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

Those who meet all eligibility requirements can get up to 3% down payment assistance 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

Calculators to help you choose the right mortgage for you

What others are saying

Manny M.
North Carolina member

By far better than any bank I’ve ever been with. Don’t have to worry about all those fees and requirements. Hassle free banking.

Gus K.

I have been an Allegacy member for a few years now. Overall, this has been a great experience. Their staff is very customer service oriented. There was a potential issue just before closing on our house, and one of the branch managers helped us work through the issue, personally seeing it through.

Patty S.
North Carolina member

It’s the finest CU I’ve used in my many years, very knowledgeable cashiers, managers and loan professionals.

Kathy W.
North Carolina member

I have been a member with the Allegacy back when it was Reynolds Credit Union. Excellent service in the CU. Excellent service on the phone. Excellent app for my phone. Web site very user friendly. I highly recommend Allegacy FCU.

Tanzola M.

Great tellers with excellent customer service skills. Been using for over 10 plus years. Keep it up ladies and gents you rock.

Max S.

Very nice bank, staff is always ready to help with whatever you need.

Apply for Home Advantage

See if you qualify for the NC Home Advantage Program.

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Not yet a member?

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Disclosures

  • 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.

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