying tips for military veterans?

Aside from checking your credit score and finding a real estate agent, we have a list of helpful resources for our military veterans who want to buy a home.

How much can I afford?

View our home affordability calculator here!

What is an interest rate?

The interest rate is the amount charged on top of the principal (the original sum of money borrowed on the loan) by a lender to a borrower for the loan. Lenders determine interest rates based on factors within your control, such as credit score and your debt-to-income ratio, as well as on some outside your control such as the state of the economy.

What is an annual percentage rate (APR)?

This is the yearly cost of credit, expressed as a percentage. It calculates the amount of interest you’ll pay on your total loan each year. Typically, a lower APR means a lower monthly mortgage payment.

What are closing costs?

Closing costs are the costs outside a property’s sales price that must be paid to cover the cost of the transaction. These costs include loan origination fees, discount points, insurance fees, survey fees, attorney’s fees, and more. Closing costs are typically negotiable, so make sure you do your research and advocate for yourself!

Being able to get a loan always seemed like an insurmountable obstacle. With the NC Housing Finance Agency, I was able to realize my goal of owning a home and not renting. And the whole process was stress-free!
– JOE P., HOME BUYER, NC