NC Home Advantage Mortgage™
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Our home buyer programs are only available for homes purchased in North Carolina that will be a primary residence.Back to Mortgage Match
Our NC Home Advantage Mortgage™ is only available for individuals earning less than $87,500. Please note that this is individual not household income.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.
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.See More
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!See More
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.See More