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NCHFA (North Carolina Housing Finance Agency)

If your income is modest, a low-interest mortgage from the North Carolina Housing Finance Agency can make the difference between owning a home and dreaming about it.

NCHFA offers 30-year, fixed rate mortgages at interest rates that are below the market for new homes, existing homes, and homes under construction.

For home buyers that need extra help, NCHFA offers interest-free, deferred second mortgages to help pay down payment and closing costs.

Choose a NCHFA loan if you:

  • Are buying a home in North Carolina
  • Are a first time home buyer, or you have not owned a home as your principal residence during the past three years
  • Annual household income does not exceed the maximum income limits allowed for your county
  • Are a reasonable credit risk

What You Need to Know:
Contact a Mortgage Loan Officer to go over any questions you may have or call our Mortgage Call Center at 1-888-993-8754.

© First South Bancorp, Inc. All Rights Reserved. Member FDIC. Equal Housing Lender.