LEWIS, Judge.
At issue in this appeal is whether a superior court judge, in a pre-foreclosure hearing under N.C.Gen.Stat. section 45-21.16, must hear evidence concerning the competency of a mortgagor to execute a deed of trust.
On 23 July 1993 Ellis R. Godwin, unmarried, and his mother, Nettie Godwin, widow, executed a note and deed of trust recorded in Book 4097, Page 1748, Guilford County Registry. Both Ellis and Nettie Godwin died soon afterward. On 10...
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