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, the situations we see most often in town, 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, 400 North Main Street, Monroe: (704) 698-3100. 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. From there the steps are set by state law: the North Carolina timeline and what the hearing decides.
Two situations we see more often in Matthews
About one in five Matthews residents is 65 or older, and the median owner-occupied home is worth about $445,100 (U.S. Census Bureau, 2020–2024). Long-time owners with real equity change what a foreclosure here tends to look like.
A reverse mortgage in default
A reverse mortgage has no monthly payment, but it can still be foreclosed. The loan requires you to keep paying property taxes and homeowners insurance and to keep the house in repair. Falling behind on taxes or insurance is one of the most common ways these loans go into default.
If that is what your letter is about, call a HUD-approved reverse mortgage counselor right away. Repayment plans exist, and local aging programs can sometimes help with the tax or insurance bill — the Eldercare Locator, 1-800-677-1116, will point you to them.
An inherited house with a loan on it
When a parent or spouse dies and the payments stop, the servicer can still foreclose. Federal law generally lets a family member who inherits the house keep the existing loan rather than refinance it, and once the servicer confirms you as a successor in interest it has to deal with you directly.
Ask for that confirmation in writing, early. If no one in the family wants to keep the house, a sale before the auction is usually what protects the equity for the estate.
A lot of equity at stake
Owners who have been in Matthews for years often owe far less than the house is worth. An auction is set up to cover the debt, not to get the best price, so that equity is what is really at risk. How selling before foreclosure works.
What usually fits in Matthews
You have equity
Sell on your terms before the sale date. The loan is paid off at closing and the difference is yours, not the auction buyer’s.
Your income is back
Ask for a written reinstatement figure, or send the servicer a complete loss mitigation application. One received more than 37 days before a scheduled sale generally has to be reviewed before the sale goes ahead.
You owe more than it is worth
A short sale or a deed in lieu. Get any deficiency waiver in writing before you sign.
See every option compared by how much time it needs, or what actually stops a foreclosure. Bankruptcy also stops a sale while the case is open; that is 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 a reverse mortgage be foreclosed in North Carolina?
Yes. There is no monthly payment, but you still have to pay property taxes and homeowners insurance and keep the house up. Falling behind on any of those can put the loan in default. The loan also comes due when the last borrower dies or permanently moves out.
My parent died and the mortgage is behind. Can the lender foreclose?
Yes, if the payments stay behind. Federal law generally lets a family member who inherits the house keep the existing loan, and once the servicer confirms you as a successor in interest it has to deal with you directly. Ask for that confirmation in writing early.
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. 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 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.