Learn more about your application journey if you are applying online and the steps involved from start to finish.
Please note that the NCHAF Team is continually striving to meet or improve the timelines; 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 initial eligibility to apply for 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 review your full application and supporting documents to ensure they have sufficient information to determine your eligibility for assistance. Your case manager will contact you directly, request any additional documents needed and remain in communication with you throughout the duration of your applicant journey.
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).
Please note this step also occurs while in the “Under Review” status on the application portal.
The next step in this journey is the funding approval process. During this step, our team will work with your servicer(s) to verify the debt to be paid to the servicer(s). We verify your debt based on your specific assistance requests (e.g., mortgage, insurance, HOA), which is a critical step in the application process.
Once your servicer(s) provides your specific debt information, NCHAF will determine your award amount. Unfortunately, NCHAF cannot reassess or change this award amount once it is received from your servicer(s) unless the servicer(s) submits a change or update.
Please note: Processing your application is dependent on receiving correct information back from your lender and/or service provider(s). The length of the debt verification process may vary by service provider depending on their responsiveness and their own internal systems and process.
Our process for verifying mortgage delinquencies is called the CDF process. This is used nationally by all state HAF programs and lending companies to ensure accurate information regarding several pertinent details including your loan number, debt amount, accrued fees, payment instructions and other relevant information that allows funding to be applied correctly to your debt and account.
Non-mortgage delinquencies are also verified through the account servicer.
*Please note that if your servicer is not already enrolled in the program, we will need them to enroll before verifying debt. Servicer enrollment will impact the length of your waiting time during this step of the process. You can find a list of servicers already enrolled in the program here.
Congratulations, you will now receive an Award Letter as your application is moved to payment processing! This letter will include the amount of funding you will receive, which is based on the amount of debt as verified by your servicer in Step 5. There is nothing actionable for you to do for this step other than reviewing the assistance types and amounts for any discrepancies. If you do see anything in your Award Letter that looks incorrect, please contact your case manager or call our Call Canter at 1-855-696-2423 for assistance.
The award and payment will be sent directly to your servicer(s) once it goes through payment processing. This time period can vary depending on several factors, including some beyond our control. If you have questions about your payment processing, please contact your case manager.
This step occurs while in the “Payment” 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.
“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