Disciplinary Actions

ALLISON & WHITE PROPERTY MANAGEMENT & REALTY LLC (HICKORY)- By Consent, the Commission suspended the broker license of Allison & White Property Management & Realty LLC for a period of 6 months, effective March 1, 2026. The Commission then stayed the suspension in its entirety upon certain conditions. The Commission found that Allison & White Property Management & Realty failed to deposit a pre-paid rent check into their trust account within three (3) banking days and failed to enter the payment on the tenant ledger. Instead, the pre-paid rent was deposited into Allison & White Property Management & Realty’s general operating account. When management transferred, Allison & White Property Management & Realty failed to remit the pre-paid rent to the new management company, causing the tenant’s rent to be late. The tenant accrued late fees and attorney’s fees as a result of Allison & White Property Management & Realty’s failure to timely deposit her check and properly account for the receipt of her pre-paid rent.

VICTORIA DAVIS (BURLINGTON)- By Consent, the Commission suspended the broker license of Davis for a period of 12 months and withdrew Davis’s education provider and instructor approval with no right to reapply for 3 years, effective February 1, 2026. The Commission then stayed the license suspension in its entirety upon certain conditions. The Commission found that after Davis’s pre-licensing student failed an end of course exam for the third time, Davis agreed to pass the student anyway but requested they wait 30 days to take the State exam. Davis reported the student as passing the course but did not issue them a course completion certificate. The student took the State exam within 30 days and failed. Davis texted the student using unprofessional language and admitted that they requested the student delay the State exam to protect Davis’s pass rate.

EQUITY NORTH CAROLINA REAL ESTATE LLC (MATTHEWS)- By Consent, the Commission reprimanded Equity North Carolina Real Estate LLC, effective February 18, 2026.  The Commission found that Equity North Carolina Real Estate LLC was hired to manage rental properties on behalf of its owner-client. Equity North Carolina Real Estate LLC’s qualifying broker, who is also the designated broker-in-charge, allowed a tenant to move into one of the rentals without executing a lease agreement. The tenant sent the security deposit and rent to Equity North Carolina Real Estate LLC, which were not disbursed for a period of six (6) months. After the owner-client terminated the property management agreement, the security deposits and rents were provided to the owner-client.

AMY GARCIA (OAK ISLAND)- The Commission accepted the permanent voluntary surrender of the real estate license of Garcia, effective February 18, 2026. The Commission dismissed without prejudice allegations that Garcia violated provisions of the Real Estate License Law and Commission Rules. Garcia neither admitted nor denied misconduct.

PAMELA LOWDER (WINSTON SALEM)- By Consent, the Commission suspended the broker license of Lowder for a period of 12 months, effectiveFebruary 15, 2026. The Commission then stayed the suspension in its entirety upon certain conditions. The Commission found that Lowder listed residential property for sale and provided their seller-client a Residential Property and Owners Association Disclosure Statement (“RPOADS”) to fill out. The seller answered both “No” and “No Representation” to every question on the form but Lowder failed to instruct the seller on correcting the form. Lowder received copies of a home inspection report and elevated radon report from a buyer who later terminated the contract for unrelated reasons. Lowder failed to have the seller update the RPOAds prior to the second transaction and failed to provide copies or otherwise disclose material issues from the home inspection and radon report to two subsequent buyers.

LOWDER PROPERTY MANAGEMENT LLC (WINSTON SALEM)- By Consent, the Commission suspended the broker license of Lowder Property Management LLC for a period of 12 months, effectiveFebruary 15, 2026. The Commission then stayed the suspension in its entirety upon certain conditions. The Commission found that Lowder Property Management LLC listed residential property for sale and provided their seller-client a Residential Property and Owners Association Disclosure Statement (“RPOADS”) to fill out. The seller answered both “No” and “No Representation” to every question on the form but the listing agent failed to instruct the seller on correcting the form. The listing agent received copies of a home inspection report and elevated radon report from a buyer who later terminated the contract for unrelated reasons. The listing agent failed to have the seller update the RPOAds prior to the second transaction and failed to provide copies or otherwise disclose material issues from the home inspection and radon report to two subsequent buyers.

SALTY CAROLINA VIBES REALTY (OAK ISLAND)- The Commission accepted the permanent voluntary surrender of the real estate license of Salty Carolina Vibes Realty, effective February 18, 2026. The Commission dismissed without prejudice allegations that Salty Carolina Vibes Realty violated provisions of the Real Estate License Law and Commission Rules. Salty Carolina Vibes Realty neither admitted nor denied misconduct.

RENUKA TUMMALA (NEW HILL)- The Commission accepted the permanent voluntary surrender of the real estate license of Tummala, effective February 18, 2026. The Commission dismissed without prejudice allegations that Tummala violated provisions of the Real Estate License Law and Commission Rules. Tummala neither admitted nor denied misconduct.

MELISSA VALLE QUINTERO (RALEIGH)- By Consent, the Commission reprimanded Valle Quintero effective March 1, 2026.  The Commission found that Valle Quintero represented a buyer client in the purchase of a residential property that included a mobile home with an apartment above a garage. Before submitting the buyer client’s offer, Valle Quintero learned from the listing agent that the apartment space was unpermitted. Valle Quintero informed her buyer client that the space was unpermitted and not considered livable but did not further explain the potential resale implications of unpermitted space. Valle Quintero informed the buyer client that unpermitted additions may not be to code but failed to discuss further risks. Valle Quintero also failed to verify whether the property was located on a public or private street, instead relying on information from the listing.

FRANK VERDI II (GIBSONVILLE)- By Consent, the Commission suspended the broker license of Verdi for a period of 12 months, effective January 5, 2026.  The Commission then stayed the suspension following a one-month active period upon certain conditions. The Commission found that Verdi entered into an Alford plea on the felony charges of uttering a forged instrument and obtaining property by false pretenses. Verdi maintained that the seller of a home gave him a blank check for the installation of hardwood floors and asked him to fill it out. Verdi made the blank check payable to himself for $ 1,650, signed his own name on the check, cashed the check, and paid the flooring vendor in cash.

PAMELA WHITE (HICKORY)- By Consent, the Commission suspended the broker license of White for a period of 6 months, effective March 1, 2026. The Commission then stayed the suspension in its entirety upon certain conditions. The Commission found that as broker-in-charge for Allison & White Property Management & Realty, White failed, within a reasonable period of time, to account for and to remit money coming into White’s possession which belonged to others. White failed to deposit a pre-paid rent payment within three (3) banking days and failed to remit those funds upon transfer of management to either the owner or the new management company. White deposited the rent check more than three (3) months after receipt, and the check was deposited into Allison & White Property Management & Realty’s operating account and not a trust account.

TYLER WILCOX (MAIDEN)- By Consent, the Commission suspended the broker license of Wilcox for a period of 6 months, effective March 1, 2026. The Commission then stayed the suspension in its entirety upon certain conditions. The Commission found that Wilcox acted as the listing agent for a residential property, which went under contract with a buyer. The buyer terminated after the wood-destroying insect report (“WDIR”) revealed termite damage, and the home inspection discovered extensive termite damage and evidence of a prior fire. The home inspection revealed more extensive termite damage than the WDIR detailed. Wilcox received a copy of the buyer’s home inspection report and WDIR from the buyer’s agent. Wilcox shared the WDIR with potential buyers; however, Wilcox failed to disclose the extent of the termite damage and prior fire to the subsequent buyer before an offer was made.

JERRY WOJENSKI (HUNTERSVILLE)- By Consent, the Commission suspended the broker license of Wojenski for a period of 12 months, effective December 17, 2025. The Commission then stayed the suspension following a two-month active period upon certain conditions. The Commission found that Wojenski, while the Qualifying Broker and Broker-in-Charge of NDG Student Living LLC, a licensed real estate firm, accepted payments from tenants without maintaining a trust account or following any trust accounting rules, offered a referral fee to non-licensed tenants, and failed to have the required anti-discrimination language in his property management agreement.

January Fair Housing Correction

In January’s Fair Housing Bulletin article, we discussed some of the key differences between service animals and emotional support animals. The article contained an error in the information related to emotional support animals.  We apologize for any confusion this may have caused. Here is the link to the revised article: NCREC Bulletins.

February Fair Housing Article

Fair housing compliance isn’t just about avoiding blatant discrimination. Many violations happen unintentionally—through everyday habits, outdated practices, or even well-meaning attempts to “help”. The Fair Housing Act (FHA) protects people from discrimination based on race, color, national origin, religion, sex, familial status, and disability. It’s essential that real estate professionals consider how their words or actions affect these protected classes and take the necessary precautions to avoid fair housing violations.

Highlighted below are a few areas that can cause unintentional trouble: advertising, steering, and screening. Each one seems harmless on the surface, but the consequences can be serious.

Advertising

The words used in ads—online, on flyers, or even in social media posts—can unintentionally signal preference for or against certain groups. The law doesn’t require intent to discriminate; the effect of the language is what matters. Some problematic phrases commonly used include, but are not limited to:

• “Perfect for singles or young professionals”- suggests families with children aren’t welcome.
• “Quiet Christian neighborhood”- implies a religious preference.
• “No kids” or “Adults only”- directly violates protections for families with children.
• “Ideal for women” or “female preferred.” Unless it’s a shared living situation with a common bathroom, this may be discriminatory.
• “English speakers only”- can be considered national origin discrimination.

Even subtle wording can discourage protected groups from applying. Fair housing enforcement agencies often review ads for these cues, and complaints can arise simply from the language used. Good advertising practices focus on the property and highlight or describe its features, amenities, and policies in a neutral manner.

Steering

Steering is the practice of intentionally or unintentionally guiding people toward or away from certain units, buildings, or neighborhoods based on protected characteristics. Some problematic practices commonly used include, but are not limited to:

• telling people they might feel more comfortable in a different neighborhood,
• directing people toward or away from certain neighborhoods or buildings based on protected characteristics, and/or
• providing tours of certain properties only to specific groups, or withholding options from others based on protected characteristics.

Even if you believe you’re being helpful, making assumptions may limit a person’s choices and violate fair housing laws. You should present all available properties that meet the needs of the buyer/tenant, communicating information neutrally.

Screening

Screening is most commonly used in the property management space and is the process landlords and property managers use to evaluate rental applicants before offering a lease. Some best practices to implement in your tenant screening process include, but are not limited to:

• create a written policy, which is reviewed and updated regularly, that is uniformly applied,
• treat every applicant the same from start to finish; consistency is your best protection,
• stick to the facts, not personal impressions, or opinions,
• always be neutral,
• document everything ,
• conduct regular staff training, and
• when in doubt, seek legal counsel.

Tech Corner

Your online presence is often the first impression you make before a phone call or in-person meeting. Protecting your digital footprint isn’t just about privacy; it’s about professionalism, trust, and consumer confidence. Here are a few key strategies to help you manage your online reputation while maintaining compliance and credibility.

1. Vet Your Social Media

Take time to review all your social media profiles, including posts from years ago. Tastes, humor, and personal opinions change over time, and something you shared years back could now send the wrong message to potential clients.

Ask yourself:

• Does this post reflect the professional I am today?
• Could this be misinterpreted by clients or the public?

If the answer is no, or if you’re unsure, consider deleting, archiving, or adjusting your privacy settings.

2. Keep Business and Personal Separate

Using a business account for personal use (or vice versa) can blur the lines between your personal life and professional responsibilities. This crossover can lead to compliance challenges and unwanted visibility into your private activities.
Best practice:

• Maintain separate accounts for business and personal use.
• Use your business account strictly for real estate content and client communications.
• Limit who can post tagged content, photos, or comments that appear on your business page.

3. Search Yourself, What Do Others See?

Here’s a simple but powerful habit: Google your name regularly.
When you type your name into a search engine:

• What appears on the first page?
• Are your profiles professional and consistent?
• Do the images and public posts represent the agent you want clients to see?

If these search results don’t align with the reputation you want to build, take action. Update your profiles, remove outdated content, and use titles, photos, and bios that reflect your current professional brand.

4. Think Before You Post

Every comment, photo, or share contributes to your digital footprint. Before posting anything online:

• ask whether the content supports your professional image,
• consider how it might be interpreted by clients, prospects, or colleagues, and
• remember, even deleted content can sometimes be archived or screenshotted.

Importantly, Rule 58A .0120(d) prohibits a broker from conducting brokerage activities or promoting their status as a real estate broker in any manner that discriminates based on race, color, religion, national origin, sex, familial status, or disability. Seemingly casual posts, memes, or comments, especially when tied to your professional identity, can unintentionally raise fair housing concerns.

Regulatory Affairs

Stick Built vs. Modular and Manufactured Homes vs. Personal Property: What’s the Difference?

A stick-built or sometimes called a site-built home is constructed piece-by-piece on the land where it will stand permanently.  This type of construction requires a general contractor to oversee the building process. It uses wood framing or wood lumber for the structure. The foundation is built first, then framing, walls, roof and finishes respectively.  This is the most common and traditional method for building a home. The benefit of constructing a stick-built home is that a homeowner can personalize every aspect and can monitor the construction. In addition, the buyer can more easily secure conventional, FHA, VA or USDA financing.

Modular home construction is gaining popularity, so it is important to understand what it is. According to the International Association of Certified Home Inspectors, stick-built homes are not necessarily better than modular homes, despite the stigma sometimes associated with their assembly-line origin. 

Modular homes are residences constructed entirely in factories and transported to their permanent site on flatbed trucks. They are built under controlled conditions and must meet strict quality control requirements before they are delivered. Weather conditions typically do not cause delays in construction and therefore, modular homes may be built more quickly than stick-built homes. They arrive in segments and are assembled, using cranes, into homes that are almost indistinguishable from stick-built. Like stick-built homes, modular homes can be easy to finance  once they are on a permanent foundation. However, there may be some lenders who choose not to finance modular homes.

A manufactured home, sometimes referred to as a mobile home or trailer, starts out as personal property. Manufactured homes are also constructed in factories and are formed atop a metal chassis with its own wheels. They are then towed and delivered by a truck to their home site. These homes normally only abide by Federal HUD building codes rather than local building code and aren’t considered a permanent structure. Indeed, manufactured homes typically aren’t considered real property and are titled as personal property the same way a car or boat would be titled. They are less expensive than modular homes and can be moved in the future.

However, manufactured homes can become real property by permanently affixing them to the land and filing specific paperwork with the North Carolina Division of Motor Vehicles. When listing a manufactured home, it is vital that a broker asks questions of the seller and reviews the tax card to determine if the home has become real property.

2026 Spring Educators Conference

Are you an approved instructor, education director, or certified education provider with the Commission? Ready to elevate your real estate education career and chart a course toward new professional horizons?

Fasten your seatbelt and join us at the highly anticipated Educator’s Conference—your direct flight to your education destination, where proven strategies, timely insights, and professional excellence come together for a journey filled with success in real estate education. On this one-day journey, you will:

-gain clarity on course audits and compliance expectations,

-learn about current Prelicensing syllabus and exam updates,

-explore practical strategies to enhance student engagement,

-discover ways to use technology to enhance instruction and streamline the learning experience, and

-network with fellow education professionals.

This is your chance to exchange best practices, and arrive energized and inspired to transform the classroom experience. Clear your calendar for April 2, prepare for departure, and get ready for a first-class professional experience. You can register for the conference on the Commission’s website here.

The promo video (NCREC Spring Educators Video) can be found here:

Reminder: Complete Your CE

Video link: https://youtu.be/kg1gVmN3e4s

Script: Please complete your 8-hour continuing education requirement today. If you complete your courses now, it will help you avoid last minute stress and possible scheduling issues. Most importantly, you will have the most current information on License Law and Commission rules.

To keep your license active, you will need to complete your CE by June 10^th  and renew by June 30^th . If you miss these deadlines, your license will become inactive or expired on July 1^st and you will not be able to practice brokerage activity. The beginning of the year is an ideal time to complete your continuing education.

Reminder: Entity Compliance

When was the last time you verified that your business is in good standing with the North Carolina Secretary of State? Is your real estate firm or education provider entity truly authorized to operate today?

The Commission would like to remind licensed real estate firms and certified education providers that it is very important to keep their business entities active and in good standing with the North Carolina Secretary of State (NCSOS). This is not just a paperwork requirement—it is the law.

Annual Requirements with the NCSOS

All businesses registered with the NCSOS, including corporations, LLCs, and limited partnerships, must meet yearly requirements to stay active. This usually includes filing an annual report and paying required fees by the deadline. The exact requirements may differ depending on the type of business. The Secretary of State’s website explains these obligations in more detail for each type of entity.

What Happens If You Do Not Comply

If a business does not meet these requirements, the NCSOS may dissolve, revoke, or suspend the entity. When this happens, the business is no longer allowed to operate. This means it cannot conduct real estate transactions or offer courses as a certified education provider.

The Commission regularly checks the status of licensed firms and certified education providers with the NCSOS. If your entity is not in good standing, the Commission will require you to fix the issue right away. Even if your firm license or education provider certification is active with the Commission, you cannot legally do business through an entity that is not in good standing with the Secretary of State. Your entity must be reinstated before business can continue. Failure to do so may lead to the cancellation of your firm license or education provider certification.

Beyond Commission action, operating through a dissolved or revoked entity can create serious legal and financial risks. An inactive entity cannot enter into valid contracts, which may put real estate transactions and client agreements at risk. In addition, the legal protections of the business entity may no longer apply, meaning brokers could become personally responsible for debts, penalties, or legal claims.

How to Avoid Business Disruptions

Staying compliant is straightforward. File your annual reports, pay required fees on time, and address any issues as soon as they arise. If your entity becomes inactive, act quickly to reinstate it. The NCSOS website offers an online system to check your status and submit required filings.

Failing to maintain your entity’s status can disrupt your business and lead to serious legal and financial consequences. For more information about annual requirements, visit the North Carolina Secretary of State’s website at www.sosnc.gov.

Nominations Are Open for the Larry A. Outlaw Excellence in Education Award

NCREC is seeking nominations for the Larry A. Outlaw Excellence in Education Award. Every year at the annual Spring Educators Conference the Commission announces the award recipient. This year’s conference is scheduled for April 2, 2026, at the McKimmon Center in Raleigh.

The Commission established the Larry A. Outlaw Excellence in Education Award in 2016 to honor the late former Director of the Education and Licensing Division of the North Carolina Real Estate Commission. Larry A. Outlaw, both an attorney and licensed real estate instructor, served as Director of the Education and Licensing Division for 35 years, from its creation in January 1979 until his retirement February 1, 2014.

The recipient of this award will be a current NC Commission-approved instructor who has demonstrated excellence in real estate education and/or embodies and exemplifies an ongoing contribution to the profession that would honor the award’s eponym. All nominees should demonstrate respect for the award by understanding its purpose, value and prestige. Nominees should act in a way that aligns with the award’s intended meaning, showing appreciation for the recognition and performing in a manner that upholds the award’s reputation.

The Commission is accepting applications from January 22, 2026, through February 20, 2026. If you know of an outstanding North Carolina instructor, please complete the nomination form and submit it via email to Len Elder, Director of Education and Licensing, at len@ncrec.gov.

Nominations MUST be submitted on or before February 20, 2026. Also, If you have any questions please direct them to Len Elder, Director of Education and Licensing, at len@ncrec.gov.

Executive Director Miriam Baer to Retire from the NC Real Estate Commission

The Chair of the North Carolina Real Estate Commission, Bill Aceto, announces the retirement of Executive Director Miriam Baer from the Commission, effective June 30, 2026. The Commission expresses its gratitude to Ms. Baer for her leadership and her dedication to public service.

The Commission has implemented its succession plan to search for a new Executive Director. As part of that plan, the Commission is seeking proposals from an executive search firm.

Baer received her law degree from the UNC School of Law in 1984. She joined the Commission staff in 1987 and served for many years as legal counsel. She was named the Executive Director in April 2010. As the Commission’s Executive Director, Baer oversees the Commission’s licensing, education, and regulatory functions.

Baer has been an active member of the Association of Real Estate License Law Officials throughout her career and served as its 2016 president. While working in the Commission’s legal division, she served on many committees of the NC REALTORS and NC Bar Association’s Real Property Section relating to real estate purchase agreements, agency agreements, and other contracts and disclosures.

Throughout her tenure, she has overseen the modernization of the Commission’s processes with technology to gain efficiency. She has also increased the Commission’s outreach to licensees, consumers, and people interested in entering the real estate profession.