The NC Homeowner Assistance Fund may be able to help with housing payments if you have had a financial hardship during the pandemic and are behind on your housing costs related to your home in North Carolina. Financial hardship can be due to job loss/business closure, reduction in hours or pay, difficulty obtaining new employment, death of a spouse or co-borrower or increased costs due to the pandemic. Increased costs can be due to health care, the need to care for a family member, increased child-care costs due to school closures or increased costs associated with quarantine.
Answer the questions below to see if you might be eligible:
If you answered “yes” to these questions, you may be eligible to receive up to $40,000 in assistance. If you’re not eligible for this program, you can find additional resources available here. Please note that funds are limited.
Our team looks forward to helping you throughout the application process. There is no cost required to participate in the NC Homeowner Assistance Fund. The Application Checklist can help you prepare to apply with a list of documents and information you will need to have handy.
If you have already registered and need to complete your application or check on its status, use the button below:
If you are unable to register online or need assistance (including language help if your preferred language is not English or Spanish), please contact the NC Homeowner Assistance Fund Call Center from 8 a.m. – 8 p.m., Monday through Friday: 855-MY-NCHAF (1-855-696-2423).
“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