If you are a typical Raleigh family who lives in Wake County and is a first time home buyer with two children and a household income that is less than $62,500 you could qualify for assistance Down Payment Grant from the State of North Carolina of up to $8,000 to be used towards the purchase of a new home priced up to $220,000 or an existing home up to $210,000! Another little know down payment grant is available from the Federal Home Loan Savings Bank of Atlanta that will actually give you a five to one (5:1) matching program towards your down payment, points and closing costs!

Scam artists are nothing new, but there are plenty of reasons to predict there will even more of them due to tough economic times. While they tend to prey on the elderly, anyone who is not cautious and informed is a potential victim. Your best defense is a skeptical mind and knowing what to look out for when you hear that offer that’s “too good to refuse.” Here are some of the most popular, and costly, home improvement scams.

North Carolina homeowners who are struggling to make their mortgage payments due to job loss or temporary financial hardship. For qualified homeowners, the fund can provide an interest-free loan of up to $36,000 to pay your mortgage and other related expenses for up to 36 months.