The N.C. Foreclosure Prevention Fund is offered by the North Carolina Housing Finance Agency, a self-supporting state agency, using funds provided by the U.S. Treasury.

N.C. Foreclosure Prevention Fund

Many North Carolina homeowners are struggling now to make their mortgage payments due to job loss or reduction of income through no fault of their own or because of an unforeseen temporary financial hardship, such as a divorce, serious illness or death of a co-signer. The Fund also assists veterans who are seeking work or in long-term job retraining after being honorably discharged. If you are searching for help, be assured that you are not alone. The N.C. Foreclosure Prevention Fund is here to help you avoid foreclosure.

The Mortgage Payment Program offers zero-interest loans of up to $36,000 to pay your mortgage and other related expenses for up to 36 months. The loan can also be used to bring mortgage payments current.

The Second Mortgage Refinance Program may help you refinance a high-cost second mortgage and reduce your monthly payments to an affordable level.

Avoid Scams: Foreclosure help is free through our counseling partners. The N.C. Attorney General's Office provides information on how to recognize and avoid scams.