Interest Rates

The North Carolina Housing Finance Agency helps make home ownership affordable for eligible home buyers in North Carolina - whether buying for the first time or moving up - with competitive financing and forgivable down payment assistance. If you are a first-time home buyer, you may also be eligible for a Mortgage Credit Certificate (MCC).

In addition, persons who buy homes in certain targeted census tracts may be eligible for the MCC program, even if they are not first-time home buyers.

Eligible borrowers apply for the NC Home Advantage Mortgage™ and MCC programs through our Participating Lenders and must meet the requirements of the individual loan type - Conventional, FHA, VA, or USDA - in addition to N.C. Housing Finance Agency guidelines.

To learn more about our NC Home Advantage Mortgage™ and down payment assistance programs, visit our Home Buyer section.

Notice: Rates are subject to change without notification

  • All loans are 30-year, fixed rate with 0 discount points
  • APR is calculated using $123,000 loan amount, 1% origination fee*, 1 day’s interim interest)
  • Lock-in Period = number of days rate will not change after lock-in
  • DPA = down payment assistance from NCHFA
  • $15,000 DPA available only in Cabarrus, Cumberland, Guilford, Johnston, Mecklenburg counties

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North Carolina Housing Finance Agency / 3508 Bush Street / Raleigh, NC 27609 / 919-877-5700

Disclaimer (please scroll and read, then proceed below)

All information contained on the following Web pages is obtained from the Agency’s books and records, and is believed to be accurate and reliable. Reference should be made to the official statement and operative documents of each series of bonds referred to herein for complete information on that issue. Because of the possibility of human and mechanical error as well as other factors, this information is provided "as is" without warranty of any kind and no representation or warranty, expressed or implied, is made, nor should any be inferred, as to the accuracy, timeliness, or completeness of this information. Under no circumstances shall North Carolina Housing Finance Agency have any liability to any person or entity for (a) any loss or damage in whole or part caused by, resulting from, or relating to any error (on account of neglect or otherwise) or other circumstance involved in procuring, collecting, compiling, interpreting, analyzing, editing, transcribing, transmitting, communicating or delivering this information, or (b) any direct, indirect, special, consequential, or incidental damages whatsoever, even if North Carolina Housing Finance Agency is advised in advance of the possibility of such damages, resulting from the use of, or inability to use, any such information. This information relates to bond issues of the North Carolina Housing Finance Agency that have been sold and distributed in underwritten public offerings described in the related official statements. Each viewer of the aforementioned information acknowledges that (i) the North Carolina Housing Finance Agency is not now by this document offering any bonds or other securities, nor soliciting an offer to buy any securities, (ii) this information is not to be construed as any description of the North Carolina Housing Finance Agency-such offerings are only made pursuant to the appropriate official statements of the North Carolina Housing Finance Agency, (iii) the information provided speaks only as of the date thereof and the North Carolina Housing Finance Agency has not in any way undertaken to update such information, and (iv) no representation is made as to the propriety or legality of any secondary market trading of the bonds or other securities of the North Carolina Housing Finance Agency by anyone in any jurisdiction. The financial condition of the North Carolina Housing Finance Agency may have changed since the date this information was prepared.

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