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Do You Already Own Your Home?

Avoid Foreclosure

You do not need to face the threat of foreclosure alone. The state offers free resources, including housing counseling and help communicating with your servicer, to help you hold on to your home.

  • Single-Family Rehabilitation Program

    Our Single-Family Rehabilitation (SFR) program finances major repairs for North Carolina homeowners who are elderly or have disabilities and whose incomes are below 80% of the median for their area.

  • Urgent Repair Program

    Our Urgent Repair Program (URP) finances emergency home repairs for North Carolina homeowners who are elderly or have special needs and whose incomes are below 50% of the median for their area. 

  • Q:

    Where do I send my hazard insurance bill and/or my property tax bill if the NC Housing Finance Agency is servicing my loan?

    A:

    Please mail your hazard insurance bill and property tax bills to:

    North Carolina Housing Finance Agency
    ATTN: Customer Service
    PO Box 28066
    Raleigh, NC  27611-8066

  • Q:

    How do I request a payoff quote for my NC Housing Finance Agency loan?

    A:

    Email your request to mgmoss@nchfa.com.  Please be sure to include your name, address, NCHFA account number and an address or fax number for us to send the payoff quote to you.

  • Q:

    How do I make a payment on my NC Housing Finance Agency loan?

    A:

    Please mail your payment to the address below. Make sure to use your coupon and write your account number on your check.

     North Carolina Housing Finance Agency
     PO Box 603234
     Charlotte, NC  28260-3234
  • Q:

    What if I decide to sell?

    A:

    The new buyers may be able to assume your mortgage. Conventional loans, however, are not assumable. In addition, the price limits for existing homes apply for resales. A federal law commonly known as “recapture tax” may affect homeowners whose mortgages are financed using Mortgage Revenue Bonds or if you have received a Mortgage Credit Certificate. (The N.C. Home Advantage Mortgage™ is not subject to recapture tax.)