What to do if husband refuses to move out of the house, and in NC you have to live for one year separately to get divorced?

If your husband is guilty of some sort of marital misconduct you can file a claim for divorce from bed and board, which if granted is a judicially ordered separation. If you can afford to pay the bills without his income you could temporarily move out, file a claim for equitable distribution and asked for an interim distribution of the house, but it would be up to a Judge. You may also want to talk to the bank and see if there are other options besides just ceasing to pay the mortgage.