Foreclosure Prevention

The American Dream of Homeownership can go up in smoke when a change in financial circumstances causes you to become delinquent or default on your mortgage loan.   If this happens to you, don't waste precious time hoping it will get better.  Call CCCS for a Housing Counseling appointment.  CCCS credit counselors are also certified Housing Counselors through the NC Association of Housing Counselors and the Affordable Housing Coalition.    CCCS is a HUD approved Housing Counseling Agency for all of your housing counseling needs.  

CCCS counselors can negotiate with your mortgage lender for repayment options which may be available to you such as a special forebearance agreement, loan modification, or partial claim to get your mortgage payments caught up.  Other options may also be available for a temporary hardship situation.  A thorough financial analysis will help you to see how you can go about getting your mortgage caught up and staying on track by prioritizing your expenses and budgeting carefully.  

Should foreclosure become a real threat, you need all the information you can get to best handle this possibility with the least amount of damage to your family and finances.  If you are facing the possibility of foreclosure, let CCCS help you identify what options may be available to assist you in maintaining your home. Contact the CCCS Appointment Desk at (336) 896-1191 and request a Housing Counseling appointment. 

NC Home Protection Pilot  Program

During periods of economic downturn, many workers are laid off or lose their jobs through no fault of their own. This can lead to defaulting on mortgage payments and threatening the family home. There is a special loan pilot program in North Carolina available in 26 counties, including Forsyth, to assist people with mortgage payments until new employment is established. It is called the North Carolina Home Protection Pilot Program and Loan Fund. Consumer Credit Counseling of Forsyth County can provide screening to determine if you qualify and help you to submit an application.

For additional resources, please see:
http://www.nchfa.com/