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First-Time Home Buyer Loans in Charlotte NC | Programs Guide

Trevor Higgins Charlotte mortgage loan officer
Written By
Trevor Higgins
Mortgage Loan Officer & Branch Manager · Fairway Home Mortgage · NMLS #1410557
Trevor Higgins is a Charlotte NC mortgage loan officer with 12+ years of lending experience, 520+ verified 5-star reviews, and a 98% on-time closing rate. He specializes in FHA, VA, USDA, conventional, jumbo, and DSCR investor loans — lending nationwide from Charlotte, NC.
NMLS #1410557 12+ Years Experience 520+ 5-Star Reviews Charlotte NC Full Bio →

Charlotte is one of the best cities in the Southeast for first-time buyers. Here’s how to access the programs available to you.

  • FHA loans — low down payment, flexible credit
  • Conventional 97 — 3% down, PMI cancels
  • VA — $0 down for veterans
  • USDA — $0 down in eligible areas
  • NC Home Advantage — DPA up to 5%

Start your first-time buyer journey here

Ready to Take the Next Step?

Free 15-minute consultation. 24-hour pre-approval. Charlotte's most reviewed mortgage team.

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