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Homeowners/Simpsonville, SC/Job Loss

Job Loss & Income Reduction in Simpsonville, SC

Homeowners in Simpsonville, SC who have lost their job need to act fast. Find unemployment offices, mortgage forbearance options, and workforce retraining programs.

✓Local Simpsonville resources✓Verified contacts✓Updated regularly

Situation overview

Job loss in Simpsonville, SC triggers a critical timeline. File for unemployment at dew.sc.gov (up to $350/week for up to 20 weeks), contact your mortgage servicer immediately for forbearance, and register with your nearest SC Works center for job search assistance and retraining.

What to do first

Job loss creates a race between depleting savings and finding new income. In Simpsonville, filing for unemployment immediately, requesting mortgage forbearance, and connecting with workforce programs buys time to make clear-headed decisions about your home.

Start with

  1. File for unemployment and contact your mortgage servicer within the first week of job loss.
  2. Request forbearance in writing and keep copies — verbal promises are not enforceable.
  3. Register with SC Works for job search assistance and potential retraining programs.

Avoid

  1. Wait until you miss mortgage payments to contact your servicer — early contact opens more options.
  2. Use retirement savings or credit cards to make mortgage payments without first exploring forbearance.
  3. Ignore the timeline — forbearance is temporary, and you need a plan before it expires.

SC law reference

Key legal facts for job loss situations in South Carolina.

Homestead exemption
South Carolina homestead exemption is adjusted periodically (about $63,250; verify current statutory amount).

Step-by-step action plan

A starting path you can follow before committing to any contract or agreement.

  1. File for unemployment benefits immediately — SC online at dew.sc.gov or call 1-866-831-1724.
  2. Contact your mortgage servicer within 30 days of income loss to request forbearance or hardship options.
  3. Register with your local SC Works Career Center for job search assistance and retraining programs.

Who to contact in Simpsonville

Job-Loss Debt Attorneys

Mortgage Servicer and Bank Loss-Mitigation Contacts

Wells Fargo Mortgage Assistance

Wells Fargo loss-mitigation contact for repayment plans, forbearance, and modification review for qualifying borrowers.

Wells Fargo mortgage help

Bank of America Mortgage Assistance

Bank of America loss-mitigation contact for repayment plans, forbearance, and modification review for qualifying borrowers.

Bank of America mortgage help

Truist Mortgage Assistance

Truist loss-mitigation contact for repayment plans, forbearance, and modification review for qualifying borrowers.

Truist mortgage help

Chase Mortgage Assistance

Chase loss-mitigation contact for repayment plans, forbearance, and modification review for qualifying borrowers.

Chase mortgage help

First Horizon Mortgage Assistance

First Horizon loss-mitigation contact for repayment plans, forbearance, and modification review for qualifying borrowers.

First Horizon mortgage help

Housing Counseling and Foreclosure Prevention

HUD Counselor Search Portal (Alternate)

Alternate HUD portal for location-based counselor search if the primary locator is slow during peak traffic.

Open HUD counselor search portal

Greenville County Tax Collections

County tax office for payment posting, delinquency support, and collection options affecting Simpsonville property tax accounts.

(864) 467-7050

301 University Ridge, Suite 700, Greenville, SC 29601

Greenville County tax collections

Free and Low-Cost Legal Aid

South Carolina Legal Services (Greenville Office)

Greenville SCLS office accepts civil legal aid matters including housing stability, consumer debt, and family safety issues for income-eligible residents.

(864) 679-3232

701 S Main St, Greenville, SC 29601

SCLS Greenville office information

South Carolina Legal Services Intake Line

Statewide legal-aid intake line for screening and referral into local SCLS offices based on case type and eligibility criteria.

Start SCLS online intake

Job Loss Real Estate Agents in Simpsonville

Chamiese Evans — Licensed Realtor

Specializing in helping Simpsonville homeowners navigate job loss situations — whether that means selling, negotiating, or exploring every option before making a decision. NorthGroup Real Estate.

Visit listrobin.com

Common questions

Can I get mortgage forbearance if I lose my job in Simpsonville?

Yes. Job loss is a qualifying financial hardship for mortgage forbearance. Contact your servicer immediately — for federally-backed loans (FHA, VA, USDA, Fannie/Freddie), servicers must offer forbearance options. Do not wait until you miss a payment.

How do I file for unemployment in SC?

In North Carolina, file online at des.nc.gov or call 1-888-737-0259. The maximum weekly benefit is $450 for 12-20 weeks. In South Carolina, file at dew.sc.gov or call 1-866-831-1724. SC maximum is $350/week for up to 20 weeks.

Should I sell my home if I lose my job in Simpsonville?

Not necessarily. Explore forbearance, loan modification, and state assistance programs first. If your savings will run out before you find new income, a fast cash sale may prevent foreclosure and protect your credit. A HUD counselor can help you evaluate the timeline.

Related situations in Simpsonville

Homeowners dealing with job loss often face overlapping issues. These resources may also help.

Underwater MortgageForeclosureMedical Hardship

Job Loss in other cities

Researched by CC Evans, Marketing Analyst — RobinOffer

Licensed Real Estate Broker · NC License #332092

NorthGroup Real Estate · Charlotte, NC

Last reviewed: February 2026

This directory is for informational purposes only. It does not constitute legal, financial, or tax advice. Confirm all options with licensed counsel or a qualified financial professional before signing any agreement.

Sources: SC Code of Laws · HUD.gov · CFPB.gov

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