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16,240 Homeowners Helped



The N.C. Foreclosure Prevention Fund is offered by the North Carolina Housing Finance Agency, a self-supporting state agency, using funds provided by the U.S. Treasury.

The N.C. Foreclosure Prevention Fund 

helps North Carolina homeowners who are struggling to make their mortgage payments due to job loss or temporary financial hardship, such as divorce, illness or death of a spouse. The Fund also assists returning veterans who are transitioning to civilian jobs.


For qualified homeowners, the Fund can provide an interest-free loan of up to $36,000 to pay your mortgage and other related expenses for up to 36 months while you search or retrain for new employment. If you are currently employed but have a second mortgage that is unaffordable because of a prior job loss or reduced income, the Fund offers an interest-free loan of up to $30,000 to pay off your second mortgage. The Fund may be able to reinstate your loan if you have fallen behind on payments due to a job loss but are now eligible for retirement, Social Security, disability or Veterans Administration benefits that would allow you to resume mortgage payments. The Fund provides assistance at no cost to you.

Explore this site or call 1-888-623-8631 to learn:



The State Home Foreclosure Prevention Project helps North Carolina homeowners who are facing foreclosure for any reason. It offers free housing counseling, access to legal services for people with lower incomes, and help with your mortgage servicer. If you have received a 45-day pre-foreclosure notice from your servicer and/or a foreclosure help letter from the N.C. Housing Finance Agency, call 1-888-442-8188.


If you are a servicer, housing counselor or AOC clerk working with the State Home Foreclosure Prevention Project, view partner information to learn more.

Servicer Login



Help us spread the word about the N.C. Foreclosure Prevention Fund: request flyers, cards or posters for distribution and display.

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