Foreclosure help in Union County, NC
For homeowners in Monroe, Indian Trail, Stallings, Waxhaw, Weddington, Wesley Chapel, Marvin, Wingate and Marshville. Where your case is handled, and why the west and east of the county tend to need different plans.
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. Foreclosure help in Mint Hill.
Western Union County: big HOA communities
Union County has grown about 12% since 2020, more than eight in ten homes are owner-occupied, and the median value is about $417,300 (U.S. Census Bureau). Most of that growth is in Waxhaw, Weddington, Marvin, Indian Trail and Wesley Chapel — nearly all of it in planned communities with an association.
The association’s clock
Dues unpaid for 90 days or more can be foreclosed through the Clerk once the board votes to proceed, just like a deed of trust. Fines on their own cannot; those need a lawsuit.
N.C.G.S. 47F-3-116
Why it is worse than it sounds
The association’s lien ranks behind a mortgage recorded before it. A buyer at an HOA sale takes the house subject to your loan, so you can lose the house over a few thousand dollars and still owe the full mortgage.
Plenty of equity, if you act
Values in the western half of the county are high enough that most owners can pay off both the lender and the association through a sale — if it closes before the auction. Selling during foreclosure.
Eastern Union County: land, older homes, fewer HOAs
Selling part of the land
Around Monroe, Wingate and Marshville, a house often sits on acreage. If the deed of trust covers the whole tract, you may be able to sell off a parcel and use the money to catch up, but the lender has to agree to release that part. It takes a survey, a buyer and lender approval, so start early.
Long-held family property
Homes that have passed down through a family may be owned by several heirs at once. Everyone with a share generally has to sign to sell, which can slow down an otherwise simple sale.
Taxes on a paid-off home
No mortgage means no escrow. North Carolina counties can foreclose for unpaid property taxes, so a paid-off home is not automatically safe.
Anywhere in the county, the other options are the same: reinstating, a modification, a short sale or a deed in lieu. See every option compared by how much time it needs, the North Carolina timeline, or what actually stops a foreclosure.
Frequently asked questions
Where are Union County foreclosure hearings held?
At the Union County Judicial Center, 400 North Main Street in Monroe, before the Clerk of Superior Court.
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 and the board votes to proceed. Its lien ranks behind an earlier-recorded mortgage, so you could lose the house and still owe the lender. HOA foreclosure in North Carolina.
We own land around the house in eastern Union County. Can we sell just part of it?
Sometimes. If the deed of trust covers the whole tract, the lender has to agree to release the part you sell. It can raise money without losing the home, but it needs time, a survey and lender approval.
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 and land are worth. We will tell you what is still open.
Serving Monroe, Indian Trail, Waxhaw and all of Union County.