Questions about HOAs?

State law (S.C. Code Ann. § 27-30-340) requires DCA to collect certain data from complaints involving homeowners associations (HOA). SCDCA is reviewing the complaint data received in conjunction with the complaint forms for potential improvements. Any suggestions for content or process improvements may be submitted to DCA by e-mail or snail mail.

For more information on the Homeowners Association Act and other HOA education, click here.

Facing Foreclosure?

If you are having trouble making your mortgage payment, you are in the right place.   Below are links to frequently asked questions for consumers facing foreclosure in SC and other resources to help you stay in your home or otherwise avoid foreclosure.

Help Is Available

• Having Trouble Paying Your Mortgage? (PDF) - A guide for struggling homeowners. Includes tips on what to do if you are having trouble paying your mortgage, what to expect during foreclosure and a rundown of common scams.

• Federal Housing Administration - US Department of Housing and Urban Development site with links on buying a home, owning a home, avoiding foreclosure and more.

• Federal Resources - Educational materials on mortgages and foreclosure from various federal agencies.

• Frequently Asked Questions for Consumers Facing Foreclosure (PDF) - These FAQs address common issues involving South Carolina residential mortgage foreclosures actions filed after May 9, 2011.

• Making Home Affordable Program - Tips and contact information for those who are in need of mortgage relief and those trying to avoid foreclosure.

• Understanding Mortgage Loans (PDF) -This brochure can help you determine what is best for your situation, become familiar with mortgage loan terms, and learn what is involved in the application process.

• Veterans in Financial Distress - The U.S. Department of Veteran Affairs Home Loan website gives information about mortgage assistance and contact information for questions.

• Roadmap out of Foreclosure (SC Legal Services YouTube Video) - This video provides tips and information that will help you avoid foreclosure so you can stay in your home.