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New Down Payment Assistance for First Time Home Buyers - Video

  • ← Saturday Update - October 3, 2015 Charlotte Area New Construction Real Estate - Video
  • Saturday Update - October 10, 2015 Charlotte Area New Construction Real Estate - Video →
Posted By Roger Holloway @ Oct 5th 2015 5:40pm In: First Time Home Buyers

New Down Payment Assistance for First Time Home Buyers could mean up to $15,000. Call - Text 704-345-3400 to connect to a local lending partner and of course, I will serve as your Charlotte REALTOR® Buyer's Real Estate Agent.

YouTube Videos for First Time Home Buyers - Charlotte NC >

Here's how you can receive this assistance with your down payment for the purchase of a home. It's a five year, deferred second mortgage loan with 0% interest. Your commitment to stay in the home for five years insures that you never have to repay it! Each of those five years, the mortgage is forgiven at the rate of 20% each year, so 5 is the magic number of that second mortgage being completely wiped out.

Two programs combine to make this happen -- U.S. Department of the Treasury’s Hardest Hit Fund® and the 30 year NC Home Advantage Mortgage™. You could also qualify for the Mortgage Credit Certificate, saving you as much as $2,000 in federal taxes.

How To Get $15,000 in Down Payment Assistance in Charlotte

  • You haven't owned a home within the last 3 years.
    Your home sales price is under $245,000.
    You're buying an existing, resale home (not new construction).
    Your credit score is 640 or above.
    You're willing to take a Home Buyer course on home ownership.
    You fit within certain income qualifications, which vary for the two counties that offer the programs that I sell real estate in (Mecklenburg & Cabarrus).

This is where I connect you to a mortgage professional to qualify you for this DPA, and then we go look for homes. Understanding that you can look at homes at $250,000 or less (due to negotiation, we can often purchase a home listed at 250k for within the qualifying purchase price.

Mecklenburg County First Time Home Buyer Homes - Current Listings under $300,000 >


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Roger Holloway spent the majority of his life in Indiana with careers spanning entertainment (Announcer/Music Director - WTLC-FM and Drummer - "Pure Funk"), ministry (Cityhill Church / Zoe Fellowship) and business.
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