Foreclosure help in Gaston County, NC
For homeowners in Gastonia, Belmont, Mount Holly, Cramerton, Dallas, Bessemer City, Cherryville and Stanley. Where your case is handled and what you can still do.
Where your case is handled
The courthouse
Gaston County Courthouse, 325 Dr. Martin Luther King Jr. Way, Gastonia. Foreclosures go before the Clerk of Superior Court: (704) 852-3100.
Kings Mountain
Most of Kings Mountain is in Cleveland County, handled in Shelby. Check the county on your notice.
Across the state line
Clover and Lake Wylie addresses are in South Carolina, where foreclosure is a court lawsuit with different rules. South Carolina foreclosure help.
How the process runs
The timeline
The same North Carolina process applies everywhere in the state: the 45-day letter, a notice of hearing, the hearing before the Clerk, a notice of sale, the auction, then a ten-day upset bid period. The full NC timeline.
The hearing
The Clerk decides whether six findings are met. It is not the auction. What the notice of hearing means.
The auction
At the courthouse on a weekday between 10 a.m. and 4 p.m., after at least two weeks of notice. Then ten days for upset bids. How that works.
Your options in Gaston County
Which of these still fit depends on your equity, your income and how close the sale date is.
Catch up or modify
Get a written reinstatement figure, or send a complete loss mitigation application. A complete application received more than 37 days before a sale generally pauses it while it is reviewed.
Sell before the sale
If you have equity, a closed sale pays off the loan and the difference is yours. How selling before foreclosure works.
Short sale
If you owe more than the house is worth, the lender can agree to take less. How a short sale works.
Deed in lieu
Handing the house back to the lender. Get the deficiency waiver in writing first. What a deed in lieu does.
Bankruptcy
Filing stops the sale while the case is open. A conversation for a bankruptcy attorney.
Frequently asked questions
Where are Gaston County foreclosure hearings held?
At the Gaston County Courthouse, 325 Dr. Martin Luther King Jr. Way in Gastonia.
Is foreclosure in Gastonia the same as in Charlotte?
The process and deadlines are the same statewide. Only the courthouse and the Clerk are different.
Can I sell my Gastonia house before the auction?
Yes, until the upset bid period ends. Selling during foreclosure.
General information for North Carolina homeowners. It is not legal, tax or financial advice. Terri Lombardo is a licensed real estate broker, not an attorney or tax adviser.
Free HUD-approved housing counseling is available to North Carolina homeowners through the NC Housing Finance Agency on 1-888-442-8188.
Facing foreclosure in Gaston County?
Tell us where you are in the process and what the house is worth. We will tell you what is still open to you.
Serving Gastonia, Belmont, Mount Holly and all of Gaston County.