Mortgage and Lending with Universal American Mortgage Company NMLS 46083


FTHB & Shay Campbell

Does your buyer need down payment help in North Carolina?  If the answer is yes and your buyer is a first time home buyer there is help for you by working with a mortgage professional who offers the North Carolina Housing Finance Agency (NCHFA) down payment assistance program.  NCHFA can provide eligible borrowers with up to $8,000 in down payment assistance.  This money can be used for down payment, closing costs and setting up escrow accounts to pay taxes and insurance.


A few of the main guidelines are:

Ø  Must be a first time home buyer.  The definition of a first time home buyer is they have not own a home in the past three years.  There are a few exceptions.

Ø  Income must be within established county limits. Link to NCHFA.

Ø  Purchase a home with a purchase price of $225,000 or less.

Ø  Have reasonable credit.

Ø  Invest $1,000 of their own money in the transaction.

Couple this program with the historically low mortgage rates we enjoy now and there is not a better time for a first time home buyer to purchase a home.


Who Can You Call For Your Mortgage Needs in North Carolina?

Call Shay Campbell a licensed Loan Officer, NMLS# 46083, located in the Triangle area of NC, which includes Raleigh, Cary, Durham, Chapel Hill, Apex, Holly Springs, RTP and the counties of Wake, Durham, Johnston, Chatham and Orange.  Shay has over 13 years of originating experience in North Carolina and can assist you with FHA, VA, USDA, NCHFA and conventional loans.  He has a special interest in working with first time home buyers.  Shay can be contacted at 919-624-8614,  or visit his website at

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