Due to severe winter storms, straight-line winds, flooding, landslides and mudslides in California, FEMA has declared the following counties a disaster. Updated counties are listed in bold.
Incident Period: February 21, 2023 and Continuing
State | FEMA Disaster Declaration | Counties |
California | 4/4/2023 | Kern, Madera, Mariposa, Mendocino, Mono, Monterey, San Benito, San Bernardino, Santa Cruz, Tulare and Tuolumne |
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 | Yes | If the original appraisal inspection date was prior to the Incident Period End Date – Continuing*. |
VA IRRRL | Yes | If the loan was not closed (signed) prior to the Incident Period Begin Date – 02/21/23. |
USDA Full Doc and Streamline Assist | Yes | If the original appraisal inspection date was prior to the Incident Period End Date – Continuing*. |
Conventional | Yes | If the original appraisal inspection date was prior to the Incident Period End Date – Continuing*. |
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.
Please contact your Account Executive or Account Manager with any questions.
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