What steps do I need to stay in my home if it’s in foreclosure? – North Carolina Short Answer In North Carolina, a homeowner in foreclosure can often stay in the home by actively working loss-mitigation options with the lender (such as a loan modification or assumption), using the built-in delays and hearing rights in…
How can I assume the existing mortgage after inheriting a property? – North Carolina Short Answer In North Carolina, an heir who receives a home through probate can usually keep making payments on the deceased owner’s mortgage and, in many cases, formally assume the loan if the lender agrees and the heir qualifies. Assumption typically…
Can I negotiate a loan modification, repayment plan, or forbearance to avoid foreclosure at this stage? – North Carolina Short Answer Under North Carolina law, a homeowner may seek a loan modification, repayment plan, or forbearance at almost any point before a foreclosure sale is completed, but the lender is not required to agree. For…
What steps should I take if I don’t receive a timely response from a title search company? – North Carolina Short Answer Under North Carolina law, delay or silence from a title search company is mainly a contract and service-quality issue. The key steps are to document all communications, set a clear written deadline, and…
What can I do if a title search provider fails to deliver a complete report? – North Carolina Short Answer Under North Carolina real estate law, when a title search or abstract is incomplete or does not match the agreed scope, the starting point is the service contract and what was ordered. The client can…
How do I confirm costs for an additional parcel search before proceeding? – North Carolina Short Answer In North Carolina, the cost for an additional parcel title search is a matter of contract with the search company, not set by statute. The clearest way to confirm costs is to get a written quote that specifies…
Am I entitled to a refund or credit for incomplete title search services? – North Carolina Short Answer Under North Carolina law, entitlement to a refund or credit for an incomplete title search usually depends on the service contract and whether the company failed to provide what it promised. If the agreement clearly covered both…
If there are other heirs listed, can I still sell, refinance, or insure the property before the title is cleared? – North Carolina Short Answer Under North Carolina law, a person listed as an heir usually cannot sell, refinance, or get full insurance coverage on inherited real estate until title is properly cleared. When public…
How can I confirm whether the deed transferring the house to me was recorded properly? – North Carolina Short Answer In North Carolina, the only way to confirm that a deed was recorded properly is to check the land records in the county where the property sits, usually through the Register of Deeds. A properly…
What steps do I take to remove my deceased grandparent from the title so the property shows only in my name? – North Carolina Short Answer In North Carolina, a deceased grandparent’s name comes off the title only after legal ownership has passed through probate or intestate succession and then been deeded into the heir’s…
