North CarolinaMost of the people have a big dream of owning their own home; of owning a place which they can call their own. But unfortunately, owning a home is no easy task. With increasing housing costs and turbulent economic conditions, most of the households in North Carolina are not able to purchase their own home.

USDA Mortgages in North Carolina

If you are a resident of counties such as Bertie, Bladen, Caldwell, Clay, Halifax, Macon, Mitchell, Pamlico, Stanly among others within North Carolina, then you have an excellent chance of getting approval for USDA mortgage program. US government along with USDA (United States Department of Agriculture) has introduced an excellent housing development program which has been designed to assist those households who cannot afford their own home.

Some of the advantages of USDA Mortgages in North Carolina are:

  • Loan can be used to buy new home, repair or renovate existing home or even relocate to a new home
  • Easy credit check
  • Flexible income limit criteria
  • 100% Finance available
  • Zero Down Payment option
  • Fixed interest rate for whole loan tenure
  • Long loan repayment period (up to 30 years)
  • Backed by US Government and fully legal mortgage program

USDA Mortgages in North Carolina – Non Eligible Counties

There are some counties which are not eligible for this special mortgage program. Some of these states are:

  • Alamance
  • Buncombe
  • Burke
  • Cabarrus
  • Catawba
  • Craven
  • Cumberland
  • Davidson
  • Durham
  • Edgecombe
  • Gaston
  • Guilford
  • Iredell
  • Lenoir

Please visit the official website of USDA to get the complete list of all eligible as well as non-eligible counties in North Carolina by clicking here:

USDA Mortgages in North Carolina – Income Limits

In order to filter out those families and households who can afford their own home with their personal finance, US government has set a specific income limit which is considered before granting approval of this mortgage program. For instance, for a household of 4 members in Greenville, the annual income should fall between $29550 and $98650 in order to get approval for guaranteed housing development program. Please visit the official website of USDA to get the complete list of income limit based on the country and number of members in the household:

This is a golden opportunity for those households which have a dream of owning their own home, but cannot afford due to several factors. USDA Mortgages in North Carolina has been designed to help such households – Don’t let it go! You can start the process of applying for USDA mortgages right away by filling the short form in the right hand side of this webpage and/or by calling us at 877-342-7449 .