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

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NC Homeowner Assistance Fund

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.

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

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 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).

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.

*If your servicer is not already enrolled in the program, we will need to have them to enroll before verifying debt. Servicer enrollment will impact the length of waiting time during this step of the process.

This step occurs while in the “CDF Requested” 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.

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.