Learn about the law and your legal rights in North Carolina. Find self-help resources to resolve your legal problems without a lawyer.
There are 17 resources
Self-Help
Buying a Home in North Carolina
(Separate Website)
This brochures contains important legal information about buying a home in North Carolina.
By: North Carolina Bar Association
Making Home Affordable Program
(Separate Website)
This comprehensive site offers information on a number of programs as well as allowing you to connect with free HUD-approved counseling organizations, and locate free events in your area
Finding a Home to Buy
(Separate Website)
Looking for a home is an exciting project, one which will take time to thoroughly research. Do you know what you want in a home? How will you match what you are looking for in a home with the features that the homes on the market have? The following is a list of some of the items you may consider: (1) Size of home, number of bedrooms, baths, (2) Region of the country; which city? (3) Location of home; is it close to schools and shopping? (4) Type of home, (5) Age of home
This web site contains more information about these types of considerations.
By: Ginnie Mae
Homeownership in North Carolina
(Separate Website)
Owning a home is a big part of the American Dream. Here are some resources that can help you buy, maintain and keep your home.
By: U.S. Dept. of Housing and Development
Read this in:
Spanish / Español
Buying vs. Renting a Home
(Separate Website)
There are many advantages to buying a home versus renting one. This web site helps you compare the two situations. View these advantages in the Buy vs. Rent Comparison Chart, or view a financial comparison of buying versus renting in the Buy vs. Rent Calculator.
By: Ginnie Mae
Federal Mortgage Programs
(Separate Website)
This document contains information about federal programs to help you purchase your own home with a low-cost mortgage.
HUD's Federal Housing Authority (FHA) has mortgage insurance to help you become a homeowner. FHA doesn't actually make loans. Instead, it insures loans so that if buyers default for some reason, the lenders will get their money. This encourages lenders to give mortgages to people who might not otherwise qualify for a loan. You may be able to get an FHA loan 3% down, or even less! Talk to an FHA-approved lender about itto see if an FHA loan might be right for you.
By: U.S. Department of Housing and Urban Development (HUD)
Fair Housing--Equal Opportunity for All
(Separate Website)
The North Carolina Fair Housing Act makes it illegal to discriminate in housing because of race, color, religion, sex, national origin, physical or mental handicaps, or family status. The law applies to the sale, rental and financing of residential housing.
By: NC Department of Administration
100 Questions and Answers About Buying a New Home
This web page from the web site of the Department of Housing and Urban Development, answers common questions about buying new homes.
By: U.S. Department of Housing and Urban Development
Other Formats:
Separate Website
Read this in:
Spanish / Español
Common Questions of First-time Homebuyers
(Separate Website)
This document contains frequently asked questions that first-time homebuyers have about purchasing a home.
By: U.S. Department of Housing and Urban Development
Read this in:
Spanish / Español
HUD Homes (Answers to Common Questions)
(Separate Website)
This web page explains how to buy a HUD Home and provides links to properties that are available near you for purchase from HUD. When someone with a mortgage insured by the Department of Housing and Urban Development (HUD) can't meet their payments, the lender forecloses on the home. HUD pays the lender what is owed and HUD takes ownership of the home. Then HUD sells it at market value as quickly as possible.
By: U.S. Department of Housing and Urban Development
Questions and Answers on Fair Housing
(Separate Website)
The purpose of the fair housing laws is to
protect a person?s right to own, sell, purchase,
or rent housing of his or her choice without fear
of unlawful discrimination. This pamphlet will focus primarily on the fair housing laws as they are applied in the State of North Carolina.
By: North Carolina Real Estate Commission
Shopping For Your Home
(Separate Website)
This short (HUD) video will instruct viewers on assessing how much of a home you can afford, working with a real estate agent and what happens once you find the home you want to buy.
By: Department of Housing and Urban Development
Shopping For Your Loan
(Separate Website)
Once you've found the home of your dreams, the next step is to shop for a mortgage loan. This video will help consumers use the good faith estimate (GFE), which is a form that spells out the terms of a loan offer, to shop for the best loan for them. Consumers will learn how to use the GFE to determine how long an interest rate is available for a particular loan and how to identify key loan terms and costs of a particular loan offer.
By: Department of Housing and Urban Development
Closing the Deal
(Separate Website)
This video walks consumers through the actual closing process including how to make sure the loan they were offered closely matches what they encounter at the settlement table.
By: Department of Housing and Urban Development
North Carolina Statutes
(Separate Website)
The North Carolina General Assembly is offering access to the Statutes on the Internet as a service to the public. These statutes are the general laws that govern North Carolina's legal system.
By: North Carolina General Assembly
Do You Need Legal Help?
(Separate Website)
This will explain who is eligible for our services, what kind of cases Legal Aid normally handles, some examples of them, and how to locate an office near you.
By: Legal Aid of North Carolina
Avoiding Predatory Lending
(Separate Website)
Follow this guide to protect yourself from predatory mortgage (loan) lenders.
By: NC Housing Finance Agency
Adobe Acrobat Reader required. (If you are using a screen reader that does not support PDF format, copy the PDF link, and use the Access Adobe online form to convert this file to HMTL text.)
Legal Aid of North Carolina provides free legal advice and representation in some types of cases. Click on the icon to find out what types of cases are handled and to apply online.
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