Due to a severe storms, flooding, landslides and mudslides in Kentucky, FEMA has declared the following counties a disaster. Updated counties are listed in bold font.
Incident Period: July 26, 2022 and continuing
State | FEMA Disaster Declaration | Counties |
Kentucky | July 29, 2022 | Breathitt, Clay, Floyd, Knott, Leslie, Letcher, Magoffin, Martin, Owsley, Perry, Pike and Whitley |
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 07/29/22. |
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.
Please contact your Account Executive or Account Manager with any questions.
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Government Agency Approval | FHA Non-Supervised Mortgage Approval #: 24751-0000-5 | VA Automatic Lender Approval #: 902324-00-00