We Buy Houses for Cash in North Carolina

From the mountains that took the brunt of Hurricane Helene to Piedmont mill-town streets and the coast, North Carolina houses carry very different problems. Some have wells and septic systems, some sit on private roads, some are family land with several heirs, and some are damaged and not yet repaired. Selling one the traditional way often means repairs before a buyer's lender will lend. Swifty Home Buyers buys North Carolina houses for cash, as-is, with no agent commissions, and you choose the closing date. This page explains the rules that are specific to North Carolina, including one that can matter after a foreclosure sale and one that sellers often misunderstand on the disclosure form.

We buy houses in all 50 states. This guide covers the rules that matter in North Carolina.

North Carolina's excise tax on real estate conveyances is $1.00 on each $500 or fractional part of the price, which is $2 per $1,000. General Statute 105-228.30 makes the transferor, the seller, responsible for paying it to the register of deeds before the deed is recorded. On a $300,000 sale the excise tax comes to $600. Beyond that, the costs that add up are commissions in a traditional sale (negotiable, and often a large percentage of the price), the closing attorney's fee, payoff of the loan and any liens, and prorated property taxes. If you have to make repairs to satisfy a buyer's inspection or a lender's appraisal, that raises the bill again. In a cash sale to Swifty there are no agent commissions and we do not ask for repairs. We put the numbers in writing before you commit, and your closing attorney provides the final settlement statement.

North Carolina foreclosures usually go through a special proceeding before the clerk of superior court instead of a full lawsuit. On home loans secured by a primary residence, the servicer must send a pre-foreclosure notice at least 45 days before filing a notice of hearing. The hearing takes place before the clerk, and if the clerk allows the sale, there are 10 days to appeal the decision. The notice of sale has to be posted at the courthouse for at least 20 days before the sale. After the auction there is a 10-day upset bid period in which anyone can place a higher bid, so the sale is not final on the auction day. Free counseling is available through the State Home Foreclosure Prevention Project run by the North Carolina Housing Finance Agency, at any stage of the process. Until the sale is final, borrowers may be able to negotiate a modification or other resolution and keep the home. Selling the house before the sale can pay off the loan and let you keep equity that an auction and upset bid process might not return. A North Carolina attorney or HUD-approved counselor can tell you your dates.

• Sell as-is
• Inherited house
• Foreclosure
• Tenants or rental property

Western North Carolina and Buncombe County

The Governor's office announced the federal major disaster declaration for Tropical Storm Helene on September 29, 2024, listing 25 counties, including Buncombe, Henderson, Haywood, Watauga and Yancey, and the Eastern Band of Cherokee Indians, and authorizing both Individual Assistance for residents and Public Assistance. In that region, sellers may be dealing with storm-damaged houses, roads or wells and septic systems that were disrupted, and insurance or FEMA claims still in progress. Those facts belong on the seller's disclosure. We buy damaged houses as-is and factor the condition into the offer.