Foreclosure Prevention

The responsibilities of homeownership can be overwhelming.

DHIC’s Homeownership Center offers foreclosure prevention counseling to help Triangle-area homeowners who are at risk of losing their homes find alternatives to foreclosure. These services include:

  • Free counseling and support for homeowners who may be eligible for financial payments under the National Mortgage Settlement and Independent Foreclosure Review.

  • Helping homeowners understand their options: keeping your home through a servicer modification or to selling via the short sale process.

  • Helping eligible homeowners find the additional services that may be available to them.

DHIC is one of 47 organizations participating in the new statewide foreclosure prevention initiative launched by the North Carolina Attorney General from the National Mortgage Settlement and the Independent Foreclosure Review.

If you are currently experiencing a homeownership crisis, please contact Lou Sivulka, our Homeownership Advisor & Foreclosure Prevention Specialist.

Tips when Facing Foreclosure

In addition to seeking help from a DHIC housing counselor, homeowners facing foreclosure should consider the following tips:

  • The earlier a homeowner seeks help, the more viable options they have for saving their home. Homeowners are encouraged to open and respond to all mail from their lenders and from the N.C. Housing Finance Agency. Both parties will provide information regarding the “next steps” in averting foreclosure.

  • North Carolina has a network of legal aid attorneys that provide help at low or no cost. Legal Aid of North Carolina provides free legal services to eligible clients.

  • Homeowners should read and understand the terms of all documents, never appoint a foreclosure prevention company to act on their behalf, and get professional advice from an attorney, a real estate professional or a HUD-approved housing counseling agency. Homeowners who believe they were the victim of a foreclosure recovery scam should contact the N.C. Attorney General’s office at (877) 5-NO-SCAM.

Helpful Documents

Here are some documents you may be asked to read or prepare before we schedule your first counseling session.