How can I confirm if I’m a legal co-owner on the deed for the land and mobile home? – North Carolina Short Answer In North Carolina, co-ownership of land is proven by your name appearing as a grantee on a recorded deed in the county Register of Deeds. For a manufactured (mobile) home, ownership depends…
Will I be responsible for the mortgage if I get the deed transferred without refinancing it? – North Carolina Short Answer In North Carolina, changing the deed does not change who owes the mortgage. The person(s) who signed the promissory note stay personally liable unless the lender releases them through a refinance, formal assumption, or…
What steps do I need to add my child as joint owner with right of survivorship on a deed? – North Carolina Short Answer In North Carolina, you add a child with a right of survivorship by signing and recording a new deed that expressly says you and your child hold title “as joint tenants…
Does my child need to be present to sign the deed or can I use a power of attorney for them? – North Carolina Short Answer In North Carolina, the person transferring the property (the grantor) must sign and have the deed notarized; the person receiving title (the grantee, like your child) does not sign.…
How will adding my child to the deed affect regular property taxes and capital gains basis? – North Carolina Short Answer In North Carolina, adding a child to your deed usually does not increase your annual county property tax bill by itself, and it does not trigger a reassessment outside the normal county revaluation cycle.…
How can I transfer a property deed from my spouse’s name into my name or joint names? – North Carolina Short Answer In North Carolina, you transfer title by preparing and recording a new deed with the county Register of Deeds. To add a spouse, the titled spouse typically signs a deed from themselves to…
How do I protect my rights as an out-of-state owner and prevent being forced into a senior housing complex? – North Carolina Short Answer Under North Carolina law, no one can force you into senior housing unless a court first finds you legally incompetent after notice and a hearing. To protect your property rights, you…
How can I stop foreclosure on an inherited home when the lender only communicates with the executor? – North Carolina Short Answer In North Carolina, the record owner of the property has the right to notice and to be heard at the Clerk of Superior Court’s foreclosure hearing. The clerk can only authorize a sale…
Can I challenge unauthorized mortgage payments taken from my bank account by the lender? – North Carolina Short Answer Yes. In North Carolina, you can challenge unauthorized mortgage debits, revoke any auto‑draft permission, and seek a refund. You can also demand a full loan accounting and raise wrongful debits as a defense or objection in…
What does the upset bid process involve and how do I protect my interests? – North Carolina Short Answer In North Carolina judicial sales (including partition sales), any person can file an upset bid with the Clerk of Superior Court within 10 days after the report of sale (or the last upset bid). The new…