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The NC Homeowner Assistance Fund was established through the 2021 American Rescue Plan to prevent mortgage delinquencies, defaults, displacements and foreclosures for homeowners experiencing financial difficulties due to the coronavirus pandemic. Assistance of up to $40,000 is available for qualified homeowners as long as funding is available.

The program is managed by the North Carolina Housing Finance Agency, 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 more than 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 and national Housing Trust Fund, Homeowner Assistance Fund and other programs.

NC Homeowner Assistance Fund Facts

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If you are a member of the press and need information about the NC Homeowner Assistance Fund, please refer to our program press releases for our most recent news or contact our press office for help.

Hear from Homeowners We've Helped

Below are some stories of North Carolinians who have been helped by the program. Click the eligibility link below to see if we might be able to help you.

“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