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    The North Carolina Housing Finance Agency is a self-supporting public agency that finances affordable housing opportunities for North Carolinians whose needs are not met by the market. The Agency offers low-cost mortgages and down payment assistance for qualified home buyers through participating lenders statewide. It finances affordable homes and apartments and housing for people with special needs developed by local governments, nonprofit organizations and private owners. The Agency also awards funding to local governments and nonprofit agencies for the rehabilitation of substandard owner-occupied homes and offers foreclosure prevention assistance in partnership with HUD-approved housing counseling agencies statewide. The Agency does not directly provide housing—consumers need to contact local lenders and partners for assistance.

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