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% or 5% down payment assistance (DPA) is forgivable (DPA based on full loan amount, not sales price)
  • No mandatory investment
  • Income Limits apply
  • Reduced documentation
  • Sales price limits are subject to Conventional, FHA, VA, or USDA limits
  • Primary residence only - SF, Townhouse, Condo, Modular, Duplex, New Manufactured Homes only not existing
  • 640 minimum credit score / 43% max DTI (This is firm, no exceptions)
  • All loans must be fully AUS Approved/Eligible and insurable
  • Now available on Conventional Loans - Special Reduced PMI Rates



We also offer the following type loans:

  • Commercial Loans
  • Construction/Perm- FHA Manufactured - 680 Credit
  • Modular/Manufactured Home FHA or Conventional
  • FHA Options for 580 Credit Score
  • Manual Underwrite
  • VA 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

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