Foreclosure help in Matthews, NC
Behind on the mortgage in Matthews, or already holding a notice of hearing? Here is where your case is handled, what is still open to you, and what to do first.
Which courthouse handles your case
In Matthews this is not always obvious, because the mailing address does not tell you the county.
Town of Matthews, 28105
Homes inside the town are in Mecklenburg County. Your case is heard in Charlotte.
Mecklenburg County Courthouse, 832 East 4th Street, Charlotte. Foreclosures are special proceedings before the Clerk of Superior Court: (704) 686-0400.
Matthews 28104 addresses
Much of the 28104 ZIP code is in Union County — Stallings, Weddington, Wesley Chapel and nearby. If that is you, the foreclosure is filed at the Union County Judicial Center in Monroe. Foreclosure help in Union County.
How to check
Your property tax bill and the notice of hearing both name the county. The notice also names the Clerk and the hearing date.
How foreclosure works here
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 six specific things. It is not the auction. What happens at the hearing.
The auction
Held at the courthouse on a weekday between 10 a.m. and 4 p.m., after at least two weeks of notice. How Mecklenburg auctions work.
Your options in Matthews
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 is a Matthews foreclosure hearing held?
For homes inside the Town of Matthews, at the Mecklenburg County Courthouse in Charlotte. For Matthews 28104 addresses in Union County, at the Union County Judicial Center in Monroe.
Can I still sell my Matthews house if the foreclosure has been filed?
Yes. You can sell right up until the upset bid period after the auction ends, as long as the sale closes in time. The earlier you start, the more of your equity you keep.
How long does foreclosure take in Matthews?
The same as anywhere in North Carolina: usually several months from the first missed payment. The full timeline.
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 Matthews?
Tell us where you are in the process and what the house is worth. We will tell you what is still open — including when you need an attorney instead of us.
Serving Matthews, Stallings and all of Mecklenburg and Union counties.