Foreclosure Prevention Resources
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.
Additional Housing Counseling Resources
- The Association of Housing Counselors
The Association of Housing Counselors (TAHC) is a membership organization of housing counselors and other professionals committed to promoting housing counseling. 919-881-0707
- NC Association of Community Development Corporations
- The North Carolina Community Development Initiative
- NeighborWorks Center for Foreclosure Solutions
NeighborWorks organizations work with the Homeownership Preservation Foundation to support a nationwide assistance number – 888-995-HOPE. Speak to a counselor, day or night, on how to avoid foreclosure. Available in English and Spanish, 24/7.
- Consumer Credit Counseling Agencies
Contact for more information on nationally accredited consumer credit counseling agencies.
- HUD-Approved Housing Counseling Organizations in NC
800-569-4287; TDD 800-877-8339
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.
For more information, go to www.NCForeclosurePrevention.gov 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.
Click here for more information.
- 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.
Filing a Complaint in NC
- NC Attorney
877-566-7226 or 919-716-6400
- NC Commissioner of Banks
919-733-3016 or (fax) 919-733-6918
- North Carolina Appraisal
919-420-7920 or (fax) 919-420-7925
- Legal Aid of North Carolina,
Mortgage Foreclosure Prevention Project
866-219-5262 or contact your local Legal Aid Office
- NC Justice Center
- Pisgah Legal Services of
800-489-6144 or 828-253-0406 (Asheville) or 828-692-7622 (Hendersonville)
- Legal Services of Southern Piedmont
- Financial Protection Law Center
- National Association of Consumer Advocates (NACA)
NACA is a nationwide organization of more than 1000 attorneys and maintains a searchable database of consumer attorneys.
- Bankruptcy Attorneys
Contact your local legal Aid, local credit counseling agency or the state bar association for a referral.