Skip to main content

Search form

Are You Struggling to Pay Your Mortgage?

Facing a possible foreclosure is one of the most stressful and overwhelming situations a homeowner can be forced to deal with. Whether you’re actively facing foreclosure or just at risk, North Carolina offers free resources to help.

Free Foreclosure Prevention Counseling

Free counseling, regardless of what stage of the foreclosure process you find yourself in, is available through the State Home Foreclosure Prevention Project, administered by the North Carolina Housing Finance Agency. Housing counselors can also work with servicers on your behalf and refer you to free legal services if your income is low. Services are provided by participating HUD-approved housing counseling agencies statewide. Reach out to the Agency call center at 1-888-442-8188 to be connected to a housing counselor.

Housing Stability Counseling Program

The Housing Stability Hounseling Program, designed by NeighborWorks America, is a national program that aims to help nonprofits and agencies provide direct housing counseling services to individuals and families facing housing instability such as eviction, foreclosure and homelessness. The Agency is one of 131 recipients who received funding to help consumers with foreclosure and eviction prevention and access to federal, state and local relief programs. Learn more about the Housing Stability Counseling Program

NC Homeowner Assistance Fund Under Development

The NC Homeowner Assistance Fund is being administered by the NC Housing Finance Agency using $273 million that was allocated to North Carolina under the American Rescue Plan to prevent mortgage delinquencies, defaults, displacements, and foreclosures for homeowners experiencing financial difficulties due to the coronavirus pandemic. This program is being supported, in whole or in part, by federal award number HAF0019 awarded to the State of North Carolina by the US Department of the Treasury.

The US Department of the Treasury requires all states to develop and submit a plan in order to receive the funds. Below is a tracker outlining the phases the NC Housing Finance Agency must follow and the status of where we are in the process. The Agency is committed to acting quickly and opening the program to applicants as soon as all the required steps are completed as outlined and approved by the US Treasury and the program is in place.

In the meantime, homeowners can contact our call center at 855-MY NCHAF (855-696-2423) or to get more information or to sign up to be notified when the program starts taking applications. Learn more about the program and find additional resources.  

Fraud Prevention

If you’ve been contacted by a foreclosure prevention or “rescue” agency, protect yourself from fraudulent practices by keeping these tips in mind:

  • Beware of companies or organizations that require payment upfront—this is illegal in North Carolina.
  • Avoid companies that want you to make mortgage payments directly to them, or who tell you not to speak with your current mortgage company or to an attorney.
  • Don’t trust investors who offer to pay off your mortgage if you sign over the deed to your home. Typically in these scams, the investor then rents your home back to you or another tenant but doesn’t make the mortgage payments, resulting in foreclosure.
  • Only trust companies and organizations that have been verified by your local Better Business Bureau and the Attorney General’s Consumer Protection Division.
  • Get all promises and agreements in writing, and do not sign anything until an attorney has reviewed it.

To report a scam or check out a company, call the NC Attorney General’s Office at 1-877-5-NO-SCAM or file a complaint at