1) North Carolina General Statutes §45-36.9 requires that you must submit a satisfaction instrument to the. The NC SAFE Act requires licensure or registration for individuals and companies who engage in the mortgage business or process and underwrite mortgage loans.Payoff and short‑pay statements; request and content. (a). The period of suspension shall continue through and including the payoff date stated in the credit suspension directive. Mortgage lenders might request a letter of explanation for various red flags that come up in underwriting. Learn how to write one, and download a template. Learn how the North Carolina foreclosure process works, including preforeclosure steps, foreclosure procedures, and homeowner rights . Your account number is provided with the loan details in the welcome letter that you receive in the mail after your new loan is funded. The PNC Mortgage Bi-Weekly Automated Payment Program helps you pay off your mortgage loan faster and reduce interest payments. Agency— The North Carolina Housing Finance Agency.