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Charlotte NC Bond Loan

NOTE:   The NC Bonds Down Payment Assistance Program is now called the NC Home Advantage Mortgage Loan Program offered through the North Carolina Housing Finance Agency.   Click here for more information on the NC Home Advantage Mortgage Down Payment Assistance Program.   

We now have quick contact for immediate assistance. Do you have a question about the NC Bond Housing Program? By clicking on the button below, you will be contacted in minutes!

The North Carolina Housing Finance Agency created by the legislature in North Carolina to offer down payment assistance to qualified buyers is an excellent source for First Time Home Buyers. The North Carolina Housing Finance Program , now called the NC Home Advantage Mortgage Program is available statewide through 700 different banks, and some that are located right here in the Charlotte, NC area. They offer 30yr, fixed rate on FHAUSDAVA and conventional mortgages with below market rates up to $8000.00 to put towards your home purchase whether it be for down payment assistance and or closing costs.

The North Carolina Housing Finance offers this down payment assistance program as a interest-free, deferred second mortgages up to $8,000. You pay $1000 from your own funds, and the loan pays up to $8,000 of the balance.

Payment on the principal isn't due until 30 years from the date of the loan. Payment is due earlier if you sell, transfer, or refinance your home; if your loan goes into default; or if the home ceases to be your principal residence.

To qualify...

You must be a first-time home buyer or not have owned a home and occupied it as your principal residence in the past three years. Current homeowners may qualify if they buy homes in targeted areas.

You must plan to buy a home in North Carolina and occupy it within 60 days of closing.

Your annual household income must not exceed the allowed limits.

The home’s sale price must not exceed maximum allowed limits. The allowable sales price varies depending on local housing costs and whether you buy a new or existing home.

You must be able to prove legal residency. United States citizenship is not required for eligibility. The N.C. Housing Finance Agency will offer loans to eligible persons who are U.S. citizens or non-citizens who have lawful permanent residency in the United States. Non-citizens who cannot demonstrate legal residency are not eligible for Agency mortgages.

If you would like more information about this NC Bond Loan through the North Carolina Housing Finance Agency, fill out the form below and someone will contact you within 24 hours.  You can Apply Online for a faster response or call us directly at 704-965-3319.

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Top Charlotte Realtor Trena Miller
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Trena Miller

Pruitt Miller Realty Group
Charlotte, NC 28262

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Trena Miller | 704-965-3319 | Contact Us
10130 Mallard Creek Rd #300 - Charlotte, NC 28262
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