Due to damage from Hurricane Ida in Louisiana, FEMA has declared the following parishes (counties) a disaster.
Incident Period: August 26, 2021 and Continuing
|State||FEMA Disaster Declaration||Parishes|
|Louisiana||August 29, 2021||Ascension, Assumption, East Baton Rouge, East Feliciana, Iberia, Iberville, Jefferson, Lafourche, Livingston, Orleans, Plaquemines, Pointe Coupee, St. Bernard, St. Charles,
St. Helena, St. James, St. John the Baptist, St. Martin,
St. Mary, St. Tammany, Tangipahoa, Terrebonne, Washington, West Baton Rouge and West Feliciana
|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 8/29/21.|
|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**.|
*If an appraisal was not required due to a property inspection waiver (PIW), an inspection report will still be required.
**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.
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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