Home - NC Homeowner Assistance Fund

Help is Here

with the NC Homeowner Assistance Fund

COVID has not only put our health at risk, but our homes too.

If the economic impacts of the pandemic have caused you to fall behind on your mortgage or housing-related payments by at least 30 days, you may be eligible for assistance. Read on to learn more.

What Does it Cover?

For qualified homeowners who are past due on mortgage and housing-related payments by at least 30 days, the fund offers:

Housing payment assistance for primary residence in North Carolina (for example, single-family home, townhome, condo or mobile home).
Assistance for mortgage reinstatement to catch up on late payments (first and second mortgages) or other housing-related costs due to a period of forbearance, delinquency or default.
Assistance covering other housing-related costs such as homeowner’s insurance, flood insurance, mortgage insurance, homeowner’s association dues/fees or delinquent property taxes to prevent foreclosure.

See If I'm Eligible and Apply

Hear from Homeowners We've Helped

Below are some stories of North Carolinians who have been helped by the program. Click the eligibility link below to see if we might be able to help you.

“NCHAF contacted my mortgage company and got them off my back. I have colon cancer and recently my cancer has progressed. I could not work as much waitressing and with NCHAF helping me, I can stand up and breathe again.”

Tammie T., Guilford County

“I got the assistance I needed during a difficult time in my life. My case manager was responsive with getting me the answers I needed. I am so grateful.”

Jessica G., Mecklenburg County

“The physical and mental toll that the pandemic has taken on those of us in the medical field has been difficult. When I found out I was awarded with mortgage assistance, I said ‘Hallelujah!”

Karen M., Hoke County

“I like the NCHAF program, it gives our clients at Life Store Bank hope. Folks have been negatively impacted by the pandemic and late on mortgages. It gives them a chance to get caught up and NCHAF staff have been very responsive to clients providing financial assistance. It's wonderful that they have been helping our homeowners.”

Doug Matney, Credit Relations Manager, Life Store Bank