Financial Counseling


NC Foreclosure Prevention Fund

Financial help is available for North Carolina homeowners who are struggling to pay their mortgages because they’ve lost their jobs or experienced other temporary hardships.

The assistance will be provided as a zero-interest, deferred loan of up to $24,000 or 24 months of mortgage-related payments. In high unemployment counties designated as "hardest hit", the maximum assistance is $36,000 or 36 months.

See listing of "hardest hit" counties here.

Homeowners will resume making their own mortgage payments at the end of the loan period. If the owner continues to live in the home for 10 years, the loan will be considered satisfied and no repayment will be due.

To be eligible, homeowners must have a good mortgage payment history prior to the job loss or hardship, have potential to resume their mortgage payments once the assistance ends, and meet other program guidelines.

For more information about eligibility, homeowners in Western North Carolina should call OnTrack WNC at 828-255-5166 or 1-800-737-5485.

"Recently laid off from my long-term job, I had trouble finding similar work.  OnTrack WNC was helpful in getting me this loan to cover my mortgage while I study a new trade.  I was relieved to discover help available for people in my situation.  It sure feels good to have some of the pressure off."

- Randy Laws, Proud Homeowner

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