For Realtors · North Carolina
Win more North Carolina offers with a Verified Readiness Passport
Turn every North Carolina buyer into a verified, shareable proof-of-readiness. Listing agents verify in 3 seconds — no PDF pre-approval, no "let me check with the lender."
Verified passports
A tamper-proof URL every North Carolina listing agent can verify in seconds. Beats a static PDF pre-approval every time.
NCHFA DPA matched
Your buyers get matched to North Carolina Housing Finance Agency DPA programs automatically. Show up to a listing meeting knowing the buyer's real budget.
LO handoff protected
Buyers who need an LO get routed to your preferred partner (or ours). Your referral relationship is preserved end-to-end.
What ReadinessIQ knows about North Carolina's market
North Carolina Housing Finance Agency
Programs matched into every buyer's dashboard:
NC Home Advantage Mortgage
Up to 3% DPA as a forgivable grant (forgiven 20% per year, years 11–15).
NC 1st Home Advantage Down Payment
Flat $15,000 DPA for first-time buyers and military veterans.
NC Home Advantage Tax Credit (MCC)
30% (existing) or 50% (new construction) mortgage interest tax credit up to $2,000/yr.
NCHFA caps income at $126,000 statewide.
Market context
Highest single-unit FHA cap in North Carolina: $632,500
Mecklenburg (Charlotte)
FHA at $632,500 in Charlotte MSA.
Wake (Raleigh)
FHA at $632,500 in Raleigh MSA.
Durham
FHA at $632,500; strong DPA volume.
Guilford (Greensboro)
FHA at $524,225.
Metros with highest buyer density:
Charlotte · Raleigh · Greensboro · Durham · Winston-Salem
Realtor FAQ · North Carolina
- How does a Readiness Passport help my North Carolina buyer win multiple-offer situations?
- A Readiness Passport is a public, tamper-proof URL a listing agent can verify in 3 seconds. It shows your buyer is verified ready to close up to a specific dollar amount, backed by an underwriter's-level check on credit, income, and funds. In North Carolina's tight markets it functions as a stronger version of a pre-approval letter — no PDF, no editing, no doubt.
- Do I need my buyer to already have a loan officer to use ReadinessIQ?
- No. Buyers can complete the scorecard on their own. If they don't have an LO, RED hands them off to a North Carolina-licensed partner LO — your commission and referral relationship are protected in the workflow.
- What North Carolina down payment assistance is my buyer eligible for?
- ReadinessIQ checks every buyer against North Carolina Housing Finance Agency programs including NC Home Advantage Mortgage, NC 1st Home Advantage Down Payment, NC Home Advantage Tax Credit (MCC). Instead of you tracking AMI caps, you get a match list on the buyer's dashboard the minute they finish the scorecard.
- Where in North Carolina does ReadinessIQ have the most active buyers?
- Highest buyer density right now: Charlotte, Raleigh, Greensboro, Durham, Winston-Salem. If you list or show in any of those metros, you'll see the most match volume there — but the platform covers every North Carolina zip.
- How much does ReadinessIQ cost realtors in North Carolina?
- Realtor plans start free — up to 5 active buyers with a co-branded Readiness Passport. Producer plan is $49/mo for unlimited buyers, custom domain passport links, and CRM handoff. Team & brokerage plans priced per seat.