{"data":{"id":"us-nc/n.c.-gen.-stat.-45-102","jurisdiction":"us-nc","citation":"N.C. Gen. Stat. § 45-102","heading":"Pre-foreclosure notice for home loans.","body":"At least 45 days prior to the filing of a notice of hearing in a foreclosure proceeding on a primary residence, mortgage servicers of home loans shall send written notice by mail to the last known address of the borrower to inform the borrower of the availability of resources to avoid foreclosure, including:\n(1)\tAn itemization of all past due amounts causing the loan to be in default.\n(2)\tAn itemization of any other charges that must be paid in order to bring the loan current.\n(3)\tA statement that the borrower may have options available other than foreclosure and that the borrower may discuss available options with the mortgage lender, the mortgage servicer, or a counselor approved by the U.S. Department of Housing and Urban Development.\n(4)\tThe address, telephone number, and other contact information for the mortgage lender, the mortgage servicer, or the agent for either of them who is authorized to attempt to work with the borrower to avoid foreclosure.\n(5)\tThe name, address, telephone number, and other contact information for one or more HUD-approved counseling agencies operating to assist borrowers in North Carolina to avoid foreclosure.\n(6)\tThe address, telephone number, and other contact information for the State Home Foreclosure Prevention Project of the Housing Finance Agency. (2008-226, s. 1; 2010-168, ss. 1, 9; 2012-79, s. 2.17(a), (g).)","path":["Chapter 45. Mortgages and Deeds of Trust.","Article 11. Emergency Program to Reduce Home Foreclosures."],"source_url":"https://www.ncleg.gov/EnactedLegislation/Statutes/HTML/BySection/Chapter_45/GS_45-102.html","current_through":"S.L. 2026-30","vintage":"","retrieved_at":"2026-08-27T18:02:57Z","sha256":"310bc1d0b3779fc806179bee160dcb331763837d07be1c11f5c1c7fede258b7c","source_id":"us-nc","stale":false,"prev":"us-nc/n.c.-gen.-stat.-45-101","next":"us-nc/n.c.-gen.-stat.-45-103"},"notice":"GroundRules: Original legal text. Not legal advice."}