The Benefits of Homeownership in Charlotte, NC

Selling people on the idea of homeownership isn’t usually too hard. After all, it’s the quintessential American dream. From the sense of security to the sense of community, not to mention the financial benefits, the advantages of owning a home – especially a Vista home – are clear.

Our hard work, excellent craftsmanship, and natural creativity enable us to offer uncompromising value and quality, prime locations, and well-planned neighborhoods, creating the best new homes and communities in the Charlotte area.

Still on the fence? Totally understandable. Deciding to buy a home is among the biggest financial decisions that many people make. The benefits of homeownership – good location, financial stability, and a better lifestyle – are definitely worth considering.

What Are the Advantages of Homeownership in the Charlotte, NC Area?

Charlotte, North Carolina, is one of the fastest-growing cities in the U.S., offering an appealing mix of vibrant urban life and Southern charm. For those considering buying a home, knowing what are the advantages of homeownership in the Charlotte area is a great place to start.

One of the biggest benefits is affordability compared to other major cities. With a median home price lower than national averages, Charlotte offers great value for your investment in homeownership.
A growing economy, driven by the finance, technology, and healthcare sectors. This strong job market not only increases property demand but also enhances long-term home values.
A charming and healthy lifestyle. With family-friendly neighborhoods, top-tier schools, and access to outdoor recreational spaces, Charlotte is an ideal place to settle down.

Homeownership itself comes with many perks.

You build equity with every mortgage payment, leading to long-term financial stability.
Take advantage of tax benefits like property tax and mortgage interest deductions, mortgage credit certificates, and the home office deduction
Enjoy the stability that comes with no more worries about rising rent prices or unexpected relocations.
Additionally, in Charlotte, you can take advantage of North Carolina’s relatively low property taxes.

First-Time Home Buyer Programs in Charlotte

If this is your first time buying a home in Charlotte, NC, there are several programs to help make your dream a reality. Programs such as the NC Home Advantage Mortgage provide down payment assistance, while the House Charlotte program offers grants for eligible buyers. These programs are designed to make the home-buying process more accessible, especially for those who might need extra financial support.

$8,000 Down Payment Assistance Program – North Carolina Housing Finance Agency

The NC First Home Advantage Down Payment program from NCHFA is a popular home buyer program among first-time home buyers in the Charlotte region. The funds can be used for your down payment and closing costs.

3% and 5% Down Payment Assistance Programs

The NC Home Advantage Mortgage Program offers first-time home buyers either 3% or 5% of the purchase price in down payment assistance. Each home buyer program has its own specific benefits. Both programs can be used with an FHA, conventional, or VA loan.

100% Financing – No Down Payment Loan with no PMI

If you have great credit, there is a 100% financing home buyer program for you with no private mortgage insurance and no income limit. This is a great home buyer program if you are looking to purchase a home in the Charlotte NC area.

House Charlotte Program – $5,000 to $10,000 in down payment assistance

With the House Charlotte Program, the amount of assistance you could receive is based on your income, family size, and whether or not you work for Charlotte’s public services. There are three levels of assistance available – $5,000, $8,500, and $10,000.

HUD Home $100 Down Payment Program

The $100 down program is offered through the U.S. Government Housing and Urban Development (HUD) in the Charlotte region. With this HUD home buyer program, first-time home buyers can purchase a HUD-owned residential property with only $100 down payment and can request as much as 3% of the purchase price in seller concessions towards their closing costs.

Good Neighbor Next Door

The Good Neighbor Next Door program (GNND) is a first-time home buyer program sponsored by HUD. With this program, police officers, teachers, firefighters, and emergency technicians can purchase a qualifying HUD property for 50% of the listed price.

Overall, becoming a homeowner in Charlotte is a solid investment in both your financial future and quality of life.

New Construction Homes in Charlotte from the Best Home Builders

As one of the most trusted home builders in Charlotte, NC, Vista Homes offers a variety of innovative floorplans and available new homes in Charlotte’s best neighborhoods, giving you plenty of options when searching for your perfect home.

What Makes Us Different

Whether you want a townhome in a close-knit neighborhood with easy access to fun activities or prefer a single family home in a quieter suburban-like setting, our homes are designed to suit different lifestyles.

Better, inside & out. Our homes are built with high-quality materials, energy-efficient designs, and distinctive features that allow you to create the home of your dreams.
So many choices. You can pick from any of our floorplans, choose from a variety of selection packages, and make it the perfect home for you!
It’s all about you. Customer service is one of our highest priorities. You can expect us to be by your side throughout the process, whether it’s a bi-weekly progress call or a quick response to any and all questions.
We’re locals. Vista Homes is passionate about Charlotte – its people, its culture, its past and its future. As new home builders in Charlotte, we know the area inside and out because we live in these neighborhoods and want to help you find the neighborhood that’s right for you.

Our Process

We know the process of building a new home can be overwhelming, and we decided that’s not our style. So, we restructured the process to make it seamless and simple, because our homebuyers have inspired us to be perfectly different.

At Vista Homes, we combine our experience, expertise and exceptional knack for customer service to create the easiest and most enjoyable building process possible.

Our process consists of 4 simple steps:

Getting to know you and your new home needs.
Choosing your floor plan + selections.
Construction of your new Vista home.
Move in and experience lifelong happiness!

Our Design Features

We believe that your home design should not only be fresh and contemporary, but as distinctive as you are. We continuously change and improve our designs. We are inspired by the people and places here in Charlotte and our new homes reflect that. Our homes are meant to inspire you too.

Each Vista Home offers hundreds of design choices, from countertops to cabinets to bathroom tile. Here are just a few of the luxury design features in our new homes:

10-foot ceilings on the first floor; 9-foot ceilings on second floor
Engineered hardwoods throughout living areas and EverStrand Carpeting in bedrooms
Shaker-style cabinets in kitchen and bathrooms
Quartz countertops
Stainless steel appliances
Walk-in showers with tile surround in master bath
Stunning contemporary lighting

As one of the premier home builders in Charlotte, we invite you to explore our homes and floorplans – and find the one that speaks to you.

Connect with Vista Homes Today!

New construction homes in Charlotte come with so many positive benefits of homeownership. When looking for a home with cost savings, energy efficiency, modern floor plans, and warranties situated in prime locations, look no further than a Vista home in one of Charlotte’s best neighborhoods.

Take a moment to browse our portfolio of floorplans and our available homes. Then, connect with us when you find one you love or if you have any questions.

"Vista Homes builds their homes with no detail left behind. The homes are crafted with not only high-end finishes but with a family’s every day use in mind. They utilize every sqft to maximize your needs. The process from start to finish was nothing less than enjoyable. Mariessa and Chandler were both absolutely wonderful to work with and I’m so thankful I chose a Vista Home."

Hali E.
“After working with Vista Homes for over two years and being a part of hundreds of custom home builders in Charlotte, I can say there is not another builder with the talent and processes to ensure a quality build from start to finish like Vista Homes. With their understanding of the Charlotte real estate market, current construction standards, and systems to ensure a quality product. The value Vista Homes provides for their customers is unmatched.”

Michael A.
"I used Vista Homes to purchase my very first home and from beginning to end the process was seamless. I had biweekly calls with Chandler (the best there ever was) where she gave me updates and was super transparent about everything. Every single update was communicated effectively via email or on our calls! I was SO impressed. Never did I feel left out or unsure about what was happening during the building process. Then there is Mariessa... whenever I had a random odd question she always had an answer. Needless to say I had a fantastic experience with my first home and I would highly recommend Vista!"

Brantley B.
“During the homebuying process, we came across what is now our beautiful Vista home. We spent countless days and nights researching and making sure we were making the best decision possible. The process was made easier by all of the help provided by Vista Homes and their fantastic team. They’ve held up their end of the bargain and still, even after a year plus, have been helpful in resolving any issues I have had. We would definitely recommend working with Vista Homes!”

David R.
"Vista (specifically Chandler and Mariessa) were amazing to work with. They kept me informed throughout the process and answered my million questions. I would highly recommend them to anyone! I felt very informed and kept up to date on everything happening throughout the process. They were also super flexible in working around my schedule."

Kelsey P.
“Quality was top notch and our home was completed ahead of schedule. Communication and transparency were amazing. Mariessa and Chandler also went above and beyond to answer all of our questions and make sure any concerns were addressed. We are so grateful to have worked with Mariessa, Chandler, and the rest of the Vista team.”

John P. and Karina V.
“We have been so pleased with our new Vista home! The floorplan and finishes were exactly what we were looking for in a new home in NoDa. The project managers, sales coordinator, and other services we received in regards to our home were top-notch. Special thanks to Ariel, who addressed every detail and made it all so perfect! Thank you Vista Homes for building just where we wanted to be! We couldn’t be happier with our new home.”

Melissa L.
“Can I give 10 stars?! Vista Homes is by far my vote for the best quality, most honest, and overall most knowledgeable builder in the Charlotte area. I have completed probably a dozen deals with Vista and each experience is somehow better than the last! The whole team is great- everyone from ownership, sales people, admin/office crew to contractors. Anyone looking for the best possible experience when building a new home should without a doubt call these guys!”

Garrett K.
“For over 20 years, I have worked with clients buying new construction homes in Charlotte. If you are looking for a home in the area, reach out to Vista Homes. They build beautiful, high quality homes at a reasonable price for all that they offer. Despite being in thousands of homes in and around the region, I’m still in awe every time I pull up to a Vista property. Just gorgeous!”

Tim A.
"The entire Vista Team is top notch. They are extremely detailed, responsive, communicative, and they care. Vista and team go above and beyond to make sure you have a great experience and they want you to be happy with your new home. I have worked with Vista on a few new builds and I will continue to refer my clients to them."

Anne M.
“We love our Vista home! The Vista team was easy to work with and very responsive. We found our own lot and worked with Vista to build on it. It was perfect, as we were able to save some costs compared to a custom build and not have to stress about every little detail. We get complimented often on the quality of our finishes, fixtures, and appliances, which are all standard in Vista homes!”

Nicole B.
“We have been in our Vista Home for over a year and still can't believe we’re fortunate enough to live here! Vista provided us with our dream home at an incredible value. A recent appraisal estimates that we have gained $70k in equity already. If you are looking for a beautiful, quality home in some of the hottest areas in Charlotte. I highly recommend you look at a Vista home."

David S. and Catherine C.