The following is information from The North Carolina Housing Finance Agency and the State of North Carolina Commissioner of Banks …
Facing Foreclosure? North Carolina has FREE resources to help you.
The NC Housing Finance Agency administers the Home Protection Program that may be able to provide a bridge loan if you have lost your job due to changes in the economy. Participating counseling agencies will help determine if you are eligible for assistance, help you apply, and may be able to secure a stay-of-foreclosure while your application is being reviewed.
The Agency also supports local counseling agencies that can help whatever the reason for foreclosure. They can work with your mortgage company at no cost on a possible repayment plan or loan modification.
The Office of the Commissioner of Banks reviews sub-prime loans that closed in 2005, 2006 and 2007. They connect homeowners facing foreclosure with local counselors that may be able to help you renegotiate the terms of your loan or get legal assistance.
Don’t delay – take the first step today. Contact one of the participating counseling organizations listed (below). Find details at http://www.ncforeclosurehelp.org Contact the Office of the Commissioner of Banks consumer hotline at 888-384-3811
You don’t have to lose your home. A certified counseling agency can help you save your most important asset and get your finances back on track.
If you’re having trouble paying your mortgage:
Talk with your mortgage company. When homes go into foreclosure, mortgage companies lose money. They can sometimes offer ways to help you. Contact a counseling agency. A counselor can explain the law and your options, and help you review your budget. A list of counseling organizations that can assist you at no cost is shown (below). Open all mail from your mortgage company. The notices may offer good information to help you avoid foreclosure, or may notify you of pending legal action. Avoid companies that offer help for a fee. You don’t need to pay for help. Beware of scams. If someone claims they can stop your foreclosure immediately if you sign a document appointing them to act on your behalf, you may be signing over the title to your property. Contact the Office of the Commissioner of Banks if you believe you have been the victim of predatory lending.
NORTH CAROLINA COUNSELING AGENCIES The following counseling agencies provide assistance at no cost to North Carolina homeowners who are facing foreclosure.
Eastern Region
Blue Spring-Hoke County Community Development Corp. 910-904-0312 Serves Hoke, Robeson, & Scotland Counties.
Choanoke Area Development Association 252-539-4155 Serves Bertie, Halifax, Hertford, Hyde, Northampton, Tyrell, & Washington Counties.
Cumberland Community Action Programs, Inc., and Consumer Credit Counseling Services of Fayatteville 910-323-3192 Serves Beaufort, Bladen, Brunswick, Carteret, Chatham, Columbus, Craven, Cumberland, Duplin, Greene, Harnett, Hoke, Hyde, Johnston, Jones, Lee, Lenoir, Martin, Montgomery, Moore, New Hanover, Onslow, Pamlico, Pender, Pitt, Richmond, Robeson, Rockingham, Sampson, Scotland, Wayne & Wilson Counties.
Kingdom Community Development Corporation 910-484-2722 Serves Bladen, Cumberland, Harnett, Hoke, Lee, Robeson & Sampson Counties.
Northeastern Community Development Corporation 252-338-5466 Serves Camden, Chowan, Currituck, Dare, Gates, Pasquotank & Perquimans Counties
River City Community Development Corporation 252-331-2925 Serves Camden, Chowan, Gates, Pasquotank & Perquimans Counties.
Rocky Mount-Edgecombe Community Development Corporation 252-442-5178 Serves Edgecombe & Nash Counties
Twin Rivers Opportunities, Inc. 252-637-3599 Serves Carteret, Craven, Jones & Pamlico Counties.
Wilmington AME Zion Housing Development Corporation 910-815-3826 Serves Brunswick, Columbus, New Hanover & Pender Counties.
Wilson Community Improvement Association 252-243-4855 Serves Wilson County.
Central Region
Alliance Credit Counseling, Inc. 704-943-0391 Serves Anson, Cabarrus, Gaston, Mecklenburg & Union Counties.
Consumer Credit Counseling Services of Durham 919-688-3381 Serves Durham County.
Consumer Credit Counseling Services of Forsyth County 336-896-1191 Serves Alleghany, Ashe, Davie, Forsyth, Iredell, Stokes, Surry, & Yadkin Counties.
Consumer Credit Counseling Services of Gaston County 704-864-7704 Serves Cleveland, Gaston & Lincoln Counties.
Consumer Credit Counseling Services of Greater Greensboro 336-373-8882 Serves Alamance, Caswell, Davidson, Guilford, Randolph, Rockingham, & Rowan Counties.
Davidson Community Action, Inc. 336-249-0234 Serves Ashe, Davidson, Forsyth, Rowan, & Yadkin Counties.
Durham Affordable Housing Coalition 919-683-1185 Serves Durham County.
Durham Regional Community Development Group 919-688-3381 Serves Durham, Granville, & Orange Counties
Franklin-Vance-Warren Opportunity Inc 252-492-0161 Serves Franklin, Granville, Person, Vance & Warren Counties.
Housing Authority of the City of High Point 336-878-2300 Serves Guilford County
Monroe/Union County CDC 704-283-8804 Serves Union County
Prosperity Unlimited 704-933-7405 Serves Cabarrus, Iredell, Mecklenburg, Rowan & Stanly Counties.
Salisbury Community Development Corporation 704-638-2154 Serves Davidson, Iredell & Rowan Counties.
Sandhills Community Action Program, Inc. 910-947-5675 Serves Anson, Montgomery, Moore, Richmond & Scotland Counties.
Triangle Family Services 919-821-0790 / 800-283-6904 Serves Chatham, Durham, Johnston, Orange, & Wake Counties.
United Family Services 704-332-9034 Serves Cabarrus, Mecklenburg and Union Counties
Western Region
Cleveland County Community Development Center 704-480-7701 Serves Cleveland County.
Consumer Credit Counseling Services of the Carolina Foothills 828-286-7062 Serves Polk and Rutherford Counties.
Northwestern Regional Housing Authority 828-264-6683 Serves Alleghany, Ashe, Avery, Mitchell, Watauga, Wilkes, & Yancey Counties.
Olive Hill Community-Economic Development Corporation 828-439-8893 Serves Burke, Caldwell, Catawba, and McDowell Counties.
On Track Financial Education & Counseling Services 828-255-5166 / 800-737-5485 Serves Ashe, Avery, Buncombe, Cherokee, Clay, Graham, Haywood, Henderson, Jackson, Macon, Madison, McDowell, Mitchell, Polk, Swain, Transylvania, Watauga & Yancey Counties.
Western Piedmont Council of Governments 828-322-9191 Serves Alexander, Burke, Caldwell & Catawba Counties.
Click link below for more foreclosure help…
Dawn Judge is a North Carolina Real Estate Broker with Century21 Hecht Realty in Mooresville, NC. 704-929-2261 djudge@c21hecht.com
