{"id":15229,"date":"2024-10-02T21:53:40","date_gmt":"2024-10-02T21:53:40","guid":{"rendered":"https:\/\/chenoafund.org\/?p=15229"},"modified":"2024-11-22T18:28:09","modified_gmt":"2024-11-22T18:28:09","slug":"fema-designated-disaster-area-guidelines-10-02-24","status":"publish","type":"post","link":"https:\/\/chenoafund.org\/fema-designated-disaster-area-guidelines-10-02-24\/","title":{"rendered":"FEMA Designated Disaster Area Guidelines 10\/02\/24"},"content":{"rendered":"<p><span data-contrast=\"auto\">For counties impacted by Hurricane Helene and deemed a disaster area please, refer to Section 4.27.17 of CBC Mortgage Agency\u2019s Seller Guide. We will continue to monitor for any updates and provide guidance as necessary.\u00a0<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:0,&quot;335559740&quot;:276}\">\u00a0<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:0,&quot;335559740&quot;:276}\">\u00a0<\/span><\/p>\n<p><b><span data-contrast=\"auto\">4.27.17 Disaster Certificates<\/span><\/b><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:0,&quot;335559740&quot;:276}\">\u00a0<\/span><\/p>\n<p><i><span data-contrast=\"auto\">All <\/span><\/i><i><span data-contrast=\"auto\">FHA<\/span><\/i><span data-contrast=\"auto\">: In counties that have been deemed disaster areas by FEMA (Federal Emergency Management Agency), CBCMA will require a 1004D disaster certificate, with exterior photos required. Per FHA the certificate must be dated after the incident period. Appraisals performed prior to the incident end date or within up to 14-days from the incident start date, whichever is earlier: a disaster certification is required.<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:120,&quot;335559740&quot;:273}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">It is solely the Seller\u2019s responsibility to be aware of and act upon any mortgage loans that were, prior to the sale to CBCMA, impacted by disasters. The Seller should contact the appropriate source (e.g., a state office, regional Federal Emergency Management Agency (FEMA) office, news agency, etc.) to determine whether properties located in its origination regions are included in a disaster area.<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:120,&quot;335559740&quot;:273}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">CBCMA\u2019s Disaster Policy applies to any of the following:<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:120,&quot;335559740&quot;:273}\">\u00a0<\/span><\/p>\n<ul>\n<li data-leveltext=\"\u274f\" data-font=\"Times New Roman\" data-listid=\"1\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\u274f&quot;,&quot;469777815&quot;:&quot;multilevel&quot;}\" aria-setsize=\"-1\" data-aria-posinset=\"1\" data-aria-level=\"1\"><span data-contrast=\"auto\">FEMA-declared disaster areas eligible for Individual Assistance<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:0,&quot;335559740&quot;:273}\">\u00a0<\/span><\/li>\n<\/ul>\n<ul>\n<li data-leveltext=\"\u274f\" data-font=\"Times New Roman\" data-listid=\"1\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\u274f&quot;,&quot;469777815&quot;:&quot;multilevel&quot;}\" aria-setsize=\"-1\" data-aria-posinset=\"2\" data-aria-level=\"1\"><span data-contrast=\"auto\">Areas identified by CBCMA<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:0,&quot;335559740&quot;:273}\">\u00a0<\/span><\/li>\n<\/ul>\n<ul>\n<li data-leveltext=\"\u274f\" data-font=\"Times New Roman\" data-listid=\"1\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\u274f&quot;,&quot;469777815&quot;:&quot;multilevel&quot;}\" aria-setsize=\"-1\" data-aria-posinset=\"3\" data-aria-level=\"1\"><span data-contrast=\"auto\">Properties that the Seller has reason to believe sustained damage in a disaster<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:120,&quot;335559740&quot;:273}\">\u00a0<\/span><\/li>\n<\/ul>\n<p><span data-contrast=\"auto\">CBCMA does not have the responsibility to provide notification to the seller of disaster areas and will not purchase a loan if it is damaged. If, at any time after loan purchase, CBCMA or a subsequent investor determines that the subject property was damaged and not in fully marketable condition at time of sale, the loan may be subject to repurchase.<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:120,&quot;335559740&quot;:273}\">\u00a0<\/span><\/p>\n<p><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:0,&quot;335559740&quot;:276}\">\u00a0<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>For counties impacted by Hurricane Helene and deemed a disaster area please, refer to Section 4.27.17 of CBC Mortgage Agency\u2019s Seller Guide. We will continue&#8230;<\/p>\n","protected":false},"author":4,"featured_media":0,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"content-type":"","_jetpack_memberships_contains_paid_content":false,"footnotes":""},"categories":[104],"tags":[544,547,546,545],"class_list":{"0":"post-15229","1":"post","2":"type-post","3":"status-publish","4":"format-standard","6":"category-updates-and-announcements","7":"tag-disaster-certificates","8":"tag-fema","9":"tag-fema-designated-disaster","10":"tag-fema-designated-disaster-area-guidelines"},"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.5 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>FEMA Designated Disaster Area Guidelines 10\/02\/24 - CBC Mortgage Agency<\/title>\n<meta name=\"description\" content=\"Learn about FEMA-designated disaster area guidelines for 2024 and how they impact Chenoa Fund borrowers. Stay informed with the latest updates and eligibility criteria.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/chenoafund.org\/fema-designated-disaster-area-guidelines-10-02-24\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"FEMA Designated Disaster Area Guidelines 10\/02\/24 - CBC Mortgage Agency\" \/>\n<meta property=\"og:description\" content=\"Learn about FEMA-designated disaster area guidelines for 2024 and how they impact Chenoa Fund borrowers. 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