North Carolina Home Advantage Program

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.

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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.

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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

young couple with dog in the park
Mark S.
member from Winston-Salem, NC

The overall experience was great!!! Sherry definitely went out of her way to provide us with the best service we’ve ever had a bank, especially with buying our forever home!!! She’s the BEST!!

mother and daughter take selfie hiking
Lori T.
member since 2012

Professional, kind, went above-and-beyond to ensure my my closing date was maintained

girl and mother exploring flowers
Leeann B.
member since 2011

David and his team were wonderful through the entire process. They kept me informed and were quick to respond to my questions and concerns.

Apply for Home Advantage

See if you qualify for the NC Home Advantage Program.

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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.