How to get mortgage help in Charleston, SC (Tri‑County Region)
If you're have difficulty paying your mortgage in Charleston County, Berkeley County, or Dorchester County, South Carolina, a variety of programs are able to help. Find details on local Charleston area, statewide, and national resources for homeowners looking for mortgage payment assistance, home loan refinancing options, foreclosure prevention, and even down‑payment support.
Local organizations that offer mortgage payment help
Increasing H.O.P.E. Financial Training Center, based in North Charleston, is a key local resource. They provide HUD-certified housing counseling services as a non-profit organization. Among other programs as part of this they offer free one-on-one support to help homeowners understand options such as mortgage modifications, refinancing, or foreclosure prevention.
- The organization has found that those people who have learned how to budget their money and deal with their debt are more likely to get back on track and keep their home. They even have information on how people can get credit card help.The location is at 8570 Rivers Ave, North Charleston, SC 29406. Call (843) 225-4343
Another housing focused organization is Neighborhood Assistance Corporation of America (NACA), which is a national organization with a strong presence in Charleston. The NACA office offers homeowners (no matter their income) comprehensive mortgage counseling and affordable loan refinancing options. Their services include restructuring existing mortgages to achieve manageable home loan payments. They also have information on how to get help with HOA fees or property taxes. The office is at 2420 Mall Drive, Charleston, SC 29406 and dial 843-556-0497.
The Trident United Way (TUW) helps people in Charleston, Berkeley, and Dorchester County - the entire region. They operate Resource Connection Centers which provide access diverse financial services, including mortgage assistance. Through the TUW network, homeowners can receive personalized referrals to free legal assistance in SC for housing issues, including lawyers that help with home loan mediation. It only deals with people who are struggling with payments on their primary residence, and will not help investors. The main office is at 6296 Rivers Ave, North Charleston, SC 29406. Call (843) 740-9000 or look here for the local Resource Centers https://www.tuw.org/TUW-RCC.
Family Services Inc., a leading regional social service organization, operates Origin SC, provides everything from workshops on buying a home to budgeting and details of various mortgage payment relief options. A key service is on equipping homeowners with the necessary tools to manage their finances effectively - whether a home loan, taxes or something else. Other tools for overall finances include debt settlement programs and other resources that help with both a mortgage and overall debt levels.
- One of the keys to this process from Family Services - Origin is working with the borrower and help them establish a budget. They have licensed and certified housing as well as financial counselors who will discuss strategies with the homeowner. The non-profit will help a homeowner develop a plan to get back on track with their monthly mortgage payments. Origin SC also collaborates with state and federal programs to maximize relief for struggling homeowners. The location is 8570 Rivers Avenue, Suite A, North Charleston, SC 29406. Call 843-225-4343.
Statewide organizations that provide foreclosure prevention and mortgage relief in Tri- County area
Beyond local resources in the Tr-County area, homeowners in the Charleston area can also benefit from several statewide initiatives managed by the South Carolina State Housing Finance and Development Authority, commonly known as SC Housing. Their programs provide targeted government sponsored mortgage relief and financial support, including the Palmetto Home Advantage program, which offers forgivable down payment assistance grants for would be and existing homeowners in Charleston too.
- The SC Housing office also offers affordable fixed-rate loans for eligible homebuyers in Charleston County SC, including repeat buyers. Additionally, the Mortgage Credit Certificate (MCC) program offered through SC Housing helps homeowners by significantly reducing federal tax liabilities, thereby reducing monthly expenses. Call (803) 896-9001
CommunityWorks Carolina is a nonprofit serving residents across South Carolina, including the Tri-County area. They offer everything from budgeting and financial wellness coaching, which can help struggling homeowners refi their existing home loan and it can help would be buyers. The number is (864) 235-6331
Residents of Charleston, Berkeley, and Dorchester counties that are facing a foreclosure, or are just facing mortgage payment challenges have numerous options to explore. By utilizing local expertise from Increasing H.O.P.E., NACA, TUW, and Origin SC, combined with state-level support from SC Housing and CommunityWorks, there are organizations that help people buy a home or pay a past due mortgage.
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