Foreclosure Prevention

Funds for this program are limited. The last day for application submission to North Carolina Housing Finance Agency is July 31, 2019, so act quickly.

The Homeownership Center of Charlotte advises homeowners who are facing foreclosure by providing individual advising sessions to assist them with curing their mortgage default. We serve Mecklenburg, Cabarrus, Gaston, Iredell, Lincoln, and Union counties in North Carolina.

Determining Eligibility For The N.C. Foreclosure Prevention Fund™

In addition to our existing Foreclosure Prevention program, we are pleased to announce that we offer the N.C. Foreclosure Prevention Fund™ in partnership with the N.C. Housing Finance Agency using funds from the U.S. Treasury. The 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  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. Please visit for more information. The Fund provides assistance at no cost to you.

You may be eligible for help if:

  • you are unemployed or are earning less than you have in the past, or
  • you are facing temporary financial hardship (for example, a divorce, serious illness, or death of a co-signer)

To be eligible, you must also:

  • need assistance with payments for your principal residence, which must be located in North Carolina,
  • have satisfactory mortgage payment history prior to your job loss or financial hardship, and be a legal resident of the United States

How To Get Help

The first step is to make an appointment with a Homeownership Advisor who will let you know what documents you need to gather. The advisor will review your situation with you and help you complete an application. For more information, please visit


  • To learn more about this or other foreclosure prevention programs, please call us today at (704) 343-4692.
  • If you are scheduled to attend one of our Foreclosure Prevention Intake Sessions, you can download your information packet by clicking here.