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 if you prefer a digital experience
These lenders have the digital application and tracking tools you’ll need to get a mortgage almost entirely online.
- Mobile application can be completed in 10 minutes.
- Securely scan and upload financial documents.
- 24/7 online loan administration portal, call center and email help.
- Fairway Independent Mortgage review
- Offers a paperless loan application and digital loan tracking.
- Specializes in funding first-time home buyers.
- Considers alternative credit data, such as utility bill payments.
- Guild Mortgage review
Best NCHFA mortgage lenders if Spanish is your first language
These lenders have bilingual agents and resources so you can get a mortgage in the language that’s most natural for you.
- Offers a full Spanish-language version of its website.
- Provides a variety of customer service options.
- Doesn’t consider alternative credit history.
- SunTrust Mortgage review
- Has Spanish-speaking agents to assist bilingual borrowers.
- Evaluates creditworthiness on an individual basis.
- Personal information required for an online rate quote.
- New American Funding review
Best NCHFA mortgage lenders if you’re a military veteran
These lenders have the experience needed to help past and current service members take advantage of their home loan benefits.
- Offers VA purchase and refinance loans.
- Lots of info about VA loans and eligibility criteria on its website.
- Has an in-house closing-cost assistance program.
- PrimeLending review
- Offers educational resources for military borrowers.
- Dedicated website for VA home loans with details on eligibility requirements.
- Minimum credit score 580.
- Caliber Home Loans review
Best NCHFA mortgage lenders if you want top-notch customer service
Want your lender to go the extra mile? These mortgage providers have resources to keep you satisfied.
- Offers 24/7 customer service via a toll-free support line.
- More than 260 branch offices across North Carolina.
- Membership limited to state and public school employees and their families.
- SECU review
- Services most mortgages it originates, so your ongoing needs can be handled in-house.
- Plentiful branch locations across North Carolina.
- You must create a profile to apply online.
- BB&T review
Best NCHFA mortgage lenders if you prefer a nonbank
These nonbank lenders may be able to provide a more flexible and streamlined mortgage experience.
- Offers FHA, VA and USDA loans.
- Lots of educational resources available on its website.
- Prioritizes a high level of customer service and satisfaction.
- Homebridge Financial Services review
- No minimum or maximum loan amounts.
- Uses alternative data for borrowers without a traditional credit history.
- Must create an account to start application online.
- Churchill Mortgage review
Best NCHFA mortgage lenders: summary
- Fairway Independent Mortgage: Digital experience
- Guild Mortgage: Digital experience
- SunTrust Mortgage: Spanish speakers
- New American Funding: Spanish speakers
- PrimeLending: Veterans
- Caliber Home Loans: Veterans
- State Employees Credit Union: Customer service
- BB&T: Customer service
- Homebridge Financial Services: Nonbank
- Churchill Mortgage: Nonbank
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