RETURNING APPLICANT 1-855-MY-NCHAF Contact Report Fraud Español

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

Beware of scams

The NC Homeowner Assistance Fund is close to running out of funds and will be closing very soon. Because we look at how much funding is available daily, we will not be able to provide notice prior to the program closing. If you have not completed and submitted your application or have not submitted all required documents, we urge you to do so today.

If you do not submit an application before the program closes, you will not be considered for funding. All applications are subject to the availability of funds and eligibility review. Remaining funds will be awarded in the order of approved applications.

If you have any questions, please contact the NCHAF Call Center at 855-696-2423, Monday – Friday.


The NC Housing Finance Agency understands that this is a stressful and difficult time for many North Carolinians. The economic impacts of the pandemic have hit homeowners hard and you may be facing challenges in paying your housing-related expenses.

Below are some tips on what to do if you are experiencing problems paying your mortgage, resources you can access and how to avoid scams when seeking help.

Please note that if you have an FHA loan, you may be eligible for specific loss mitigation assistance. Our video, Know Your Options, provides information on this and other options, including both temporary assistance and permanent solutions.

Some Additional Tips & Resources to Assist You

  • If you are unsure of how to get started, contact your loan servicer, which is the company or bank that you make your mortgage payments, to explore available options. They may be able to offer immediate help such as loan modification, payment deferral, partial claim or other options to cure the default.

  • Return calls from your loan servicer’s customer service or loss mitigation departments and provide them with any necessary correspondence pertaining to your loan.

  • Provide all documents requested by your loan servicer for assistance consideration and follow up to confirm receipt.

  • If you requested assistance from your servicer in the past and were denied, reach out to your servicer again for reconsideration. If your situation has changed or your hardship has continued, they may be able to review your loan again for available options and/or the options may have changed since you last applied for assistance.

  • If you requested assistance from your servicer and a response is still pending, reach out to your servicer for an update and continue to follow up until a decision has been made.

  • If your servicer has indicated that there are no available options for you, contact Legal Aid of North Carolina at 1-866-219-5262 or the Lawyer Referral Line at 1-800-662-7660 for legal services to explore other options not offered by your servicer.

  • Try to set aside as much money as possible to demonstrate recovery from your financial hardship and your ability to resume payments.

  • Reach out to a HUD-approved housing counseling organization for help.

NC Homeowner Assistance Fund
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, the Fund offers assistance of up to $40,000 for qualified homeowners as long as funding is available. See if you’re eligible and apply. Please note that this program is for homeowners who are at least 30 days delinquent on their mortgage or housing-related payments.

State Home Foreclosure Prevention Project
Homeowners should call 1-888-442-8188 to be connected with a local housing counselor who can review their options, work with their servicer and refer them to free legal services.

FHA Resource Center
Homeowners with FHA loans who have contacted their services and have not received a response should contact the resource center at 1-800-225-5342 or [email protected] for assistance.

Consumer Financial Protection Bureau
Homeowners can find additional resources and recommendations at the CFPB’s Help for Homeowners. The site provides information on forbearance and how homeowners can locate their servicer.

995 Hope Homeowner Counseling
Offered by the Homeownership Preservation Foundation since 2004, 995 Hope works one-on-one with homeowners, providing free, confidential, and comprehensive financial and foreclosure prevention education through the national Homeowner’s HOPE™ hotline – 1-888-995-HOPE (4673).

Federal Housing Finance Agency Interpretive Services
If you are looking to speak with someone in your preferred language about the mortgage process, mortgage documents, loan payments, staying in your home, or avoiding scams or fraud, FHFA offers free-to-use interpretive services to help.

NC 211
Provides free and confidential information 24/7 on health and human services and resources within your community, maintained by the United Way of North Carolina. Dial 2-1-1 or 888-892-1162 for assistance and text COVIDNC to 898-211 to sign up for announcements and updates.

Low Income Energy Assistance Program (LIEAP)
LIEAP is a federally-funded program that provides for a one-time vendor payment to help eligible households pay their heating bills. Households including a person aged 60 or older or disabled persons receiving services through the NC Division of Aging and Adult Services are eligible to sign up for assistance from Dec. 1 – 31. All other households may apply from Jan. 1 – March 31 or until funds are exhausted.

HUD Homeowner Assistance
Homeowners can find HUD-approved counseling agencies’ contact information, tips to avoid foreclosure, and helpful videos on HUD’s Homeowner Help webpage.

Legal Aid of North Carolina
Legal Aid of NC provides free legal help to low-income North Carolinians in civil cases involving basic human needs like shelter and can help you retain ownership of your home. Call 866-219-LANC (5262) to apply for help.

Freddie Mac #Help Starts Here
This interactive guide provides resources for struggling homeowners, including guidance on key steps to take, available options and alternatives, information about forbearance and how it and other relief options could impact you, and how to avoid foreclosure rescue scams.

Here to Help
Offer by Fannie Mae, Here to Help provides information on getting help for homeowners that have been financially impacted by the pandemic, including a Mortgage Loan Lookup Tool that lists what free resources are available.

If you need in-person assistance to complete your NCHAF application, you may schedule an appointment at our Morrisville location by contacting the Call Center at 855-MY-NCHAF (855-696-2423), Monday through Friday from 8 a.m. to 7 p.m.


Unfortunately, mortgage scams are increasingly common and can put home buyers and homeowners at risk when they’re buying a home, refinancing or if they’re looking for help making mortgage payments. Foreclosure rescue scams have become more prevalent during the pandemic so it is important to understand what scams are out there and how you can avoid them. Below are resources to help you protect yourself: