First Time Home Buyer Options

We have options for down payments as low as 3% down!

We also offer 100% financing through the NCHFA bond program.

If that isn't enough, for the really niche scenarios, we have a 100% option for financing through FHA!

Did you know that your income plays a part in not only your mortgage approval process, but also in your interest rate?

Conventional loans have a product called Home Ready. It's a conventional loan that has a lower interest rate and lower mortgage insurance than a traditional loan. It's based on a predetermined income for each county. Down payments are as low as 3% - 5%.

It's a way Fannie Mae/Freddie Mac try to incentivize affordable housing.