The Guide to Homeownership
NC Home Advantage Mortgage
NC Home Advantage Mortgage

Think home ownership is out of your league?

Think Again.

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Think home ownership is out of your league?

Think Again.

The NC Home Advantage Mortgage™ has helped thousands like you finance their dream home.

Down Payment Assistance Up to 5%

Affordable Mortgage Options

Local Lenders

Are You Eligible?

for the
NC Home Advantage Mortgage

Start

Is your credit score 640 or higher?

It's okay if you are not sure.
Swipe right anyway.

Do you make less than $87,500?

Are you purchasing a home in North Carolina?

Match

It's a Match!

You meet the basic qualifications for an NC Home Advantage Mortgage™ with up to 5% down payment help. Other restrictions may apply.

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Match

We're Sorry!

Our home buyer programs are only available for homes purchased in North Carolina that will be a primary residence.

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Match

We're Sorry!

Our NC Home Advantage Mortgage™ is only available for individuals earning less than $87,500. Please note that this is individual not household income.

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Match

We're Sorry!

If you discover you’re not quite ready to buy a home, we have resources to help get you there. Learn more about getting ready for home ownership at our Home Matters blog

Read Our Home Matters Blog Back to Mortgage Match

At the North Carolina Housing Finance Agency, we are dedicated to providing home buyers with safe, stable mortgages that make home ownership affordable. Purchasing a home can be overwhelming and complicated. It is our goal to make it simpler by offering affordable mortgage options and connecting you with experienced home buying partners.


“I’ll need a huge down payment first.”

The NC Home Advantage Mortgage™ offers down payment assistance up to 5% of the loan amount at zero interest to give you just the boost you need to buy your first home or move up to your next one.

“I don’t understand what credit I need.”

To be eligible for an NC Home Advantage Mortgage™, your credit score must be 640 or higher. Our website features several blog posts on credit issues that may help.

“My income isn’t high enough.”

At the NC Housing Finance Agency, we provide loan products to make home ownership more affordable for North Carolinians.

If a household is ready for home ownership, we believe that now is a great time to buy, and the NC Home Advantage Mortgage™ can make it happen.

Scott Farmer, Executive Director of the North Carolina Housing Finance Agency
Who We Are

Who We Are

The North Carolina Housing Finance Agency is a self-supporting public agency that finances affordable housing opportunities for North Carolinians whose needs are not met by the market. Since its creation in 1973 by the General Assembly, the Agency has financed nearly 255,000 affordable homes and apartments, totaling $19.2 billion.

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Additional Resources for Buying a Home

As a public agency with a mission to create housing opportunities for North Carolinians, we have helped more than 101,000 home buyers. Whether you are a first-time home buyer or a current homeowner looking to move up, we may be able to help you, too!

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Need a Real Estate Agent?

If you’re looking for a new home, we partner with Preferred Real Estate Agents statewide who have completed training on our mortgage products within the past three years.

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