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      Multiple NC state programs available

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      Can be structured as an FHA, VA, USDA or conventional loan

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      Down payment assistance available

  • Helping Borrowers in NC:

    FNB is a participating lender1 with the North Carolina Housing Finance Agency (NCHFA), offering mortgage solutions to in-state homebuyers. We participate in the following programs:2

    NC Home Advantage Mortgage™

    With the NC Home Advantage Mortgage, the NCHFA provides eligible homebuyers with down payment assistance, competitive interest rates and up to 100 percent financing on Federal Housing Administration (FHA), U.S. Department of Agriculture (USDA) and U.S. Department of Veteran's Affairs (VA) loans.

    NC 1ˢᵗ Home Advantage Down Payment Assistance

    The NC 1st Home Advantage Down Payment provides eligible first-time homebuyers and military veterans with down payment assistance.

    NC Home Advantage Tax Credit

    The NC Home Advantage Tax Credit enables eligible first time buyers (those who haven't owned a home as their principal residence in the past three years) and military veterans who are eligible for a Mortgage Credit Certificate (MCC).

    For more information about these programs, please visit the North Carolina Housing Finance Agency website.Redirect icon

  • Applying for a North Carolina Housing Agency Mortgage Program:

    Whether you would like to get pre-qualified or begin the application process, we have convenient ways for you to get started. You can begin by adding this product to your bag. During the checkout process you can select the option to get started online or set up time to meet with one of our experts.

    Getting Prepared:

    It is helpful if you have the following documents with you during the application process:

    • Fully executed purchase agreement, if available
    • Most recent 30 days of pay stubs
    • Most recent two (2) months of bank statements
    • Prior two (2) years of your W2s
    • Prior two (2) years of tax returns
    • Current driver’s license or photo ID

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Notices & Disclosures

1 - All loan products are subject to underwriting/credit approval.
2 - FNB is an Equal Housing Lender; NMLS #766529.

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