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Serving South Florida

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For over 40 years

home safety

COVID-19: Weighing the Risks of Going Out

COVID-19 Risk Chart
COVID-19 Risk Chart

Since COVID-19  lock downs began in the US, most Americans have drastically changed their patterns: following instructions to stay home, limiting almost all contact with others, and venturing out only for essential trips and exercise. Americans are getting tired of staying inside. All states have re-opened at different levels. As states begin to ease social distancing restrictions, people are beginning to have more options. Between those wanting to patronize newly reopened businesses or socialize in person, and more employers calling people back to work.

The safest thing anyone can do in the middle of the Covid-19 outbreak is still the same as it was a few months ago: Stay home as much as possible to avoid catching or spreading the virus until there is a vaccine or effective treatment, or until the pandemic otherwise ends. That especially applies to people who are sick, who should do all they can to avoid exposing others to the coronavirus.

But for many people, it’s really not clear which kinds of gatherings are safe and which aren’t. And that uncertainty can spark anxiety. Fortunately, health experts know more about the COVID-19 than they did when the lock downs began, and they can point us to different levels of risk as we begin to reengage. First and foremost, the advice that has been repeated for much of the past few months remains true: Your home is still the safest place to be during this pandemic. You should continue trying to stay home as much as possible, because the virus is still circulating at a very high rate in many communities. But whether you need to for work or you’re simply tired of looking at your home’s walls, there are ways to mitigate risk when you go out.

if you want to do something outside your home, it’s better to take advantage of the fresh air and do it outdoors rather than indoors when possible. If you want to meet with certain friends or family, consider a pact with them in which you’ll both agree to minimize or eliminate contact with anyone else, to reduce overall exposure for everyone involved.

The most important thing: Avoid indoor spaces that bring you within 6 feet of people from outside your household for long periods. “It is about density. It is about duration of contact,” according to Cyrus Shahpar, a director at Resolve to Save Lives. So if you’re having friends over, consider hanging out outside (and keep it to a small group). If you want to eat at a restaurant, look for outdoor seating. If you’re going for a run, go to the park, beach, or streets instead of the gym.

After some mixed messaging from federal officials early on in the COVID-19 outbreak, there is widespread consensus that people should wear masks when they go out — a surgical or medical mask if they have one, a cloth one if they don’t.  The Centers for Disease Control and Prevention recommends masks “in public settings where other social distancing measures are difficult to maintain (e.g., grocery stores and pharmacies), especially in areas of significant community-based transmission.” But other experts — and, in some cases, government mandates — go further, saying you should wear a mask in just about any setting outside your home as long as the pandemic continues.

The primary reason for a mask is to stop transmission from the wearer to others, particularly from people who are infected but asymptomatic and therefore might not even know they’re infected. If you wear a mask, you’re less likely to spray virus-containing droplets on surfaces or other people when you breathe, talk, sing, laugh, sigh, snort, cough, sneeze, and whatever else you might do with your mouth and nose.

One of the common pieces of advice throughout this pandemic has been to keep 6 feet or more away from people you don’t live with, summarized by the catchy slogan “6 feet distance determines our existence.” The closer you are to someone, the likelier they are to shed their coronavirus all over you, and vice versa.

Whether you’re leaving your home because you have to for food or work, or you’re going out because you can’t stand the sight of your apartment anymore, one way to minimize risk is to space out all your trips.

With every venture outside, you are putting yourself at risk of contracting COVID-19 in a world that’s still engulfed by a pandemic.

ALWAYS wash your hands frequently, and don’t touch your face. If you’re going to frequently venture far outside your home, that advice is especially pertinent. Take hand sanitizer to use religiously and wear gloves whenever possible.

Stay Safe, Stay Healthy, Stay Home Whenever Possible

Household Pets and COVID-19

Pets and Covid-19

Pets and Covid-19

 

Pets are an important part of our family, and one of the bright spots in the stay-at-home mandates due to COVID-19  is that we get to spend more time with them. The pets of the world are probably delighted with that aspect of the current crisis.

Understandably, many owners have questions about their pet’s susceptibility to COVID-19 and how it might affect their personal health. Just as medical experts are learning more each day about how the new coronavirus, COVID-19, impacts the health of humans, they’re also studying its effects on animals. And what they’ve discovered is that although the virus primarily spreads from person to person, it can spread from people to pets in some situations.

A small number of pets worldwide, including cats and dogs, have tested positive for COVID-19, “mostly after close contact with people with COVID-19,” the Centers for Disease Control and Prevention (CDC) says.

Cats appear to be the most susceptible to SARS-CoV-2 and can even develop symptoms of the disease, preliminary studies show. They also seem to be able to spread the virus to other cats. (Laboratory studies have found that ferrets and golden or Syrian hamsters can spread the infection to other animals of the same species as well.)

How to protect your pets

Keeping your four-legged family members safe during the coronavirus pandemic looks a lot like how you might go about protecting the humans in your family. Physical Distancing is a key preventative measure. Public health experts recommend keeping your pet away from other people and animals outside the household.

Avoid dog parks and public spaces where dogs gather to play, and when on walks, keep your dog at least 6 feet from other people and animals. Cats should be kept indoors when possible to limit their interaction with other people and pets, the CDC advises. While you spend more time at home, try to dedicate more time to playing with your dog or cat. It’s a great time to bond, teach them new tricks or focus on behavior training.

If you or someone in your family is sick with COVID-19, avoid contact with your pets — this includes petting, snuggling and smooching. If possible, have another member of your household care for your pet while you are sick, the CDC says. Also: Be sure to wear a cloth face covering if and when you are around your pet, and don’t forget to wash your hands before and after touching any animal. This helps to keep you and your pet healthy.

Here are some key actions you can take to prepare and help ensure the safety and care of your pets in case you get sick:

  • Identify a trusted person to care for your pet if you become ill or are hospitalized.
  • Make sure your pets all have proper identification. Ensure microchip information is up to date in case you and your pet are separated.
  • Keep a crate, food and extra supplies on hand.
  • Document all medications with dosages and administering instructions.
  • Keep at least one month of food and medications on hand.
  • Ensure that your pet is up to date on all of their vaccinations

If you are concerned that your pet has been exposed to the coronavirus, contact your veterinarian. Just like with people, it’s better to call first to limit the risk of exposing others to the virus.

COVID-19 Real Estate Home Buying Process

Real Estate Process
Real Estate Process

COVID-19 Real Estate Home Buying Process

With the current COVID-19 pandemic, the federal government has labeled residential and commercial real estate as an essential business. Yet, COVID-19 has changed how real estate is conducted not only with how Realtors are showing properties but also how real estate transactions are closed.
One thing is certainly sure: being an “essential” business does not necessarily mean business as usual.
Pre-Closing
The New National Association of Realtors (NAR) guidelines follow and strictly adhere to all CDC safety guidelines. NAR supports and encourages that all brokerage firms order their agents to shelter in place and avoid all social interaction.
Such stay at home mandates and social distancing regulations have pushed real estate agents to become creative. Instead of having open houses, real estate agents are using virtual property showings, and Facebook live open houses. There are programs for customers to even design their home using digital tools, watching videos of the construction as their property is being built. Realtors are doing initial showings over video chat services like Face Time, Skype or Zoom.
Contract
Perhaps the real challenge COVID-19 poses to home buying is not necessarily shopping for the home—rather, it is closing on one.
Issues with contracts focusing on force majeure clauses, or clauses that provide for a delay or opportunity to get out of underlying obligations in the event of unforeseen or uncontrollable events have been an emerging issue during this pandemic.
The development of the COVID-19 Extension Addendum to Contract allows for time periods and dates to be extended as a result of the Corona-virus pandemic.
Closing
Once contract issues are overcome, the closing itself has evolved due to this crisis.
Make sure that you or the Seller only use an escrow and Title company that is capable of handling the closing. Specifically ask whether they use online or mobile notaries. Also determine if the local recorder’s office uses electronic recording and whether the title company is equipped to record the deed electronically.
Many documents in the closing process require a notary, and notarization is normally required to be done-in person. The Florida legislature and Governor signed into law effective January 1, 2020, a new law that allows for what is called remote online notarization (RON). This is a huge game-changer in the State of Florida, particularly in the area of real estate closings. No longer do parties all have to get together at a certain set time around the conference room and execute documents. Now, from the comfort of your own home, provided that you have your own laptop or smart phone, you can execute documents online and remotely and have those documents notarized. While the technology is new, it is not that new. It is the same technology that is used to validate your passport or driver’s license when you go through security at an airport. This validation technology is now being used for remote online notarization (RON).
If, for example, you are in another state and are closing on real estate located in Florida, or, perhaps, you are in a profession (such as being a doctor and on call) that makes it difficult to attend a closing, you can now remotely video into the closing and notarize your documents from the comfort wherever you might be. Documents are produced online for your review, and at the point that you are prepared to execute those documents, you can do so remotely. A notary is present at the time online, not physically with you, and that notary is then able to confirm and validate that you executed the documents without any duress or coercion.
There is a caveat, however, and that is that while remote online notarization, in theory, should work all over the world, it really is more of a domestic service for people within the United States. It is difficult for the technology, at this stage, to validate foreign credentials.
Appraisals and home inspections are other aspects of residential real estate closings are evolving during this pandemic. The Federal Housing Finance Agency is allowing alternative appraisal methods such as “drive by” appraisals where appraisers drive through the neighborhood and walk around a property without going into it. They are also doing “desktop” appraisals using public data to generate property values.
The loan process will likely take longer than in the past and I am encouraging my buyers to agree to no less than a 60 days closing if a loan is needed. You need to take this into consideration with your home buying timeline if you need to close on a property by a certain date.
Moving during a Pandemic
 I recently published an entire BLOG article on this subject which you can read here along with other articles that you may find informative.

Guidance for Moving During COVID-19

Moving with COVID-19

The novel coronavirus (COVID-19) has put a stop to the normal routines of everyday life both in the U.S. and abroad. And while social distancing is the course of action to take until told otherwise, moves aren’t always something that can wait. Real estate is considered an essential service in all states and there are many services providers to assist you in facilitating a move to a new home.

By taking extra safety precautions and minimizing social contact, you can still move safely.  If you are about to move, you can still pull it off with a little extra planning and a few precautionary steps.

Here are some tips for making your move as safe, seamless and stress-free as possible.

Moving Companies:

There have not been any notable shutdowns of service among major moving companies. That being said, decisions about closures may be left to individual franchise owners. If you have already scheduled your move and haven’t heard anything, assume that your moving company is still providing services unless told otherwise, but still call just to confirm.

If you’re worried about moving during a pandemic for a move that is still upcoming and for which you haven’t scheduled movers, it’s hard to say what will and will not be available in the months to come. For now, continue to do research on companies and ask directly what steps are being taken when you reach out. What has changed at this point is largely going to be related to the customer experience itself, including frequent hand washing among movers and no physical contact between movers and clients.

If you need to select a moving company, ask for a virtual quote and see if the company offers fully contactless service.  Forgo handshakes, for obvious reasons. A smile and a generous tip (sent through Venmo, PayPal or another contactless digital platform) are a welcome substitute. These companies have virtual estimate procedures available for competitive quotes

Moving companies are taking the coronavirus pandemic very seriously. To that end, companies across the country have put into place protocols designed to protect their employees and their customers. These include:

  • Following federal and local guidelines around social distancing and sanitization
  • Conducting virtual surveys instead of in-home surveys to provide estimates
  • Frequently sanitizing trucks and equipment
  • Practicing social distancing with customers and, as much as possible, among moving teams
  • Wearing masks and gloves
  • Keeping trucks stocked with hand sanitizer

All of these practices help ensure that moving services can remain available in a safe way.

Car shipping companies open during COVID-19 outbreak

Company Status Additional info
AmeriFreight Open Learn more
Montway Auto Transport Open Learn more
Sherpa Auto Transport Open Learn more
Ship a Car Direct Open Learn more
uShip Open Learn more

Interstate moving companies open during COVID-19 outbreak

Company Status Additional info
Allied Van Lines Open Learn more
American Van Lines Open Learn more
Expedia Van Lines Open Learn more
First National Van Lines Open Learn more
International Van Lines Open Learn more
Interstate Moving & Relocation Group Open Learn more
North American Van Lines Open Learn more
PODS Open Learn more
Silver Star Moving Group Open Learn more
United Van Lines Open Learn more

 

Storage Services

Same as moving companies, major storage companies continue to run operations. What you might be able to expect however is limited hours of accessibility and/or a reduction in the number of customers who are able to access their units at any one time. Storage companies should also be following proper hygiene practices, including sanitization of access pads and the requisite six feet or more of space between customer and customer and customer and employee.

Storage companies open during COVID-19 outbreak

Company Status Additional info
CubeSmart Open Learn more
Extra Space Storage Open Learn more
Public Storage Open Learn more

 

What If I’m Moving By Myself?

The process of a DIY move looks pretty much the same now as it did before COVID-19, minus the ability to have a couple friends come over and lend a hand in exchange for pizza. Some additional things that you will want to do however include keeping hand sanitizer, soap, and paper towels accessible at all times, we well as making a detailed plan for both your departure and arrival.

Major rental truck companies continue to be in service, as they are considered essential for transportation and personal mobility needs. Again, what may be different is the experience, since companies like Enterprise and U-Haul have put into place their own protocols for physical distancing. This means that your pick-up and drop-off location may not be at the branch office, and that you’ll have to make your reservation online or over the phone instead of in person.

If you rent, talk to your current landlord about how you can safely drop off keys and collect your security deposit, and talk to your new landlord about the process for a safe move in. Putting in a blueprint of steps ahead of time will help you maintain social distancing during your DIY move and answer any questions you might have about the process.

Truck rental companies open during COVID-19 outbreak

Company Status Additional info
Budget Open Learn more
Enterprise Open Learn more
Penske Open Learn more
The Home Depot Open Learn more
U-Haul Open Learn more

 

How to Prepare For Your Move

One silver lining is that social distancing means that you might have more time to devote to organizing your home prior to your move and getting rid of the things you no longer want or need. If you plan on donating items like clothing, linens, furniture, shelf stable non-perishables, etc., call the place that you would like to donate to ahead of time and see what their policies are. While many people are in need during this time, it’s likely not going be quite as easy as just driving to your nearest donation center and dropping stuff of (but that doesn’t mean you shouldn’t do it).

Junk removal companies open during COVID-19 outbreak

Company Status Additional info
1-800-GOT-JUNK Open Learn more
College Hunks Hauling Junk Open Learn more
LoadUp Open Learn more
Waste Management Dumpster Rentals Open Learn more

 

 

To prepare for a move amidst COVID-19, be sure to keep the following steps in mind:

Contact your movers

This is important to confirm your reservation and discuss best practices for moving day. Moving companies are putting in lots of safeguards to help protect their clients, and it helps to be on the same page as them in terms of what is expected.

Buy all of your supplies at once

You are going to want to get it right with just one trip to the store, so make sure you know exactly what you’re going to need for your move. Don’t use free or recycled moving boxes. The coronavirus can live on cardboard for as long as 24 hours, so now is not the time to be picking up free moving supplies from places that are recycling them. Boxes that you already have in your home are fine, but if you need any extras then you’ll need to go to the store and buy them new (even better if you can then purchase them through self-checkout). Better yet, order all your moving supplies online and have them shipped to your residence.  Clean as you pack.  Use this opportunity to sanitize your belongings, wiping items down with disinfectant. If you don’t have any, you can make one with a solution of one tablespoon bleach to one gallon of water.

Finish packing at least 24 hours before the movers arrive

Coronavirus can last a long time on surfaces, including up to 24 hours on cardboard boxes. Your movers will be wearing gloves, but for everyone’s safety you should still have your boxes packed and sitting untouched at least a day before your movers arrive.

Provide hygiene products for your movers. 

To aid your movers in following necessary hygiene practices, be sure to leave out products that they can use while they transport your items to and from the moving truck.  That includes soap and paper towels by the sink, and hand sanitizer by the door that they’ll be entering and exiting through. If you’re concerned about having enough supplies, let your moving company know so they can be sure to bring them along for use during the move.

Be transparent and flexible

In advance of your move, reach out to your neighbors — especially if you live in an apartment building — and share the date and time you plan to move. This gives everyone in your direct vicinity an opportunity to avoid unnecessary contact and let you know if your timing is a problem.

When you move into a new home, deep clean it

Be sure to deep clean and sanitize your new home before you move into it. Here are a few resources and tips to help:

CDC’s recommendations on how to clean and sanitize your home

  • Use disinfectant wipes for quick cleanings over the most high-touch areas – doorknobs, sinks, cabinet pulls, refrigerators, etc.
  • Use disinfectant sprays for areas that can’t be wiped clean. You can use Lysol, for example, on your couches and mattresses which will touch many surfaces during a move (the ground, the inside of a truck, etc.).
  • Use this CDC bleach mixture recommendation on your new tile floors. Use a disinfecting wet mop cloth on your hardwood floors As you unpack, be sure to also disinfect your computer and accessories (keyboards can get pretty gross – here’s how to clean them), your television remote controls, credit cards, wallet, and more.

If you have an extra minute, here are some additional things to consider 

  • Prioritize your internet setup. Scheduling an internet installation date at your new home is critical for staying connected to friends and family. There are 1-2 hour call wait times at cable and internet providers right now, as more and more people call to increase speeds and bandwidth. You can’t bank on getting an appointment as easily as you have in the past. Additionally, consider a high bandwidth plan to account for changes in working from home, video calls, multi-device streaming, etc.
  • Stocking your kitchen full of groceries will feel a bit different this time around. Try Shipt or Instacart, or delivery options from your local grocery store.

Additional resources:

Moving is stressful under the best of circumstances; this is a scary time and certainly takes moving stress to the next level.  With some planning and organization, you can relocate and stay safe even in an environment with a pandemic.

How To Clean Reusable Shopping Bags

Shopping Bags
Shopping BagsWe are all being more cautious these days, but it’s always been important to take good care of the bags you use to carry your food.
As we step up our hygiene routines with more frequent hand-washing and cleaning, it’s making us start to question the cleanliness of everything. Yes, including our reusable shopping bags. And while we probably should have been regularly washing our reusable grocery bags all along, it’s certainly not too late to start.
If you’re transporting raw meat, seafood, and vegetables in your reusable shopping bags and have never washed them before, you run the risk of inadvertently cross-contaminating your groceries. Do use the plastic bags provided at the grocery store for produce and meats before placing inside your bags.
Luckily, the solution is easy: just start washing your reusable shopping bags, according to the instructions below. Then, check to make sure you’re following the dos and don’ts of reusable bag storage.
Get in the habit of cleaning your bags after every shopping trip. Here are some tips:
What You’ll Need:
·   Laundry detergent
·   Disinfecting wipes or sprays
·   Cleaning cloths or paper towels
How to wash cotton reusable bags:
The good news is that most reusable cotton and canvas shopping bags are machine-washable, just check the care label to make sure. Remove any inserts and turn bags inside out. (Clean inserts with a disinfecting spray cleaner.) Use the hottest water setting possible, along with detergent.
If you can, toss the bags in the dryer. Note: this may shrink some cotton bags slightly. Alternatively, line-dry the bag in an area with good ventilation to prevent the growth of mold and mildew.
How to wash nylon reusable bags:
1Hand wash the bag in warm, soapy water, making sure to get into the corners and crevices. You can also machine-wash the bag, but be sure to use the gentle cycle.
Line-dry the bag in an area with proper ventilation to prevent the growth of mold.
How to wash recycled plastic bags (polypropylene bags):
You probably have a stash of these exceptionally sturdy bags from Trader Joe’s and the like. Wash them by hand using warm, soapy water, and then line dry them completely before storing them away. You can also dry them with a clean towel to speed up the process.
Alternatively, wipe down the bags with disinfecting wipes and allow them to dry. You may want to turn the bag inside-out to get into the corners and remove any crumbs or grime.
The dos and don’ts of storing reusable shopping bags
·   Don’t store the bags in the trunk of your car. This dark, damp storage spot may encourage bacteria growth.
·   Do designate one specific bag for carrying raw meat. This will help prevent cross-contamination. Then, wash that bag after every use.
·   Don’t store away bags that are damp. Make sure they’re completely dry first.
·   Do a sniff test. Musty-smelling bags are a sign they should be cleaned.
·   Don’t store other items, like gym clothes or sports gear, in bags used for groceries.

COVID-19 South Florida Resources

Quick Facts

If you live in Broward County, you can call this hotline to have your questions answered: 954-357-9500.

If you live in Palm Beach County, you can call this information line with your questions: 561-712-6400.

The Sun Sentinel posted drive-through testing sites in South Florida here.

Please be aware of financial scams. You can learn more and report them here.

Tele-Health

Medicare: Medicare has temporarily expanded its coverage of telehealth services to respond to the current Public Health Emergency. Learn more here.

Florida Blue: Florida Blue’s network of primary care doctors and specialists will be able to treat patients virtually at their normal office visit rates. Visit the Florida Blue website, the Florida Blue app, the Teladoc app, or by calling Teladoc directly at 800-835-2362.

Baptist Health: Baptist Health is offering telehealth services through its Care on Demand platform. If you or someone you know has cold or flu-like symptoms, visit here using code CARE19.

Cleveland Clinic: Cleveland Clinic Florida is encouraging the use of its Express Care Online Virtual Care services as much as possible during the outbreak. Click here for more information.

Cigna: Cigna is offering COVID-19 specific resources for enrollees. Click here for more.

Humana: Humana has agreed to waive telemedicine costs for all urgent care needs for the next 90 days. This will apply to Humana’s Medicare Advantage, Medicaid, and commercial employer-sponsored plans and is limited to in-network providers delivering synchronous virtual care. More information here.

COVID-19 Public Website and Call Center

Please visit the Florida Department of Health’s dedicated COVID-19 webpage for information and guidance regarding COVID-19 in Florida.

For any other questions related to COVID-19 in Florida, please contact the DOH’s dedicated COVID-19 Call Center by calling 1-(866) 779-6121. The Call Center is available 24 hours a day. Inquiries may also be emailed to COVID-19@flhealth.gov.

County Health Departments

If you’re concerned that you may have contracted the coronavirus, please contact your healthcare professional or county health department:

Broward County: 954-467-4700
Palm Beach County: 561-840-4500 
Miami-Dade County
: 305-324-2400

Additional Resources 

Bank Regulators have also instructed banks and servicers to be proactive in extending help to homeowners:

Banks have posted their own policies and ways for consumers to contact them for assistance:

Consumer Financial Protection Bureau (CFPB)

Protect Your Credit: The CFPB is urging consumers to protect their credit(link is external) during this pandemic.
Protect Yourself Financially: The CFPB has a number of resources(link is external) focused on financial protection, both short and long term, such as paying bills, income loss, and scam targeting.  Resources include contacts for housing and credit counselors, debt collectors, and state unemployment services.

Department of Labor (DOL)

DOL has provided resources for employers and workers(link is external) in responding to COVID-19 and including the impact on wages and hours worked and protected leave (these resources are primarily for businesses and employers).

Environmental Protection Agency (EPA)

Americans can continue to use and drink water from their tap as usual. EPA has provided important information about COVID-19(link is external) as it relates to drinking water and wastewater to provide clarity to the public. The COVID-19 virus has not been detected in drinking-water supplies. Based on current evidence, the risk to water supplies is low.

Federal Housing Administration (FHA)

Immediate Foreclosure and Evictions Relief for Homeowners for the Next 60 Days

The U.S. Department of Housing and Urban Development (HUD) has authorized the FHA to implement an immediate foreclosure and eviction moratorium(link is external) for single family homeowners with FHA-insured mortgages for the next 60 days. Read the full press release(link is external).

FHA Q&A Form

FHA continues to run single family business operations. FHA has created a Q&A form available on their website to keep interested parties updated on their procedures during the COVID-19 crisis. Please refer to https://www.hud.gov/program_offices/housing/sfh(link is external)  for the most current information.

Federal Housing Finance Agency (FHFA)

FHFA has instructed Fannie Mae, Freddie Mac and their servicers to be proactive in providing assistance to homeowners including forbearance. In addition, FHFA imposed a moratorium on eviction and foreclosures on mortgages backed by the GSEs:

Fannie Mae and Freddie Mac

Fannie Mae and Freddie Mac have issued similar guidance:

  • Homeowners who are adversely impacted by this national emergency may request mortgage assistance by contacting their mortgage servicer
  • Foreclosure sales and evictions of borrowers are suspended for 60 days
  • Homeowners impacted by this national emergency are eligible for a forbearance plan to reduce or suspend their mortgage payments for up to 12 months
  • Credit bureau reporting of past due payments of borrowers in a forbearance plan as a result of hardships attributable to this national emergency is suspended
  • Homeowners in a forbearance plan will not incur late fees
  • After forbearance, a servicer must work with the borrower on a permanent plan to help maintain or reduce monthly payment amounts as necessary, including a loan modification

Fannie and Freddie have also created pages with additional information:

Internal Revenue Service (IRS)

The IRS has also created a Coronavirus Tax Relief section(link is external) on their website with updated information for taxpayers and businesses (these resources are for businesses and not specifically for consumers).

How to Keep Your Home Virus-Free

Coronavirus Safety

Coronavirus Safety

For many people, staying safe from the new coronavirus means staying home. But infectious germs can live in your house, too.

Although the CDC has not found evidence of surface-to-person transmission to date (which is good news!), the virus may live on surfaces for hours to days, making regular cleaning and disinfecting a wise practice during this time.

To minimize the risk of getting sick, the Centers for Disease Control and Prevention recommend taking action to disinfect high-touch surfaces, such as countertops, doorknobs, cellphones and toilet flush handles, since some pathogens can live on surfaces for several hours.

Here are some other tips for staying safe at home:

The CDC recommends washing hands vigorously with soap and water for at least 20 seconds. As a backup, use hand sanitizers that are at least 60% alcohol.

The Environmental Protection Agency recently released a list of approved disinfectants to kill coronavirus. For surface cleaning, look for products such as wipes, sprays and concentrates that say “disinfectant” on the label and include an EPA registration number. These are required to meet government specifications for safety and effectiveness.  For a homemade disinfectant, the CDC recommends mixing a quarter-cup of household chlorine bleach with one gallon of cool water.

After disinfecting food-prep surfaces such as cutting boards and countertops, rinse them with water before use.

For laundry, use detergent and bleach (for white loads) or peroxide or color-safe bleach (for colors) to kill germs. (Be sure to read clothing labels to avoid damaging garments.) To boost the effect, some washing machines have sanitize or steam settings that kill germs. Drying laundry on the dryer’s hot cycle for 45 minutes also is effective.

If possible, operate dishwashers on the sanitizing cycle. Machines certified by NSF International, formerly known as the National Sanitation Foundation, must reach a final rinse temperature of 150 degrees and achieve a minimum 99.999% reduction of bacteria when operated on that cycle.

Household air purifiers and filters that advertise the ability to kill or capture viruses can be useful but shouldn’t be a substitute for cleaning. Some purifiers use ultraviolet light, which has been shown to have germicidal effects, but their overall effectiveness can vary depending on their design, according to a 2018 technical summary of residential air cleaners by the EPA. While some filters advertise the ability to capture things like viruses, smoke and common allergens, they don’t necessarily kill microorganisms

Upgrade Hand-Washing Stations

Stock up every sink in the house to make hand-washing easier and more sanitary with:

  • A bottle of liquid hand soap (anti-bacterial soap not needed)
  • Stacks of fresh hand towels and a hamper for dirty towels, or a roll of paper towels and a wastebasket
  • A container of sanitizing wipes for daily cleaning of faucets and counters

Use the Right Products — and Follow Instructions

When it comes to cleaning, regular soap and water is all you need. But for the second step of disinfecting, it’s important to be sure you’re using the right product. Already have rubbing alcohol or bleach in your cupboards? Either one will fight the COVID-19 virus. (A word of caution on using bleach to clean surfaces: It can discolor laminate and may damage the seal on granite and other stone countertops over time.)

  • If surfaces are dirty, remember to clean with soap and water first.
  • To prepare a bleach solution, mix 5 tablespoons (⅓ cup) bleach per gallon of water, or 4 teaspoons bleach per quart of water. Never mix household bleach with ammonia or any other cleaners.
  • If using rubbing alcohol,choose an alcohol solution containing at least 70% alcohol.
  • Check expiration dates. Do not use expired products, as they may not be effective against the COVID-19 virus.
  • Follow label instructions. Clorox has issued specific recommendations for preventing the spread of the COVID-19 virus, including leaving bleach solution on surfaces for five minutes.

Focus on High-Touch Surfaces

Cleaning and sanitizing the entire house would be overwhelming — and probably excessive. Instead, focus on the surfaces that get lots of contact throughout the day. These areas include doorknobs, light switches, tables, remote controls, handles, desks, toilets and sinks. And if you have kids or housemates who play video games, include those video game controllers.

Start a Just-Got-Home Routine

Put your belongings down in one spot, paying attention to what you carried with you throughout the day — likely suspects include your phone, key ring and sunglasses. Wash your hands for 20 seconds, then wipe personal items with an EPA-registered disinfecting wipe and leave to dry. When cleaning electronics, keep liquids away from openings, never submerge devices, and be especially gentle with touchscreens.

Help Kids Follow the Recommendations

If you have kids at home — especially if they’re not so keen on frequent hand-washing — consider one or more of these to make the ritual more fun:

  • Let your child pick out a fragrant hand soap or put hand soap in a colorful container.
  • Tape the verse of a silly song to the mirror so they can sing for the recommended 20 seconds.
  • For younger children, cue up a song to sing along to on your phone.
  • Be sure a sturdy stool is positioned by every sink in the house to make the soap and water accessible.

Do the Laundry, Wash Your Hands

If you have a cloth laundry hamper liner, toss it in the wash when you do the laundry. Wash laundry on the warmest setting your clothes and linens can handle, and avoid shaking dirty laundry, which can spread virus through the air. And when you’re done handling dirty clothes and towels, be sure to wash your hands.