this is a non-repayable grants/gifts program available to first-time homeowners to cover down payment and closing costs. Also provided are free Homebuyer Education Courses, free Balanced Budget Spending Plans, free Credit Counseling Services as well as Post Purchase and Homeownership Maintenance Counseling to any resident in North Carolina. Income is not a limiting factor; however, all applicants are required to take the two educational courses provided by Home Grants. In order for a grant recipient to use Home Grants’ funds, they must be approved for an acceptable loan product that permits charitable organizations to provide gift funds. Contact: North Carolina Housing Assistance; (704) 385-3973

Visit: www.northcarolinahousing.org