Real Estate Agents

By working with the North Carolina Housing Finance Agency, real estate agents throughout the state can provide their clients with affordable financing options for purchasing a home. We offer a variety of mortgage products that open new doors for home buyers whose finances have kept them out of the market. Earn CE toward your license and become a preferred real estate agent by taking one of our Financing Dreams classes. The more transactions you have using our programs, the higher up you will be ranked on our Find a Real Estate Agent tool, potentially leading to even more client referrals. We also offer informational brochures and access to our participating lenders to help you and your buyers get started.

  • NC Home Advantage Mortgage™

    The NC Home Advantage Mortgage™ provides eligible home buyers with down payment assistance up to 3% of the loan amount, competitive interest rates and up to 100% financing on FHA, USDA and VA loans.
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  • NC Home Advantage Tax Credit

    Th NC Home Advantage Tax Credit could mean more money for your eligible first-time buyers and military veterans by reducing their federal income tax liability by up to $2,000 per year with a Mortgage Credit Certificate.
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  • NC 1st Home Advantage Down Payment

    The NC 1st Home Advantage Down Payment provides eligible first-time home buyers and military veterans with $15,000 in down payment assistance.
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  • Community Partners Loan Pool

    The North Carolina Housing Finance Agency provides financing to local governments and nonprofit organizations to build and rehabilitate homes for low-wealth North Carolinians. The Community Partners Loan Pool (CPLP) provides qualified home buyers with down payment assistance:
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How does my customer get an NC Home Advantage Mortgage™ if there aren’t any preferred loan officers or participating lenders in my county?

Loan Officers and lenders approved to work with the Agnecy can offer loans in any county in North Carolina. Your customer is free to contact multiple lenders and select the one that best fits their needs.

Do your mortgage products have income and sales price limits?

The NC Home Advantage Mortgage™ has an income limit of $126,000 statewide but no sales price limit. However, the home price does need to adhere to any limits dictated by the loan type (FHA, VA, USDA, conventional). 

What is the definition of first-time home buyer?

A first-time home buyer is one who has not owned a home as a primary residence within three years of closing on the home they wish to buy now. That means that they may still own other property (a previous residence they have been unable to sell, for example) as long as they have not lived in it within the last three years. Military veterans are also considered first-time home buyers.

Does my customer have to be a first-time buyer to be eligible for the Agency’s mortgage products?

The NC Home Advantage Mortgage™, with or without down payment assistance is available to both first-time and repeat buyers. 

Are there any exceptions to the first-time home buyer rule?

Yes. Military veterans have a one-time exemption from the requirement, and borrowers who own a mobile home that is not on a permanent foundation are also eligible. In addition, borrowers purchasing in a Targeted Census Tract do not have to be first-time buyers. All borrowers must still meet other eligibility requirements.