North Carolina Housing Finance Agency Options:

  • MCC Tax Credit
  • New Home Advantage Program: DPA (Down Payment Assistance)

N.C. Home Advantage Mortgage Program Highlights:

  • Borrowers no longer have to be first-time home buyers (Move up buyers can get DPA too!)
  • 3% down payment assistance (DPA) is forgivable (3% based on full loan amount, not sales price)
  • No $1,000 mandatory investment - Borrower has to put .50 into the transaction
  • $85,000 statewide income limit (Based upon 1003/AUS), NOT household income
  • Reduced documentation
  • No sales price limits (Subject to FHA, VA, or USDA limits of course)
  • Primary residence only - SF, Townhouse, Condo, Modular, Duplex, New Manufactured Homes only not existing
  • 640 minimum credit score / 45% max DTI (This is firm, no exceptions)
  • All loans must be fully AUS Approved/Eligible and insurable
  • Now available on Conventional Loans - 2% towards Down Payment with Special Reduced PMI Rates

We also offer the following type loans:

  • City of Raleigh 2nd Mortgages (up to $20,000)
  • Commercial Loans
  • Construction/Perm- FHA Manufactured - 680 Credit
  • Modular/Manufactured Home FHA 3.5% Down - 640 Credit
  • FHA/VA Options for 600 Credit Score
  • USDA 640 Credit Score
  • Reverse Mortgage Loan
  • 203K Rehab
  • EEM - Energy Efficient Mortgage Options
  • Harp /Streamline Refinances
  • Financing available for vacation homes and rental property


For more information contact Natalya or her team at: 919-614-0388

Special Financing Options/ Loan Programs Request

Please complete this form to get more information about the Special Financing Options and Loan Programs available in NC. Natalya or someone on her team will get back to you soon.

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