Special Fayetteville City Council Meeting

Special Virtual City Council meeting Monday April 20, 2020
Fayetteville City Council members will participate in a special meeting via Zoom Monday, April 20 at 5 p.m. This format change is due to the spread of the Coronavirus. The purpose of the special meeting is to discuss the Coronavirus and its impact on the current fiscal year budget and the next fiscal year’s budget.
Citizens and media members can listen to Monday’s special meeting in one of two ways:

  1. Watch the meeting online at: https://fayettevillenc.zoom.us/j/94677409657?pwd=bmxpeVZ0THQ3ZjFWbVhSQ0MvOE1mQT09 Password: 440555
  2. To call in to the meeting via telephone (no video, only audio), residents can call 1 (646) 558-8656 Webinar ID: 946 7740 9657 Password: 440555

MORE CITY NEWS

Watch FayTV (the City’s Government Access Channel) programming at your convenience on the City’s YouTube channel! Subscribe to the channel and get notified of new content. Click here to subscribe.

National Association of REALTORS® – Mortgage & Personal Finance RE: COVID-19

  1. My company’s offices are closed, and I am having a hard time providing my final verification of employment within the 10 days prior to loan closing.
    FHA and RHS are allowing verbal verification of employment. Specifically, your employer can provide this by phone. RHS is also allowing email verification. If you cannot get either of these, the lender will require higher reserves to cover risk. Fannie Mae and Freddie Mac will allow verbal verification when available and an email verification under certain conditions. They have also made other forms of temporary verification available in order to help with verification while social distancing.
  2. My lender indicated that the IRS has shut down and they cannot
    process loans without an income verification document that only the IRS can generate. Is this true?
    Luckily, there is precedence for an IRS shutdown based on several recent government shutdowns. Some lenders may require this document, but Fannie Mae, Freddie Mac, and FHA do not so this is a lender overlay. Fannie and Freddie both issued guidance in January 2019 following the previous government shutdown to note that they do not require the 4506T IRS tax transcripts at closing. Rather, they only require a request for the document be signed by the borrower.
    However, they do require the tax transcript be submitted as part of their post-closing review. NAR has asked both Fannie and Freddie to clarify and publish updated guidance given the unique challenges posed by COVID-19. Furthermore, the IRS reopened this facility during the shutdown as it was deemed essential. We have reached out to the IRS on this point.
  3. I have heard that the FHA, Fannie Mae, and Freddie Mac have raised rates and fees on borrowers with lower credit scores or smaller down payments?
    These claims are not true. To date, neither the FHA nor Fannie Mae and Freddie Mac have made any changes to credit scoring or down payment requirements. The only change they have made for borrowers is to allow MORE flexibility in how a lender can verify
    employment. However, some individual lenders are adding their own, higher standards on these products. The rational is that the cost of servicing these loans has surged due to the widespread forbearance that is taxing servicers’ resources. Under forbearance, the servicer
    must continue to pay PITI to the investor, but the sheer volume of forbearance to deal with the COVID-19 response is unprecedented. Since lower-credit borrowers are more likely to take forbearance and servicing is harder to get, lenders are less willing to extend this credit regardless of the FHA or GSEs’ standards. NAR sent a letter to the Treasury, Federal Reserve, and the Federal Housing Finance Agency requesting help for servicers dealing with the unprecedented demands on funds due to broad forbearance requests. Improving servicing is one key to improving the flow of funds to borrowers and homeowners. Ginnie Mae has announced the creation of a new program, that should help alleviate lender concerns and improve access to mortgage financing. The program will provide cover for lenders by advancing them the money so they can make the required passthrough payments to investors during the forbearance period.
  4. I have been told that Fannie Mae and Freddie Mac require a “wet
    signature” on all documents, so we can’t get funding!?!?
    Fannie Mae and Freddie Mac (the GSEs) require a number of documents to be signed before they will buy a mortgage from a lender. However, both GSEs allow electronic signatures on virtually all documents except for the promissory note. See here for Fannie
    Mae and Freddie Mac’s guidance for more detail. Unfortunately, in many areas of the country, lenders may not be able to meet face-to-face with their client in order to get a wet signature. The promissory note is part of the uniform commercial code and not determined by the bank or financial regulators. NAR is working with the GSEs, their regulators, and industry partners to get more clarity on the rules and
    potential fixes. Furthermore, real estate and financial services, as well as the government offices for documents and recording, that are needed to close the transactions have been deemed “essential services” by the federal government and many state governments.
    NAR continues to work with state and local associations to have local policy reflect this, which can enable wet signatures.
  5. In my area, appraisers have stopped appraising; Now what?
    FHFA has directed Fannie Mae and Freddie Mac to utilize appraisal alternatives to reduce the need for appraisers to conduct interior property inspections for eligible mortgages through May 17, 2020. Fannie Mae and Freddie Mac have provided detailed appraisal
    alternative guidance, including directions on using desktop appraisals and exteriorinspection only appraisals with specific language that appraisers are to use in their reports. FHA is also allowing desktop and exterior only appraisals, as well as VA with enhanced
    assignment conditions or in limited instances, a Desktop appraisal to complete the VA loan requirements in light of the COVID-19 crisis. The Rural Housing Service of the USDA is also allowing exterior-only appraisals.
  6. My lender indicates that so called “non-QM” loans, those with
    alternative income verification, are impossible to get and loans in
    higher cost areas like Los Angeles and New York are becoming more difficult to get as well. Is this true?
    Unfortunately, in most cases, loans with lower documentation or alternative means of documenting are not being made at this time. Without a job, borrowers are more likely to go into default, which would hurt lenders. Therefore, lenders are less willing to make loans
    during a crisis to borrowers whose source of income is in flux or not clear. Reports indicate it is becoming more difficult to get funding for “jumbo” loans, mortgages for larger loan amounts, common in high cost markets. This issue is caused by investors pulling back from these purely private mortgages as few lenders can hold them in portfolio and the private label securitization market diminishes. Some lenders with solid capital and portfolios are still making these, but have tightened standards. The Fed recently started buying MBS backed by Fannie Mae, Freddie Mac, and the FHA, in order to keep rates low and steady the supply of mortgage finance, but, by law, the Fed
    cannot buy individual mortgages or MBS that are privately backed. One solution is to temporarily raise the “high cost” conforming loan limits to enable Fannie Mae, Freddie Mac, and the FHA to buy these loans. However, Congress would need to change the law that defines the conforming loan limits, which NAR is actively advocating for with industry partners.
  7. How do the interest rates being lowered impact us?
    Wild swings in mortgages rates have hampered many deals. Initially rates jumped hurting many transactions that were near closing. To lower and stabilize rates, the Federal Reserve has purchased mortgage backed securities since March 20, 2020 and rates fell over the
    subsequent week. However, many lenders continued to tighten requirements because of problems getting mortgage servicers to take on new mortgages, particularly on lower credit or higher debt-to-income loans. NAR is working to alleviate the issue and servicing and to restore access to mortgage credit for all borrowers. On March 16-17 2020, NAR conducted a flash survey of members on the impact of the coronavirus on their market. The survey was delivered to a random
    sample of 72,734 members. For 96% of respondents, the majority of their business is residential. For 2% of respondents, the majority of their business is commercial. 45% of members cited there was no notable change in client behavior regarding the stock market and mortgage rate change. There is a one to one ratio of members who cited the stock market correction significantly damaged confidence, to those who cited lower interest rates excited clients. The share of members who cited the stock market correction influenced clients more than doubled from March 9 to March 16. We will continue to
    update this survey and will provide results here.

    Homeowner/Landlord Questions
  8. Does the HUD/FHFA moratorium on evictions and foreclosures cover everyone in the country?
    No, the moratorium only affects borrowers with mortgages backed by Fannie Mae, Freddie Mac, FHA, VA and RHS. This does not apply to the roughly 35% of mortgages held in bank portfolios and private label securities, but some individual lenders are offering relief.
    The HUD notice only applies to FHA single family mortgage borrowers and Home Equity Conversion Mortgage (HECM) borrowers. The moratorium is set for 60 days (through May 16th). FHFA has also directed Freddie Mac and Fannie Mae to do the same. Homeowners
    should check with their mortgage servicer/lender. Personal Finance Questions
  9. I’ve lost my job or had my income reduced due to the social distancing required to battle COVID-19. What can I do to avoid falling behind on my mortgage?
    Fannie Mae, Freddie Mac, and the federal agencies are offering forbearance on mortgages they back. Fannie Mae, Freddie Mac, FHA, and USDA Rural Housing are requiring lenders to approve six months forbearance for any borrower whose income has been adversely affected by COVID-19 and another six months forbearance is available but lender must approve for FHA borrowers. Lenders are to waive all late charges, fees, and penalties during the forbearance period.
    Individuals must contact their servicers to request this forbearance, which freezes payments during the specified time period. There are no fees during and after the forbearance period, and requests can be made to have the missed payments extended onto your payment term. Forbearance can be applied to mortgages on single family properties that are owner-occupied, second home, and investor properties.
    After the forbearance period, the GSEs will modify the loan so that you can afford your payments. You must bring missed escrow payments up to date within 5 years, but are eligible for an “extend mod” which adds the missed payments onto the end of your loan
    term. If you cannot make the pre-forbearance payments there are a number of other modifications that can be made. This document outlines Fannie Mae’s modification options and here is more information about the extend mod. Some private banks are offering forbearance on loans that they hold which are not federally backed. Individuals should contact them directly to learn more about their
    programs. The CFPB has organized a primer and video on what consumers should look for when exploring forbearance or other relief options.
  10. I’m going to have a hard time making my student loan payments, as my job was put on hiatus during the crisis; What do I do?
    The CARES Act provides 6 months of forbearance on federal student loans. It also prohibits negative credit reporting or involuntary debt collection during forbearance period. The Department of Education has also waived all interest on student loans for this period. You
    must contact your loan servicer to get a forbearance.
  11. I’m worried about my credit score. What should I do if a miss a few payments due to the crisis?
    The CARES Act implemented provisions to protect credit scores from January 30, 2020 through 120 days after enactment of the national emergency. If customers are making payments, or made arrangement to not make payments, customers must be reported as being current. If a customer was delinquent, but was able to make an arrangement with the servicer and is now current, then their account must be reported as current. The important thing is to reach out to your servicer, bank or credit card company if you are having trouble making your payments.
    Stay tuned to NAR.REALTOR for the latest Federal Advocacy Effort

From the National Association of REALTORS® – Special Pandemic Unemployment Frequently Asked Questions

CARES Act (Coronavirus)
Unemployment Assistance FAQs
The Coronavirus Aid, Relief, and Economic Security Act (CARES Act) signed into law on March 27, 2020, provides relief to families, small businesses, and individuals who are self-employed and independent contractors. A key provision in the law creates a temporary “Pandemic Unemployment Assistance” program that extends unemployment benefits to those not traditionally eligible, including self-employed individuals. Below is a summary of the program that will be updated with guidance
anticipated from the U.S. Department of Labor (DOL).

  1. I’m an independent contractor, am I eligible for unemployment
    benefits?
    The PUA program is a temporary program that provides assistance to individuals, including selfemployed and independent contractors, who are fully or partially unemployed as a direct result of the COVID-19 public health emergency, beginning January 27, 2020 through December 31, 2020. Individuals who are eligible for PUA compensation are:
  • NOT eligible for regular compensation benefits
    or extended benefits under state or federal law;
    AND
  • Can self-certify that he or she is able to work, but who is unable to work due to COVID-19 such as: movement restrictions, employment
    closures, medical diagnoses, and quarantines. (See Question 8 below for details.) If an individual is eligible to telework with pay, or has paid sick leave or expanded family and medical leave, they will not be eligible for unemployment assistance. Further, under the law, the U.S. Secretary of Labor is authorized to establish additional eligibility criteria. These new benefits will be carried out through agreements between each state and the Department of Labor, where more details on eligibility are expected as these programs are implemented.
    Additional Resources:
    • Filing for Unemployment
    Insurance
    • State Unemployment
    Office Information
    • DOL Coronavirus

  1. Real estate services has been deemed “essential” in my state, does
    this mean I’m ineligible for the new unemployment benefits for selfemployed?
    Even if real estate related activities are deemed essential, whether an individual will be eligible for PUA depends upon whether or not that individual is able to work. For this purpose, whether an industry is “essential” is not relevant to the test.
  2. If I am an independent contractor, can I now immediately apply for unemployment compensation benefits in my state under the new CARES Act?
    It depends! Each state labor or employment agency participating in the pandemic unemployment compensation program will have its own process for accepting unemployment compensation applications and processing those requests. Many states are working to implement the CARES Act and are creating the proper systems to be able
    to accommodate all requests for unemployment compensation. It is best to continue to check with your state labor agency or commission to find out how to apply.
  3. As an independent contractor, can I apply for unemployment
    compensation benefits and still accept work?
    Independent contractors and self-employed individuals can apply for full or partial unemployment compensation benefits for weeks that their work has been impacted due COVID-19 if they live in a state that is participating in the PUA program with the U.S. Department of Labor. State laws and regulations will govern the conditions related to
    work availability and what constitutes “active work,” while receiving unemployment benefits.
  4. If I am able to telework, but unable to fully close transactions or
    complete work to receive compensation, am I ineligible for benefits?
    The law states that if an individual is eligible to telework with pay, they will not be eligible for unemployment assistance. We have requested more guidance from DOL on what “telework with pay” entails, as the Secretary of Labor is authorized to establish
    additional eligibility criteria. There may be an option for “partial unemployment” benefits also depending on eligibility circumstances. It may be useful to keep track of total hours worked to help estimate the percentage of time worked, as states’ requirements for
    reporting unemployment eligibility vary.
  5. A closing occurred prior to the effective date of the PUA program, but I have not been paid my commission. How does this impact my
    unemployment eligibility?
    Without guidance from the U.S. Department of Labor or partnering states, it is unclear how earned income prior to being “out of work” may impact unemployment benefit eligibility. It is recommended to apply for the benefits, including detailed financial information for benefits calculations, which may reduce the total benefits or not pay for that particular week during which the compensation is received.
  6. How much in unemployment benefits can I receive and for how long?
    It depends! The CARES Act provides benefits of $600 per week (only through July 31, 2020) in addition to the amount provided under a state’s compensation law through December 31, 2020.
    Typically, states base compensation amounts on an individual’s wages from their most recent tax year, and net income from all self-employment that was reported on an individual’s tax return. Individuals can receive up to 39 weeks of PUA benefits through
    December 31, 2020. See more on state specific benefits here. The CARES Act also included a provision encouraging states to waive a customary 7-day waiting period to receive benefits.
  7. What factors are considered when determining unemployment
    benefit eligibility as a result of COVID-19?
    Individual factors that are needed to show unemployment status as a result of COVID-19
    include:
  • Individuals diagnosed with COVID-19 or experiencing symptoms of COVID-19 and seeking a medical diagnosis;
  • A member of an individual’s household who has been diagnosed with COVID-19;
  • Individuals providing care for a family member, child, or other person within one’s household diagnosed with COVID-19;
  • Individuals who are unable to reach his or her place of employment because of selfquarantine, due to COVID-19;
  • Individuals who were scheduled to begin a work or unable to reach work due to COVID-19;
  • Individuals who provide major household support, because the head of the household has died as a result of COVID-19;
  • Individuals who have had to quit his or her job as a direct result of COVID-19;
  • Individuals whose place of employment is closed as a direct result of COVID-19; or
  • Individuals who are self-employed, or who would not otherwise qualify for regular unemployment.
    The U.S. Secretary of Labor is authorized to establish additional eligibility criteria that could potentially include other factors to prove eligibility, which is also possible by individual state programs. As more details are provided, NAR will provide updates.
  1. Where do I apply for unemployment compensation benefits?
    To apply for unemployment compensation benefits, you must apply through your state labor or employment department. To find out more information about your state unemployment office, see here.
    Because the application process is now being extended to independent contractors, there may be questions asked that do not apply (i.e. who is your employer). As states update their processes to conform to the federal guidelines, the process may change. It
    is recommended that all questions be answered thoroughly and honestly for accuracy in PUA benefit determinations.
  2. If I am deemed eligible by the state to receive unemployment
    compensation, how long will it take for me to receive those benefits?
    It depends! The time it takes for your state labor agency to determine your eligibility to receive unemployment compensation benefits, and the time it takes for you to receive those benefits will vary. It is important to check with your state labor or employment
    agency to better understand the processing timeline.
  3. May I collect unemployment insurance benefits for time in which I
    receive pay for paid sick leave and/or expanded FMLA leave?
    No. If you are eligible for paid sick leave or expanded family and medical leave (FMLA), you are not eligible for unemployment assistance. However, each State has its own unique set of rules; and DOL recently clarified additional flexibility to the States (UIPL 20-
    10) to extend partial unemployment benefits to workers whose hours or pay have been reduced. Therefore, individuals should contact their state unemployment office for specific questions about eligibility.
    State Participation in the Pandemic Unemployment Compensation Program & Other Related Questions
  4. Is my state required to participate in the Pandemic Unemployment Assistance (PUA) Program?
    No. Under the CARES Act, states may participate in the PUA program, and will be fully reimbursed for the compensation paid out, plus administrative costs, if they do so (subject to DOL authority).
    Individual states will need to sign an agreement with the U.S. Department of Labor for the full reimbursement costs to implement the program. Check with your state labor department or unemployment commission to determine PUA participation. To find
    information on you state labor agency, see here.
  5. Is there a list of states that are currently participating in the
    Pandemic Unemployment Assistance program?
    At this time, there is no comprehensive list of states participating in the PUA. States are taking different approaches to the new program, where some have already started to allow workers to apply while others are waiting for guidance from DOL. Check with you
    state labor department or unemployment commission to find out whether a state is planning to participate and the potential eligibility criteria. For more information on state labor agencies, see here.
  6. How much money will my state receive in pandemic unemployment assistance?
    The amount that each state will receive in funds for pandemic unemployment assistance will vary by state. The amount is determined by the U.S. Secretary of Labor based on statistical data and information agreed upon with the state labor agencies.
  7. I’m a broker, with independent contractor agents. Will I have to pay anything for my agents to receive unemployment benefits?
    Traditionally, state unemployment programs are funded by an employer assessed unemployment tax. The CARES Act extended unemployment benefits to independent contractors for states that sign an agreement with the U.S. Department of Labor for 100
    percent reimbursement of compensations paid. At this time, there are no specific details regarding additional fees or taxes imposed on businesses with independent contractors receiving unemployment benefits under the PUA.
  8. How can I receive “Pandemic Emergency Unemployment
    Compensation”? What if my state does not participate in PUA?
    Under the CARES Act, individuals must first seek regular unemployment compensation benefits under state and federal law prior to being eligible to receive “Pandemic Emergency Unemployment Compensation” benefits. Only after an individual has been eligible for and exhausted their state unemployment benefits may they be eligible for an addition 13 weeks of the “Pandemic Emergency Unemployment Compensation,” available through the end of the year.
  9. Will there be additional guidance or assistance specifically for selfemployed individuals and independent contractors on the PUA
    program?
    Under the CARES Act, the U.S. Labor Secretary is authorized to issue operating instructions or other guidance necessary to implement the law. DOL and State Labor Agencies will likely provide additional guidance as soon as reasonably possible. NAR will provide updates and any additional resources as this guidance is released.
    Additional Resources:
    50 State Guide to Workforce Agencies’ COVID-19 Response
    U.S. Department of Labor State-by-State Guide to Unemployment Benefit Amounts
    Stay tuned to NAR.REALTOR for the latest updates and NAR

New Executive Order from the Governor’s Office

GOVERNOR

Governor Cooper Signs Executive Order to Prohibit Utility Disconnections in the Wake of COVID-19 Expand Governor Cooper Signs Executive Order to Prohibit Utility Disconnections in the Wake of COVID-19

Raleigh
Mar 31, 2020
Governor Roy Cooper today announced another step to help families by prohibiting utilities from disconnecting people who are unable to pay during this pandemic. Today’s Order applies to electric, gas, water and wastewater services for the next 60 days.

The Order directs utilities to give residential customers at least six months to pay outstanding bills and prohibits them from collecting fees, penalties or interest for late payment.

Telecommunication companies that provide phone, cable and internet services are strongly urged to follow these same rules.

“This action is particularly important since tomorrow is the first of the month, and I know that’s a date many families fear when they can’t make ends meet,” said Governor Cooper. “These protections will help families stay in their homes and keep vital services like electricity, water, and communications going as we Stay at Home.”

Additionally, the Order encourages banks not to charge customers for overdraft fees, late fees and other penalties. Landlords are strongly encouraged in the Order to follow the spirit of Chief Justice Cheri Beasley’s Order and delay any evictions that are already entered in the court system.

Governor Cooper was joined by Attorney General Josh Stein to announce the order and he thanked companies that have already voluntarily announced policies to prevent shutoffs, including Duke Energy, Dominion Energy, AT&T, and local electric co-ops, among many others. Today’s Order follows the Governor’s Stay At Home order, which is in effect until April 29.

The Council of State concurred with the Order today.

Read the full Order here.

Read an FAQ about the Order here.

The NC Department of Revenue also announced expanded tax relief measures today, waiving penalties for late filing or payments of multiple state tax categories. Learn more about this tax relief here.

Make sure the information you are getting about COVID-19 is coming directly from reliable sources like the CDC and NCDHHS. For more information, please visit the CDC’s website at www.cdc.gov/coronavirus and NCDHHS’ website at www.ncdhhs.gov/coronavirus, which includes daily updates on positive COVID-19 test results in North Carolina.

NC REALTORS® Update

Overnight we have received a significant amount of questions from members about the specific application of the Governor’s order and how it applies in local communities. Your NC REALTORS® team has been pouring over each of the local orders and the statewide order to be able to provide you additional clarification. PLEASE READ THIS VERY CAREFULLY.

LOCAL ORDERS:

The order issued by the Governor yesterday DOES NOT preempt or supersede any local order which includes more restrictive guidelines. This means that if you are operating in a local area (county or municipality) with a more restrictive order on real estate activity, YOU MUST COMPLY WITH IT.

Here is a list of Local Governments with MORE restrictions than what is included in the state order.
• Town of Beaufort
• Buncombe
• Cabarrus
• Dare
• City of Durham
• Guilford/Greensboro/High Point
• Mecklenburg/Charlotte

Please note: Many of these orders prohibit non-residents from entering the county to perform a non-essential business activity. If you live in another county but do business in a more restrictive county, you MUST follow the local order in the county where you are working, even if it is more restrictive than your home county or the state order.

Here is also a list of Local Governments with SIMILAR provisions to the state order.

If you live or work in one of the following counties or municipalities, your county has issued an order WITH SIMILAR PROVISIONS to the state order. WHILE YOU MUST FOLLOW YOUR LOCAL ORDER you will be allowed to conduct most real estate activities so long as you adhere to the strict health guidelines issued by the CDC and NC DHHS.
• Clemmons (Village)
• Gaston
• Haywood
• Orange
• Pitt/Greenville
• Wake
• Winston-Salem

For all other counties, while to our knowledge you are not currently governed by any stay at home or shelter in place orders, YOU MUST follow all health and safety guidelines. You will be allowed to conduct most real estate activities once the Governor’s order takes effect under the state health and safety guidelines. We will provide additional guidance in the form of a Legal Q&A on Monday regarding the Governor’s order.

STATE ORDER:

The Governor’s order does include real estate as an essential service. With that said, please understand the seriousness of the situation that we are dealing with and recognize that health and safety restrictions may still impact your business activities. Regardless of what allowances you have in your local community or through the state order, this is not the time for business as usual. It is possible to LOSE OUR DESIGNATION AS AN ESSENTIAL BUSINESS if members violate these orders, particularly as to the health and safety guidelines.

The Governor’s order does not take effect until 5:00 PM on Monday (3/30) so the guidance offered in it is NOT YET ACTIVE. Once active, it will remain in effect for thirty (30) days. However, many of the local orders are already in effect. All orders (state and local) may be rescinded or modified at any time so please make sure you comply with all current guidelines.

Also, for individuals, violation of any order can be punishable by up to a Class 2 Misdemeanor. Any REALTOR® convicted of that charge will have to report the conviction to the North Carolina Real Estate Commission and may be subject to disciplinary action.

Once again, ANY allowed real estate activity should follow the strict health guidelines issued by the Centers for Disease Control (CDC) and the North Carolina Department of Health and Human Services (NC DHHS). This includes limiting gatherings to no more than 10 people, social distancing of 6 feet between persons, and regular sanitation/hygiene procedures.

IMPORTANT NOTE: None of the information provided above constitutes legal advice. Please consult with your attorney with any specific questions regarding pending contracts. You may also contact the NC REALTORS® Legal Hotline which is open during our regular business hours of Monday through Friday, 8:30 am to 5:00 pm. To contact the Legal Hotline, email legalhotline@ncrealtors.org.

The Legal Hotline attorneys are busy writing additional Q&A formatted advice. This additional guidance should be available by the time the Governor’s order takes effect. Please check our website at http://www.ncrealtors.org/coronavirus/ for additional information which is being added daily.

NC REALTORS®
4511 Weybridge Lane, Greensboro, NC 27407
(336) 294-1415 | hello@ncrealtors.org