North Carolina Foreclosure Law Center
If you are struggling to pay your mortgage or already facing foreclosure in North Carolina, you should familiarize yourself with the foreclosure process in your state. In North Carolina, most foreclosures are nonjudicial, which means they don't go through the court system. The foreclosing mortgage lender must give you a number of notices along the way, and if you request some type of loss mitigation (a non-foreclosure alternative such as a loan modification or short sale) the lender must put the foreclosure on hold in most cases.
Below you can read about the steps in a North Carolina foreclosure, what happens if you still owe money to the lender after foreclosure, and more.
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Summary of North Carolina's Foreclosure Laws
Learn about the key features of North Carolina foreclosure law.
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North Carolina Foreclosure Laws and Procedures
Learn about North Carolina foreclosure procedures, including steps the foreclosing lender must take, notices you'll get, and more.
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Deficiency Judgments After Foreclosure in North Carolina
In most situations in North Carolina, your mortgage lender can seek a deficiency judgment after foreclosure if the sale price is less than your mortgage balance.
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North Carolina Timeshare Foreclosure and Right to Cancel Laws
Learn about the North Carolina Time Share Act, including contract disclosures, the right to cancel, and foreclosure procedures and protections.
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North Carolina HOA and COA Foreclosures
If you default on HOA or COA dues and assessments in North Carolina, the homeowners association can foreclosure on your condo, townhome, or house.
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Foreclosure Protections for Military Servicemembers Under North Carolina Law
Learn about foreclosure protections for military servicemembers under federal and North Carolina law.
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North Carolina Renters Caught in Foreclosure: What Are Your Rights?
North Carolina law, along with federal law, often allows a tenant whose landlord loses the rental house to foreclosure to stay in the home longer.
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Foreclosure Prevention Program in North Carolina for Military Veterans
If you’re transitioning from military to civilian life, and you’re a North Carolina homeowner struggling to make your mortgage payments, you might qualify for financial help from the state’s Hardest Hit Fund program.
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Foreclosure Prevention Program in North Carolina
If you want to save your home from foreclosure—and you live in North Carolina—check out the state’s Hardest Hit Fund program. You might qualify for financial assistance.
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