Rates Of Interest. To find out more about our NC Home Advantage Mortgage


The new york Housing Finance Agency makes house ownership affordable for qualified house purchasers in North Carolina—whether buying for the time that is first going up—with competitive financing and forgivable advance payment help. You may also be eligible for the NC Home Advantage Tax Credit, which offers up to $2,000 per year off federal taxes for buyers who apply and are approved for a Mortgage Credit Certificate (MCC) prior to the home purchase if you are a first-time home buyer (someone who hasn’t owned a home as your principal residence in the past three years) or a military veteran.

Borrowers make an application for the NC Residence Advantage Mortgage™ through our participating loan providers and must meet with the demands regarding the specific loan type—Conventional, FHA, VA or USDA—in addition to NC Housing Finance Agency instructions.

For more information about our NC Residence Advantage Mortgage™ and deposit help programs, like the NC 1 st Residence Advantage advance payment, see our Home Buyer area.

Notice: prices are susceptible to alter without notification

  • All loans are 30-year, fixed-rate with 0 discount points.
  • APR is calculated utilizing $123,000 loan quantity, one percent origination fee*, 1 day’s interim interest.
  • Lock-in Period is 60 times from initial lock-in date to loan purchase date.
  • DPA is deposit some help from NCHFA.

Residence Purchasers

Current Property Owners

Home Ownership Partnership

Rental Housing Partners

Press & Investors

New York Housing Finance Agency / 3508 Bush Street / Raleigh, NC 27609 / 919-877-5700

New York Housing Finance Agency

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