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Foreclosure Prevention Resources

Housing Counseling

If you are having trouble paying your mortgage, are at risk of falling behind, please contact a Housing Counselor.

Foreclosure prevention counseling services are provided free of charge by nonprofit housing counseling agencies working in partnership with the Federal Government. These agencies are funded, in part, by HUD and NeighborWorks America.

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


Additional Housing Counseling Resources

 

Mortgage Payment Program

The Mortgage Payment Program provides mortgage payments at zero-interest loans of up to $24,000 for a maximum of 24 months. Homeowners in the state's 50 "hardest hit" counties may qualify for up to $36,000 over 36 months.

The Second Mortgage Refinance Program helps employed homeowners who cannot afford payments on their second mortgage. It will be available only to homeowners in the 50 "hardest hit" counties, beginning June 2011. To find out more about this program click here or call 1-888-623-8631



State Home Foreclosure Prevention Project

The State Home Foreclosure Prevention Project (SHFPP) is a partnership led by the North Carolina Office of the Commissioner of Banks. SHFPP coordinates HUD-approved housing counseling agencies, state and federal agencies, legal assistance organizations, mortgage servicers and community organizations to provide the resources you need to avoid foreclosure. Free help is available over the phone or in face-to-face settings for North Carolina homeowners that need assistance. 

Call 1-866-234-4857 to talk to a counselor or make an appointment today. Your call will be answered Monday-Friday, 8AM to 9PM, and Saturday, 8AM to 5PM.

For more information, click here.



Making Home Affordable Program

The Obama Administration’s Making Home Affordable Program includes opportunities to modify or refinance your mortgage to make your monthly payments more affordable. It also includes the Home Affordable Foreclosure Alternatives Program for homeowners who are interested in a short sale or deed-in-lieu of foreclosure.  The Homeowner's HOPE Hotline is available 24/7 by calling 1-888-995-HOPE (4673), by visiting their website, or beginning an Online Counseling Session.



Mortgage Foreclosure Defense Project

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 NC, Land Loss Prevention Project, Pisgah Legal Services, Legal Services of Southern Piedmont, Financial Protection Law Center and the NC 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 the borrower lives in Mecklenburg County, call 704 -749-7498.
  • If the borrower lives in Buncombe, Madison, Transylvania, Henderson, Polk, Yancey, and Rutherford Counties, call 800-489-6144.
  • For all other counties in NC, call 866-219-5262.

 

Additional Resources

Filing a Complaint in NC

 

Legal Assistance



Additional Links

HUD 

National Association of Realtors

Mortgage Bankers Association 

Foreclosure Prevention Resource Center

National Consumer Law Center  

Avoiding Foreclosure Rescue Scams 

Center for Responsible Lending 

Foreclosure-Response.org 

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