|Advice and Counseling in North Carolina: HUD-approved Housing Counseling Agencies provide advice and counseling on a variety of housing issues including: homeownership, avoiding foreclosure, rental opportunities, homelessness, reverse mortgages, etc. In most cases, their services are FREE or for a small charge. Call (800) 569-4287, then enter your 5 digit ZIP Code to locate the counseling agency nearest you or visit our website.
Avoiding Foreclosure - There are several programs to help you work with your lender to stay in your home or reach other terms to work out other solutions. Don't delay. Here are some resources for you:
Government Programs - Several other federal agencies provide housing and other types of services. Find out about other government assistance that you may qualify for by visiting: www.benefits.gov.
HOPE Now - A National alliance to help distressed homeowners keep their homes. (888) 995-HOPE (4673)
Making Home Affordable - a resource for loan modification/refinancing tools to help you stay in your home. (888) 995-HOPE (4673)
If you have an FHA-insured mortgage, contact the FHA Servicing/Loss Mitigation Center at (877) 622-8525 or contact our FHA Resource Center at (800) 225-5342 (press option 1). If you don't know whether you have an FHA-insured mortgage, contact your mortgage company and ask if it is an FHA-insured mortgage. They will be able to tell you what type of mortgage you have (e.g., FHA-insured, Fannie Mae, conventional, etc.).
The North Carolina Housing Finance Agency manages The N.C. Foreclosure Prevention Fund™ a program that helps North Carolina homeowners who are struggling to make their mortgage payments due to job loss or temporary financial hardship. For qualified homeowners, the Fund can provide an interest-free loan of up to $36,000 to pay your mortgage and other related expenses for up to 36 months while you search or retrain for new employment. If you are currently employed but have a second mortgage that is unaffordable because of a prior job loss or reduced income, the Fund offers an interest-free loan of up to $30,000 to pay off your second mortgage. The Fund provides assistance at no cost to you.
FEDERAL GOVERNMENT AND STATE ATTORNEYS GENERAL REACH $25 BILLION AGREEMENT WITH FIVE LARGEST MORTGAGE SERVICERS
The State of North Carolina Attorney General’s Office provides legal representation and advice to all state government departments, agencies and commissions. The Attorney General also provides legal opinions at the request of other public officials and handles all criminal appeals from state trial courts. When the state's public interests are at stake, the Attorney General can take legal action on behalf of North Carolina's citizens. Additional information and contact information for the Attorney General's office is available at http://www.ncdoj.gov/ or (919) 716-6400.
Grants from HUD - Although HUD does not provide grants directly to individuals, HUD does provide grants to governments, nonprofits, and other eligible grantees who administer various housing and community development programs that individuals may qualify for. To find out if you may qualify for assistance for homeownership assistance or assistance to have your home repaired/rehabilitated or other types of assistance, contact the following HUD grantees. If you do not see your community listed, contact the listing for the Commonwealth.
Community Development Block Grants
Section 8/Vouchers/Subsidized and Low-Rent Apartments
Rental help - information about housing choice vouchers (Section 8), subsidized apartments, low-rent apartments, and more
Public Housing Customer Service Center at (800) 955-2232 or email
The North Carolina Housing Finance Agency is a self-supporting public agency. The Agency's mission is to create affordable housing opportunities for North Carolinians whose needs are not met by the market. Since its creation in 1973 by the General Assembly, the Agency has financed nearly 206,000 affordable homes and apartments, totaling more than $13.3 billion. The Agency provides financing through the sale of tax-exempt bonds and the management of federal and state tax credit programs, the HUD HOME Program, the state Housing Trust Fund, and other programs. You may call the office at (919) 877-5700 or (800) 393-0988. For the hearing-impaired, dial 711 for Relay North Carolina Services.
Homeless Programs - HUD has many programs available to help the homeless in North Carolina
HUD's Homeless Assistance page for North Carolina offers available resources.
Homeownership - HUD's FHA offers a variety of Single Family (1-4 units) mortgages to help you buy a home with little money down (about 3 ½ percent). Find out more by calling our FHA Resource Center/Atlanta Homeownership Center (HOC) - (800) 225-5342 and pressing option 3 and then 4; or, go online to find answers to your questions. HUD also provides grants to governments and nonprofits to provide homebuyer assistance, so be sure to visit our Learn About Homeownership page to find out if there is funding available and if you qualify.
HUD Homes for Sale - The sale of HUD homes has been contracted to various companies. You can find the contact information along with a listing of HUD homes for sale on the website. For additional information or assistance, HUD's Atlanta Homeownership Center (HOC) oversees the contracts on all HUD homes and you may contact our FHA Resource Center at (800) 225-5342 (press option 3 and then 2) to speak with a representative.
Working for HUD - If you would like a career with HUD or with the federal government, please visit www.usajobs.gov to look up job openings and apply for a position. All Federal jobs are posted on this website.
Advice and Counseling (HUD-approved)
Foreclosure (Avoiding Foreclosure)
Grants from HUD for Individuals
HUD Frequently Called Telephone Numbers
HUD Homes for Sale
Working for HUD
Contact Us by Phone:
To reach our office, you may call us at (336) 547-4000. You will be prompted to choose from the following selections:
Enter the extension of the person you are calling if you know their extension or press:
1 - If you know the last name of the person you are calling
3 - For Public Housing/Section 8 inquiries
4 - For our office of Community Planning and Development
5 - For our office of Fair Housing and Equal Opportunity
6 - For our office of Multifamily Asset Management
7 - For our office of Multifamily Production
8 - For our Field Policy and Management Division (Field Office Director’s office)
9 - For other options
HUD Frequently Called Telephone Numbers/Links:
Builders of Hope, a Raleigh-based nonprofit affordable housing developer, is transforming blighted properties into energy efficient, healthy homes for North Carolina families earning below the area median income. With Neighborhood Stabilization Program (NSP) funding provided to Raleigh, Durham and Charlotte, Builders of Hope is using their Extreme Green Rehabilitation Process to rehabilitate homes, implement a work mentor program and provide green construction jobs to residents. All of these outcomes are a part of Builders of Hope’s mission to increase the availability of high-quality, safe, affordable housing for working families.