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South Carolina free foreclosure assistance and help with mortgage.

Find mortgage help from non-profits as well as the government. There is also free foreclosure assistance in all cities in South Carolina including Columbia, Greenville and Charleston. The various programs provide information, financial assistance for a mortgage payment, and other services to homeowners.

Foreclosure assistance from the South Carolina Foreclosure Task Force

This organization can assist South Carolina residents and offers homeowners a variety of resources as well as access to assistance programs. They will help families save their homes from a foreclosure filing, and one of the primary services they offer is the Mortgage Default and Foreclosure program. Learn more on this program.

Charleston foreclosure clinics

First Federal and Family Services, Inc. offers clinics multiple times per month for Charleston South Carolina residents and other local families. There are counselors who provide free advice, applications to government assistance, and other mortgage help. They provide various types of assistance to families in the region. Click here to learn more about how you can receive help.

SC Hardest Fund

The federal government is providing South Carolina over $100 million that is to be used for mortgage assistance. The money is being provided as part of the hardest hit fund. It is for anyone who is struggling, with a focus on those who had a change in employment. The scheme is known as SC HELP. Learn more on the South Carolina hardest hit mortgage assistance fund.

South Carolina loan modifications

A non-profit agency, the Homeownership Resource Center, which is part of Family Services and NeighborWorks, offers homeowners across the state mortgage loan modifications. This can include possible interest rate reductions, payment plans for the principal as well as applications to other foreclosure prevention programs. Read more.





Housing counseling agencies

Dozens of non-profit housing counseling agencies are located throughout South Carolina. Homeowners who need assistance can visit one of the centers to speak to a counselor and to learn about mortgage assistance, The counselors, which are HUD trained and approved, also help families enroll into the free foreclosure prevention programs. Click here.

Foreclosure moratorium

South Carolina became the first state in the nation to have its Supreme Court issue an order that temporarily stops foreclosures on thousands of homeowners across the state who may be able to qualify for mortgage loan modifications under the Obama administration's recently announced foreclosure-prevention program.

The Supreme Court of South Carolina has put a moratorium on foreclosures that involve any mortgages that are guaranteed or owned by Freddie Mac or Fannie Mae. The freeze also includes other banks and lenders who intend to take part in the federal government loan-modification program. Find more information on Freddie Mac mortgage assistance programs.

At any one time there are thousands of South Carolina homes in foreclosure proceedings. Some are due to a long term hardship, other foreclosures are caused by a financial emergency. The South Carolina court's order will likely slow down, if not completely end, at least half of these foreclosures.

Freddie Mac and Fannie Mae, which requested the temporary restraining order to slow down the process, said the Supreme Court’s ruling gives it additional time to help as well as identify homeowners who may be able to benefit from the administration's modification plan. It will also allow them to provide mortgage help to South Carolina homeowners that should hopefully allow many to keep their homes. As a HUD counselor about this moratorium.



By Jon McNamara

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