North Carolina foreclosure laws: how the process works and how long it takes

North Carolina usually uses power of sale, but a clerk of superior court has to authorize the auction. (N.C. Gen. Stat. § 45-21.16) Bidding normally stays open for 10 days after the sale report is filed; a new upset bid restarts the clock. (N.C. Gen. Stat. § 45-21.27) The deadline for paying the full debt follows that clock. (N.C. Gen. Stat. § 45-21.20)

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By Ross Kilburn
Law checked Mar 10, 2026. Deadlines rechecked Nov 4, 2026. HOA rules rechecked Oct 28, 2026. · See the 23 sources · How we check our guides
Data from

North Carolina at a glance

Does your North Carolina foreclosure involve a court?
Yes. The usual power-of-sale process requires authorization from a clerk of superior court before a trustee can sell the home. A separate foreclosure lawsuit is also possible.
How long does foreclosure take in North Carolina?
No law sets one length for the whole process. The hearing schedule, any postponement or appeal, and further bids after the auction affect it.
What notice comes before a North Carolina foreclosure starts?
For a covered home loan on the home you live in, the mortgage company generally mails a notice at least 45 days before filing the notice of hearing.
How much notice do you get before the clerk's hearing?
The usual service deadline is at least 10 days before the hearing. When the law permits service by posting on the property, the minimum is 20 days.
How much notice comes before the auction?
The sale notice is generally posted and mailed at least 20 days before the sale. Newspaper publication has separate requirements.
Can you catch up on missed payments to stop the sale?
That depends on your loan documents. State law separately allows payment of the full secured debt and sale expenses before the upset-bid period ends.
Is the auction the last chance to pay the full debt?
No. That right can continue through the upset-bid period, normally 10 days after the sale report or latest upset bid is filed. Each new upset bid starts another period; certain clerk-office closures extend the filing deadline.
Is there statewide foreclosure mediation?
No statewide program is identified in our law record. Free foreclosure prevention counseling is available, and the clerk can postpone a qualifying hearing under a separate state rule.
How many North Carolina homeowners are 90+ days behind?
The share of borrowers with a mortgage who were 90+ days behind was 1.1% in the first quarter of 2025, lower than the U.S. (1.2%). How North Carolina compares

How long does foreclosure take in North Carolina?

North Carolina law sets deadlines for individual steps, rather than one length for a foreclosure. Most mortgage foreclosures use a power of sale in the deed of trust, the document that gives a trustee authority to sell after a default. The clerk still has to authorize the sale.

The 9 steps of a foreclosure in North Carolina, and the time the law gives each

Each step in order, with the time the law gives it. 8 of the 9 have a time set in law; "No set time" means the lender sets the pace.

  1. 120+ days behind Pre-foreclosure default and 45-day notice
  2. No set time The lender files the case in court
  3. At least 10 days You get notice of the hearing
  4. At least 10 days The judge decides the case
  5. At least 20 days before the sale The sale is advertised
  6. At least 20 days The home is sold at auction
  7. 10 days 10-day upset bid period
  8. Within 30 days The home is sold at auction
  9. After the sale You may be asked to leave
Source: North Carolina law and federal rules, as cited at each step; American Default Research state law file, checked Mar 10, 2026 American Default Research · americandefault.org/help/laws/north-carolina/
Each step in detail, with the law behind it
  1. A notice explains the missed payments. For a covered home loan on your primary residence, the mortgage company generally mails it at least 45 days before filing the notice of hearing. It lists the amounts needed to bring the loan current and gives contacts for free housing counseling. The federal filing restriction described below also applies to most mortgages on the home you live in. (N.C. Gen. Stat. § 45-102)
  2. The trustee files a notice of hearing. This opens a special proceeding with the clerk of superior court in the county where the property is located. The notice names the hearing date, time and place. (N.C. Gen. Stat. § 45-21.16)
  3. The hearing notice is served. The usual minimum is 10 days before the hearing. When posting on the property is permitted after unsuccessful service efforts or in other circumstances the statute allows, the sheriff posts it at least 20 days ahead. (N.C. Gen. Stat. § 45-21.16)
  4. The clerk decides whether the sale can proceed. The clerk considers the debt, default, the right to foreclose, notice, applicable home-loan waiting periods and military protections. A hearing postponement or appeal can change the schedule. (N.C. Gen. Stat. § 45-21.16(d))
  5. The sale is advertised. The notice is generally posted and mailed at least 20 days before the sale. It is published once a week for at least two successive weeks, with the last publication no more than 10 days before the sale. (N.C. Gen. Stat. § 45-21.17)
  6. The trustee holds the auction. The sale takes place at the advertised time and place unless it is postponed. The auction does not itself end the right to pay the full debt. (N.C. Gen. Stat. § 45-21.20)
  7. Further bids can keep the sale open. The trustee files the sale report within five days. (N.C. Gen. Stat. § 45-21.26) An upset bid, a qualifying higher bid filed with the clerk, can be made during the following 10-day period. Each new upset bid restarts that period. (N.C. Gen. Stat. § 45-21.27)
  8. The sale becomes final. When the period ends without another upset bid, the parties' rights become fixed. No separate confirmation order is required. The right to stop the foreclosure by paying the secured debt and sale expenses has ended. (N.C. Gen. Stat. § 45-21.29A)
  9. Possession follows a separate process. Once the sale is completed, the price paid and title acquired, the buyer can seek the clerk's order for possession. The ordinary notice to remaining occupants is 10 days; larger rental properties and qualifying tenants have different protections. The sheriff carries out the order. (N.C. Gen. Stat. § 45-21.29(k))

The hearing notice, sale notice and end of bidding name different deadlines. Free help in North Carolina includes housing counseling and legal aid for people who qualify.

How far behind can you get before a North Carolina foreclosure starts?

For most mortgages on the home you live in, your mortgage company usually cannot make the first foreclosure notice or filing until you are more than 120 days behind. Exceptions include certain due-on-sale violations and joining another lienholder's foreclosure. (12 CFR 1024.41(f))

A North Carolina foreclosure usually can't start until you're more than 120 days behind

Days behind on your mortgage, against the federal waiting period before filing a foreclosure case or starting a nonjudicial foreclosure

Source: N.C. Gen. Stat. § 45-102; 12 CFR 1024.41 American Default Research · americandefault.org/help/laws/north-carolina/

The mailed state notice and federal filing wait can overlap; adding them together doesn't give the length of a foreclosure. Your mortgage company, called the servicer on your statement, generally has to try to reach you by your 36th day behind and send written information about help options by your 45th day. Exceptions apply to those contact rules. (12 CFR 1024.39)

Can you stop a foreclosure in North Carolina?

Sometimes. The route and deadline depend on whether you are catching up under your loan documents, paying the full debt, applying for mortgage help or seeking a court order. A conversation with the mortgage company doesn't automatically postpone the hearing or sale.

Catching up under the deed of trust. North Carolina law gives no general right to stop a foreclosure by paying only the missed installments. Any such right, called reinstatement, depends on your loan documents. The hearing notice describes any right to cure the default. (N.C. Gen. Stat. § 45-21.16(c)(5))

Paying the full secured debt. State law allows the foreclosure to end when the secured debt and sale expenses, including the trustee's compensation, are paid or tendered before the sale or before the upset-bid period ends. This is a different amount from catching up on missed payments. (N.C. Gen. Stat. § 45-21.20)

A complete application for mortgage help. When the federal rule applies, a complete application received more than 37 days before a scheduled sale generally restricts moving for foreclosure judgment or an order of sale, or conducting the sale, until the rule's conditions are met. A loan modification permanently changes a loan's terms; forbearance pauses or reduces payments for a time. The rule doesn't require the mortgage company to offer a particular option. (12 CFR 1024.41(g))

A postponement at the hearing. For the home you occupy as your primary residence, the clerk considers efforts to resolve the default. If the clerk finds good cause to believe more time or other measures are reasonably likely to resolve it without foreclosure, the hearing is continued to a date no more than 60 days after the original hearing date. This is a decision by the clerk, not an automatic extension whenever an application is pending. (N.C. Gen. Stat. § 45-21.16C)

A court order or bankruptcy. A superior court judge can consider a request to stop a sale on legal or equitable grounds before the sale rights become fixed; that process requires a bond or deposit. (N.C. Gen. Stat. § 45-21.34) Bankruptcy usually pauses foreclosure while the automatic stay lasts, but exceptions apply and the stay may be short or absent after recent dismissed cases. (11 U.S.C. § 362) Neither process promises that the homeowner will keep the home.

When is a North Carolina foreclosure sale final?

The sale normally becomes final when the upset-bid period ends without another qualifying bid. The ordinary period is 10 days after the sale report or latest notice of upset bid is filed, rather than necessarily 10 days after the auction. (N.C. Gen. Stat. § 45-21.27)

An upset bid has to exceed the reported sale price or previous upset bid by at least 5%, with a minimum increase of $750. The bidder also files a deposit. Each qualifying upset bid starts a new period; if the filing deadline falls on a Sunday, a legal holiday when the courthouse is closed, or another day the clerk's office is closed for regular business, it extends to the next open day. (N.C. Gen. Stat. § 45-21.27)

Until that period expires, state law still allows payment or tender of the full secured debt and sale expenses to end the foreclosure. Once the upset-bid period ends, you can no longer pay off the debt to stop it, and there's no right to buy the home back. (N.C. Gen. Stat. § 45-21.20; § 45-21.29A)

Deadlines for stopping a foreclosure in North Carolina

North Carolina law gives no right to catch up. Your mortgage decides whether you can, and what it costs.

Deadlines for catching up, after the sale and other steps in North Carolina
Kind of foreclosureDeadlineWhat starts the clock
Without a court Your loan papers decide We found no catch-up deadline in the law for this kind of foreclosure, so your loan papers decide. Paying the full debt before the upset-bid period ends is a separate right. Source North Carolina law
Through a court Your loan papers decide We found no catch-up deadline in the law for a court foreclosure, so your loan papers decide. Source Mortgage terms
After the sale
Without a court By the 10th day after the sale report or latest higher bid is filed Pay the full debt and costs to stop it, by the close of business that day. This isn't buying the home back: someone can still bid more during those 10 days, each higher bid restarts them, and once they run out the sale is final. The sale report is due within 5 days after the sale. A closed clerk's office moves the last day to the next open day. Source North Carolina law
Other deadlines and rules
Without a courtIf you live in the home Up to 60 more days before the hearing If more time is likely to fix the default without foreclosure, the clerk has to push the hearing back, to a date no more than 60 days after the original one. Source N.C. Gen. Stat. § 45-21.16C
Without a courtAny home By the 10th day after the clerk's order You can appeal the clerk's order to a judge. The sale pauses only after you post the bond the clerk sets, usually 1% of the loan balance if you live in the home. Source N.C. Gen. Stat. § 45-21.16(d1)
Without a courtHome loans on your main home At least 45 days after the servicer mails its pre-foreclosure notice The servicer has to wait that long before it files the notice of hearing. Source G.S. 45-102
Any foreclosureAny home At least 45 days after the lender or servicer mails its required notice A covered mortgage lender or servicer has to mail this notice at least 45 days before it starts foreclosure. Foreclosure can't start sooner. Source G.S. 53-244.111(22)
Without a courtAny home At least 10 days after you are served the notice of hearing The foreclosure hearing can't happen sooner than that. If the notice is served by posting on the property, the wait is at least 20 days instead. Source G.S. 45-21.16(a)
Without a courtIf the notice is posted on the property At least 20 days after the notice of hearing is posted When the notice of hearing is served by permitted posting on the property, the hearing can't happen until at least 20 days after posting. Source G.S. 45-21.16(a)
Without a courtAny home At least 20 days before the sale The trustee has to mail the notice of sale and post it by then. This is a notice lead time, not your final cure date. Source G.S. 45-21.17(1),(4)
Without a courtAfter the sale At least 10 days after the people in the home are given notice The purchaser can't get a possession order until the people still in the home have had 10 days' notice. The period is 30 days if the property has at least 15 rental units. Source G.S. 45-21.29(k)(5)
Through a courtAny home Within 30 days after you are served Serve your written answer to the summons and complaint by then. Source Rule 12(a)(1)
Through a courtAny home At least 20 days before the court sale The notice of the court sale has to be posted for at least 20 days right before the sale. Source G.S. 1-339.17(a)(1)
Through a courtAny home At least 10 days before the execution sale The sheriff has to serve or send you the sale notice by then. Posting the notice has a separate 20 day lead time. Source G.S. 1-339.54
Through a courtAny home Within 10 days after the upset bid notice is filed Further upset bids can be filed during that time. Each upset bid is followed by another 10 days for a further bid. Source G.S. 1-339.25(a)
Through a courtAfter a court sale At least 10 days after the people in the home are given notice The clerk can't issue the purchaser a possession order until the people still in the home have had 10 days' notice. Source G.S. 1-339.68(c)(4)

Can your HOA or condo association foreclose in North Carolina?

If you fall behind on association dues, the association can put a lien on your home. If it forecloses for unpaid dues, these rules apply, not the mortgage deadlines.

Can it foreclose, and how?

Yes. For an unpaid assessment, a condo or planned-community association may use a power-of-sale process with a clerk hearing, or it may sue in court. If the lien is only fines or related fees, the association needs a court case.

Read the law's words
“…may foreclose a claim of lien in like manner as a mortgage or deed of trust on real estate under power of sale…” ncleg.gov

Is there a minimum debt or a waiting period?

An assessment has to be unpaid for 30 days before the association files a lien. A power-of-sale foreclosure requires at least 90 days unpaid. The acts set no dollar minimum.

Read the law's words
“…remains unpaid for a period of 30 days or longer shall constitute a lien…” ncleg.gov

What notices come first?

The association has to mail you the amount due at least 15 days before it files the lien. Then it has to formally deliver the lien to you. Before a power-of-sale case, it has to send you a separate notice of intent to foreclose. It also has to give you notice of the hearing.

Read the law's words
“No fewer than 15 days prior to filing the lien, the association shall mail a statement of the assessment amount due…” ncleg.gov

Do you have a right to a payment plan?

You can ask about installments, but the board may say no. Neither side has to accept a plan.

Read the law's words
“Neither the association nor the lot owner is obligated to offer or accept any proposed installment schedule…” ncleg.gov

Can the HOA's claim go ahead of the mortgage?

The association's lien doesn't outrank a mortgage or deed of trust recorded before the lien, or real estate taxes.

Read the law's words
“…a mortgage or deed of trust on the lot, recorded before the filing of the claim of lien…” ncleg.gov

What protects you?

The board has to vote to foreclose on your specific home. If you don't contest the debt, attorney and trustee fees together are capped at $1,200, apart from costs and expenses.

Read the law's words
“…unless the executive board votes to commence the proceeding against the specific lot…” ncleg.gov

Can you buy the home back after the sale?

No. You can stop the foreclosure by paying the debt and costs before the upset-bid period (the window when others can still bid higher) ends; the trustee then dismisses the case.

Read the law's words
“…prior to the expiration of the upset bid period…” ncleg.gov

Source North Carolina law

Who these rules cover: Planned communities under the Planned Community Act and condos under the Condominium Act.

How North Carolina compares

no statewide program is identified in our records for Georgia, South Carolina, Tennessee and Virginia.

North Carolina's share of borrowers with a mortgage who are 90+ days behind is under half its 2010 peak

Share of North Carolina borrowers with a mortgage who have one 90+ days past due, quarterly, Q1 2005 to Q1 2025

0% 1% 2% 3% 4% 5% U.S. 1.2% Q1 2005Q3 2007Q1 2010Q3 2012Q1 2015Q3 2017Q1 2020Q3 2022Q1 2025 Q1 2025 1.1% 0% 1% 2% 3% 4% 5% U.S. 1.2% Q1 2005Q1 2010Q1 2015Q1 2020Q1 2025 Q1 2025 1.1%
Source: Federal Reserve Bank of Philadelphia, Consumer Credit Explorer; data sourced from Federal Reserve Bank of New York Consumer Credit Panel / Equifax. Q1 2025 American Default Research · americandefault.org/help/laws/north-carolina/

North Carolina is tied for 23rd place for the share of mortgages 90+ days behind, of the 50 states and D.C.

Share of borrowers with a mortgage who have one 90+ days past due, by state, Q1 2025. Dashed line: the U.S.

Louisiana: 2.5%Mississippi: 2.1%Nevada: 1.6%Texas: 1.6%West Virginia: 1.6%Alabama: 1.5%Florida: 1.5%Georgia: 1.5%New York: 1.5%Oklahoma: 1.5%South Carolina: 1.5%D.C.: 1.4%New Mexico: 1.4%Arkansas: 1.3%Connecticut: 1.3%Delaware: 1.3%Kentucky: 1.3%Maryland: 1.3%Pennsylvania: 1.3%Illinois: 1.2%Indiana: 1.2%New Jersey: 1.2%Arizona: 1.1%Missouri: 1.1%North Carolina: 1.1%Ohio: 1.1%Rhode Island: 1.1%Kansas: 1.0%Michigan: 1.0%Tennessee: 1.0%California: 0.9%Hawaii: 0.9%Iowa: 0.9%Maine: 0.9%South Dakota: 0.9%Virginia: 0.9%Vermont: 0.9%Alaska: 0.8%Colorado: 0.8%Massachusetts: 0.8%Minnesota: 0.8%Montana: 0.8%North Dakota: 0.8%Nebraska: 0.8%Oregon: 0.8%Idaho: 0.7%New Hampshire: 0.7%Washington: 0.7%Wyoming: 0.7%Utah: 0.6%Wisconsin: 0.6% U.S. 1.2% North Carolina 1.1% Highest Lowest Louisiana: 2.5%Mississippi: 2.1%Nevada: 1.6%Texas: 1.6%West Virginia: 1.6%Alabama: 1.5%Florida: 1.5%Georgia: 1.5%New York: 1.5%Oklahoma: 1.5%South Carolina: 1.5%D.C.: 1.4%New Mexico: 1.4%Arkansas: 1.3%Connecticut: 1.3%Delaware: 1.3%Kentucky: 1.3%Maryland: 1.3%Pennsylvania: 1.3%Illinois: 1.2%Indiana: 1.2%New Jersey: 1.2%Arizona: 1.1%Missouri: 1.1%North Carolina: 1.1%Ohio: 1.1%Rhode Island: 1.1%Kansas: 1.0%Michigan: 1.0%Tennessee: 1.0%California: 0.9%Hawaii: 0.9%Iowa: 0.9%Maine: 0.9%South Dakota: 0.9%Virginia: 0.9%Vermont: 0.9%Alaska: 0.8%Colorado: 0.8%Massachusetts: 0.8%Minnesota: 0.8%Montana: 0.8%North Dakota: 0.8%Nebraska: 0.8%Oregon: 0.8%Idaho: 0.7%New Hampshire: 0.7%Washington: 0.7%Wyoming: 0.7%Utah: 0.6%Wisconsin: 0.6% U.S. 1.2% North Carolina 1.1% Highest Lowest
Source: Federal Reserve Bank of Philadelphia, Consumer Credit Explorer; data sourced from NY Fed Consumer Credit Panel / Equifax. Q1 2025 American Default Research · americandefault.org/help/laws/north-carolina/
North Carolina and its neighbors: mortgages 90+ days behind and State Distress Index rank
State90+ days behind, Q1 2025Distress rank (score)
Georgia 1.5% 7th (88)
South Carolina 1.5% 8th (86)
North Carolina 1.1% 28th (46)
Tennessee 1.0% 26th (50)
Virginia 0.9% 31st (40)

The share counts people with a mortgage on their credit report, not loans or dollars. Ranks are of 51 (the 50 states and D.C.); 1st is the most distressed. North Carolina's full distress profile and county scores.

Other North Carolina laws that can affect homeowners

State laws can change. Each entry links to the cited source and shows when that source was fetched.

State foreclosure-rescue and mortgage-help laws

North Carolina's rescue statute is transaction-specific, covering a distressed-home title transfer represented to prevent, postpone, or reverse foreclosure when the owner retains tenancy, lease-option, or reacquisition rights. If undertaken for financial gain or expected gain, it imposes appraisal/fair-value and written-contract requirements.

“The transferor retains a tenancy interest, an interest under a lease with option to purchase agreement, or an option to reacquire the property.”
Source N.C. Gen. Stat. §§ 75-120–75-122Fetched October 7, 2026

Foreclosure laws in another state

The process and the deadlines change at every state line.

Free help in North Carolina

North Carolina has 44 HUD-approved housing counseling agencies

The 44 whose HUD listing includes foreclosure or mortgage delinquency counseling, one dot per office, as of Nov 4, 2026. The listing below names them all.

Source: U.S. Department of Housing and Urban Development, Housing Counselor list American Default Research · americandefault.org/help/laws/north-carolina/

A HUD-approved housing counselor works for an agency approved by the U.S. Department of Housing and Urban Development and can help explain mortgage options and communicate with your mortgage company. Foreclosure counseling is free. The map shows North Carolina offices in our stored HUD directory.

The North Carolina Housing Finance Agency's State Home Foreclosure Prevention Project offers free counseling at any stage, including before a foreclosure begins. Participating agencies can also refer homeowners with low incomes to free legal services. Counseling is different from court mediation or a clerk's order postponing the hearing.

Legal Aid of North Carolina and the providers listed below offer civil legal help to people who qualify. A housing counselor helps with mortgage options; a lawyer can assess the hearing, possible defenses and court deadlines.

North Carolina regulates foreclosure rescue transactions that involve transferring a home while the homeowner keeps a right to possess it. The law requires a written contract and restricts transactions made for financial gain. A violation can be an unfair trade practice, with a right to seek damages or void the transaction. Free counseling doesn't require signing the home over to a rescue company. (N.C. Gen. Stat. § 75-120; § 75-121; § 75-122)

HUD-approved housing counselors in North Carolina, by city (44)

  • White Oak Foundation, Inc., Apex · 919-362-6799 · Website HUD-approved housing counselor
  • Consumer Credit Counseling Service of Wnc, Inc. - Dba - Ontrack Financial Education & Counseling, Asheville · 828-255-5166 · Website HUD-approved housing counselor · Languages: English, Spanish
  • Cccs of Greater Greensboro, Burlington · 336-373-8882 · Website HUD-approved housing counselor
All 44 agencies
  • Empowerment Incorporated, Chapel Hill · 919-967-8779 HUD-approved housing counselor
  • DreamKey Partners, Charlotte · 704-342-0933 · Website HUD-approved housing counselor
  • Nsc (Naca Counseling Subsidiary) - Charlotte, Nc, Charlotte · 704-536-7676 · Website HUD-approved housing counselor · Languages: English, Spanish
  • Nsc (Naca Counseling Subsidiary) - National Counseling Center, Charlotte · 606-230-6222 · Website HUD-approved housing counselor · Languages: English, Spanish
  • Ada Jenkins Families and Careers Development Center, Inc., Davidson · 704-896-0471 · Website HUD-approved housing counselor · Languages: English, Spanish
  • North Carolina Community Housing and Consulting, Inc, Fayetteville · 910-920-3710 · Website HUD-approved housing counselor
  • Cccs of Greater Greensboro, Greensboro · 336-373-8882 · Website HUD-approved housing counselor
  • Housing Consultants Group, Greensboro · 336-553-0946 · Website HUD-approved housing counselor · Languages: English, Spanish
  • Western Piedmont Council of Governments, Hickory · 828-322-9191 · Website HUD-approved housing counselor · Languages: English, Spanish
  • Housing Authority of the City of High Point, High Point · 336-887-2661 · Website HUD-approved housing counselor
  • Cccs of Greater Greensboro, High Point · 336-889-6108 · Website HUD-approved housing counselor
  • Centre For Home Ownership & Economic Development Corporation, Hillsborough · 919-322-8118 HUD-approved housing counselor
  • Prosperity Unlimited, Inc, Kannapolis · 704-933-7405 · Website HUD-approved housing counselor
  • Home Solutions, Lexington · 336-236-1675 HUD-approved housing counselor
  • Cccs of Greater Greensboro, Lexington · 336-373-8882 · Website HUD-approved housing counselor
  • Monroe-Union County Community Development Corporation, Monroe · 704-283-8804 · Website HUD-approved housing counselor · Languages: English, Spanish
  • Community Foundations, Mooresville · 704-799-7641 · Website HUD-approved housing counselor
  • The Safeguard Group - Housing & Debt Advisors, Mooresville · 800-673-6993, ext. 146 · Website HUD-approved housing counselor · Languages: English, Spanish
  • Carolina Community Impact Inc., Raleigh · 866-635-6414 HUD-approved housing counselor · Languages: English, Spanish
  • Cccs, A Division of Triangle Family Services, Inc., Raleigh · 919-821-0790 · Website HUD-approved housing counselor · Languages: Arabic, ASL, Cambodian, Cantonese, CHI, CRE, CZE, English, Farsi, French, Hindi, Hmong, Indonesian, Korean, Other, Polish, Portuguese, Russian, Spanish, Swahili, Turkish, Ukrainian, Vietnamese
  • Consumer Education Services, Inc, Raleigh · 877-322-8824 · Website HUD-approved housing counselor · Languages: English, Spanish
  • Dhic, Inc., Raleigh · 919-832-4345 · Website HUD-approved housing counselor · Languages: English, Spanish
  • Navicore Solutions- Raleigh, Nc, Raleigh · 866-472-4557 · Website HUD-approved housing counselor · Languages: English, Spanish
  • Telamon Corporation - Raleigh Branch, Raleigh · 919-899-9911 · Website HUD-approved housing counselor
  • Nsc (Naca Counseling Subsidiary) - Raleigh, Nc, Raleigh · 919-855-8484 · Website HUD-approved housing counselor · Languages: English, Spanish
  • Telamon Corporation, Inc, Raleigh · 919-899-9911 · Website HUD-approved housing counselor · Languages: English, Spanish
  • Choanoke Area Development Association of Nc, Inc., Rich Square · 252-539-4155 · Website HUD-approved housing counselor · Languages: English, Spanish
  • Sandhills Community Action Program, Inc., Rockingham · 910-410-0207 · Website HUD-approved housing counselor
  • Housing Authority of the City of Rocky Mount, Nc, Rocky Mount · 252-977-3141 · Website HUD-approved housing counselor
  • Brick Capital Community Development Corporation, Sanford · 919-775-2300, ext. 3 · Website HUD-approved housing counselor · Languages: English, Spanish
  • Cleveland County Community Development Corporation, Shelby · 704-480-7701 HUD-approved housing counselor
  • Kingdom Community Development Corporation, Spring Lake · 910-484-2722 · Website HUD-approved housing counselor · Languages: English, Spanish
  • Sandhills Community Action Program, Inc., Troy · 910-606-4044, ext. 209 · Website HUD-approved housing counselor
  • Sandhills Community Action Program, Inc., Wadesboro · 704-994-2306, ext. 210 · Website HUD-approved housing counselor
  • Mountain Projects, Inc., Waynesville · 828-452-1447 · Website HUD-approved housing counselor
  • Cape Fear Regional Cdc, Wilmington · 910-762-7555 · Website HUD-approved housing counselor · Languages: English, Spanish
  • City of Wilmington, Wilmington · 910-341-7836 · Website HUD-approved housing counselor · Languages: English, Spanish
  • Wilson Community Improvement Association, Inc., Wilson · 252-243-4855, ext. 214 · Website HUD-approved housing counselor
  • Credit.Org - North Carolina Branch, Winston Salem · 800-431-8157 · Website HUD-approved housing counselor · Languages: English, Spanish
  • Financial Pathways of the Piedmont, Winston Salem · 336-896-1191, ext. 1102 · Website HUD-approved housing counselor · Languages: English, Spanish
  • Financial Pathways of the Piedmont - Winston-Salem Office, Winston Salem · 336-773-0286, ext. 104 · Website HUD-approved housing counselor · Languages: English, Spanish

Listings come from the HUD Housing Counselor API and the Legal Services Corporation grantee list, as of Nov 4, 2026. American Default Research does not endorse or rank any provider. Credit counselors and other kinds of free help are in our help directory.

Sources and method

A summary of foreclosure law and practice in North Carolina, read from its laws and the federal servicing rules and checked Mar 10, 2026. It isn't legal advice: your mortgage sets specific terms, and courts and counties vary. For your situation, talk to a HUD-approved counselor, legal aid or a lawyer.

What this page relies on (23 sources)

We write with assistance from AI tools. Figures come from the data and sources named on this page.