NC Home Advantage Mortgage

NC Home Advantage Mortgage是面向Statewide，North Carolina购房者的可免除贷款。 NC Home Advantage Mortgage is NCHFA's primary first-mortgage product, providing a 30-year fixed-rate loan (FHA, VA, USDA, or Fannie Mae HFA Preferred conventional) with competitive HFA rates and an optional 3% down payment assistance grant. Available to first-time and repeat buyers statewide who meet income (≤$152,000) and credit (640/660 FICO) requirements. The 3% DPA option, when not paired with NC 1st Home Advantage, is offered as a true grant (no lien, no repayment). NC Home Advantage Mortgage is NCHFA's flagship first-mortgage product: a 30-year fixed-rate FHA, VA, USDA, or Fannie Mae HFA Preferred conventional loan with competitive interest rates available to first-time and move-up buyers statewide. Borrowers may optionally elect down payment assistance equal to 3% of the loan amount, structured as a true grant (no lien, no repayment) when not paired with the $15K NC 1st Home Advantage DPA. Borrowers who pair with the $15K NC 1st Home Advantage DPA receive that flat amount instead of the 3% grant. 资金来自NCHFA non-bond / TBA capital markets execution for the 3% DPA grant tier; tax-exempt Mortgage Revenue Bonds when paired with NC 1st Home Advantage $15K DPA。

NC Home Advantage Mortgage在15年后免除，因此住满这段时间的购房者无需偿还。 触发还款的情形：None - 3% DPA grant is non-repayable when not paired with NC 1st Home Advantage和no lien recorded against the property for the grant component。 该援助以1st Lien顺位留置权登记。 免除和还款条款由项目设定，并可能变化——申请前请在项目官方网页上确认。

NC Home Advantage Mortgage面向将房屋作为主要住所自住的购房者。 关于信用，该项目说明：640 minimum FICO for government loans (FHA/VA/USDA); 660 minimum FICO for conventional (Fannie HFA Preferred)。 须参加购房者教育课程，由HUD-approved homebuyer education or counseling required (online or in person); list of approved providers available through NCHFA and participating lenders提供。 居住要求：Property must be in North Carolina and occupied as principal residence。 公民身份或移民身份：U.S. citizen or qualified non-citizen per agency loan-product guidelines。 No first-time-homebuyer requirement (any qualifying buyer eligible). Must occupy as principal residence. Maximum qualifying income $152,000 (household income including all borrowers and non-borrower spouse on title). No NCHFA sales-price cap when using the 3% DPA path (subject only to agency conforming/county limits); the $495,000 sales price cap only applies if pairing with the $15K NC 1st Home Advantage DPA (bond-funded). 3% DPA grant tier requires non-bond execution; recapture tax does not apply when the 3% DPA grant path is used.

NC Home Advantage Mortgage将家庭收入限制在$152,000。 该限制适用于家庭总收入，而不仅是借款人的收入。 地区收入中位数由HUD公布并每年更新，因此在依据某个数字之前，请查看该县的最新表格。

NC Home Advantage Mortgage的房价上限如下：No NCHFA sales-price cap on the standard NC Home Advantage Mortgage with 3% DPA grant; subject to FHA/VA/USDA county loan limits and Fannie Mae HFA Preferred conforming limits. 符合条件的房屋类型包括Single-family detached, townhomes, condos (must meet agency project approval), 1-unit owner-occupied和new and existing homes。 新建房屋符合条件。 预制房屋符合条件。

NC Home Advantage Mortgage在其服务群体中提到了退伍军人、现役军人、预备役人员和国民警卫队成员、遗属配偶、美洲印第安人和阿拉斯加原住民购房者、教育工作者、执法人员、消防员、医护人员和残障购房者。 在此列出仅表示项目提到了该群体，并不表示仅凭群体身份即可使申请人符合条件——其余资格规则仍然适用。

NC Home Advantage Mortgage服务于在Statewide，North Carolina购房的购房者。

NC Home Advantage Mortgage的申请通过管理该项目的机构办理，该机构在其网站上公布现行条款和申请步骤。 资金通过Lender reserves rate and DPA via NCHFA's online lender portal on a first-come, first-served basis预留。 Hey Prescott不是贷款机构，也不受理申请；本页介绍该项目，方便购房者向贷款机构或住房咨询师咨询。