Rural Housing Loans
These low-interest loans are offered through the Rural Housing
Service, a branch of the US Department of Agriculture.
They are specifically tailored to low and moderate income
persons who live in rural areas or small towns and require no
down payment.
100% financing available with fixed
interest rates
30-year term
USDA Guaranty Fee required on all loans
Property location must meet USDA
standards income and loan limits apply.
Affordable Housing Program (AHP) Loans
An AHP mortgage can help low-to-moderate income families who
cannot save for a down payment, but pay their bills and
deserve the opportunity to own a home. Applicants will
complete a take-home pre-ownership education course in order
to make the home buying process easier to understand.
Fixed annual percentage rates
Mortgages credit insurance is not
required
Income and loan amount limits apply
Home ownership counseling required
Housing Finance Agency Programs
The Housing Finance Agency offers special programs to first
time homebuyers, including special rates and down payment
assistance at certain income levels.
First time homebuyers only
Must be a resident of NC, SC, or VA
Fixed rate loans only at special rate
Down payment assistance may be
available for certain income levels
