Help for the Hardest Hit Homeowners
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- Dominic West
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1 A temporary setback doesn t have to mean a permanent loss Help for the Hardest Hit Homeowners For more information:
2 . The N.C. Foreclosure Prevention Fund offers help to North Carolina homeowners who are struggling to make their mortgage payments due to job loss or other temporary financial hardship, such as separation or divorce, serious illness or the death of a loved one,. The N.C. Foreclosure Prevention Fund is offered by the N.C. Housing Finance Agency, a self-supporting state agency, and funded through the U.S. Department of the Treasury's Hardest Hit Fund. Services are provided by participating HUD-approved counseling agencies statewide and there is no charge to the homeowner. Homeowners may be eligible for help through one of the following programs designed to help them prevent foreclosure. Mortgage Payment Program (MPP) MPP provides a zero-percent interest, non-recourse, deferred, subordinate loan that will be forgiven after 10 years. The loans will assist homeowners who are unemployed, re-employed or are dealing with an eligible financial hardship on or after January 1, Loan funds can be used to bring pastdue mortgage(s) current and/or pay monthly mortgage(s) and mortgage-related expenses (i.e., property taxes, fire insurance, mortgage insurance, and homeowner s association dues) while the homeowner seeks or trains for a new job. Homeowners will be eligible to receive up to $36,000 in assistance for up to 18 months, or up to 36 months if enrolled in school or job training. Second Mortgage Refinance Program (SMRP) SMRP provides a zero-percent interest, non-recourse, deferred, balloon, subordinate loan. The loan becomes due and payable if property is sold, refinanced or no longer owner occupied. Loans are repayable at the time of a sale or non rate/term refinance or will balloon at the end or maturity of the first lien. The loans will provide assistance to recovered, employed homeowners who have an unaffordable second mortgage due to a prior unemployment, under-employment, or other programeligible financial hardship on or after January 1, The program will extinguish an existing second mortgage up to $30,000 to achieve a monthly payment not exceeding 36% of the homeowner s current gross monthly income.
3 From the time a homeowner first makes contact to seek help, the process of applying for and receiving a loan through the N.C. Foreclosure Prevention Fund can take up to four weeks, and in certain cases, even longer. The amount of time required determining eligibility, approving the application, and paying funds to their mortgage servicer may depend on a number of factors. 1. The homeowner can call , the NC Foreclosure Prevention Call Center to contact a participating HUD-approved housing counseling agency. 2. They are referred to a housing counselor to call to make an appointment or they may apply directly with us online at without the assistance of a housing counselor. 3. The homeowner will need to take time to put together the required financial and legal documents before his/her appointment or applying online. 4. The homeowner can apply online or can meet with the counselor to complete the application, which is submitted along with supporting documentation to the NC Housing Finance Agency. 5. The N.C. Housing Finance Agency reviews the application and responds within 30 to 45 days of receiving it. If the homeowner is 90 days or more delinquent upon acceptance of the application by the North Carolina Housing Finance Agency, the Agency may place a 120-day stay-of-foreclosure on the property. 6. The counselor or closing entity sets up a closing date on the new loan within five days of receipt of the closing package. After the loan closes, the counselor files the Deed of Trust with the local Register of Deeds and submits closing documents to the N.C. Housing Finance Agency. 7. The N.C. Housing Finance Agency will review the closing documents and make the monthly payments directly to the loan servicer and other mortgage-related parties if applicable, such as the taxing authority, homeowner's insurance company, and homeowner's association. 8. The counselor or North Carolina Housing Finance Agency will stay in touch with the homeowners periodically throughout the loan period, to ensure they continue to meet eligibility requirements, such as searching or retraining for a job and continuing to reside in the home.
4 While eligibility requirements vary for each of the two programs in the N.C. Foreclosure Prevention Fund, knowing the minimum requirements up-front will give some idea if the homeowner should seek assistance. REQUIREMENTS: 1. Homeowner must be a North Carolina resident, a legal U. S. resident and must occupy the home as his/her principal residence. 2. Homeowner cannot currently owe more than $300,000 on all existing mortgages on the primary residence. 3. Homeowner must have lost a job or experienced a reduction in income through no fault of his/her own, or is facing or has faced a temporary financial hardship such as serious illness, separation, divorce, or death of a co-borrower on or after January 1, 2008 and needs to find new employment. 4. Homeowner must have a good mortgage payment history prior to the recent unemployment or income loss. During the six months prior to the hardship date, payments on the first mortgage cannot exceed 30 days past due. Payment history on other obligations is not considered. 5. Homeowner must demonstrate an ability to resume his/her mortgage payment once assistance ends; that is, be employable. 6. If self-employed and continuing in the business, homeowner must show taxable income for three of the previous five years. 7. Homeowner may own one additional property, unless properties are used for self-employed business. 8. Home may be a single family dwelling, condo, townhouse, modular or mobile home if attached to the ground and taxed as real property. 9. Only mortgages to financial institutions (not private parties) qualify.
5 1. Contact a housing counselor in a partner agency serving the area (see directory following). 2. Call for the counseling agency in the local area or for assistance in applying online at Hours: Monday through Thursday Friday Saturday 8:00 a.m. to 9:00 p.m. 8:00 a.m. to 8:00 p.m. 9:00 a.m. to 5:00 p.m. The N.C. Foreclosure Prevention Fund partners with HUD-approved counseling agencies across the state. These agencies are dedicated to helping struggling homeowners by offering: free foreclosure prevention guidance, completing and submitting the application information about other housing assistance programs in case the homeowner doesn t qualify for a loan through the N.C. Foreclosure Prevention Fund
6 EASTERN REGION of the State AMEZ Housing Community Development Corporation Brunswick, Columbus, New Hanover & Pender counties Main Office: Wilmington (619 Nixon Street) Blue Springs-Hoke County Community Development Corporation Cumberland, Hoke, Richmond, Robeson & Scotland counties Main Office: Raeford (114 N. Main Street) Cape Fear Regional Community Development Corporation Bladen, Brunswick, Columbus, New Hanover & Pender counties Main Office: Wilmington (500 Compton Street) Choanoke Area Development Association Bertie, Halifax, Hertford, Hyde, Northampton, Tyrell & Washington counties Main Office: Rich Square (120 Sessom Drive) Other Offices: Ahoskie, Roanoke Rapids & Windsor Cumberland Community Action Program/CCCS of Fayetteville 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. Main Office: Fayetteville (316 Green Street) Other Offices: Fayetteville, Goldsboro, Kinston, New Bern, Smithfield, Southern Pines & Wilmington Greenville Housing Development Corporation *part of the Greenville Housing Authority Beaufort, Edgecombe, Greene, Lenoir, Nash, Pitt & Washington counties Main Office: Greenville (1103 Broad Street) Kingdom Community Development Corporation Bladen, Cumberland, Harnett, Hoke, Lee Robeson & Sampson counties Main Office: Fayetteville (308 Green Street) Northeastern Community Development Corporation Camden, Chowan, Currituck, Dare, Gates, Pasquotank & Perquimans counties Main Office: Camden (154 Highway 158 East)
7 EASTERN REGION of the State (continued) Outer Banks Community Development Corporation Currituck, Dare, Hyde & Tyrell counties Main Office: Kill Devils Hills (115 S. Mustian Street) River City Community Development Corporation Camden, Chowan, Currituck, Dare, Gates, Pasquotank, Perquimans & Tyrell counties Main Office: Elizabeth City (501 E. Main Street) Robeson County Community Development Corporation Bladen, Columbus, Hoke, Robeson & Scotland counties Main Office: Rowland (114 E. Main Street) Rocky Mount-Edgecombe Community Development Corporation Edgecombe and Nash counties Main Office: Rocky Mount (148 S. Washington Street, Suite 108) Twin Rivers Opportunities, Inc. Carteret, Craven, Jones & Pamlico counties Main Office: New Bern (518 Craven Street) Wilson Community Improvement Association Greene, Pitt, Wayne & Wilson counties Main Office: Wilson (504 E. Green Street)
8 CENTRAL REGION of the State Alliance Credit Counseling Alexander, Anson, Cabarrus, Catawba, Cleveland, Gaston, Iredell, Lincoln, Mecklenburg, Rowan, Stanly & Union counties Main Office: Charlotte (13777 Ballantyne Corporate Place, Suite 100) Charlotte Mecklenburg Housing Partnership, Inc. Cabarrus, Gaston, Iredell, Lincoln, Mecklenburg & Union counties Main Office: Charlotte (4601 Charlotte Park Drive, Suite 350) Community Link Anson, Cabarrus, Mecklenburg & Union counties Main Office: Charlotte (601 E. Fifth Street) Other Offices: Cornelius, Concord & Monroe Consumer Credit Counseling Services of Forsyth County Alleghany, Ashe, Davie, Forsyth, Iredell, Stokes, Surry & Yadkin counties Main Office: Winston-Salem (8064 North Point Boulevard, Suite 204) Other Offices: Kernersville, Mocksville, Statesville & Yadkinville Consumer Credit Counseling Services of Gaston Cleveland, Gaston & Lincoln counties Main Office: Gastonia (214 E. Franklin Boulevard) Other Office: Lincolnton Consumer Credit Counseling Services of Greater Greensboro Alamance, Caswell, Davidson, Guilford, Randolph, Rockingham & Rowan counties Main Office: Greensboro (315 E. Washington Street) Other Offices: Asheboro, Burlington, High Point, Lexington, Salisbury, Wentworth & Yanceyville Consumer Education Services, Inc Alamance, Durham, Franklin, Granville, Halifax, Harnett, Johnston, Lee, Lenoir, Nash, Orange, Pitt, Vance, Wake, Wayne & Wilson counties Main Office: Raleigh (3700 Barrett Drive) Davidson County Community Action, Inc. Davidson, Davie, Forsyth & Randolph counties Main Office: Lexington (15 E. Second Avenue) Durham Regional Financial Center Alamance, Durham, Franklin, Granville, Orange, Person & Wake counties Main Office: Durham (315 E. Chapel Hill Street) Other Offices: Hillsborough & Oxford
9 Franklin-Vance-Warren Opportunities, Inc. Franklin, Granville, Person, Vance & Warren counties Main Office: Henderson (116 Young Street) Greensboro Housing Coalition Guilford County Main Office: Greensboro (122 N. Elm Street, Suite M-2) Guilford County Homeownership Center Alamance, Davidson, Forsyth, Guilford, Randolph & Rockingham counties. Main Office: Greensboro (122 N. Elm Street, Suite 504) Monroe-Union County Community Development Corporation Union County Main Office: Monroe (349 E. Franklin Street) Prosperity Unlimited Cabarrus, Iredell, Mecklenburg, Rowan & Stanly counties Main Office: Kannapolis (1660 Garnet Street, Suite A) Other Offices: Locust and Mooresville Raleigh Area Development Authority Cumberland, Durham, Edgecombe, Franklin, Harnett, Johnston, Lee, Nash, Wake, Wayne & Wilson counties Main Office: Raleigh (4030 Wake Forest Road, Suite 205) Reinvestment Partners Alamance, Chatham, Durham, Franklin, Granville, Johnston, Orange, Person, Vance, Wake & Warren counties Main Office: Durham (400 W. Main Street, # 408) Salisbury Community Development Corporation Davidson, Iredell & Rowan counties Main Office: Salisbury (1400 West Bank Street) Telamon Corporation Durham, Franklin, Harnett, Johnston & Wake counties Main Office: Raleigh (5560 Munford Road, Suite 202) Other Office: Clayton Triangle Family Services Chatham, Durham, Johnston, Orange & Wake counties Main Office: Raleigh (700 Blue Ridge Road, Suite 101) Other Office: Durham ext. 125 White Oak Foundation Chatham, Durham & Wake counties Main Office: Apex (1621 White Oak Church Road)
10 WESTERN REGION of the State Cleveland County Community Development Center Cleveland County Main Office: Shelby (823 W. Warren Street) Consumer Credit Counseling Services of the Carolina Foothills Polk & Rutherford counties Main Office: Spindale (200 Ohio Street) Northwestern Regional Housing Authority Alleghany, Ashe, Avery, Mitchell, Watauga, Wilkes & Yancey counties Main Office: Boone (869 Highway 105 Extension, Suite 10) Other Offices: North Wilkesboro Olive Hill Community Economic Development Corporation Burke, Catawba, Caldwell & McDowell counties Main Office: Morganton (420-C West Flemington Drive) On Track Financial Education & Counseling Services Ashe, Avery, Buncombe, Cherokee, Clay, Graham, Haywood, Henderson, Jackson, Macon, Madison, McDowell, Mitchell, Polk, Swain, Transylvania, Watauga & Yancey counties Main Office: Asheville (50 S. French Broad Avenue, Suite 227) Western Piedmont Council of Governments Alexander, Burke, Caldwell & Catawba counties Main Office: Hickory (936 Fourth Street, SW)
Help for the Hardest Hit Homeowners
A temporary setback doesn t have to mean a permanent loss Help for the Hardest Hit Homeowners For more information: www.ncforeclosureprevention.gov 1.888.623.8631 . The N.C. Foreclosure Prevention Fund
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