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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.

How Can I Get Help With Home Mortgage Payments?

how can i get help

If you have lost your job or are recovering from a temporary financial hardship, such as divorce, a serious illness, death of a co-owner or a natural disaster, find out if you are eligible for help from the NC Foreclosure Prevention Fund in one of three ways:

  1. Contact a housing counselor in a partner agency located near you.
  2. Call 1-888-623-8631 (Monday through Friday, 9 a.m. to 5 p.m.).
  3. Go to “Am I Eligible,” read eligibility guidelines, and click on “Find Out if You Are Eligible For Help From the NC Foreclosure Prevention Fund” and complete the questionnaire. If you are deemed eligible, you will be given the option of applying online or finding a housing counseling organization in your area.

The NC Foreclosure Prevention Fund partners with HUD-approved counseling agencies across the state. These agencies are dedicated to helping struggling homeowners by offering:

  • free foreclosure prevention help.
  • information about other housing help programs in case you don’t qualify for a loan through the NC Foreclosure Prevention Fund.

It may be helpful to read through this website about What We Offer and take a short eligibility questionnaire before you contact a local housing counselor. If the questionnaire reveals you may be eligible, you will have the option to apply online if you choose.

Some agencies serve multiple counties and may have satellite offices in your community. Scroll over your county on the map linked below to learn which agency to contact for help. Contact a counselor with questions or to set up an appointment. If you are scheduling an appointment, ask the counselor what documents you should bring with you.

Contact a Counselor (MAP)

Video: What to Expect When You Meet with a Counselor


State Home Foreclosure Prevention Project

If you are facing foreclosure for any reason and you have received a 45-day, pre-foreclosure notice, you may be eligible for assistance from the State Home Foreclosure Prevention Project. There are no credit restrictions for this help. If you have received a foreclosure help letter from the NC Housing Finance Agency, call 1-888-442-8188.