Foreclosure help in Union County, NC
For homeowners in Monroe, Indian Trail, Stallings, Waxhaw, Weddington, Wesley Chapel, Marvin and Wingate. Where your case is handled and what you can still do.
Where your case is handled
The courthouse
Union County Judicial Center, 400 North Main Street, Monroe. Foreclosures go before the Clerk of Superior Court: (704) 698-3100.
Matthews and Charlotte addresses
Many Union County homes have a Matthews 28104 mailing address, and some have a Charlotte one. The case is still filed in Monroe. Foreclosure help in Matthews.
Stallings and Mint Hill
Both towns straddle the Mecklenburg line. The county on your tax bill decides whether the case is in Monroe or Charlotte.
HOA foreclosure in Union County
A lot of foreclosures here start with the homeowners association, not the mortgage lender.
When an HOA can foreclose
Unpaid assessments become a lien after 30 days. Once assessments are 90 days or more past due, the association can foreclose the lien the same way a lender forecloses a deed of trust.
N.C.G.S. 47F-3-116 (planned communities), 47C-3-116 (condominiums)
What it cannot foreclose for
A lien made up only of fines, interest on fines or attorney fees tied to fines cannot go through the Clerk. The association would have to file a lawsuit instead.
Why it matters
An HOA sale can be for a few thousand dollars in dues on a house with far more equity than that. The upset bid period and the right to pay off before it ends still apply. Call early.
Your options in Union 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 Union County foreclosure hearings held?
At the Union County Judicial Center, 400 North Main Street in Monroe.
My address says Matthews. Why is my case in Monroe?
Because the 28104 ZIP code covers much of western Union County. The county, not the mailing address, decides where the case is filed.
Can my HOA foreclose in Waxhaw or Weddington?
Yes, once assessments are 90 days or more past due. HOA foreclosure in North Carolina.
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 Union County?
Lender or HOA, tell us what the letter says and roughly what the house is worth. We will tell you what is still open.
Serving Monroe, Indian Trail, Waxhaw and all of Union County.