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Building stronger families, one home at a time

Home - for most people, it's the center of their lives. But for many hardworking families, homeownership is out of reach because they don't earn enough to afford an average-priced home in their community.

That's where Homes4NC comes in.  We bridge this gap with resources that help more North Carolinians affordably purchase a home of their own.

If you're looking for help to become a homeowner, someone to point you in the right direction or simply a way to make a lasting difference in your community, you've come to the right place.

Welcome home!


Community Investment

Communities: Disaster relief

 Since 2004, Homes4NC has aided deserving homeowners who have experienced the loss of their primary home because of natural disaster.

Through fall 2016, this included $19,000 toward displaced homeowners in need of housing assistance.

In October 2016, Hurricane Matthew impacted eastern North Carolina with massive storm and flooding damage.

Homes4NC and NC REALTORS®, in conjunction with NAR, stepped in to provide over $300,000 in housing assistance to impacted flood victims through the REALTOR® Relief Fund.  Learn more about those efforts here.

Homes4NC also aided NC REALTOR® members who were victims of flooding through the Adopt-a-REALTOR® program.  Learn more about this program here.

Thanks the overflowing generosity of REALTORS®, Homes4NC has been able to bring stability to victims who have experienced crisis.  Please consider giving to our cause today.

Helping future homeowners, one step at a time

anglephoto4Consumers: Find a Specialist

If you are in the market for a home and need assistance, please contact one of our certified Workforce Housing Specialists. These real estate professionals have been trained to understand and address your housing needs in your specific geographic area. They have the expert knowledge about local and state resources and are uniquely qualified and highly motivated to help you find the house of your dreams.

If you are looking for local resources, please review this list of HUD-approved housing counselor agencies in our state.  

Organizations: Learn about grants

Since 2004, Homes4NC has awarded Matching Grants to qualifying housing nonprofits that partner with local REALTOR® associations in their community.  Since 2012, Homes4NC has awarded Regional Project Grants to local REALTOR® associations that work to improve affordable housing in their community.

Communities: Disaster relief

Since 2004, Homes4NC has aided deserving homeowners who have experienced the loss of their primary home because of natural disaster.  Learn more about our Community Investment.

Workforce Housing Specialists:  Downpayment Assistance

From 2012 - 2015, Homes4NC provided downpayment assistance for clients of Workforce Housing Specialists. Clients had to meet certain employment and income guidelines.

At this time, Homes4NC's Downpayment Assistance program is not accepting applications.  Please check this page for future updates or contact Nicole Arnold at This email address is being protected from spambots. You need JavaScript enabled to view it.

Downpayment Assistance Program

anglephoto5From 2012 through 2015, Homes4NC offered $2,000 downpayment assistance grants for clients of Workforce Housing Specialists who met certain employment and income stipulations.  The program focused on those critical neighborhood workers - such as teachers, firefighters and nurses - who don't earn enough to afford the average-priced home in the community they serve.

Click here to find out more about how the Homes4NC's Downpayment Assistance Program worked to provide affordable housing for deserving homeowners. Homes4NC won a national grant that enabled our foundation to provide this support to homeowners.  In August 2015, Homes4NC awarded the last grant available through this program.  Currently, the program can no longer accept applications. Please contact Nicole Arnold at This email address is being protected from spambots. You need JavaScript enabled to view it. with questions.


The Homebuying Process

Whether you're buying your first home or are a seasoned homeowner, the process of buying a home can be a bit overwhelming. Here are a few tips to help:

Educate yourself
Buying a home is a life-changing event. Many nonprofit housing organizations offer free or low-cost homeownership courses that teach consumers about budgeting for homeownership, how to search for the right mortgage, fair housing laws, closing costs, home insurance costs and more.

Check your credit
Obtain a copy of your credit report and make sure that it correctly reflects your credit history. If you find a mistake, notify the credit bureau immediately. Generally, they must investigate and resolve the disputed information within 30 days of receiving your notice. If the negative information on your report is correct, don't assume that it will limit your loan choices. Explain the situation to your lender and show them why there are good reasons for trusting you to repay the loan.

Save for a down payment
You'll need money for your down payment, closing costs, moving and other expenses. While many loan programs require you to have 3-5 percent of your own funds for the down payment, there are some programs available that will accept gifted funds, grants and other forms of down payment assistance.

Get preapproved for your loan
Before beginning your home search, speak with at least one lender to get pre-approved for a loan. This is a lender's estimate of the home you can afford and how much you can borrow. During your home search, take the time to research and compare several lenders and different mortgage programs so that you are ready to start the loan process when you find your dream house. Compare interest rates and terms, application fees, closing costs, down payment options and other required items like appraisal costs and title insurance requirements.

Be realistic
Your dream house could quickly turn into a nightmare if you spend more than you can really afford. Pick a house with a mortgage payment that will leave room for your other expenses, annual maintenance and emergencies. A general rule of thumb is that a household should spend no more than 28 percent of its income on housing expenses and no more than 43 percent of its income on all debt obligations (including the mortgage payment).

Consult with a NC Workforce Housing Specialist
Most buyers work with a REALTOR® when looking for a home that meets their needs. A REALTOR® typically is the one who presents your offer to purchase a home to the seller and assists you in completing the transaction. North Carolina Workforce Housing Specialists (WHS) are REALTORS® who have taken extra steps to learn about the federal, state and local housing programs specifically designed to help buyers that earn less than the area median income. They also work within the community to increase housing affordability for all citizens.





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