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1. www.nchfa.com › home-buyersHome Buyer NC | North Carolina Housing Finance Agency - NCHFA

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   The North Carolina Housing Finance Agency has assisted thousands of North Carolinians in purchasing homes with an array of financing options that make buying a new home affordable. Our NC Home Advantage Mortgage™ offers down payment assistance up to 3% of the loan amount that can help first-time and move-up buyers get into a new home.

2. www.rd.usda.gov › programs-services › single-familySingle Family Housing Direct Home Loans in North Carolina

   www.rd.usda.gov › programs-services › single-family

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   Effective November 1, 2024, the current interest rate for Single Family Housing Direct home loans is 4.375% for low-income and very low-income borrowers. Fixed interest rate based on current market rates at loan approval or loan closing, whichever is lower; Interest rate when modified by payment assistance, can be as low as 1%

3. themortgagereports.com › 80073North Carolina First-Time Home Buyer | Programs & Grants

   themortgagereports.com › 80073

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   Oct 23, 2024 · The NC Home Advantage Mortgage also comes with optional down payment assistance of up to 3% of the loan amount. What’s more, North Carolina first-time home buyers can also stack additional NCHFA ...

4. www.nerdwallet.com › article › mortgagesNorth Carolina First-Time Home Buyer Programs of 2023

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   Jun 28, 2023 · The North Carolina Housing Finance Agency (NCHFA) has a program called NC Home Advantage Mortgage, which combines affordable, fixed-rate loans with down payment assistance.

5. www.lendingtree.com › home › mortgageNorth Carolina First-Time Home Buyer Programs in 2024 ...

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   Apr 29, 2024 · By comparison, first-time homebuyers put down $35,095 on average in the state’s northern neighbor, Virginia. Conventional home loans offer down payments starting at 3%, FHA loans require as little as 3.5% down, and programs like USDA and VA home loans, require no down payment, only enough to cover the closing costs.

   • Author: Coryanne Hicks

   • North Carolinians can often get into a house without saving up the traditional 20% of the house price you may have heard is necessary. Depending on...
   • You may qualify for down payment assistance from the North Carolina Housing Finance Agency if you meet the program requirements:→ Your income is be...
   • To qualify for first-time homebuyer assistance, start by finding a participating lender in the assistance programs. The lender should be able to wa...
   • The best product for you will depend on your personal and financial life. For help understanding the various programs and identifying the best matc...
   • Yes. The NC Home Advantage Tax Credit allows residents who have not owned a home in the prior three years (as well as military veterans) to save up...

6. www.realtor.com › advice › financeNorth Carolina's First-Time Homebuyer Assistance Programs

   www.realtor.com › advice › finance

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   Apr 12, 2022 · The North Carolina Home Advantage Mortgage provides qualified first-time homebuyers and current homeowners looking to move to a new home with a 30-year fixed-rate mortgage. The loans can be ...

7. People also ask

   What financing options are available in North Carolina?

   • The North Carolina Housing Finance Agency has assisted thousands of North Carolinians in purchasing homes with an array of financing options that make buying a new home affordable. Our NC Home Advantage Mortgage™ offers down payment assistance up to 3% of the loan amount that can help first-time and move-up buyers get into a new home.

   Home Buyer NC | North Carolina Housing Finance Agency - NCHFA

   www.nchfa.com/home-buyers

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   Does North Carolina offer a down payment assistance loan?

   • The North Carolina Housing Finance Agency also provides generous down payment assistance loans to eligible first-time buyers across the state. NC 1st Home Advantage Down Payment is available to first-time home buyers or military veterans who are purchasing in a targeted census tract.

   North Carolina First-Time Home Buyer | Programs & Grants

   themortgagereports.com/80073/nc-first-time-home-buyer-programs-grants

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   Does North Carolina have a first-time home buyer loan program?

   • The North Carolina Housing Finance Agency has first-time home buyer loan programs to help those with low to moderate incomes.

   North Carolina First-Time Home Buyer Programs of 2023

   www.nerdwallet.com/article/mortgages/north-carolina-first-time-home-buyer-programs

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   How do I buy a home in North Carolina?

   • You are purchasing a home in North Carolina. You occupy the home as your principal residence within 60 days of closing. Your annual income doesn’t exceed $140,000. Your credit score is 640 or higher. You are applying for an FHA, USDA, VA or conventional loan through a participating lender and meet the sales price limits of the loan type.

   NC Home Advantage Mortgage | NCHFA

   www.nchfa.com/home-buyers/buy-home/nc-home-advantage-mortgage

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   How much money can you get from a home loan in NC?

   • Borrowers can receive up to 20% of a home’s sales price or a maximum loan of $30,000 in assistance, whichever is less. The funds are a zero-interest, subordinate loan, but the money must be combined with an NC Home Advantage Mortgage or a USDA 502 Direct loan.

   North Carolina's First-Time Homebuyer Assistance Programs - realtor.co…

   www.realtor.com/advice/finance/north-carolinas-first-time-homebuyer-assistance-programs/

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   Is there a first-time homebuyer tax credit in North Carolina?

   • Yes, there is a first-time homebuyer tax credit in North Carolina called the NC Home Advantage Tax Credit. This allows residents to receive a credit for 30% of the interest you pay on your home if it’s an existing home or 50% of the interest for a new home, up to the $2,000 each year.

   North Carolina First-Time Home Buyer Programs in 2024 - LendingT…

   www.lendingtree.com/home/mortgage/north-carolina-first-time-homebuyer-programs/

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8. www.nchfa.com › nc-home-advantage-mortgageNC Home Advantage Mortgage | NCHFA

   www.nchfa.com › nc-home-advantage-mortgage

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   You may be eligible for an NC Home Advantage Mortgage™ if: You are purchasing a home in North Carolina. You occupy the home as your principal residence within 60 days of closing. Your annual income doesn’t exceed $140,000. Your credit score is 640 or higher. You are applying for an FHA, USDA, VA or conventional loan through a participating ...