Charlotte Mortgage Relief Assistance Program
The City of Charlotte is partnering with DreamKey Partners (formerly Charlotte-Mecklenburg Housing Partnership) to provide mortgage relief assistance for homeowners who need help with mortgage payments as a result of COVID-19.
Assistance will be prioritized for homeowners with an
active HouseCharlotte Downpayment Assistance loan, and who have experienced a loss or reduction of income due to COVID-19. The program provides up to 3 months of mortgage payments (principal, interest, taxes and insurance), as a grant to qualified applicants.
Approved applicants must attend foreclosure prevention counseling with DreamKey Partners (formerly Charlotte-Mecklenburg Housing Partnership).
Households with an active HouseCharlotte loan.
Households with an income of up to 80% AMI prior to loss or reduction due to COVID-19 (chart below).
Homeowners must be current on mortgage prior to loss of income due to COVID-19.
Household Size / Income Limit (current as of June 15, 2022)
How to apply:
Mortgage Relief Assistance Program applicants should
complete the pre-application
Applicants will be notified via email within one week of submitting an application.
Upon request selected applicants will be required to provide the following documents:
Income verification (last two paystubs)
Verification of Job Loss or Income Loss
Verification of Mortgage Payment (Mortgage Payment Statement)
For more information, please contact DreamKey Partners (formerly Charlotte-Mecklenburg Housing Partnership) at
This program is being managed by DreamKey Partners (formerly Charlotte-Mecklenburg Housing Partnership) in compliance with all federal, state, and local fair housing laws. DreamKey Partners will not discriminate against any person because of race, color, religion, national origin, sex, familial status, disability, or any other specific classes protected by applicable laws. DreamKey Partners will allow any reasonable accommodation or reasonable modification based upon a disability-related need.