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Homeowner Tips & Resources

The NC Housing Finance Agency understands that this is a stressful and difficult time for many North Carolinians. The economic impacts of COVID-19 have hit homeowners hard and you may be continuing to face challenges in paying your housing-related expenses. We are committed to acting quickly and opening the NC Homeowner Assistance Fund program to applicants as soon as possible. You can learn more about our progress here. If you have not already done so, be sure to subscribe to our email list to be notified when the NC Homeowner Assistance Fund begins accepting applications.

Following are some tips & resources to assist you in the meantime.

Homeowner Tips

  • Continue to reach out to your loan servicer to explore available options. They may be able to offer immediate resolution such as loan modification, payment deferral, partial claim or other options to cure the default.
  • Return calls from your loan servicer’s customer service or loss mitigation departments and provide them with any necessary correspondence pertaining to your loan.
  • Provide all documents requested by your loan servicer for assistance consideration and follow up to confirm receipt.
  • If you requested assistance in the past and were denied, reach out to your servicer again for reconsideration. If your situation has changed or your hardship has continued, they may be able to review your loan again for available options and/or the options may have changed since you last applied for assistance.
  • If you requested assistance and a response is still pending, reach out to your servicer for an update and continue to follow up until a decision has been made.
  • Try to set aside as much money as possible to demonstrate recovery from your financial hardship and your ability to resume payments.
  • If your servicer has indicated that there are no available options for you, contact Legal Aid of North Carolina at 1-866-219-5262 or the Lawyer Referral Line at 1-800-662-7660 for legal services to explore other options not offered by your servicer.

Homeowner Resources

State Home Foreclosure Prevention Project
Homeowners should call 1-888-442-8188 to be connected with a local housing counselor who can review their options, work with their servicer and refer them to free legal services.

Not OK? That's OK
This campaign is run by a cross section of mortgage and housing counseling organizations to help struggling homeowners. Homeowners should visit COVID Help for Home or call 1-800-569-4287. 

FHA Resource Center
Homeowners with FHA loans who have contacted their servicers and have not received a response should contact the resource center at 1-800-225-5342 or for assistance.

Consumer Financial Protection Bureau
Homeowners can find additional resources and recommendations at the CFPB's Help for Homeowners. The site provides information on forbearance and how homeowners can locate their servicer.

995 Hope
Offered by the Homeownership Preservation Foundation since 2004, 995 Hope works one-on-one with homeowners, providing free, confidential and comprehensive financial and foreclosure prevention education through the national Homeowner’s HOPE™ hotline – 1-888-995-HOPE (4673).

Federal Housing Finance Agency Interpretive Services
If you are looking to speak with someone in your preferred language about the mortgage process, mortgage documents, loan payments, staying in your home, or avoiding scams or fraud, FHFA offers free-to-use interpretive services to help.