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Foreclosure Prevention

 

If you have received notice of foreclosure, seek legal help immediately.

Foreclosure Prevention Training

Future trainings to be announced!

 

 

A Guide to Mortgage Rescue

President Obama's new mortgage relief plan, launched  March 4th, 2009 aims to help up to 9 million borrowers qualify for more affordable mortgages and stay in their homes.

The program will:

* Work with lenders to modify the loan terms for up to 4 million homeowners.

* Refinance up to 5 million homeowners into more affordable fixed-rate loans.

Are you eligible?

For more information, please click here. 

 

 

New Foreclosure Prevention Program Announced from President Obama!

President Obama recently announced a new plan to help save 4 to 5 million homes facing foreclosure.  Entitled the Homeownership Affordability and Stability Plan, this effort has three main goals:

  1. Refinancing for Up to 4 to 5 Million Responsible Homeowners to Make Their Mortgages More Affordable
  2. A $75 Billion Homeowner Stability Initiative to Reach Up to 3 to 4 Million At-Risk Homeowners
  3. Supporting Low Mortgage Rates By Strengthening Confidence in Fannie Mae and Freddie Mac


Click here for more detailed information on this important new program.

 

Foreclosure Defense Project - a joint project of 6 non-profit legal service agencies

  • Call 704 -749-7498 if the borrower lives in Mecklenburg County.
  • Call 800-489-6144 if the borrower lives in Buncombe, Madison, Transylvania, Henderson, Polk, Yancey, and Rutherford Counties.
  • Call 866-219-5262 if the borrower lives in all other counties of NC.

Legal services may be available to represent a borrower facing foreclosure through the Foreclosure Defense Project.  Eligibility is limited to households earning 200% of the federal poverty level.  The Foreclosure Defense Project is a joint project of six non-profit legal service agencies in North Carolina:  Legal Aid of North Carolina, Land Loss Prevention Project, Pisgah Legal Services, Legal Services of Southern Piedmont, Financial Protection Law Center and the North Carolina Justice Center.  Pro bono attorneys have also agreed to donate legal services as part of this effort.  The borrower will be referred to an available attorney through the project.  When calling, tell them that you are facing foreclosure. 

If you are having trouble paying your mortgage or are at risk of falling behind, seek help from a housing counselor immediately.   

 

Housing Counselors

Click here for information on NC Housing Counseling Agencies participating in the NC HOPE Hotline. 

NC Housing Counseling Agencies who have received federal funding through the NC Housing Finance Agency

  • Click here for a list of 20 agencies 
  • Click here for a list of 90 counties covered
  • National HOPE Hotline/ NeighborWorks Center for Foreclosure Solutions: Click here or call toll-free at 888-995-HOPE (888-995-4673).

Counselors who speak English and Spanish are available day and night. If you need more assistance than they can provide, seek help from a NC housing counseling agency.   

For additional information about foreclosures in your community, visit the NC Commissioner of Banks website.  This site includes state foreclosure maps with county level contact information for housing counseling agencies participating in the NC HOPE Hotline.

Click here for a list of HUD-approved housing counseling agencies in NC and tips for avoiding foreclosure

 

Filing a Complaint in NC

 

Legal Assistance

 

Counseling Agencies

 

Resource Materials

 


Foreclosure Prevention Partnership

NC Housing Coalition is partnering with Legal Aid of NC, NC Justice Center and five other Legal Aid non-profit agencies working on a one-year grant award from Z. Smith Reynolds Foundation on a foreclosure prevention project.  Regina serves as the community education outreach coordinator for the project. 

The Coalition’s role in the project is to identify communities that are at risk in order to get them better connected to Legal Aid services; increase community engagement and consumer advocacy by raising awareness on policy issues; and coordinate six consumer education meetings around the state with partner attorneys making presentations on topics including predatory lending, preserving equity and loan servicing abuses. The objective is to take a more pro-active approach to the problem of the drastic increasing rate of foreclosures in North Carolina. For more information, please contact Regina Green.

 

New Foreclosure Data Mapping Site Launched

The Center for Housing Policy, KnowledgePlex, the Local Initiatives Support Corporation and the Urban Institute have joined forces to launch Foreclosure-Response.org – a new Web resource that provides government officials, housing practitioners and advocates with up-to-date information on a broad range of state and local policy solutions related to foreclosure prevention and neighborhood stabilization. The Web site includes a comprehensive policy guide of strategies for preventing and responding to foreclosures, as well as access to interactive online discussions and tools that allow users to create customized data reports and maps (powered by DataPlace) to identify areas in which to target resources and efforts.

Visit Foreclosure-Response.org to see valuable resources and mapping tools built using DataPlace Technology.

 

 
 
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