Mortgage Assistance for Homeowners

row of houses in the suburbs

Are there programs available to help with mortgage?  

The NC Homeowner Assistance Fund is a temporary relief program that helps eligible NC homeowners with mortgage payments and other housing related costs. CLICK HERE to learn more.  

To find other mortgage assistance programs, visit and search “Mortgage Payment Assistance.” To find utility assistance, search “Electric Service Payment Assistance,” “Gas Service Payment Assistance,” “Heating Fuel Payment Assistance,” and/or “Water Service Payment Assistance.” 

There are also many programs that provide financial counseling, including tips for how to avoid foreclosure. To find these programs, visit and search “Mortgage Delinquency and Default Counseling.” 

What if I can’t find a program to help with mortgage payments?  

First, contact your mortgage service provider to find out if you are eligible for forbearance or to work out a payment plan. When working with your servicer, you should:  

  • State that you are having a financial hardship due to COVID-19. You will not be required to provide documentation of this hardship. 
  • Request a COVID-19 Forbearance for your mortgage payments. 
  • Ask your servicer to confirm the details of your agreement in writing. 

There also may be other ways you could save on bills including food, transportation and more. To locate services near you, visit and click on “Basic Needs” to search for help in your community.    

Are there any protections in place to stop foreclosure during COVID-19?  

While there is no longer a moratorium on foreclosures, most homeowners with federal loans can request a COVID-19 Forbearance. CLICK HERE to learn more.  

For additional help preventing foreclosure:  

Need more information?  

Dial 2-1-1 or 1-888-892-1162 to speak with a trained call specialist, available 24/7/365.  

SOURCE: U.S. Department of Housing & Urban Development, NC Housing Finance Agency 

Last updated 3/18/2022

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