{"id":710,"date":"2015-05-30T16:28:40","date_gmt":"2015-05-30T16:28:40","guid":{"rendered":"http:\/\/teammovemortgage.com\/2014\/11\/29\/homeownership-solutions-for-north-carolina-buyers-looking-for-a-first-home-or-move-up-purchase\/"},"modified":"2020-07-13T22:34:48","modified_gmt":"2020-07-13T22:34:48","slug":"homeownership-solutions-for-north-carolina-buyers-looking-for-low-down-payment-options","status":"publish","type":"post","link":"https:\/\/teammovemortgage.com\/blog\/homeownership-solutions-for-north-carolina-buyers-looking-for-low-down-payment-options\/","title":{"rendered":"Homeownership Solutions for North Carolina buyers looking for a first home or move up purchase"},"content":{"rendered":"<figure id=\"attachment_993\" aria-describedby=\"caption-attachment-993\" style=\"width: 300px\" class=\"wp-caption alignleft\"><img loading=\"lazy\" decoding=\"async\" class=\"wp-image-993 size-medium\" src=\"https:\/\/teammovemortgage.com\/blog\/wp-content\/uploads\/2014\/11\/realtor-giving-the-keys-to-buyer-300x194.jpg\" alt=\"Homeownership solutions for NC buyers looking for low to no down payment mortgage loans\" width=\"300\" height=\"194\" \/><figcaption id=\"caption-attachment-993\" class=\"wp-caption-text\">Homeownership solutions for NC buyers looking for low to no down payment mortgage loans<\/figcaption><\/figure>\n<p>The most common need we see among buyers these days is a great low or no down payment mortgage solution.\u00a0 There is a little known affordable payment, low to no down payment option available with us\u00a0through the NC Housing Finance Agency (NCHFA).\u00a0 Earlier in 2014, NC Housing Finance Agency\u00a0unveiled the <a href=\"http:\/\/teammovemortgage.com\/down-payment-assistance-nc-sc\/\"><span style=\"text-decoration: underline;\">NC Home Advantage product<\/span> <\/a>which turns a normal <a href=\"http:\/\/teammovemortgage.com\/fha\/\" target=\"_blank\" rel=\"noopener noreferrer\"><span style=\"text-decoration: underline;\">FHA<\/span><\/a>, <a href=\"http:\/\/teammovemortgage.com\/usda\/\" target=\"_blank\" rel=\"noopener noreferrer\"><span style=\"text-decoration: underline;\">USDA<\/span><\/a>, <a href=\"http:\/\/teammovemortgage.com\/va-loan\/\" target=\"_blank\" rel=\"noopener noreferrer\"><span style=\"text-decoration: underline;\">VA<\/span><\/a>, or conventional mortgage into a potential lower fixed rate with the option of adding a zero interest &amp; zero monthly payment,\u00a0down payment assistance loan.<\/p>\n<p>The NC Home Advantage program can help a buyer overcome several obstacles by turning standard mortgage guidelines into a <em>more affordable, helpful product<\/em>.<\/p>\n<p><strong>Here are several examples of how the <span style=\"text-decoration: underline;\"><a href=\"http:\/\/teammovemortgage.com\/down-payment-assistance-nc-sc\/\" target=\"_blank\" rel=\"noopener noreferrer\">NC Home Advantage Product<\/a><\/span> can overcome\u00a0obstacles:<\/strong><\/p>\n<p><strong>Fannie Mae Conventional mortgage 5% down payment minimum with monthly PMI:<\/strong><\/p>\n<ul>\n<li>On a conventional loan, the Rate and PMI (private mortgage insurance)\u00a0are increased for buyers with 640 &#8211; 759 credit scores, especially in the lower range.\u00a0 <strong><em>NC Home Advantage Solution:<\/em><\/strong>\u00a0 One low interest &amp; PMI monthly rate for all borrowers!\u00a0 This is especially helpful for buyers with credit scores\u00a0between 640 and 699.<\/li>\n<li>5% down payment can be difficult to obtain:\u00a0 <strong><em>NC Home Advantage Solution<\/em><\/strong>:\u00a0 A buyer can choose a lower rate 3% down payment option or an option with a little higher interest rate that includes the zero interest, no payment required down payment assistance 2nd mortgage.\u00a0 For higher credit score buyers, we have a great strategy to lower the mortgage payment even more.\u00a0 Ask us how!<\/li>\n<\/ul>\n<p><strong><a href=\"http:\/\/teammovemortgage.com\/fha\/\" target=\"_blank\" rel=\"noopener noreferrer\"><span style=\"text-decoration: underline;\">FHA<\/span><\/a> mortgage 3.5% down payment:<\/strong><\/p>\n<ul>\n<li>Down payment can be of the buyer&#8217;s own funds or can be a gift from a family member but sometimes the buyer doesn&#8217;t have these funds.\u00a0 <strong><em>NC Home Advantage Solution:<\/em><\/strong>\u00a0 The buyer can get a 5% of the first mortgage amount in down payment assistance which can cover the total down payment plus leave a little to go towards the settlement charges.<\/li>\n<\/ul>\n<h4><\/h4>\n<p><strong><a href=\"http:\/\/teammovemortgage.com\/va-loan\" target=\"_blank\" rel=\"noopener noreferrer\">VA<\/a> &amp; <a href=\"http:\/\/teammovemortgage.com\/usda\" target=\"_blank\" rel=\"noopener noreferrer\">USDA<\/a> have limitations on the buyer and\/or property.\u00a0 The buyer\u00a0must be a Veteran, active duty, or qualifying surviving spouse of a\u00a0veteran\u00a0for a VA loan\u00a0and the property and household income must qualify for USDA loans:<\/strong><\/p>\n<p>&nbsp;<\/p>\n<p><a href=\"http:\/\/teammovemortgage.com\/va-loan\" target=\"_blank\" rel=\"noopener noreferrer\">VA<\/a> and <span style=\"text-decoration: underline;\"><a href=\"http:\/\/teammovemortgage.com\/usda\" target=\"_blank\" rel=\"noopener noreferrer\">USDA<\/a><\/span> allow for 100% financing of the purchase price but what if the seller won&#8217;t pay for the settlement costs and the buyer doesn&#8217;t have the funds for closing costs.\u00a0 <strong><em>NC Home Advantage Solution:<\/em><\/strong>\u00a0 A buyer can use the down payment assistance up to 5% of the first mortgage amount to cover the closing costs and finance them with zero interest or payments.<\/p>\n<p><a href=\"http:\/\/teammovemortgage.com\/usda\" target=\"_blank\" rel=\"noopener noreferrer\">USDA<\/a> requires that the property being purchased be located in\u00a0a USDA eligible area so certain cities in NC such as Raleigh, Durham, Chapel Hill, Greensboro, High Point, Charlotte, Wilmington, Fayetteville, Jacksonville, Goldsboro, Kinston, Greenville, Asheville, Hickory, and Winston Salem, have many areas that do not qualify because the population is too high to be considered rural.\u00a0 <a href=\"http:\/\/teammovemortgage.com\/blog\/2015\/05\/24\/usda-property-eligibility\/\" target=\"_blank\" rel=\"noopener noreferrer\">Search USDA eligible properties<\/a>.\u00a0 <em><strong>NC Home Advantage Solution:<\/strong><\/em>\u00a0 There is not a geographic location requirement other than the property must be in the state of North Carolina.<\/p>\n<p><a href=\"http:\/\/teammovemortgage.com\/usda\" target=\"_blank\" rel=\"noopener noreferrer\">USDA<\/a> requires that the &#8220;Household&#8221; income (which means everyone that will live in the property, whether on the loan or not) be under the USDA income limit for the county in which the property is located.\u00a0 If the household income is over the limit, the buyer(s) cannot use USDA to purchase a home.\u00a0 <a href=\"http:\/\/teammovemortgage.com\/usda\" target=\"_blank\" rel=\"noopener noreferrer\">Check your household income for USDA eligibility and learn more about USDA loans<\/a>.\u00a0 <strong><em>NC Home Advantage Solution:<\/em><\/strong>\u00a0 NC Home Advantage has an income limit of $85,000 that is only based on the applicants on the loan and not other household members that are not on the mortgage.<\/p>\n<p><a href=\"http:\/\/teammovemortgage.com\/va-loan\" target=\"_blank\" rel=\"noopener noreferrer\">VA<\/a> is a great 100% financing mortgage option but to use the program the buyer needs to be a qualifying Veteran, active military, or surviving spouse of a veteran so most people do not meet that requirement so have been limited on 100% financing options.\u00a0 NC Home Advantage Solution:\u00a0 Buyers can use either a conventional, USDA, or <a href=\"http:\/\/teammovemortgage.com\/fha\/\" target=\"_blank\" rel=\"noopener noreferrer\"><span style=\"text-decoration: underline;\">FHA<\/span><\/a> mortgage to obtain right at 100% financing to even over 100% financing to help with closing costs and pre-paid items.<\/p>\n<p>First time buyers and Veterans can combine the solutions of the NC Home Advantage products along with a tax-saving <a href=\"http:\/\/teammovemortgage.com\/1st-time-buyer-mcc-tax-credit-nc\/\" target=\"_blank\" rel=\"noopener noreferrer\"><span style=\"text-decoration: underline;\">Mortgage Credit Certificate (MCC Tax Credit),<\/span><\/a> to reduce the buyer&#8217;s federal income tax liability by as much as $2000 per year for each year the buyer(s) occupy the home.\u00a0 Buyers who qualify by meeting the MCC tax credit income limits (this is a different income limit from the $85,000 Home Advantage income limit) can adjust their federal withholding amount and use the extra take home pay to help them make their mortgage payments more easily.\u00a0 <span style=\"text-decoration: underline;\"><a href=\"http:\/\/teammovemortgage.com\/1st-time-buyer-mcc-tax-credit-nc\/\" target=\"_blank\" rel=\"noopener noreferrer\">See the MCC tax credit income limits by county here<\/a><\/span><\/p>\n<p>The formula for the annual tax credit is:\u00a0 loan amount x interest rate x tax credit percentage.\u00a0 <span style=\"text-decoration: underline;\"><a href=\"http:\/\/teammovemortgage.com\/1st-time-buyer-mcc-tax-credit-nc\/\" target=\"_blank\" rel=\"noopener noreferrer\">Learn more details here<\/a><\/span><\/p>\n<p><strong>Some examples of buyer scenarios\u00a0that benefitted from the NC Housing Finance Agency products are which we have recently closed are:<\/strong><\/p>\n<ul>\n<li>USDA purchase\u00a0with 100% financing where all settlement charges were financed and the buyer received an MCC tax credit to use each year towards their tax returns<\/li>\n<li>97% Conventional loan with a lower rate of PMI and lower interest rate compared to what their normal conventional loan would have been at 95% of the sales price.\u00a0 The buyer chose to not use down payment assistance but was able to obtain a great loan to fit the buyer&#8217;s\u00a0needs<\/li>\n<li><a href=\"http:\/\/teammovemortgage.com\/fha\/\" target=\"_blank\" rel=\"noopener noreferrer\"><span style=\"text-decoration: underline;\">FHA<\/span><\/a> first mortgage with a 3% of the first mortgage Down Payment Assistance so the buyer was able to bring just under 1\/2% of the price to closing rather than the normal 3.5% down payment required on an <a href=\"http:\/\/teammovemortgage.com\/fha\/\" target=\"_blank\" rel=\"noopener noreferrer\"><span style=\"text-decoration: underline;\">FHA loan<\/span><\/a>.<\/li>\n<\/ul>\n<p>Use our website as a valuable resource to learn options for buyers,\u00a0sellers, realtors, and builders.\u00a0\u00a0Relevant information to this blog can be found by following these links:\u00a0<span style=\"text-decoration: underline;\"><a href=\"http:\/\/teammovemortgage.com\/1st-time-buyer-mcc-tax-credit-nc\/\" target=\"_blank\" rel=\"noopener noreferrer\">1st time buyers MCC tax credits<\/a><\/span>, <span style=\"text-decoration: underline;\"><a href=\"http:\/\/teammovemortgage.com\/down-payment-assistance-nc-sc\/\" target=\"_blank\" rel=\"noopener noreferrer\">Down Payment Assistance options<\/a><\/span>, <span style=\"text-decoration: underline;\"><a href=\"http:\/\/teammovemortgage.com\/category\/1st-time-buyers\/\" target=\"_blank\" rel=\"noopener noreferrer\">informative blogs of real world scenarios to educate first time buyers<\/a><\/span>, and <a href=\"http:\/\/teammovemortgage.com\/category\/tips\/\" target=\"_blank\" rel=\"noopener noreferrer\"><span style=\"text-decoration: underline;\">general tips when getting a mortgage<\/span><\/a>.\u00a0 Anyone can call one of our 3 loan officers on Team Move who are approved to offer the NC Housing Finance Agency\u00a0products and learn if these products match the person&#8217;s scenario and goals.<\/p>\n<p><span style=\"text-decoration: underline;\"><a href=\"http:\/\/teammovemortgage.com\/our-team\/\" target=\"_blank\" rel=\"noopener noreferrer\">Learn more about how Team Move<\/a><\/span><\/p>\n<p><strong><em>Team Move\u00a0lends in\u00a0areas such as Wilmington, Leland, Hampstead, Jacksonville, Camp Lejeune, Whiteville, Shallotte, Southport, Elizabethtown, Lumberton, Fort Bragg, Pope Air Force Base, Fayetteville, Rockingham, Raleigh, Garner, Smithfield, Clayton, Goldsboro, Charlotte, Greensboro, Winston-Salem, Durham, Chapel Hill, Burgaw, Castle Hayne, Holden Beach, Supply, Ocean Isle Beach, Sunset Beach, Hubert, Tabor City, Carolina Beach, Kure Beach, Laurinburg, Topsail Beach, North Topsail Beach, Surf City, Sneads Ferry, Richlands, Wrightsville Beach, New Bern, Oak Island, Saint James, Wallace, Sanford, Pittsboro, Apex, Cary, Raleigh, Holly Springs, Fuquay Varina, Siler City, Southern Pines, Aberdeen, Pinehurst, Whispering Pines, Vass, Spring Lake, Fayetteville, Lillington, Hope Mills, Dunn, Angier, Smithfield, as well as the rest of NC.\u00a0 North Myrtle Beach, Myrtle Beach, Conway, Loris, Little River, Longs, as well as the rest of South Carolina and Virginia.<\/em><\/strong><\/p>\n<p>&nbsp;<\/p>\n","protected":false},"excerpt":{"rendered":"<p>The most common need we see among buyers these days is a great low or no down payment mortgage solution.\u00a0 There is a little known affordable payment, low to no down payment option available with us\u00a0through the NC Housing Finance Agency (NCHFA).\u00a0 Earlier in 2014, NC Housing Finance Agency\u00a0unveiled the NC Home Advantage product which [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":993,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[5,24,97,17,19,41,48],"tags":[7,25,26,27,28,29,30,31,32,9,10,11,12,13,310,18,311,20,42,43,44,45,46,47,49,21],"class_list":["post-710","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-1st-time-buyers","category-fha","category-interesting","category-products","category-recent-changes","category-usda","category-va-loans","tag-down-payment-source","tag-fha","tag-fha-guidelines","tag-fha-home-loans","tag-fha-loan-calculator","tag-fha-loan-requirements","tag-fha-loans","tag-fha-purchase","tag-fha-rates","tag-first-time-buyers","tag-homebuyers","tag-low-down-payment","tag-lumberton-board-of-realtors","tag-mortgage-faqs","tag-pinehurst-southern-pines-association-of-realtors","tag-realtors","tag-sanford-area-association-of-realtors","tag-team-move","tag-usda","tag-usda-home-loan-updates","tag-usda-home-loans","tag-usda-rural-development","tag-usda-rural-development-guidelines","tag-va-home-loans","tag-va-requirements","tag-wrar"],"acf":[],"yoast_head":"<!-- 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