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COVID-19 and the CARES Act

FAQs for Homeowners

If you have been financially impacted by the COVID-19 pandemic and are concerned with the ability to pay your mortgage, please see the FAQS for Homeowners Impacted by COVID-19 Pandemic for further information.

Paycheck Protection Program (PPP)

Information on the Payment Protection Program (PPP) under the Coronavirus Aid, Relief, and Economic Security Act (CARES Act), intended to help small businesses sustain operations and keep workers employed.

COVID-19 Scams

Beware of scams related to COVID-19. The Federal Trade Commission has posted a "Coronavirus Scams: What the FTC is doing" web page.

Check on the status of your Economic Impact Payment

The best way to check on the status of your Economic Impact Payment is via the IRS website: Please note that due to the unprecedented volume of users, this is putting a strain on many websites and apps, including bank on-line systems. Please be prepared for delays. Thank you for your patience and understanding.

Getting Rent and Utility Assistance Through the HOPE Program

The ongoing COVID-19 pandemic has impacted North Carolinians in unprecedented ways, especially as it relates to their pocketbooks. On account of those financial issues, the government suspended evictions for much of the pandemic. Unfortunately, that’s now coming to a close: North Carolina’s evictions moratorium ended on June 30 and the CDC’s evictions moratorium, which applies to certain North Carolinians, is slated to end on July 31.

However, even with North Carolina’s evictions moratorium expiring, there is still funding assistance to help North Carolinians. The Housing Opportunities and Prevention of Evictions Program (HOPE program) provides federal COVID-19 relief funds to renters to help prevent evictions and utility disconnections.

This program is available in 88 North Carolina counties for people who meet the eligibility requirements. Check this interactive map to see if this program applies to you. If the HOPE program is not available within your county, you may still be able to apply to your county’s local or tribal rent and utility assistance program.

If the HOPE program is available within your county and fits your circumstances, here’s what you should do to apply:
  • First-time applicants should visit this website (also available in Spanish) to apply.
  • After your application is submitted, your eligibility will be reviewed and your award will be calculated accordingly.
  • Payments will occur after the agreements are signed.
  • For returning applicants, check your email for a link to reapply and contact your HOPE Specialist for help reapplying.

This FAQ from the program may also be helpful: While the North Carolina Department of Justice cannot process most evictions-related requests or questions related to the HOPE program, you can contact the HOPE program directly at (888) 9ASK-HOPE or (888) 927-5467.

Pandemic Related Mortgage Assistance Through the North Carolina Housing Finance Agency

Funds may be available through the North Carolina Housing Finance Agency to assist with mortgage delinquency, default, displacement, and foreclosure. North Carolina consumers facing pandemic related difficulties are encouraged to visit to learn more about the North Carolina Homeowner Assistance Fund.