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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