Home Buying 101

Are you looking to buy a home this year? The North Carolina Housing Finance Agency has the resources you need to make a home purchase this year and to help you become a successful long-term homeowner. Get the 411 on home buying 101 below!

Credit Score 101
Confused about your credit score? Confounded by your credit report? Learn what you need to know about your credit score and credit report, ways to improve your score and much more. 

Down Payment 101
Do you have questions about the down payment required for a home purchase? Discover the ins and outs of the down payment with Down Payment 101. 

NC Home Advantage MortgageTM 101
The NC Home Advantage Mortgage™ is a great way for qualified first-time and move-up home buyers to purchase a home they can afford. Learn the ins and outs of this great mortgage product with NC Home Advantage Mortgage™ 101. 

NC Home Advantage Tax Credit 101
Can the Mortgage Credit Certificate really save qualified homeowners up to $2,000 annually on their taxes? It sure can! Learn all about this money saving tool with NC Home Advantage Tax Credit 101.

Mortgage Insurance 101
If you buy a home with less than 20% down, your lender will require that you pay mortgage insurance. Discover the facts about this monthly cost so you can make sound financial decisions. 

Homeowner's Insurance
After you buy your home, having homeowner's insurance is a necessary way to ensure that your largest investment stays protected. Learn what you need to know about homeowner's insurance policies. 

Closing Costs 101
Are you perplexed by closing costs? Learn the basics of what you might need to pay and what else to expect at the closing table. 

HOA 101
Learn the ins and outs of homeowners associations to help you decide if living with one is the right decision for you. 

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Investors

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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