Due to damage from the severe winter storms in Texas, FEMA has declared the following counties a disaster.
Incident Period: February 11, 2021 and continuing
|State||FEMA Disaster Declaration||Counties|
|Texas||February 19, 2021||Angelina, Aransas, Bastrop, Bee, Bell, Bexar, Blanco, Brazoria, Brazos, Brown, Burleson, Caldwell, Calhoun, Cameron, Chambers, Collin, Comal, Comanche, Cooke, Coryell, Dallas, DeWitt, Denton, Ellis, Falls, Fort Bend, Galveston, Gillespie, Grimes, Guadalupe, Hardin, Harris, Hays, Henderson, Hidalgo, Hood, Jasper, Jefferson, Johnson, Kaufman, Kendall, Lavaca, Liberty, Madison, Matagorda, Maverick, McLennan, Montague, Montgomery, Nacogdoches, Nueces, Orange, Palo Pinto, Panola, Parker, Polk, Rockwall, Sabine, San Jacinto, San Patricio, Scurry, Shelby, Smith, Stephens, Tarrant, Travis, Tyler, Upshur, Van Zandt, Victoria, Walker, Waller, Wharton, Wichita, Williamson, Wilson and Wise|
Re-Inspection by Product Type
|If your loan is …||A re-inspection is required …||Under these circumstances …|
|FHA Full Doc||Yes||If the original appraisal inspection date was prior to the Incident Period End Date – Continuing*.|
|FHA Streamline||No||Not applicable|
|VA Full Doc and IRRRL||Yes||If the loan was not closed (signed) prior to the Declaration Date of 02/19/21.|
|USDA Full Doc and Streamline Assist||Yes||If the original appraisal inspection date was prior to the Incident Period End Date – Continuing*.|
|Conventional** and Non-Agency||Yes||If the original appraisal inspection date was prior to the Incident Period End Date – Continuing*.|
*In cases where FEMA has not yet issued an Incident End Date and the disaster is “Continuing”, the earliest CMS will permit a re-inspection is a minimum of 14 calendar days from the Incident Period Start Date.
**If an appraisal was not required due to a property inspection waiver (PIW), an inspection report will still be required.
For further guidance and loan property requirements refer to the Declared Disaster Policy published on carringtoncorrespondent.com.
Please contact CorrespondentRM@carringtonms.com with any questions.
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Contact your Account Executive with questions.
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