Pre Loader

North Carolina FHA Loans are one of the easiest mortgage loans to qualify for.  The FHA program now allows credit scores at 580 and below. FHA requires a low down payment at 3.5% down. If you’re in the market for a home, you owe it to yourself to research North Carolina FHA loan options!

Do You Have Credit Issues? Don't Be Discouraged. Press Play To Learn More Below!

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We are also available anytime at:  (980) 220-2521

We're here to answer all of your questions about FHA loans!

Frequently Asked Questions

That is ok! Many times the sellers can pay all of your closing costs. This way you will only be responsible for the 3.5% down payment.

Don’t forget you can receive the 3.5% as a gift from a family member or you can receive the 3.5% down payment from your 401k.

Please move forward with the application and let our team give you guidance on what needs to be done to improve your scores. In some cases you could possibly be pre-qualified with scores below 580 if you put more than 3.5% down. Our team will take the time with every single applicant to make sure a long term plan is put in place so you can own a home.

That isn’t true. You may be approved 2 years after the discharge date of a Chapter 7 or Chapter 11 bankruptcy. For a Chapter 13 bankruptcy, you may still be approved while you are in repayment.

You will need to wait 3 years from the foreclosure date before you can qualify for a FHA mortgage.

This program is available in every area of North Carolina! And the good news is we have a team of people available to help, no matter the area!

AmeriFirst Financial, Inc. dba AFI Mortgage , 1550 E. McKellips Road, Suite 117, Mesa, AZ 85203 (NMLS # 145368). 1-877-276-1974. © 2022. All Rights Reserved. This is not an offer to enter into an agreement. Not all customers will qualify. Information, rates, and programs are subject to change without prior notice. All products are subject to credit and property approval. Not all products are available in all states or for all loan amounts. Other restrictions and limitations apply. AmeriFirst Financial, Inc. is an independent mortgage lender and is not affiliated with the Department of Housing and Urban Development or the Federal Housing Administration. Not intended for legal or financial advice. Visit for all state licenses information. Visit NMLS Consumer Access at

Licensed by The Department of Financial Protection and Innovation under the California Residential Mortgage Lending Act.

Not intended for legal or financial advice. Consult your own professionals if such advice is sought. NMLS Nationwide Mortgage Licensing System & Registry Consumer Access. HUD Fair Housing & Equal Opportunity.


Robert Cotton- Branch Manager – NMLS 380404