If you’re facing foreclosure, the State Home Foreclosure Prevention Project (SHFPP) offers free help, including counseling, access to legal services, and assistance working with servicers.
The SHFPP coordinates HUD-approved housing counseling agencies, state and federal agencies, legal assistance organizations, mortgage servicers and community organizations to provide the resources you need to avoid foreclosure. The program was created by the General Assembly in 2008 and is administered by the North Carolina Housing Finance Agency, a self-supporting public agency.
You can get free help over the phone or face-to-face. Call 1-888-442-8188 to make an appointment. Your call will be answered Monday-Friday, 8:30 a.m. to 8:00 p.m., and Saturday 9:00 a.m. to 5:00 p.m. For more information about getting assistance, go to “I Need Help – What Now?”
If you are struggling to make mortgage payments due to reasons such as job loss, reduction of income, or other temporary hardship, the N.C. Housing Finance Agency also offers the N.C. Foreclosure Prevention Fund™. Qualified homeowners may be eligible for an interest-free loan of up to $36,000 to pay mortgage and other related expenses for up to 36 months from the N.C. Foreclosure Prevention Fund™, which uses funds from the U.S. Treasury.
Please note that any program that requires you to pay upfront fees to help you avoid foreclosure is illegal. The Office of the N.C. Attorney General provides help identifying and combating foreclosure scams.