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Funds for this program are limited. The last day for application submission to the North Carolina Housing Finance Agency (the Agency) is July 31, 2019, by 5 pm, so act quickly.


Gathering all documentation necessary to submit an application to the Agency can take up to 60 days. Please note, starting an application is not the same as a submitted application to the Agency. There will be no exceptions for applications not submitted to the Agency by 5 pm on July 31, 2019.


In addition, some housing counseling agencies may stop taking applications due to capacity. If you contact a counseling agency that is no longer working with the program, please contact our call center at 1-888-623-8631 to be redirected to another agency or obtain instructions on how you can apply directly online.


Hardest Hit Fund Fraud Alert

The NC Foreclosure Prevention Fund

The NC Foreclosure Prevention Fund helps North Carolina homeowners with home mortgage payments who are struggling due to job loss or temporary unemployment such as furlough, reduction of income or temporary financial hardship, such as divorce, health or illness, the death of a spouse or a natural disaster. The Fund also provides counseling and assistance to returning military veterans who are transitioning to civilian jobs.

For qualified homeowners, the NC Foreclosure Prevention Fund can help pay your mortgage and other related expenses for up to 18 months ($36,000) while you search or retrain for new employment. If you have returned to work or secured a fixed income after an eligible hardship but are earning less and are unable to pay your mortgage, you may be eligible to have your principal reduced to make your mortgage payment more affordable.




  • Have you lost job or become unemployed through no fault of your own?
  • Are you re-employed after a job loss or now on a fixed income but earning less money?
  • Have you had a temporary hardship requiring new employment such as divorce or health problems?
  • Are you a returning military veteran looking to retrain and enter a civilian career or new field?


If you’re not eligible for this program, you may get help from the State Home Foreclosure Prevention Project.

Fill out the form below and someone will contact you within one business day about how the NC Foreclosure Prevention Fund might help you.
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The NC Foreclosure Prevention Fund is offered by the North Carolina Housing Finance Agency, a self-supporting public agency, using funds provided by the US Treasury.



Monday through Friday, 9 a.m. - 5 p.m.




See if you qualify for assistance using our interactive eligibility tool.



Help is offered through local HUD-approved housing counseling organizations.


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