Due to California wildfires, FEMA has declared the following counties a disaster. Updated counties are shown in bold.
Incident Period: August 14, 2020 – Continuing
|State||FEMA Disaster Declaration||Counties|
|California||August 22, 2020||Butte, Lake, Lassen, Mendocino, Monterey, Napa, San Mateo, Santa Clara, Santa Cruz, Solano, Sonoma, Stanislaus, Trinity, Tulare and Yolo|
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 08/22/2020.|
|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**.|
*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.
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Government Agency Approval | FHA Non-Supervised Mortgage Approval #: 24751-0000-5 | VA Automatic Lender Approval #: 902324-00-00