Mortgage Assistance

If you are having difficulty making your mortgage payment one of the most important things that you can do is to seek assistance right away. Lenders prefer to work out a solution before missed payments start piling up.

These resources and agencies can help you find a workable solution and offer some advice on managing your situation. 


Grid Financial Services

Grid Financial Services is a loan modification provider that works with LifeStore to assist our loan customers. Click here to login to their website.


North Carolina Foreclosure Prevention Fund

The N.C. Foreclosure Prevention Fund™ offers a Mortgage Payment Program to North Carolina homeowners who are struggling to make their mortgage payments due to no fault of their own or other temporary financial hardship, such as a divorce, serious illness, or death of a co-signor.


Home Affordable Modification Program (HAMP)

If you’re struggling to make your mortgage payments, you may be eligible for the Home Affordable Modification Program (HAMP®). HAMP may lower your monthly mortgage payments in order to make them more affordable and sustainable for the long-term.


Mortgage Relief Assistance

This condensed easy to follow reference was produced by NC State University Department of Extension. It contains helpful tips to prevent foreclosure.


Personal Economic Aid Resource Links for North Carolina (PEARLNC)

The State Library of North Carolina provides these helpful resources for North Carolina housing and mortgage assistance.


American Bankers Association (ABA)

For others who are having trouble paying down debts, ABA advises taking action -- sooner rather than later -- to solve debt problems with the following tips:

  • Talk with creditors – the sooner you talk to them, the more options you have;
  • Don’t charge more purchases until your problems are solved;
  • Avoid bankruptcy – it’s a short-term solution with long-term consequences; and
  • Contact Consumer Credit Counseling Services at 1-800-388-2227.

For more information on budgeting, saving and managing credit, visit the ABA Education Foundation’s Consumer Connection web page at

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