I'm working with ConsumerAffairs to write an informative article about North Carolina first-time homebuyer programs. I need North Carolina-based industry experts (e.g., real estate agents, brokers, credit unions, etc. - MUST be based in NC/service NC homebuyers) to share unique insights. To be considered, please answer the following questions (all or the ones you can answer): 1. What is the NC Home Advantage Mortgage? How does the down payment assistance work? Who is eligible for this program? Here, it’d be helpful to explain/cover 1) Overview of the NC Home Advantage Mortgage 2) Eligibility criteria and income limits 3) Benefits and potential drawbacks 2. What is the NC 1st Home Advantage Down Payment program? How much assistance is provided? What are the eligibility requirements? Here, it’d be helpful to explain/cover 1) Details of the $15,000 down payment assistance 2) Eligibility criteria including credit score and residency 3) Forgiveness terms and conditions 3. What assistance programs are available in Raleigh, Durham, and Charlotte? How do these programs differ from state-level options? What are the eligibility criteria for city-specific programs? Here, it’d be helpful to explain/cover 1) Overview of Raleigh, Durham, and Charlotte programs 2) Specific benefits and assistance amounts 3) Eligibility and application process 4. What is the Community Partners Loan Pool? How does it assist low- and moderate-income buyers? What are the repayment terms? Here, it’d be helpful to explain/cover 1) Explanation of the loan pool and its benefits 2) Eligibility criteria and income limits 3) Repayment and forgiveness terms 5. What is the Homeownership Assistance Program? Who qualifies for this program? How does it support storm-impacted communities? Here, it’d be helpful to explain/cover 1) Overview of the program and its goals 2) Eligibility criteria and application process 3) Impact on storm-impacted areas 6. What is the income limit for the NC Homeowner Assistance Fund? 7. How does the NC Home Advantage Tax Credit work? 8. What is the $15,000 NC Home Advantage program? 9. Does North Carolina offer a first-time home buyer program?

Home warranty experts to weigh in on home warranties for older homes

Published on: 9/24/2025

I'm working with ConsumerAffairs to write an informative article about home warranties for older homes. I need US-based industry experts (e.g., home warranty company execs, insurance agents who specialize in home warranties, real estate agents who frequently work with older homes, etc.) to share unique insights. To be considered, please answer the following questions (all or the ones you can answer — but if short on time, PLEASE prioritize more detailed answers to a few over surface-level answers to all of them): 1. What factors should be considered when selecting a home warranty? How can homeowners ensure they choose the right plan for their needs? Here, it would be helpful to detail the 1) Importance of reading the fine print and understanding coverage details 2) Tips for getting quotes and comparing providers 2. What does a home warranty cover for older homes? How does a home warranty differ from homeowners insurance? Here, it would be helpful to detail the 1) Explanation of home warranty coverage for systems and appliances 2) Differences between home warranties and homeowners insurance 3) Limitations and exclusions for older systems or appliances 3. What are the advantages and disadvantages of having a home warranty for an older home? How does a home warranty provide financial protection? Here, it would be helpful to detail the how/what/why of 1) Financial protection against unexpected repair costs 2) Peace of mind for homeowners with aging systems and appliances 4. How much is a home warranty for an older home, on average? What factors affect the quote a homeowner will get, and why? Finally, please provide: 1) your role/title, a link to your LinkedIn profile, company website, and company descriptor 2) a good email to follow up if needed (MUST be the source’s email) IMPORTANT: We can’t accept/use AI-written responses, or responses you’ve already submitted elsewhere. Also, I’m not looking for surface-level information easily found online. These questions are meant more as a guide to get more nuanced, in-depth expertise from you :) Please share relevant common hypothetical scenarios or client experiences to back up answers. Thanks!

Published on: 9/24/2025

Seeking auto industry expert perspectives on the cost of car ownership

Published on: 9/25/2025

Education / policy experts needed for opinions on state differences in public education

Published on: 9/24/2025

What does “Marry the house, date the rate” mean? What are the pros and cons? What about alternatives? At this time, I am looking for input from U.S.-based loan professionals and financial advisors/executives.

Published on: 9/24/2025

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