lets dive in
First-Time Home Buyer in North Carolina
FROM RENTER TO HOMEOWNER: THE JOURNEY BEGINS NOW
FIND OUT HOW WE CAN HELP
Choosing the right realtor is a big deal, and we’re here to make it an easy one. At Jacie and Company, we’re all about helping you find the home where your next chapter can begin! With our local expertise and commitment to making the process fun and stress-free, we’ll make sure your first homebuying experience is one you’ll always look back on with a smile!
Choosing the right realtor is a big decision as a first-time home buyer in North Carolina, and at Jacie and Company, we're here to make it simple.
We're not just focused on finding you a house — we're here to help you discover a home across Raleigh, Wilmington, and the Triangle where your next chapter begins. More than real estate experts, we're your guides, advocates, and biggest supporters throughout the home buying process. With deep knowledge of our local markets, guidance on your options — including down payment assistance programs — and a passion for making it fun, we'll make sure your first-time home buying experience is successful and memorable. Let's make your dream home a reality, together.
oh hey, first time home buyer!
YOU'RE IN THE RIGHT PLACE
Your First Home Deserves the Perfect Partner—Here’s Why We’re the One.
a real estate agent who gets what you’re looking for.
find your perfect match
get cozy with a lender
Unlock the Perks of Grants and Assistance
Think new
seller concessions
you’ll need one to make your dream a reality.
find your perfect match
get cozy with a lender
Unlock the Perks of Grants and Assistance
Think new
seller concessions
boost your budget.
find your perfect match
get cozy with a lender
Unlock the Perks of Grants and Assistance
Think new
seller concessions
discover why new construction might be your ideal choice.
find your perfect match
get cozy with a lender
Unlock the Perks of Grants and Assistance
Think new
seller concessions
crack the code on seller concessions.
find your perfect match
get cozy with a lender
Unlock the Perks of Grants and Assistance
Think new
seller concessions
mATT'S website
Working with first-time homebuyers is a true joy. I get to guide them through every step of the process, helping turn their homeownership dreams into reality. They're often excited but cautious, and I take pride in being their trusted mortgage professional. It’s not their job to know every detail—that's where Jacie and I come in. We ensure they have a smooth experience, providing the tools and guidance needed to confidently reach the closing table. I often tell clients, Just like I rely on a doctor for expert advice on my health, you can rely on us to navigate your home purchase. We’ll walk you through every step and keep the joy alive on this incredible journey.
Personal NMLS2120388 Branch NMLS2418650 company NMLS3029
WITH ALTA HOME LENDING
MEET MATT VALENTINE
Working with First-Time Homebuyers is a treat. It gives me the privilege of explaining the process from start to finish with individuals who are eager to begin their homeownership dream. They are excited but timid, and I take pride in being their go-to mortgage professional. No question should be left unasked or unanswered. It isn’t the first-time buyers job to know the ins and outs of purchasing a home. It is mine, and my partner, Jacie’s job to ensure they have a smooth transition and to give them the tools necessary to confidently make their way to the closing table. An analogy I always give my clients is this, “I go to the doctor to ask advice on how to feel better." Why? Because I don’t know what illness I have or what medication I need to heal. I simply don’t have expertise in the medical profession. Clients come to me and Jacie because they need advice on how to purchase a home. It is NOT a client’s responsibility to know every answer or even the next steps. With gladness, I will walk you through each step in the process and do my best to keep the joy through this admirable journey you have chosen.
- Up to $5,250 down payment assistance
- At least ONE borrower must be a FTHB
- Max LTV must be 97%
- Borrower must contribute at least 1% of purchase price
Smart Start
- $15,000 down payment assistance
- DTI less than 45%
- 640+ credit score (must show two reporting scores)
- Must occupy the home as a primary residence
NC 1st Home Advantage Down Payment Program
- 3% down payment assistance (not just first-time homebuyers)
- DTI less than 45%
- 640+ credit score (must show two reporting scores)
- Must occupy the home as a primary residence
NC Home Advantage Mortgage Program
Interested in more down payment assistance or first time home buyer grants?
Anna brock
Jacie is amazing! She helped us along the way for the purchase of our new home, just north of Wilmington. We house/neighborhood hunted with her, and months later when our house was complete, she provided us with every detail we needed to close. Jacie also gave us helpful information like general/seasonal house upkeep, which was so nice to receive as first-time homeowners! She is so kind, easy to be around and we love her. When the time comes to sell, we will definitely be using her or anyone with Jacie & Company (we met Sarah a few times as well, she is amazing too)!
"She provided us with every detail we needed to close...which was so nice to receive as first-time homeowners!"
jacie@jacieandcompany.com
(910) 520-5660
Meet THE OWNER OF JCO
Hey There, I'm Jacie
I approach your journey as a one-of-a-kind adventure. Together, we'll navigate the process authentically, with open communication, dedication, and a sprinkle of fun along the way! When you close on your home, you become a part of the JCo family for a lifetime, and we treasure and celebrate you!
Everything first time home buyers want to know before they buy
A few of the biggest ones are shopping before understanding your numbers, stretching your budget too far, focusing only on the purchase price instead of the monthly payment, or making big financial changes while you’re under contract. The good news is, having a great agent and lender in your corner can help you avoid most of those surprises.
5. What mistakes should first-time buyers avoid?
It usually starts with financing, then comes the fun part — finding your home! From there, we’ll help you through the offer, due diligence, inspections, appraisal, final loan approval, and closing. There are a lot of little steps along the way, but you won’t have to figure them out alone. We’ll be right there guiding you through each one.
4. What does the home-buying process actually look like?
There are several options that may be available depending on your income, location, credit, and loan type, including certain NC Housing Finance Agency programs, FHA loans, USDA loans in eligible areas, and other assistance programs. We’ll help connect you with a lender who can look at your specific situation and see what you qualify for.
3. What first-time homebuyer programs are available in NC?
Often less than people expect! Depending on the loan program, there are options with lower down payments, and some buyers may qualify for down-payment assistance too. We’ll connect you with a trusted lender who can walk you through the numbers and help you find the option that feels best for you.
2. How much do I need for a down payment as a first-time buyer?
You may be closer than you think! You don’t need to have every detail figured out before starting the conversation. We’ll help you look at your goals, timeline, savings, and next steps so you know exactly where you stand and the process feels exciting instead of overwhelming.
1. How do I know if I’m ready to buy my first home?
Your Home buying Questions, Answered
Freebies
Rest assured that together, we can help you navigate the process with ease. We'll outline the steps and create a plan together, so you don't have to do any of the heavy lifting.
From setting a budget, to finding the right neighborhood, negotiating the best terms for you & creating a smooth close, this booklet will be your guide.
Buyer's Guide
Freebies
I agree to be contacted by Jacie and Company Real Estate via call, email, and text. To opt-out, you can reply 'stop' at any time or click the unsubscribe link in the emails. Message and data rates may apply. [Link to Privacy Policy].
