If you're a homeowner behind on mortgage payments or facing foreclosure, here are some places to call for information or help:
Contact the company that services your loan as soon as possible. They may be willing to adjust your payments.
You can also contact a counseling agency, which can work with the lender on your behalf. In Charlotte, United Family Services offers counseling at 704-332-9034. Outside Charlotte, you can find a local agency by calling the U.S. Department of Housing and Urban Development at 800-569-4287 or online at www.hud.gov/offices/hsg/sfh/hcc/hccprof14.cfm.
You can also call a national nonprofit, the Home Ownership Preservation Foundation, at 888-995-4673.
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If you believe your home purchase may involve illegal or unethical work by real estate professionals, contact:
N.C. Appraisal Board: 919-870-4854 or www.ncappraisalboard.org.
N.C. Banking Commission (which licenses loan officers and mortgage brokers): 919-733-3016 or www.nccob.com.
N.C. Real Estate Commission: 919-875-3700 or www.ncrec.state.nc.us.
The N.C. Attorney General Consumer Protection Division: 877-566-7226 or www.ncdoj.com/consumerprotection/cp_about.jsp
The FBI: 704-377-9200 in North Carolina.