10 Best NCHFA Mortgage Lenders of 2021
The North Carolina Housing Finance Agency provides mortgage and assistance programs to would-be home buyers. See our top picks for NCHFA lenders.
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The North Carolina Housing Finance Agency, or NCHFA, offers mortgage products and home buyer programs to make homeownership more affordable in the Tar Heel State.
NCHFA loans and assistance are offered through a statewide network of participating lenders, but it’s up to you to select the one you’ll work with. Not sure how to choose? We can help.
To narrow your search, NerdWallet reviewed some NCHFA participating lenders, identifying the best ones across several categories. Compare the lenders below to get started.
The North Carolina Housing Finance Agency, or NCHFA, offers mortgage products and home buyer programs to make homeownership more affordable in the Tar Heel State.
NCHFA loans and assistance are offered through a statewide network of participating lenders, but it’s up to you to select the one you’ll work with. Not sure how to choose? We can help.
To narrow your search, NerdWallet reviewed some NCHFA participating lenders, identifying the best ones across several categories. Compare the lenders below to get started.
Best NCHFA Mortgage Lenders
Lender | NerdWallet rating | Min. credit score | Min. down payment | Learn more |
---|---|---|---|---|
![]() New American Funding: NMLS#6606 Learn more at New American Funding | Best for Spanish speakers | 620 | 3% | Learn more at New American Funding |
![]() Fairway Independent Mortgage: NMLS#2289 Learn more at Fairway Independent Mortgage | Best for digital experience | 620 | 3% | Learn more at Fairway Independent Mortgage |
![]() Guild Mortgage: NMLS#3274 | Best for digital experience | 620 | 3% | Read review |
![]() SunTrust (Truist): NMLS#2915 | Best for Spanish speakers | 620 | 3% | Read review |
![]() PrimeLending: NMLS#13649 | Best for veterans | 580 | 0% | Read review |
![]() Caliber: NMLS#15622 | Best for veterans | 580 | 0% | Read review |
![]() State Employees' Credit Union: NMLS#430055 | Best for customer service | N/A | 0% | Read review |
![]() BB&T (Truist): NMLS#399803 | Best for customer service | 620 | 3% | Read review |
![]() Homebridge: NMLS#6521 | Best for a nonbank experience | 620 | 3% | Read review |
![]() Churchill: NMLS#1591 | Best for a nonbank experience | 620 | 3% | Read review |

at New American Funding
New American Funding: NMLS#6606

Min. credit score
620Min. down payment
3%at New American Funding

at Fairway Independent Mortgage
Fairway Independent Mortgage: NMLS#2289

Min. credit score
620Min. down payment
3%at Fairway Independent Mortgage
Guild Mortgage: NMLS#3274

Min. credit score
620Min. down payment
3%SunTrust (Truist): NMLS#2915

Min. credit score
620Min. down payment
3%PrimeLending: NMLS#13649

Min. credit score
580Min. down payment
0%Caliber: NMLS#15622

Min. credit score
580Min. down payment
0%State Employees' Credit Union: NMLS#430055

Min. credit score
N/AMin. down payment
0%BB&T (Truist): NMLS#399803

Min. credit score
620Min. down payment
3%Homebridge: NMLS#6521

Min. credit score
620Min. down payment
3%Churchill: NMLS#1591

Min. credit score
620Min. down payment
3%Last updated on January 22, 2021
Methodology
To recap our selections...
NerdWallet's Best NCHFA Mortgage Lenders of 2021
- New American Funding: Best for Spanish speakers
- Fairway Independent Mortgage: Best for digital experience
- Guild Mortgage: Best for digital experience
- SunTrust (Truist): Best for Spanish speakers
- PrimeLending: Best for veterans
- Caliber: Best for veterans
- State Employees' Credit Union: Best for customer service
- BB&T (Truist): Best for customer service
- Homebridge: Best for a nonbank experience
- Churchill: Best for a nonbank experience