PGCAR COVID-19 Update
PGCAR Coronavirus Resource Guide
In face of the daunting challenges attributed to the coronavirus, the Prince George's County Association of REALTORS® (PGCAR) continues to update this list of resources that may be beneficial to you or someone that you may know, given the direct impact of COVID-19 to business operations. As an association, we realize the stress, hardship and major interruptions that many of our members have been experiencing. We encourage you to take advantage of any resources and / or critical assistance services that are available as needed.
- BGE is pledging $15 million to assist small businesses with COVID-19 relief and recovery, and growth.
- Eligibility requirements: BGE electric and / or gas customers in good standing with BGE, 2 - 25 employees, less than $7 million in annual revenue, demonstrated need for support and a strong plan for moving forward, in good standing with the State of Maryland
- Details & application >
- Provides funding for up to 12 months delinquent rental payments from April 1, 2020 or after.
- Owners, landlords or property managers holding a valid rental license with delinquent tenants impacted by the COVID-19 pandemic may apply.
- The ERAP opened to applicants twice in 2020, and closed when all funding was awarded. As before, please apply quickly while new funding is available.
- Details & application >
- Provides loans of up to $150,000 for small and underserved businesses with fewer than 50 employees.
- Funds can be used for working capital, equipment, building renovation, real estate acquisition and site improvements.
- MEAF also opened to applicants in 2020, and closed when all funding was awarded. Please apply quickly while new funding is available.
- Details & application >
- NAR has provided guidance to help REALTORS® respond to the coronavirus's potential impact on the real estate industry.
- Tax Deadline Changed - The deadline to file and pay federal income taxes for individual is extended from April 15, 2021 to May 17, 2021.
- Tax Credits for COVID-19 Vaccine Paid Leave - Businesses and tax-exempt organizations with fewer than 500 employee, and self-employed individuals can receive a tax credit for paid leave that was given to receive and recover from COVID-19 vaccines.
Rental Owners, Management and Tenants Assistance
- Encourage Tenants to Seek Rental Assistance - the United Way, utilities and other assistance sources for your tenants.
The deadline to apply for an Economic Injury Disaster Loan (EIDL) was extended until December 31, 2021.
- Economic Injury Disaster Loan (EIDL) - a low-interest SBA loan providing economic relief to independent contractors, non-profit organizations, small businesses and the self-employed that are currently experiencing a temporary loss of revenue.
- Starting April 6, 2021 - Maximum EIDL amount will more than triple, from six months' worth of economic injury - or up to a maximum of $150,000 - to 24 months of economic injury with a maximum loan amount of $500,000.
- EIDL Frequently Asked Questions - updated February 4, 2021
- SBA Loan Deferments - during the coronavirus crisis, the SBA is providing deferments for up to six months.
- SBA Coping with COVID-19 - Financial Tools & Resources to Help Small Business
- Congress has passed the Families First Coronavirus Response Act (H.R. 6201) providing support to American workers, families, and businesses, including the expansion of paid sick leave and family medical leave.
- The legislation guarantees free coronavirus testing, establishes paid leave, enhances Unemployment Insurance, expands food security initiatives, and increases federal Medicaid funding.
- A sweeping selection of resources available for free or at reduced cost through NAR. Offerings on finance, technology, skills building toolkits and more are available to REALTORS® to help their business.
- A free personalized .realtorTM domain, Marketing Strategy & Lead Generation Toolkit, and $7/month TeleHealth are just a few of the numerous offers under NAR Right Tools Right Now.
- The National Association of REALTORS® announced a new hotline that members can call if they have questions about the association's response to the COVID-19 pandemic.
- Members also can call the hotline for the latest information on what programs and services are being developed to help them in their business during this time.
- The hotline number is 800-874-6500.
- NAR Coronavirus Advocacy FAQs
- NAR TEXT Number - Text COVID19 to number 30644 to receive the latest information on NAR's advocacy efforts on COVID-19.
- Applying for Pandemic Unemployment Assistance (PUA) can prove to be a challenging puzzle. In this video, two labor and employment attorneys and two REALTORS® share their expertise and offer advice on the unemployment application process.
- As the dialogue is shifting to how to re-open the economy across multiple jurisdictions, please check out the listed resources and checklist for helpful guidance as we all start navigating this next phase.
- The information provided is intended to give real estate agents and brokers a brief description of some of the programs and assistance available to them during the COVID-19 pandemic.
- These programs provide varying support from forgivable loans to assist companies meeting payroll, to low interest loans helping companies stay open, to unemployment benefits and family and medical leave assistance.
- Many of the programs allow self-employed / independent contractors to participate. Others provide alternative assistance to self-employed. And others apply only to small businesses with actual W-2 employees. Please read the "Key Considerations" before reviewing the program charts.
The PPP is an SBA loan that helps businesses keep their workforce employed during the Coronavirus (COVID-19) crisis. The 2020 PPP loaned all available funding before its deadline. It is RE-OPEN to first-time and second-time applicants with increased flexibility, expanded eligibility, simplified forgiveness process, and a new "find a lender" matching process.
- Current Deadline: May 31, 2021. Work with your accountant and bank (or use SBA's find a lender) to apply quickly.
- Details and application >
- PPP Loan Forgiveness - The deadline to apply for PPP forgiveness, before it converts to a loan that needs to be repaid, is 10 months after the end of the loan's covered period. Apply for SBA PPP loan forgiveness through your PPP lender.
- A simplified PPP forgiveness application for loans under $50,000 was released October 8. Read more > See application >
- On June 16, the Small Business Administration and Treasury Department released the PPP EZ Loan Forgiveness Application for borrowers meeting certain qualifications such as not having employees or not reducing employee wages by more than 25% during covered time.
- To apply for forgiveness of your Paycheck Protection Program (PPP) loan, you must complete the application and submit it to your lender (or the lender that is servicing your loan). Borrowers may also complete this application electronically through their lender.
- Maryland Economic Adjustment Fund (MEAF) - Provides loans of up to $150,000 for small and underserved businesses with fewer than 50 employees. Funds can be used for working capital, equipment, building renovation, real estate acquisition and site improvements. Details & application >
- Small, Minority and Women Owned Business Account COVID-19 RELIEF Program - An additional $10 million in state Relief Act funding will be disbursed through the existing Video Lottery Terminal (VLT) fund. Details here and here.
- Maryland Small Business COVID-19 Relief Grant - Application period ended May 24, 2021. Details >
- Maryland Small Business COVID-19 Emergency Relief Loan Fund - Application period ended April 6, 2021. Submitted applications are being reviewed in the order received.
Rental Owners, Management and Tenants Assistance
- Maryland Eviction Prevention Partnership - Maryland resources for landlords and tenants. As HUD funding is received, programs are opening and closing. Visit the MEP Partnership page, or email firstname.lastname@example.org to see what help is currently available in your area.
- Assisted Housing Relief Program - Tenants in eligible properties can be credited a seven-month rent rebate paid directly to property management, to eliminate their rental debt and the threat of eviction. Application was last open to property managers December 2 - December 18. It may continue to re-open based upon funding. Eligible properties, details & application >
- The Maryland Business Relief Wizard is a tool that helps connect businesses with the resources and programming for which they're eligible, streamlining the process of finding support.
- REALTORS® in Maryland who are self-employed or independent contractors can apply for Pandemic Unemployment Assistance Benefits.
- The new Beacon One-Stop application allows all Marylanders to file all types of claims entirely online! This includes those who are eligible for regular benefits, CARES Act benefits, and individuals who were previously required to file by phone.
- Per an Executive Order from Governor Larry Hogan, effective March 5, he has ordered that if your real estate license expires during the state of emergency, the license renewal period will be extended until 30 days after the state of emergency is rescinded.
- You are encouraged to continue taking your continuing education courses, renewing your licenses online, and performing all other activities that are required for your license to the extent that you are able.
- Peter Franchot, Maryland Comptroller, announced an extension of several business tax deadlines until April 15, 2021. Click above or here for the list of delayed taxes.
- Maryland REALTORS® COVID-19 Related Delay Addendum - the Maryland REALTORS® legal team created a contract addendum to address real estate transaction delays related to COVID-19.
To view this form, you may need to log in here first, then scroll down to the Contract Addenda listing, COVID-19 Related Delay Addendum.
- Maryland REALTORS® COVID-19 Addendum to the Exclusive Right to Sell Residential Brokerage Agreement or Exclusive Right to Lease Residential Brokerage Agreement - the new Covid-19 Addendum to the Exclusive Right to Sell Residential Brokerage Agreement or Exclusive Right to Lease Residential Brokerage Agreement was created to enable broker and seller / owner to modify the showing instructions initially agreed to in the listing agreement to address concerns raised by potential exposure to COVID-19.
To view this form, you may need to log in here first, then scroll down to the Brokerage Forms & Addenda listing near the bottom of page.
- Maryland REALTORS® Best Practices for Compliance with Governor Hogan's Safer-at-Home Order
- Maryland REALTORS® COVID-19 Real Estate FAQs - Updated April 14 - the Maryland REALTORS® answered additional FAQs on real estate services during the COVID-19 health emergency, and combined it with their FAQs on Governor Hogan's expanded orders to combat COVID-19 spread, in effect since 8 pm March 30.
- Trying to figure out which COVID-19 Assistance Program is right for you? Check out Maryland REALTORS® new COVID-19 Assistance Programs Flowchart, linked to federal and state resources to help you find the information you need.
- To take advantage of this alternative to Maryland REALTORS® valuable member benefit, simply fill in the form and click SUBMIT. A Staff Attorney will respond by phone or in writing within two (2) business days.
- Please be brief but specific. Some questions will be easier to answer in this format, so be aware that if we need additional information to address your issue, Maryland REALTORS® may contact you or suggest you call the Hotline during its regular hours of operation.
- PLEASE NOTE: The submission of a question through use of the form is recorded as a Legal Hotline call. Salespersons may call the Hotline 4 times per year; Brokers or Managers may place unlimited calls.
- Buy Prince George's is a movement started in response to the COVID-19 pandemic supporting our residents by keeping them home, and supporting our businesses by connecting them with County residents shopping for goods and services. County businesses selling goods or services can be listed and involved.
- Emerge Stronger helps county businesses with training sessions, counseling and other technical assistance to better navigate new business and economic realities and ensure their long-term development.
- Prince George's County Coronavirus Information Page
Rental Owners, Management and Tenants Assistance
- Prince George's County Emergency Rental Assistance Program (ERAP) - Re-opened March 4 with more funding.
Details & application form >
Prince George's County Clerk of the Circuit Court - Land Records Department (STILL OPERATIONAL)
- The Prince George's County Circuit Court and the Prince George's County District Court remain closed to the public with limited exceptions due to the COVID-19 pandemic. However, staff are reporting to work as usual to ensure the continuation of real property record transfers in the county.
- The Land Records Office is not taking any walk-ins.
- Prince George's County is still processing 100% of documents submitted through Simplifile.
- You can also submit documents through the mail with the exception of deeds and deeds of trust.
- Simplifile is an e-recording management platform that both the Prince George's County Circuit Court and the Treasury Division utilize.
- REALTORS® should check with their title company to make sure that they are setup to E-record.
Maryland Moratorium on Utility Shut-Offs Ended November 15, 2020
The following companies have stated they will work with customers on a case-by-case basis to establish payment arrangements and identity energy assistance options. More information is available at the following links:
- Baltimore Gas & Electric (BGE)
- WSSC Water - WSSC Water restated November 13 it will suspend all water service shutoffs for those facing financial difficulties until further notice. WSSC Water will also waive late fees and work one on one with customers impacted by the outbreak.
Information about the virus is changing rapidly. For additional information on COVID-19, please review the Centers for Disease Control and Prevention website and NAR's guidance for REALTORS®.
Should you have any questions or concerns, please feel free to contact Dwayne Mingo, Director of Government Affairs for the association at 301-306-7900 or email@example.com.
Thank you for your attention to this matter and we strongly encourage you to share this information with your colleagues and / or network, and continue to be safe and take this health epidemic seriously.
Other Helpful Links
Prince George's County Health Department Coronavirus Hotline
Maryland Department of Health
Centers for Disease Control Prevention (CDC)
Maryland Health Connection Emergency Special Enrollment Period
Maryland Department of Aging
Call, text or chat: 211
- Prince George's County Public Schools Meal Distribution locations
- Capital Area Food Bank (CAFB) - is an invaluable partner and resource in Prince George's County, DC, and northern Virginia. If you or somebody you know is in need of food resources at this time, please visit the Capital Area Food Bank website to find a food pantry or distribution site nearby.
- Prince George's County Food Equity Council - is maintaining a COVID-19 Food Assistance Resource Guide for residents. This guide can be used to find food for seniors, families with children and residents experiencing food insecurity.
- Prince George's County Food Distribution Locations - find food distribution locations closest to specific street addresses.