First Time HomeBuyer

take advantage of every opportunity.

If you’re looking to buy a home in North Carolina and you meet income requirements, you may be eligible to apply for the North Carolina Home Advantage Program. Borrow up to 97% of the purchase price on your primary residence, with just 3% down.

Apply for a loan

Find out if you're eligible for the North Carolina Home Advantage Program.

apply now

view our rates »

Borrow 97%

Receive up to 97% financing on the purchase of a primary residence if you qualify more »

Down Payment Assistance

Down payment assistance programs are available to those who qualify. more »

NC = Home

This program is available only to those who are buying a home in North Carolina

Mortgage Loan Specialist

Get in touch with one of our specialists for a consultation.

Check Loan Status

Log in to check the status of your loan or view messages.

Contact us

Questions? Feel free to contact us at 336.774.3400 or 800.782.4670.

We know that buying a home — especially for the first time — can be intimidating. You don’t have to go through it alone. We’re here to guide you toward greater savings and smarter choices that will ensure many happy years at any address. Use our online Homebuyers Guide and free worksheets to find your happy place.

go to the guide

What others are saying

close-up of toddler holding fingers in a peace sign lying inside open cardboard box
Karen F.
member from Edenton, NC

From the onset of the mortgage application process the team was unbelievably helpful, friendly and sincere. They walked us through the entire process offering help and guidance along the way, making an often stressful period, pleasant.

Front entrance with bench and round mirror by blue front door
Karen E.
member from Lexington, NC

Allegacy made everything so easy to send in information. They also have some of the best rates for mortgages.Everyone kept me up to date on what was needed or expected from me. They also made it easy to work out a closing date that suited our needs since we work during the day.

little kid pressing their ear to mom's pregnant stomach in sunny room
Wendy N.
member from Thomasville, NC

Helpful, courteous mortgage loan officer and processor. They stayed on top of my mortgage. Kept me informed and helped me select a mortgage that would work for me. It was a great experience from beginning to end.

smilling border collie holding toy ball in mouth playing with owner
Nathen W.
member from Winston-Salem, NC

The people I have worked with on the two mortgages I have with Allegacy have made my experience great – so professional caring and helpful!

Apply for Home Advantage

See if you qualify for the NC Home Advantage Program.

apply now

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  • Program eligibility criteria are subject to change without notice. Consult your tax advisor for potential tax savings. Visit the North Carolina Housing Finance Agency to learn more about this program.