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There is no cost to apply for this program. Funds are limited.

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HOW IT WORKS

NC Homeowner Assistance Fund

Learn more about your application journey if you are applying online and the steps involved from start to finish.

Homeowners with limited access to the Internet who apply in-person or through our call center can access their expected timeline here.

Please note that the NCHAF Team is continually striving to meet or improve the timelines set out in this graphic; however, individual circumstances beyond our control can cause them to lengthen on an applicant basis. Funds are limited.

You’ll start your application journey with a pre-screen.

This pre-screen will determine whether you are eligible to participate in the program. The pre-screen will ask you questions to make sure you are a homeowner and live in your primary residence located within North Carolina.

This pre-screen typically takes about an hour to complete. This step occurs while in the
“Prescreen” status on the application portal.

If you are deemed eligible, the second step is to complete your application and submit the required documentation. If your application is “currently in progress” but not completed, this may slow down your timeline. The application process can range from one hour to multiple days and is all dependent on you filling out your specific information to submitting the necessary documentation.

This will be the “Application” status on the application portal.

Once your application is fully completed, you will be assigned a case manager who will be well-acquainted with your file to help ensure all necessary information and documents are available to determine eligibility. You might notice you have been “under review” for a while in the application portal. The steps below outline what goes on during this time.

This step occurs while in the “Under Review” status on the application portal.

Your case manager will conduct an initial eligibility review of your submitted application and supporting documents to ensure they have sufficient information to determine your eligibility for assistance.
Your case manager will contact you directly and they will be in communication with you throughout the duration of your applicant journey. This piece of the process typically takes up to 5 business days.

This step occurs while in the “Under Review” status on the application portal.

Once your eligibility review is complete, your file will move to quality control review. Quality control means we are reviewing all your required documents and making sure we have everything we need to move your file forward to your servicer(s). This part typically takes up to 3 business days.

This step occurs while in the “Under Review” status on the application portal.

The next step in this journey is the most involved as it requires servicer cooperation. This is the funding approval process and entails our team verifying your debt, with the servicer(s) to be paid, based on your specific assistance request, which is a critical step in the application process.

Please note: Processing your application is dependent on receiving information back from your lender and/or service provider(s). If you ask your case manager for an update when you are in the funding approval process, they may say you are under “CDF Requested.”

The CDF process includes record transfers and us working with your mortgage servicer and other payees. The timing of debt verification varies by service provider and depends on their responsiveness and their systems in place. This step typically ranges anywhere from 4 to 6 weeks in the process.

This step occurs while in the “Under Review” status on the application portal.

The next step in this journey is the most involved as it requires servicer cooperation. This is the funding approval process and entails our team verifying your debt, with the servicer(s) to be paid, based on your specific assistance request, which is a critical step in the application process.

Please note: Processing your application is dependent on receiving information back from your lender and/or service provider(s). If you ask your case manager for an update when you are in the funding approval process, they may say you are under “CDF Requested.”

The CDF process includes record transfers and us working with your mortgage servicer and other payees. The timing of debt verification varies by service provider and depends on their responsiveness and their systems in place. This step typically ranges anywhere from 4 to 6 weeks in the process.

This step occurs while in the “Under Review” status on the application portal.

You will get a notification to sign an Assistance Agreement. You will have 5 business days to sign the agreement and after we get your signature, the payment process will begin. In the application portal, this will be the “Award” status.

This step occurs while in the “Award” status on the application portal.

Payment distribution typically takes up to 7 business days. The award and payment will be sent directly to your servicer(s).

This step occurs while in the “Payments” status on the application portal

If you want to check that your payment was received by your servicer(s), log into your application portal.

This final step occurs while in the “Complete” status on the application portal.