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Housing Counseling

If you are having trouble paying your mortgage, are at risk of falling behind, please contact a Housing Counselor.

Foreclosure prevention counseling services are provided free of charge by nonprofit housing counseling agencies working in partnership with the Federal Government. These agencies are funded, in part, by HUD and NeighborWorks America.

Click here for a list of HUD-approved housing counseling agencies in NC and tips for avoiding foreclosure.

Additional Housing Counseling Resources

The N.C. Foreclosure Prevention Fund

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. 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 provides assistance at no cost to you.

For more information, go to or call 1-888-623-8631.

State Home Foreclosure Prevention Project

The State Home Foreclosure Prevention Project (SHFPP) is a partnership led by the North Carolina Office of the Commissioner of Banks. 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. Free help is available over the phone or in face-to-face settings for North Carolina homeowners that need assistance.

Call 1-866-234-4857 to talk to a counselor or make an appointment today. Your call will be answered Monday-Friday, 8AM to 9PM, and Saturday, 8AM to 5PM.

For more information, click here.

Making Home Affordable Program

The Obama Administration’s Making Home Affordable Program includes opportunities to modify or refinance your mortgage to make your monthly payments more affordable. It also includes the Home Affordable Foreclosure Alternatives Program for homeowners who are interested in a short sale or deed-in-lieu of foreclosure.  The Homeowner’s HOPE Hotline is available 24/7 by calling 1-888-995-HOPE (4673), by visiting their website, or beginning an Online Counseling Session.

Mortgage Foreclosure Defense Project

Legal services may be available to represent a borrower facing foreclosure through the Foreclosure Defense Project. Eligibility is limited to households earning 200% of the federal poverty level. The Foreclosure Defense Project is a joint project of six non-profit legal service agencies in North Carolina:  Legal Aid of NC, Land Loss Prevention Project, Pisgah Legal Services, Legal Services of Southern Piedmont, Financial Protection Law Center and the NC Justice Center.  Pro bono attorneys have also agreed to donate legal services as part of this effort.  The borrower will be referred to an available attorney through the project.  When calling, tell them that you are facing foreclosure.

Click here for more information.

  • If the borrower lives in Mecklenburg County, call 704-749-7498.
  • If the borrower lives in Buncombe, Madison, Transylvania, Henderson, Polk, Yancey, and Rutherford Counties, call 800-489-6144.
  • For all other counties in NC, call 866-219-5262.

Additional Resources

Filing a Complaint in NC

Legal Assistance

Additional Links

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