My daddy always says that we “Get Rural Fast” in North Carolina… one minute you can be neighborhood after neighborhood, and 25 minutes later you are in the country! This works well for those who are looking for a home with no down payment requirements! Fortunately, we’re not like other states, because the list of NC Counties that qualify for USDA Home Loans is a really long one (100 counties to be exact).
Currently – every square mile of 73 North Carolina counties qualify for USDA Home Loan financing! Look at the map below – if there’s no star in the county – the whole county qualifies for this financing!
BUT, as an update to this post, the newest 2010 Census Numbers could be changing where you can get a USDA Home Loan in NC starting on December 1, 2014! Yikes!
There are five counties that are generally considered part of the “Triangle” in the middle of the state… Wake, Durham, Johnston, Orange, and Chatham. All of Johnston County and Chatham County qualifies for USDA Mortgage Loans – much of Orange County qualifies, and there are many areas in Durham and Wake county that qualify too!
You can watch a video that explains how to go onto the USDA Website and look up a specific property address!
To learn more about USDA Home Loan Qualifications in North Carolina Click Here.
If you are considering a home purchase in North Carolina, and you want more information on the USDA Home Loan program – please call Steve and Eleanor Thorne, 919-649-5058. We are NC USDA Home Loan Experts!