Guides
If someone has offered to buy your home
Three comprehensive guides covering what we would want a member of our own family to know before signing anything.
Start here
Each guide stands on its own. Choose whichever matches where you are right now.
Cash offers on your home
Some cash buyers close. Some tie up your house and spend six weeks shopping the contract to someone else, which can cost a homeowner facing a sale date the house itself. How the pattern works, what to require, and what NC law actually says.
Read this →Already signed?If you are already under contract
The buyer has gone quiet and your court date is not moving. Which two dates decide your position, what to look for in the contract you signed, what leverage you actually have, and what to do if a memorandum was recorded against your title.
Read this →Staying in the homeSell-and-stay offers and NC law
If a buyer offers to purchase your home and let you keep living in it, North Carolina regulates that transaction specifically: a certified appraisal delivered seven days before you are obligated, and payment of at least half the appraised value.
Read this →Everything else
These guides focus on offers to buy your home, which is only one of the paths open to a homeowner in foreclosure.
All of your options covers the remaining paths: reinstating the loan, working with your lender, short sale, deed in lieu, bankruptcy, contesting the hearing, and free counseling, with clear guidance on who to contact for each.
This page explains what North Carolina law says. It is not legal advice, and no page can substitute for a lawyer who has read your contract and your court file. Free HUD-approved housing counseling is available to every North Carolina homeowner at no cost, and legal aid may be available depending on your income.