Keeping families in their homes is one of the most pressing issues before us as a nation. There are a number of resources available for homeowners in Southeastern North Carolina who are having difficulty with making their mortgage payments. 

Homeownership is part of the American dream, and I am committed to helping individuals and families keep this dream alive. Below you will find a number of resources that will be able to provide you information about federal programs that may be able to assist you as well as other alternatives to foreclosure.

• Working with your lender
• Approved Housing Counseling Agencies
• North Carolina Commissioner of Banks
• North Carolina Housing Finance Agency
• North Carolina Legal Aid
• Working with a local realtor

Working with your lender

Distressed homeowners are encouraged to contact their lenders and loan servicers directly to inquire about foreclosure prevention options that are available.

Approved Housing Counseling Agencies

If you are experiencing difficulty communicating with your mortgage lender or servicer about your need for mortgage relief, the Department of Housing and Urban Development has approved Housing Counseling Agencies that can help contact lenders and servicers on your behalf. Those agencies in Southeastern North Carolina are listed below.

North Carolina Office of the Commissioner of Banks

The North Carolina Office of the Commissioner of Banks charters, licenses and regulates a variety of financial institutions within the State. If you need to file a complaint about a state chartered bank, you may do so here.

North Carolina Housing Finance Agency

The North Carolina Housing Finance Agency (NCHFA) runs the State Home Foreclosure Prevention Project, which provides assistance to homeowners who are struggling with their mortgage. Do not hesitate to ask for help. Visit www.ncforeclosurehelp.org for more information. Be sure to also see that site's Frequently Asked Questions for additional guidance.

North Carolina Legal Aid     

Legal Aid of North Carolina (LANC) is a statewide, nonprofit 501(c)3 law firm that provides free legal services in civil matters to low-income people in order to ensure equal access to justice and to remove legal barriers to economic opportunity.

Through the Mortgage Foreclosure Prevention program provides legal representation in foreclosure actions to saves homes, preserve credit ratings and strive to make prohibitive the cost of conducting business for the unscrupulous brokers and lenders. The program also promotes community education to increase awareness of home finance best practices and the dangers of predatory lending.

For immediate help with your foreclosure please call 1-866-219-LANC

Legal Aid offices in Southeastern North Carolina are listed below:

Working with your local realtor

Your local realtor can also be a valuable resource in the case you need to sell your home to prevent foreclosure. The North Carolina Realtors Association can be accessed here.