The U.S. Department of Housing and Urban Development
http://portal.hud.gov/hudportal/HUDsrc=/topics/avoiding_foreclosure
The website provides general information about the programs enacted under the Obama Administration to assist homeowners at risk of foreclosure. The different programs are listed along with the contact information of The Federal Housing Administration, which can assist homeowners near the brink of foreclosure.
List of Approved N.C. House Counseling Agencies
http://www.hud.gov/offices/hsg/sfh/hcc/hcs.cfmwebListAction=search&searchstate=nc
The U.S. Department of Housing and Urban Development provides a search tool to find approved house counseling agencies in any Area. This list includes numerous non-profit and for-profit organizations that wish to help struggling homeowners through counseling and assistance.
The N.C. Foreclosure Prevention Fund
http://www.ncforeclosurehelp.org/
The N.C. Foreclosure Prevention Fund seeks to aid N.C. homeowners who struggle to make their mortgage payments due to temporary financial hardships. The fund does this through interest free loans offered through the North Carolina Housing Finance Agency, which uses funds allotted by the U.S. Treasury.
The State Home Foreclosure Prevention Project
Call 1-888-442-8188
http://www.ncforeclosurehelp.org/
The State Foreclosure Prevention Project helps homeowners facing foreclosure for any reason through counseling and legal service access. Call the agency if you have been given a 45-day pre-foreclosure notice or see their contact information on the link provided above.
Homeowner’s HOPE Hotline/Homeownership Preservation Foundation
http://www.995hope.org/
888-995-HOPE
The Homeownership Preservation Foundation (HPF) is a network of non-profits that helps distressed homeowners navigate their budget challenges by providing specific actions steps and, whenever possible, helping them to avoid foreclosure. And best of all, it is completely free.
Homeowners HOPE™ Hotline – 888-995-HOPE™. This hotline is staffed by HUD-approved credit counselors who can guide you through possible options.
HOPE NOW
http://hopenow.com/contact-us.php
HOPE NOW is an alliance between counselors, mortgage companies, investors, and other mortgage market participants. This alliance will maximize outreach efforts to homeowners in distress to help them stay in their homes and will create a unified, coordinated plan to reach and help as many homeowners as possible.
Self-Help
http://www.self-help.org/
A community and real estate developer lender that also serves as a credit union that works with underserved locations. They receive funds from individuals and various institutions across the United States. They engage in the practice of small business and home lending, community facilities lending and real estate development to make socially responsible investments.
Center for Responsible Lending
http://www.responsiblelending.org
In affiliation with Self-Help, one of the nation’s largest community development lenders, the Center for Responsible Lending seeks to transform the U.S. lending systems into an equitable, transparent and responsible market. They conduct research and analysis, educate and advocate for low-income homeowners nationwide, build coalitions, pursue litigation, offer expertise and support legal assistance.
The North Carolina Justice Center
http://www.ncjustice.org/?q=contact
North Carolina’s leading research and advocacy organization dedicated to eliminating poverty and ensuring economic security for all of the state’s households. The Justice center focuses on low to moderate income North Carolinians through a strategy that involves Litigation, Analysis, Advocacy, Education and Communication. They advise that you contact them through the link above because they cannot respond to individual requests for legal assistance or advice through e-mail.
The North Carolina Housing Coalition
http://www.nchousing.org/need_help/foreclosure-prevention-resources
A Coalition that serves to educate the public about the issues facing low-income families, advocate for these residents and empower people to impact issues that affect their lives. They provide a detailed list of housing counseling resources, legal assistance organizations, ways to file complaints and much more.
Legal Aid of North Carolina
http://www.legalaidnc.org/public/learn/Statewide_Projects/MFP/default.aspx
The LANC’s Mortgage Prevention Unit seeks to keep low-income families in possession of their homes and equity. The unit includes a staff of attorneys who specialize in foreclosure defense and predatory lending law. They provide multiple telephone numbers of contact to their services.
North Carolina Housing Foundation
http://www.nchsm.org/
A non-profit housing development organization that sponsors and develops properties independently and also in partnership with organizations that wish to provide housing for lower income families and individuals. The foundation then manages these housing complexes through a team approach and a coordination of services.
NCCU School of Law: Foreclosure Prevention Project
http://law.nccu.edu/foreclosure-prevention-project/
919-530-6333
This project, directed by Legal Writing Professor Timothy J. Peterkin, will provide assistance to homeowners facing foreclosure in North Carolina.