Due to severe storms, straight-line winds, flooding, and tornadoes in Kentucky, FEMA has declared the following counties a disaster. Updated counties are shown in bold.
Incident Period: December 10, 2021 and continuing
|State||FEMA Disaster Declaration||Counties|
|Kentucky||December 12, 2021||Caldwell, Christian, Fulton, Graves, Hart, Hickman, Hopkins, Logan, Lyon, Marshall, Muhlenberg, Ohio, Taylor, and Warren|
|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 12/12/2021.|
|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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