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

What others are saying

Daughter hugging Dad's neck at home
Tobi M.
member from Winston-Salem, NC

Local team. Very friendly and efficient.

Dad and Son playing football in front yard
Michael R.
member from Palm Beach Garden, FL

Bob Church made himself available whenever I had questions or concerns… He even took the time with me late on a Friday night … I didn’t know there were other people like myself that work that hard for their members.

Old Terrier sleeping on bright pink pillow
Madison P.
member from Holly Springs, NC

Friendly staff who were very knowledgeable and patient with first time home buyers!

Happy young male at home smiling with tablet in hand
Daniel Y.
member from Winston-Salem, NC

Bob Church was absolutely without doubt. FANTASTIC! He was there every step of the way. For a first-time home buyer, it’s imperative that we understand the process, and it was his mission to make sure I followed along with every step. I recommend him ten times over!

Apply for Home Advantage

See if you qualify for the NC Home Advantage Program.

apply now

Calculators to help you choose the right mortgage for you

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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