When your home is on the line, the sooner you contact us, the more options you will have to deal with your situation. 

Our foreclosure prevention counseling helps clients who: 

• Are late on their mortgage payment; 
• Are in danger of becoming late on their mortgage payment; 
• Have a mortgage in default, or 
• Have a mortgage in foreclosure. 

This service is available to people who are currently living in the home.

During the appointment, your certified financial/housing counselor will evaluate your current financial situation, your loan, and the amount in delinquency. After gathering the necessary information, your counselor will work with you and your lender to find realistic options for you that are acceptable to your lender. Possible solutions include: a loan modification, home refinance, or a forbearance agreement. When needed, our counselors will personally contact the mortgage lender to help create an affordable payment plan. 

To get started with Foreclosure Prevention Counseling, fill out our Intake Form or call us at 828-255-5166 option 3. 

Are you facing foreclosure? The North Carolina Homeower Assistance Fund has been allocated $273 million to help homeowners facing foreclosure. To apply for these funds, visit https://nchaf.gov/