The NC Homeowner Assistance Fund is no longer accepting new applications. If you already have completed and submitted an application with all required documentation, this does not impact you. However, all applications are subject to the availability of funds and eligibility review. Remaining funds will be awarded in the order of approved applications.
For additional resources, please click here.
Learn more about your application journey if you have applied 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.
The NC Homeowner Assistance Fund is no longer accepting new applications. If you already have completed and submitted an application with all required documentation, this does not impact you. However, all applications are subject to the availability of funds and eligibility review. Remaining funds will be awarded in the order of approved applications.
The NC Homeowner Assistance Fund is no longer accepting new applications. If you already have completed and submitted an application with all required documentation, this does not impact you. However, all applications are subject to the availability of funds and eligibility review. Remaining funds will be awarded in the order of approved applications.
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.