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Good news for and repeat buyers in North Carolina: The state offers a loan program that comes with down payment assistance.
The North Carolina Housing Finance Agency, or NCHFA, has a program called NC Home Advantage Mortgage, which combines affordable, fixed-rate loans with down payment assistance. Even better: Borrowers may not have to pay back the down payment help if they own the home long enough.
If you live in North Carolina, NCHFA programs offer unique benefits that could help you buy a house sooner.
Visit the NCHFA's for the NC Home Advantage Mortgage. This page has a link to a lender lookup tool and a way to find a real estate agent who has worked with program participants in the past.
If you're interested in the Community Partners Loan Pool, visit NCHFA's and select "Community Partners Loan Pool" without selecting a county (leave that pull-down set to "Any"). You'll see a list of partners and the counties they serve. If you're interested in the Self-Help Loan Pool, visit NCHFA's and select your county and the "Self-Help Loan Pool" program to see what's available.
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