RETURNING APPLICANT 1-855-MY-NCHAF Contact Report Fraud

There is no cost to apply for this program.

Beware of scams

Frequently Asked Questions

The NC Homeowner Assistance Fund was established through the American Rescue Plan Act of 2021 to prevent mortgage delinquencies, defaults, displacements and foreclosures for homeowners experiencing financial difficulties due to the coronavirus pandemic. Assistance of up to $40,000 per household is available for qualified homeowners as long as funding is available. This program is being supported, in whole or in part, by federal award number HAF0019 awarded to the State of North Carolina by the US Department of the Treasury. The NC Housing Finance Agency is operating the program through funding provided by the NC Pandemic Recovery Office.

The North Carolina Housing Finance Agency is a self-supporting public agency that finances affordable housing opportunities for North Carolinians whose needs are not met by the market. Since its creation in 1973 by the General Assembly, the Agency has financed 318,830 affordable homes and apartments, totaling $30.1 billion. The Agency provides financing through the sale of tax-exempt bonds and management of federal tax credit programs, the federal HOME Program, the state Housing Trust Fund, the NC Homeowner Assistance Fund and other programs.

North Carolina was allocated $273 million from the Homeowner Assistance Fund, which was established through the American Rescue Plan Act of 2021 to prevent mortgage delinquencies, defaults, displacements and foreclosures for homeowners experiencing financial difficulties due to the pandemic. This program is being supported, in whole or in part, by federal award number HAF0019 awarded to the State of North Carolina by the US Department of the Treasury. The NC Housing Finance Agency is operating the program through funding provided by the NC Pandemic Recovery Office..

For qualified homeowners, the Fund offers assistance for mortgage and homeowner-related payments that are at least 30 days past due (including any payments during a forbearance period), including:

  • Mortgage payment assistance;
  • Assistance for mortgage reinstatement to catch up on late payments (first or second mortgages), or other housing-related costs due to a period of forbearance, delinquency or default; and
  • 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.

Assistance is available up to $40,000 per household and will be made directly to the mortgage servicer or other eligible third party.

If you are experiencing financial hardship due to job loss/business closure, reduction in hours or pay, difficulty obtaining new employment, death of a spouse or co-borrower or increased expenses due to the pandemic, you could be eligible for assistance. Increased expenses 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.

You may be eligible for assistance from the NC Homeowner Assistance Fund if:

  • You experienced a financial hardship due to the pandemic and your income is below $90,000. If your income is higher, you still may qualify, depending on your county and the number of people in your household, consistent with Treasury guidance.
  • You are at least 30 days (including any payments during a forbearance period) past due on your mortgage payments or other homeowner expenses, including homeowner’s insurance, flood insurance, mortgage insurance, homeowner’s association dues/fees or delinquent property taxes to prevent foreclosure.
  • The expenses that you need help with are related to the dwelling that is your primary residence and is located in North Carolina.
  • You attest that you experienced financial hardship due to the pandemic. The attestation must describe the nature of the financial hardship (for example, job loss, reduction in income or increased costs due to healthcare or the need to care for a family member).

Not necessarily. While your mortgage is considered current during a forbearance period, NC Homeowner Assistance Fund funds may be used to assist with the payments missed during forbearance. You also may be eligible if you are current on your mortgage (or don’t have a mortgage) but are at least 30 days (including any payments during a forbearance period) past due on other housing-related payments, such as homeowner’s insurance, flood insurance, mortgage insurance, homeowner’s association dues/fees or delinquent property taxes to prevent foreclosure.

Assistance is available for single-family homes, townhouses, condominiums, duplexes, mobile and manufactured housing. The property must be your principal residence and located in North Carolina. If you own more than one property, you can only apply for your principal residence.

Yes, you may be eligible if you are at least 30 days (including any payments during a forbearance period) past due on other housing-related payments, such as homeowner’s insurance, flood insurance, mortgage insurance, homeowner’s association dues/fees or delinquent property taxes to prevent foreclosure.

HAF funds may be used to provide assistance on a reverse mortgage, provided you have already entered into a repayment plan with your mortgage servicer and you meet all other eligibility criteria.

In most instances, the assistance will not need to be repaid, unless there is a false claim or fraudulent misstatements on the application.

There is no cost to participate in the NC Homeowner Assistance Fund (NCHAF). You will never be asked to pay a fee to apply or receive assistance.
If you believe you were inappropriately approached by non-NCHAF representatives offering NCHAF-related financial assistance and were asked for a payment or requested your personal information for the NCHAF program, please submit an Anti-Fraud, Waste and Abuse Allegation Reporting Form, email fraud@NCHAF.gov or call 1-866-961-1730.

You can find out if you are eligible and submit your application through our Application Portal or by contacting our call center at 1-855-MY-NCHAF (1-855-696-2423) and asking a program specialist to help you apply.

Homeowners will be asked to provide a statement attesting to experiencing a financial hardship associated with the coronavirus pandemic, a written attestation and additional documentation of household income and documentation verifying the property is the homeowner’s primary residence. Additional documentation may be requested depending on the homeowner’s individual circumstances. Please see the Application Guidelines below for a basic list of documents and information needed to apply for the program:

NC Homeowner Assistance Fund Application Checklist

Please call our call center at 1-855-MY-NCHAF (1-855-696-2423) and ask a program specialist to help you with your application.

Please call our call center at 1-855-MY-NCHAF (1-855-696-2423) and request interpretive assistance.

You can contact our call center at 1-855-MY-NCHAF (1-855-696-2423) to speak with a program specialist and learn where you are in the process.

Payment will be made directly to your mortgage servicer or other third-party provider depending on what assistance you are approved for.

Yes, your servicer (the company you make your mortgage payment to) has some help to offer to make your mortgage or overdue payments easier to meet. The NC Homeowner Assistance Fund may be able to help either before or after you get help from your servicer.

Possibly. If your mortgage is in forbearance, it is likely that your mortgage servicer has options for you once your forbearance period is over. We encourage you to discuss these options with your mortgage servicer or enlist help from a HUD-certified housing counselor who can assist you in understanding these options.

If you were previously denied assistance from the NC Homeowner Assistance Fund and would like to submit an appeal, please contact our call center at 1-855-MY-NCHAF (1-855-696-2423) to speak with a program specialist.

Yes, if your circumstances meet our eligibility requirements you can apply again.

A complaint can be filed by any interested party that takes issue with the programmatic, operational or administrative activities of the program. Typically, complaints originate from an individual who is experiencing a difficulty with program services, including eligibility, intake process or award calculation. You can file a program complaint in one of three ways:
  • Provide your issue or concern via email;
  • Submit information via the Online Complaint Form; or
  • Call the NC Homeowner Assistance Fund (NCHAF) call center at 1-855-MY-NCHAF (1-855-696-2423).
NC Housing Finance Agency (the Agency) employees must report suspected fraudulent activity in a timely manner, to the Agency’s Hotline Service Center in one of two ways:
The Agency encourages anyone who suspects NC Homeowner Assistance Fund (NCHAF) fraud, waste and abuse to contact the Office of the State Auditor which investigates allegations of improper governmental conduct by state agencies or state employees within our statutory authority. Improper governmental conduct includes alleged fraud, misappropriation, mismanagement or waste of state resources. Incidents may be reported anonymously. You may make a report to the Office of the State Auditor by:
Non-Agency employees and contractor stakeholders (which include, but are not limited to, applicants, service providers, vendors, North Carolina constituents and Agency vendor and contractor employees) should report suspected fraud, waste, abuse or mismanagement in one of two ways:
Call Center staff will complete the form on behalf of anyone who wants to report fraud, waste, abuse or mismanagement through the call center 1-866-961-1730.

When the Homeowner Assistance Fund was established through the American Rescue Plan, the COVID-19 pandemic had created extensive economic hardships for homeowners across North Carolina. At the peak, more than 350,000 homeowners were behind on payments. Even as the state began showing signs of recovery, 245,866 homeowners were still behind on their payments or already in foreclosure, placing them at heightened risk for losing their homes in the coming months.

For a family and their children, the importance of being able to stay in their home can’t be calculated. During the Great Recession, which caused hundreds of thousands of foreclosures, a Brookings Institute study found that children faced not just the loss of their homes, but also the risk of losing friends and falling behind academically when forced to switch neighborhoods and schools as a result of foreclosure.

A foreclosure hurts not only the family that is displaced from their home, but it lowers property values of all the surrounding homeowners. Foreclosure destabilizes neighborhoods, with vacant homes sometimes leading to increased crime, and it destabilizes the local tax base in ways that ripple through the state’s economy. Foreclosure can also impact overall health in a community, with every additional foreclosure in a ZIP code leading to more non-elective hospital or emergency room visits over the next year.

We all benefit when a foreclosure is prevented. Treasury’s goal—and ours—is to stabilize communities as well as families.