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.

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

Calculators to help you choose the right mortgage for you

What others are saying

couple in car selfie
Laura G.
member from Kernersville, NC

We had heard very positive comments regarding Allegacy so we applied for membership and a vehicle loan. Selina made the whole experience seamless and enjoyable. We will certainly consider Allegacy for any future financial needs.

dad and son being silly selfie
Ken M.
member since 2005

As always you are very helpful, courteous, and professional. You and people like you are the reason I am with Allegacy and will never go back to a bank.

family selfie with dog
David T.
member from Anaheim, CA

At 1st, I was weary of the thought an out of state bank. Brandi and your team made the process so easy. She was very responsive informative and helpful. I am very thankful i found you guys.

Apply for Home Advantage

See if you qualify for the NC Home Advantage Program.

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Not yet a member?

Make yourself at home.

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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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