in the state of nc you have to hire a lawyer and go in front of a judge to get those excess funds. the home was originally foreclosed on in 2019 and the original buyer pulled out. because of covid the process was put on hold till 2022 when it sold. so i dont know exactly when the 5 years technically starts. we had to pull her out of the house because of her health and the storm. she lived indepententaly for 4 years till we put her in the assisted living this past october.
