Jill Burgess, NMLS #100425 · Preferred NCHFA Loan Officer
NC Home Advantage Mortgage and Down Payment Help in the Triad
First-time buyer and veteran down payment options across the Triad. Preferred NCHFA loan officer Jill Burgess, NMLS #100425, helps you compare paths; confirm current program rules and eligibility.
NC Home Advantage mortgage and down payment help
Overview
Start with your timeline, county, household size, buyer status, and target property. NC Home Advantage may offer up to 3% down-payment assistance for an eligible borrower; soft borrower guidance is a ceiling of about $158,000. NC 1st may offer $15,000 for eligible Guilford County households; soft income guidance is about $110,000 for one to two people or about $126,000 for three or more, subject to current rules. These tracks are separate and should not be combined. Greensboro Housing Connect may be a soft-stacking option with city confirmation; see /housing-connect-greensboro. Jill reviews fit, documents, and next steps. Confirm current rules with nchfa.com, the City of Greensboro, and Jill at (336) 740-9068.
See how NC Home Advantage fits with local city and county help in the Triad Down Payment Assistance Guide 2026.
A short path from conversation to closing; programs and amounts change.
Process
Start with a conversation about your timeline, location, and buyer status. Jill reviews program fit, coordinates documentation, and stays available through closing.
NC Home Advantage, Housing Connect, and Team Burgess support
Frequently Asked Questions
This page covers two distinct assistance tracks. NC Home Advantage may offer up to 3% down payment assistance for an eligible borrower and uses program limits that can change; Guilford County NC 1st may offer about $15,000 for an eligible household within its own income and purchase limits. These figures are separate and should not be combined. Housing Connect Greensboro may also be a soft-stacking conversation; confirm current availability with the City and Jill. For Spanish support, Katherine Collins (NMLS #1674089, katherine.collins@amerisbank.com) is Team Burgess—Jill’s Spanish-speaking assistant, not a separate shop. Call (336) 740-9068.
NC Home Advantage Mortgage is an NCHFA program for eligible North Carolina buyers. Through a participating lender, it may pair with up to 3% down payment assistance; the NC 1st $15,000 option has additional rules. Educational only—not a commitment to lend. Confirm current rules on nchfa.com with Jill at (336) 740-9068.
These are separate tracks. NC Home Advantage may offer up to 3% DPA with a soft borrower-income ceiling near $158,000. NC 1st Home Advantage may offer $15,000 and uses household income limits; Guilford is soft near $110,000 for 1–2 people and $126,000 for 3+. Do not mix caps; confirm on nchfa.com.
You may be eligible if you qualify for NC Home Advantage and are a first-time buyer, military veteran, or buying in a targeted census tract, plus current income, sales-price, residency, occupancy, and credit rules. Confirm current guidelines with Jill and nchfa.com.
Not necessarily. NCHFA lists military veterans as a possible NC 1st path when they also qualify for NC Home Advantage. Confirm veteran documentation and current rules with Jill or NCHFA.
No. NCHFA describes NC 1st as a 0% deferred second mortgage, forgiven under program rules over years 11–15. Repayment or recapture can apply if you sell, refinance, or stop occupying early. Review terms with Jill.
NCHFA lists 640 or higher for NC 1st Home Advantage and 660 for manufactured homes. Lender overlays may be higher. Confirm Ameris requirements with Jill; this is not a guarantee of approval.
Common eligible types include single-family homes, townhouses, condos, and manufactured homes; the broader product may also list duplexes. Property and project rules must clear current NCHFA and lender underwriting. Confirm on nchfa.com.
Possibly, when both programs allow it. Housing Connect is often described as up to about $25,000 for qualifying buyers; confirm current amount and eligibility with the City and Jill. See /housing-connect-greensboro; do not treat blog totals as official.
Many first-time and down-payment paths expect or require education; Housing Connect often requires a certificate. Ask Jill what your specific NCHFA and city combination requires so timing does not delay closing.
Soft confirm on nchfa.com: NC Home Advantage with up to 3% DPA is near a $158,000 borrower ceiling; Guilford NC 1st household bands are recently near $110,000 for 1–2 people and $126,000 for 3+. Use the live tool and confirm with Jill at (336) 740-9068. Limits change.
Call (336) 740-9068. Jill reviews your timeline, location, first-time or veteran status, which NCHFA path may fit, and any Greensboro options, then coordinates pre-approval through Ameris Bank. Programs change; this is not a commitment to lend.
Apoyo en español con Jill Burgess
Español — Team Burgess
Katherine Collins (NMLS #1674089; katherine.collins@amerisbank.com) is Team Burgess—Jill Burgess’s Spanish-speaking assistant, not a separate shop. She helps Spanish-speaking homebuyers communicate with Jill and understand next steps. Confirm current program details and eligibility with nchfa.com or the City of Greensboro. Call Jill at (336) 740-9068.