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Do You Already Own Your Home?

Learn about resources the North Carolina Housing Finance Agency offers to help you afford or repair your home, or keep it out of foreclosure. If you already have one of these special loans through your local government or a nonprofit agency, you can manage the loan here.

NOTICE: The North Carolina Housing Finance Agency will be mailing Annual Privacy Notices to customers beginning September 9. The notice is required by law and explains that the Agency does not share any information about you with third parties except as allowed by law to service your loan. This notice is informational only and does not require you to respond.

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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.

  • 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.