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.

State and Federal Foreclosure Help and Information

These websites provide information about other state and federal programs that offer financial and foreclosure prevention resources.

State Resources


State Home Foreclosure Prevention Project
(NC Housing Finance Agency)

The State Home Foreclosure Prevention Project (SHFPP) was created by emergency legislation to provide free assistance to North Carolina borrowers. SHFPP is a partnership, led by the NC Housing Finance Agency, to reduce foreclosures in North Carolina. Partners include state and federal agencies, housing counselors, legal assistance organizations, mortgage servicers and community organizations. If you have received a 45-day, pre-foreclosure notice, you may be eligible for assistance from the Project.  If you have received a foreclosure help letter from the NC Housing Finance Agency, call 1-888-442-8188.



Avoiding and Reporting Scams and Fraud (NC Attorney General's Office)

The NC Attorney General’s office in the NC Department of Justice investigates top mortgage companies to make sure their foreclosure processes are fair and legal. The Consumer Protection Division offers valuable tips on how to recognize and avoid fraudulent “come-ons” that unscrupulous companies may use to lure and take unfair advantage of struggling homeowners, plus a way to report scams by phone or online.


Federal Resources



Making Home Affordable (US Treasury)

The Making Home Affordable Program helps eligible homeowners modify or refinance their mortgages to make monthly payments more affordable.  It also includes the Home Affordable Foreclosure Alternatives Program for homeowners who are interested in a short sale or deed-in-lieu of foreclosure.  Here you will find tips on avoiding foreclosure rescue scams, a loan look-up tool, links to HUD-approved housing counselors, and a pre-counseling paperwork checklist. 
For immediate assistance, call 1-888-995-HOPE (4673).



Avoiding Foreclosure (US Department of Housing and Urban Development)

The Department of Housing and Urban Development (HUD) partners with a network of approved housing counselors throughout the country.  Learn how to locate and contact your lender, and also get practical advice on avoiding foreclosure, prioritizing spending and recognizing scams.  The HUD website also provides information on loan work-out options, rental assistance and relocation resources. 



Working Together for Strong Communities: Foreclosure Resources (Neighborworks® America)

This public-private partnership fosters strong neighborhoods through its network of independent, community-based nonprofit organizations.  These serve homeowners in communities across North Carolina using funds provided through the National Foreclosure Mitigation Counseling Program.  Get the information and assistance you need to avoid foreclosure, learn budget and money management tips and find counseling partners at this website.



Avoiding Foreclosure (Freddie Mac)

This shareholder-owned company chartered by Congress buys mortgages from approved lenders to stabilize the nation’s residential mortgage markets and expand opportunities for affordable homeownership.  Freddie Mac works with lenders to provide loan modifications or workout options for struggling homeowners, helps homeowners remain in their homes as renters following foreclosure and partners with non-profits to provide financial counseling.  The website also provides a list of early warning signs of foreclosure risk; lists options available from lenders to help homeowners avoid foreclosure; and gives detailed definitions of foreclosure, housing and credit terms.



Know Your Options (Fannie Mae)

This shareholder-owned company, also chartered by Congress, works with mortgage lenders to make sure they have funds to lend to homebuyers at affordable rates.  The Know Your Options website provides a detailed overview of all options available to homeowners to help them remain in their homes and avoid foreclosure.  Also available are list of steps to take when facing foreclosure and useful forms—including a financial checklist and a contact log for tracking contacts with lenders and housing counselors.



Foreclosure Resources for Consumers (US Federal Reserve System)

The central bank of the US offers homeowners five tips for avoiding home foreclosure, including short- and long-term solutions problems, as well as options to consider if keeping your home is no longer possible.  The website also helps consumers identify the risks associated with using their home as security against a high-cost second mortgage.