The N.C. Foreclosure Prevention Fund™ helps North Carolina homeowners who are struggling to make their mortgage payments due to job loss or temporary financial hardship. For qualified homeowners, the Fund can provide an interest-free loan of up to $36,000 to pay your mortgage and other related expenses for up to 36 months while you search or retrain for new employment. If you are currently employed but have a second mortgage that is unaffordable because of a prior job loss or reduced income, the Fund offers an interest-free loan of up to $30,000 to pay off your second mortgage. The Fund provides assistance at no cost to you.

Explore this site or call 1-888-623-8631 to learn:

• what kind of mortgage help may be available for you to prevent foreclosure
• if you qualify for assistance using our quick and convenient eligibility tool
• how to find a HUD-approved housing counseling agency in your area to help you apply and how to apply online

 
The State Home Foreclosure Prevention Project helps North Carolina homeowners who are facing foreclosure for any reason. It offers free housing counseling, access to legal services for people with lower incomes, and help with your mortgage servicer. If you have received a 45-day pre-foreclosure notice from your servicer and/or a foreclosure help letter from the N.C. Housing Finance Agency, call 1-888-442-8188.
 
If you are a servicer, housing counselor or AOC clerk working with the State Home Foreclosure Prevention Project, view partner information to learn more.

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