Foreclosure help in Mint Hill, NC
Mint Hill homeowners facing foreclosure usually have more time and more options than they think. Here is where your case is handled and what you can still do.
Where your case is handled
Most of Mint Hill, 28227
Mint Hill is in southeastern Mecklenburg County, so most cases are heard in Charlotte.
Mecklenburg County Courthouse, 832 East 4th Street, Charlotte. Foreclosures are special proceedings before the Clerk of Superior Court: (704) 686-0400.
The Union County side
A small part of the town extends into Union County. Homes there are handled at the Union County Judicial Center in Monroe. Foreclosure help in Union County.
How to check
Your tax bill and the notice of hearing both name the county.
How much time you have
Behind, nothing filed
The most time and every option. Servicers generally cannot file until the loan is more than 120 days behind. Pre-foreclosure help.
Notice of hearing
At least ten days before the hearing. The hearing is not the sale. What the notice means.
Sale scheduled
It must be advertised for at least two weeks first. The options that need the least runway move to the front.
After the auction
Ten days before anything is final. How the upset bid period works.
Your options in Mint Hill
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
Is Mint Hill in Mecklenburg or Union County?
Mostly Mecklenburg, with a small portion in Union County. The county decides which courthouse handles your foreclosure.
Can I stop a foreclosure in Mint Hill?
At almost every stage, by catching up, selling, a short sale, a complete loss mitigation application or bankruptcy. What actually stops a foreclosure.
Do I have to leave right after the auction?
No. Not until the upset bid period ends and the buyer has the deed, and then only after an order for possession. How long you can stay.
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 Mint Hill?
Tell us the last letter you received and any dates on it. We will tell you where you are and what still fits in the time left.
Serving Mint Hill and all of Mecklenburg County.