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.
Funding is very limited. Homeowners are encouraged to submit their applications, including all required documents, today. Applications not completed before program closure will not be considered for funding.
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. – 7 p.m., Monday through Friday: 855-MY-NCHAF (1-855-696-2423).
“We were literally drowning in debt, scrambling to catch up on everything, that’s why this program has been a Godsend!”
Yolanda R., New Hanover County
“The NCHAF program was a divine opportunity for me and my family. The NCHAF team were responsive and helped hold off foreclosure on my home.”
Latoya A., Durham County Homeowner
“The patience and concern the NCHAF staff showed us was wonderful. We were enrolled in a loan modification program and anytime we had a question, the staff were able to answer it.”
Ryan & Stephanie W., Edgecombe County
“My case manager held my hand the entire way. The process was quick and straightforward. I am caught up on payments thanks to NCHAF that helped me in my time of need.”
Barry G., Wake County
“My social security disability income was reduced, and I was grieving a loss while ill with COVID-19. I was getting further and further behind until NCHAF helped me get back on track with my mortgage payments.”
Karen R., Nash County
“The COVID-19 pandemic was difficult on me physically and mentally. My case manager was responsive and provided helpful referrals to assist me in my time of need. The program not only saved my life, but also my children’s lives as well.”
North Carolina Homeowner
“I suffer from anxiety, and having NCHAF staff be responsive meant a lot to someone who is worried and unsure of the future. An open line of communication is valuable.”
Kevin W., Mecklenburg County
“I was completely hopeless and one day away from having to vacate my home of 18 years. NCHAF stepped in to help me avoid foreclosure so that I can keep a roof over our family.”
David O., Wilson County
“My bills were piling, and my financial resources were exhausted. I was able to prioritize other bills with tax assistance from NCHAF.”
Northampton County Homeowner
“My case manager was always helpful and glad to answer any questions. I was able to avoid foreclosure with the help of NCHAF.”
Guilford County Homeowner
“Having a limited monthly income has made things difficult. I did not know how I would catch up on my mortgage payments. NCHAF was a lifesaver for me.”
Pitt County Homeowner
“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
“My case manager was knowledgeable, had a positive attitude, and went above and beyond to assist me. I received assistance with property taxes, and it was a smooth process. I am so grateful for the help I received.”
Keishonna H., Brunswick County Homeowner
“I was happy to know there is a program out there for homeowners. This program helped us get back on our feet with tax payments while continuing to make our mortgage payments.”
Belinda T., Durham County Homeowner