NC COMMUNITY HOUSING & CONSULTING

Establishing A Well Grounded Community is a Priority

 

Down Payment Assistance

North Carolina Community Housing & Consultling can assist  first time home buyers or families that have not owned a home as their principal residence during the past three years for a down payment assistance program from the North Carolina Housing Finance Agency (NCHFA). This program provides down payment assistance of 25% of the sales price of the home,  not to exceed $50,000, to qualifying families who need extra money to obtain a home mortgage.  All borrowers must invest a minimum of $500.00 of their personal funds into the transaction. In addition, borrowers should have accessible assets equal to 2 months of the total house payment remaining on deposit after loan closing.

The funds received from the North Carolina Housing Finance Agency (NCHFA) is a deferred 2nd mortgage. After the first mortgage is paid in full, then the 2nd mortgage is due. The 2nd mortgage is interest free during the payoff period of the 1st mortgage. 

We know offer Down Payment Assistance that will assist clients which is forgivable and with low credit scores. To require about these Programs do not hesitate to contact us for more information.

​Mortgage Loans

North Carolina Community Housing & Consulting is a Third Party Originator (TPO) Mortgage Brokerage Agency partnered with Paramount Residential Mortgage Group, Inc. (PRMG), United Home Mortgage (UHM), Sun West Mortgage Company Inc. (SWMC), Loan Stream Mortgage (LSM), Equity Prime Mortgage (EPM), and Click n' Close, Inc. (CNC). North Carolina Community Housing & Consulting now can assist the clients that are mortgage ready with Conventional loans, USDA Guaranteed loans, FHA loans (Construction-to-Permanent One Time Close), and VA loans (Construction-to-Permanent One Time Close).
The North Carolina Community Housing & Consulting (NCCHC) main purpose is to address, educate, coordinate, and provide aid to find low income and moderate income applicants' homes on a local level. Education is provided by raising social consciousness about the cause and to provide assistance to those regardless of their race, ethnicity, or religion.
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​Housing Counseling

Housing counseling can help you turn the American Dream into a reality. Whether you are seeking to rent or want to purchase a home in the future, studies have found clear benefits to receiving housing counseling before making your next move. If you want to begin the housing counseling process please gather all the information below and contact us to make an appointment *There will be a  one time Application Charge of $50.00 at initial meeting with HUD  Certified Housing Counselor:

  • Copies of all 3 credit reports and not scores of Experian, Equifax, and Trans Union (button to the right) but If you don't have access to a            computer or printer then call 1-877-322-8228 and request to have all 3 credit reports sent to you by mail ( it will usually take 2-3 weeks)
  • Your 4 most recent pay stubs 
  • If applicable, copies of recent benefit statements for regular unearned income (such as social security, public assistance, retirement income, etc.) 
  • If applicable, 12 month payment history of alimony and/or child support received as provided by the court appointed entity responsible for handling payments. If this is not available, a copy of the separation agreement or divorce decree.  
  • Copy of Budget (Button to the right)
  • Copy of Intake Form/Application Form (Button to the right)
  • Copies of last statements for all bills
  • Copies of last two bank statements for borrower and co-borrower
  • Copies of most recent year tax returns with W2's and/or IRS Form 1099 ( If you don't have your tax returns, you can press the 4506-T form button to the right and fill it out  then mail it to request your transcript) 
  • Copy of Driver's License      
  • If applicable, written evidence of child care expenses for dependents 12 years of age or younger
  • If applicable, evidence of out of pocket annual medical expenses (for applicants 62 years of age and older, or individuals with a disability) who wish to be considered for a deduction to household income
  • If applicable, for a household member who is a full-time student and 18 years of age or older, a copy of their school transcript.     
  • If applicable, for each applicant, a written explanation of employment history of less than two years or employment gaps in excess of 30 days within the last two years   

​​​NCCHC Offers the Following Housing  Services:
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  • First-Time Homebuyer Counseling
  • Homebuyer Predatory Lending Counseling
  • Rental Housing Counseling
  • Foreclosure Prevention Counseling
  • ​Eviction Prevention Counseling​
North Carolina Community Housing & Consulting, Inc. | 3620 Legion Road Suite 204 | Hope Mills, NC 28348                                                                                      Phone (910) 920-3710| Fax (910) 568-3549 |                                                                            © 2024 North Carolina Community Housing & Consulting, Inc.