Foreclosure help in Cabarrus County, NC
For homeowners in Concord, Kannapolis, Harrisburg, Midland and Mount Pleasant. Where your case is handled, what is different about a newer home with a newer loan, and what you can still do.
Where your case is handled
The courthouse
Cabarrus County Courthouse, 61 Union Street South, Concord. Foreclosures go before the Clerk of Superior Court, usually without a trial. Main line: (704) 262-5500.
Kannapolis
Most of Kannapolis is in Cabarrus County, but part of the city crosses into Rowan County. Homes on the Rowan side are filed at the Rowan County Courthouse, 210 North Main Street, Salisbury: (704) 797-3001. Check the county on your notice.
Harrisburg and the Charlotte line
Homes with a Charlotte mailing address can still be in Cabarrus County, and the reverse. The county on your tax bill is what counts. The steps after that are set by state law: the North Carolina timeline.
Newer homes, newer loans
Cabarrus is one of the fastest-growing counties in the region: up about 10.6% since 2020, with nearly 2,000 new housing units permitted in 2025 alone. The median owner-occupied home is worth about $354,800 (U.S. Census Bureau). A lot of owners here bought in the last few years, and that shapes which options actually work.
Thin equity after a recent purchase
With a small down payment, the cost of selling — commission, closing costs, any repairs — can use up most of the equity you have. Before you list, get two numbers: a realistic value and a written payoff. If the gap is small or negative, a sale may not clear the loan.
When a short sale fits better
If you owe close to or more than the house is worth, the lender may agree to take less. Get any deficiency waiver in writing. How a short sale works.
FHA and VA loans
Many newer purchases here were made with FHA or VA financing, and both programs have their own loss mitigation options. Ask the servicer by name which ones you qualify for, and send a complete application more than 37 days before any scheduled sale.
New-construction HOAs
Most newer neighborhoods in Concord and Harrisburg come with an association. Once dues are 90 days behind, it can foreclose too, on its own timeline. HOA foreclosure in North Carolina.
If you do have equity
Owners who bought before prices rose usually do. Then the strongest move is a sale that closes before the auction: the loan is paid off and the rest is yours. Selling during foreclosure.
After the auction there are still ten days for upset bids, and you can pay off before they end. How the upset bid period works. See also every option compared by how much time it needs.
Frequently asked questions
Where are Cabarrus County foreclosure hearings held?
At the Cabarrus County Courthouse, 61 Union Street South in Concord, before the Clerk of Superior Court. What the notice of hearing means.
Is a Kannapolis foreclosure filed in Concord?
Only if the home is on the Cabarrus side. Homes in the Rowan County part of Kannapolis are filed at the Rowan County Courthouse in Salisbury.
I bought my Concord house recently. Do I have enough equity to sell?
Maybe not. With a small down payment, the cost of selling can use up what equity there is. Get a realistic value and a payoff figure first; if the numbers do not work, a short sale or a loss mitigation application may fit better.
Can my HOA in Concord or Harrisburg foreclose?
Yes, once assessments are 90 days or more past due and the board votes to proceed. Fines alone cannot be foreclosed through the Clerk.
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 Cabarrus County?
Tell us where you are in the process, when you bought, and roughly what the house is worth. We will tell you which options the numbers actually support.
Serving Concord, Kannapolis, Harrisburg and all of Cabarrus County.