How do I update my contact email for sale and closing documents when I can’t access my old account? – North Carolina Short Answer In North Carolina, tell your closing attorney and lender in writing to replace your old email with your new one and to remove the old email from all notices and e-sign…
How can I stop a lender-ordered appraisal if it wasn’t supposed to be required? – North Carolina Short Answer In North Carolina, you can refuse entry for an appraisal unless your signed loan documents or purchase contract give the lender or buyer a right to access the property. If the contract does not require an…
Can I get my loan assumption approved when I am named as successor in interest following a divorce? – North Carolina Short Answer In North Carolina, holding title after a divorce and being recognized by the servicer as a successor in interest gives you the right to communicate with the servicer and submit a complete…
How do I enforce my rights under CFPB rules when a mortgage servicer won’t cooperate? – North Carolina Short Answer In North Carolina, you can enforce federal mortgage‑servicing rights by making formal written requests under the CFPB’s servicing rules and, if needed, filing a civil action in court. The Clerk of Superior Court who hears…
What recourse do I have if my realtor undervalued my property compared to comparable sales? – North Carolina Short Answer In North Carolina, you can: (1) switch or terminate your listing under the contract’s terms; (2) file a complaint with the North Carolina Real Estate Commission for possible discipline; and (3) seek money damages in…
What steps do I take to fix an unmarketable title after discovering titling fraud? – North Carolina Short Answer In North Carolina, you typically fix an unmarketable title caused by titling fraud by filing a civil action in Superior Court to quiet title and ask the court to cancel the fraudulent instrument. At the same…
How do I remove the lien and refinance when my title is defective? – North Carolina Short Answer In North Carolina, you cannot refinance until your title is marketable. When a manufactured home was not properly converted to real property and a fraudulent affidavit clouds the record, you typically: (1) cancel the DMV title and…
How can I quiet title and clear a fraudulent affidavit from my property record? – North Carolina Short Answer In North Carolina, you file a quiet title/declaratory judgment action in Superior Court to remove a false or fraudulent document that clouds your title. You typically record a lis pendens to alert the public, serve all…
Can I obtain certified copies of missing deeds from the county recorder’s office? – North Carolina Short Answer Yes. In North Carolina, the Register of Deeds in the county where the property is located can provide certified copies of any deed that was recorded there. You’ll need enough information to locate the record (for example,…
What documents should I gather to clear title issues before recording a new deed? – North Carolina Short Answer In North Carolina, gather the chain of title (certified copies of all recorded deeds and plats), a reliable legal description (ideally a recorded plat or recent survey), proof that all owners can sign (IDs, name-change or…