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Resources for Natural Disasters

If you or your loved ones have been impacted by Hurricanes Helene or Milton, we’re here to help. Our communities will get through this, together.

Get help with your loan.

If you’re worried about being able to make your payment, get in touch. There may be loan modification or forbearance options available. We'll work with you to find a solution. 

For consumer loans:

  • If you have other questions, call our Consumer Loan Support team at 919.956.4404. 

For home loans:

  • If you think you may have trouble making your monthly payment, call our Mortgage Loss Mitigation team at 800.747.3209. 

For commercial loans:

  • For any questions or support, call our Commercial Loan Servicing team at 800.747.3215. 

 

Get help with insurance. 

Contact your homeowners insurance or renters insurance provider to begin the process of filing a claim. If you need help, contact your state’s department of insurance: 


If you’re a Self-Help mortgage borrower, we can help with home insurance questions. 

Contact our mortgage servicing team or call us at 844.218.7380. 


 

    Apply for a Disaster Relief Loan 

    Eligible members can borrow up to $5,000 for 36 months at 8.75% APR*. 

    Learn more and apply.

    *Annual Percentage Rate 

     

    Apply for disaster assistance. 

    Access relief funds from FEMA, find shelters and more. 

    Apply for assistance.

     

     

    North Carolina Branch Status Updates (Hurricane Helene)

    Our Hendersonville, NC branch will return to full service on Wednesday, December 18.  

    Our Old Fort, NC branch will return to full service on January 3, and the Old Fort ATM will be fully operational on January 7. 

     

       

      Additional Resources 

      Home Repair Resources

      • If you are undertaking home repairs, consider clean energy and energy efficient options — they can be a great way to save money. Self-Help offers affordable financing for green home updates with our Energy Saver Loan. 

      • Buncombe County residents may be eligible for subsidized rates through the Asheville-Buncombe County Electrify program. Learn more. 

      Housing Resources

      • Self-Help has a limited number of free short-term housing options in Charlotte, Durham and Greensboro for people impacted by Helene. We also have affordable longer-term housing options available in those cities. Please contact Dan.Levine@self-help.org for more information. 

      • For resources from other organizations, the WNC Recovery Resource Database is a centralized and collaborative database for addressing urgent and long-term housing needs in Western NC following Hurricane Helene.

      • Federal Emergency Management Agency (FEMA) funds are available for temporary housing, home repairs and other uninsured expenses. 

      Other Resources

      Check out these tips from Self-Help on navigating federal disaster assistance programs: 

       

       

        What Self-Help is Doing to Help

        In the short term, we are offering disaster relief loans, working closely with impacted borrowers, and waiving out-of-network ATM fees.

        For the longer term, we are in conversations with partners who can help mobilize resources to meet pressing needs, as well as provide support for long-term rebuilding.   

        Unfortunately, recovery won’t be a short process. This storm was devastating, and we know the communities and people who were impacted have a long, hard road ahead.    

        But these are our communities, and we intend to be right here, helping with that recovery, for as long as it takes.