FEMA Declared Disaster California

FEMA Alert Update
October 4, 2018

FEMA issued an update to a Presidential Major Disaster Declaration for areas in California affected by wildfires and high winds that took place July 23 to September 19, 2018. The following county is eligible for assistance:

Public Assistance

  • Lake

FEMA Release: Declared Disaster Amendment for California

ZIP Code List for FEMA Declared Disaster for California


FEMA Alert Update
October 1, 2018

FEMA issued an update to a Presidential Major Disaster Declaration for areas in California affected by wildfires and high winds beginning July 23, 2018 and continuing. The action closes the incident period on September 19, 2018.


FEMA Alert Update
August 17, 2018

FEMA issued an update to a Presidential Major Disaster Declaration for areas in California affected by wildfires and high winds beginning July 23, 2018 and continuing. The following county is eligible for assistance:

Individual Assistance

  • Lake

FEMA Release: Declared Disaster Amendment for California

ZIP Code List for FEMA Declared Disaster for California


FEMA Alert
August 4, 2018

FEMA issued a Presidential Major Disaster Declaration for areas in California affected by wildfires and high winds beginning July 23, 2018 and continuing. The following county is eligible for assistance:

Individual/Public Assistance

  • Shasta

FEMA Release: Declared Disaster for California

ZIP Code List for FEMA Declared Disaster for California

MapAlert Disaster Viewer

Additional Resources

FEMA’s web site

FEMA’s Disaster Declaration Process

Safeguard Properties Industry Alerts

HUD Moratorium on Foreclosure

VA’s Policy Regarding Natural Disasters

Freddie Mac Disaster Relief Policies

Fannie Mae’s Natural Disaster Relief Policies

Fatal Wildfire Rips Through California Towns

Updated 10/4/18: FEMA issued an update to a Presidential Major Disaster Declaration for areas in California affected by wildfires and high winds that took place July 23 to September 19, 2018.

Link to All Client Alert

Updated 10/2/18: The Federal Housing Administration (FHA) issued a waiver of its policy on time frame for completing the inspection of properties prior to closing or submitting the mortgage for FHA insurance endorsement in the August 4, 2018, Presidentially-Declared Major Disaster Area (PDMDA) due to the California Wildfires and High Winds declaration (DR-4382) in Lake and Shasta Counties.

Link to All Client Alert

Updated 8/17/18: FEMA issued an update to a Presidential Major Disaster Declaration for areas in California affected by wildfires and high winds beginning July 23, 2018 and continuing.

Link to All Client Alert

Updated 8/9/18: The office of California Governor Edmund G. Brown Jr. issued a press release titled Governor Brown Declares State of Emergency in Orange and Riverside Counties Due to Holy Fire.

Link to press release

Link to county ZIP Code List

MapAlert Disaster Viewer

NOTE: This is independent from any FEMA Declared Disaster.

Updated 8/8/18: Freddie Mac issued a press release titled Freddie Mac Releases Natural Disaster Relief Policies for Mortgage Assistance to Aid Those Affected by California Wildfires.

Link to All Client Alert

Updated 8/7/18: Fannie Mae issued a press release titled Fannie Mae Reminds Homeowners and Servicers of Mortgage Assistance Options for Areas Affected by the California Wildfires.

Link to All Client Alert

Updated 8/4/18: FEMA issued a Presidential Major Disaster Declaration for areas in California affected by wildfires and high winds beginning July 23 and continuing.

Link to All Client Alert

Updated 7/28/18: The office of California Edmund G. Brown Jr. issued a press release titled Governor Brown Declares State of Emergency in Lake, Mendocino and Napa Counties Due to Fires.

Link to press release

Link to county ZIP Code List

MapAlert Disaster Viewer (Ranch FireRiver Fire)

NOTE: This is independent from any FEMA Declared Disaster.

Updated 7/28/18: FEMA issued an Emergency Declaration for areas in California affected by a wildfire beginning July 23, 2018 and continuing.

Link to declaration

Link to county ZIP Code list

Note: This has not yet been declared a Presidential Major Disaster.

All Client Alert
July 27, 2018

Source: ABC News

Additional Resources:

Office of California Governor Edmund G. Brown Jr. (Governor Brown Declares State of Emergency in Riverside and Shasta Counties Due to FiresGovernor Brown Declares State of Emergency in Mariposa County Due to Ferguson Fire)

To view a ZIP Code list of counties included under the governor’s declaration, please click here.

NOTE: This is independent from any FEMA Declared Disaster.

Safeguard Properties Disaster Update Center

MapAlert Disaster Viewer (Carr FireCranston FireFerguson Fire)

Please see below for reported approximate areas sustaining property damage:

California
Idyllwild (Riverside County, 92549)
Keswick (Shasta County, 96001)
Redding (Shasta County, 96001, 96002, 96003)
Shasta (Shasta County, 96001, 96087)

This has NOT yet been declared a Presidential Major Disaster.

An explosive wildfire tore through two small Northern California communities Thursday before reaching the city of Redding, killing a bulldozer operator on the fire lines, burning three firefighters, destroying dozens of homes and forcing thousands of terrified residents to flee.

Flames swept through the communities of Shasta and Keswick before jumping the Sacramento River and reaching Redding, a city of about 92,000 people and the largest in the region.

The so-called Carr Fire is “taking down everything in its path,” said Scott McLean, a CalFire spokesman for the crews battling the blaze.

10 volunteer firefighters have been arrested and accused of intentionally setting fires to abandoned homes and woods.
North Carolina volunteer firefighters charged with arson
“It’s just a wall of flames,” he said.

Residents of western Redding who hadn’t been under evacuation orders were caught off guard and had to flee with little notice, causing miles-long traffic jams as flames turned the skies orange.

“When it hit, people were really scrambling,” McLean said. “There was not much of a warning.”

Many firefighters turned their focus from the flames to getting people out alive.

“Really we’re in a life-saving mode right now in Redding,” said Jonathan Cox, battalion chief with Cal Fire. “We’re not fighting a fire. We’re trying to move people out of the path of it because it is now deadly and it is now moving at speeds and in ways we have not seen before in this area.”

Some residents drove to hotels or the homes of family members in safer parts of California, while other evacuees poured into a shelter just outside of town.

A reporter with KRCR-TV choked up as she reported live updates about the fire before the station had to go off the air later. Two news anchors told viewers that the building was being evacuated and urged residents to “be safe.”

Journalists at the Record Searchlight newspaper tweeted about continuing to report on the fire without electricity in their newsroom, and a reporter at KHSL-TV wrote on Twitter that the station’s Redding reporters were “running home to gather their things.”

Mike Mangas, a spokesman at Mercy Medical Center, said the hospital was evacuating five babies in its neonatal intensive care unit, which cares for premature newborns, and taking them to medical facilities outside of the area.

He said the hospital was preparing high-risk patients to be evacuated but there were no immediate plans to do so.

He said several burn patients were admitted to the emergency room but that most were being treated and released.

Late Thursday, crews found the body of a bulldozer operator who was hired privately to clear vegetation in the blaze’s path, McLean said.

The fire burned over the operator and his equipment, making the man the second bulldozer operator killed in a California blaze in less than two weeks.

Three firefighters and an unknown number of civilians had burns, but the extent of their injuries wasn’t immediately known, McLean said.

“It’s just chaotic. It’s wild,” he said. “There’s a lot of fire, a lot of structures burning.”

Firefighters tried in vain to build containment around the blaze Thursday but flames kept jumping their lines, he said.

“It’s just a heck of a fight,” he said. “They’re doing what they can do and they get pushed out in a lot of cases. We’re fighting the fight right now.”

He said the fire behavior was so erratic, there were tornadoes within the fire “tossing around equipment, blowing windows out of Cal Fire pickup trucks.”

The 45-square-mile (115-square-kilometer) fire that began Monday tripled in size overnight Thursday amid scorching temperatures, low humidity and windy conditions. It was sparked by a mechanical issue involving a vehicle, Cal Fire said.

Brett Gouvea, incident commander of the crews battling the fire, urged residents to pay close attention to the blaze.

“This fire is extremely dangerous and moving with no regard for what’s in its path,” he said.

Earlier in the day with flames exploding around Whiskeytown Lake, an effort to save boats at a marina by untying them from moorings and pushing them to safety, wasn’t swift enough to spare them all.

Dozens of charred, twisted and melted boats were among the losses at Oak Bottom Marina.

“The boat docks down there — all the way out in the water — 30 to 40 boats caught fire when the fire laid down on top of them last night and burned those up,” said fire Chief Mike Hebrard of the California Department of Forestry and Fire Protection.

Wildfires throughout the state have burned through tinder-dry brush and forest, forced thousands to evacuate homes and caused campers to pack up their tents at the height of summer. Gov. Jerry Brown declared states of emergency for the three largest fires, which will authorize the state to rally resources to local governments.

The wildfires have dispatched firefighters to all corners of the state amid an oppressive heat wave.

A huge forest fire continued to grow outside Yosemite National Park. That blaze killed 36-year-old Braden Varney, a heavy equipment operator for the California Department of Forestry and Fire Protection whose bulldozer rolled over into a ravine July 14.

Hundreds of miles to the south, the Cranston Fire grew to 7.5 square miles (19 square kilometers) and about 3,000 residents remained under evacuation orders in Idyllwild and several neighboring communities. That fire, which destroyed five homes, is believed to have been sparked by arson.

Cleveland Demolished Vacant Homes Near Public Schools, But Not Near Private Schools

Source: WEWS ABC 5

A Cleveland initiative aimed at demolishing vacant homes that children walk by on their way to school has led to the tear-down of hundreds of properties near public schools. But a News 5 On Your Side investigation found the safety of children who walk to private schools is still at risk.

The program

The Safe Routes to School program was first unveiled in May of 2017 by Mayor Frank Jackson, who announced a goal to “tear down 500 homes within 500 feet” of Cleveland Metropolitan K-8 schools by the end of 2017. City officials underscored the goal in official news releases, Facebook posts/livestreams, online videos and city blog posts prior to Jackson’s re-election.

Instead, through visual inspections and analyzing city records, our investigation in 2017 found the vast majority of vacant homes were still standing and children remained at risk near hundreds of them.

Now, 16 months later, the city has made progress. Properties at 599 individual Safe Routes locations – or at least 830 total structures – have been demolished, according to city records as of Aug. 29. This includes homes, garages, sheds, apartments and commercial buildings.

In addition, under a separate, city-wide demolition program, city data shows 10,000 vacant structures have been torn down since Jackson took office in January 2006.

But for children who walk to private schools, vacant homes remain a threat. Our analysis found the city has not razed any abandoned properties near the approximately 30 private schools in Cleveland, and some parents, as well as a local principal and council member, are questioning why.

Please click here to view the full report.

Fannie Mae: Modification Interest Rate Adjustment Update

Source: Fannie Mae (full exhibit)

The Fannie Mae Modification Interest Rate is subject to periodic adjustments based on an evaluation of prevailing market rates. The servicer must use the current Fannie Mae Modification Interest Rate indicated below when evaluating a borrower for a conventional mortgage loan modification.

NOTE: As a reminder, the interest rate used to determine the final modification terms must be the same fixed interest rate that was used when determining eligibility for the Trial Period Plan and calculating the Trial Period Plan payment.

FEMA Declared Disaster Iowa

FEMA Alert Update
October 9, 2018

FEMA issued an update to a Presidential Major Disaster Declaration for areas in Iowa affected by severe storms, tornadoes, straight-line winds and flooding that took place June 6 to July 2, 2018. The following counties are eligible for assistance:

Public Assistance

  • Warren
  • Woodbury

FEMA Release: Declared Disaster Amendment for Iowa

ZIP Code List for FEMA Declared Disaster for Iowa

MapAlert Disaster Viewer


FEMA Alert
August 20, 2018

FEMA issued a Presidential Major Disaster Declaration for areas in Iowa affected by severe storms, tornadoes, straight-line winds and flooding that took place June 6 to July 2, 2018. The following counties are eligible for assistance:

Public Assistance

  • Adair
  • Buchanan
  • Buena Vista
  • Cerro Gordo
  • Cherokee
  • Chickasaw
  • Clay
  • Dallas
  • Delaware
  • Dickinson
  • Emmet
  • Floyd
  • Hamilton
  • Hancock
  • Howard
  • Humboldt
  • Kossuth
  • Lyon
  • O’Brien
  • Osceloa
  • Palo Alto
  • Pocahontas
  • Polk
  • Sioux
  • Story
  • Webster
  • Winnebago
  • Winneshiek
  • Wright

FEMA Release: Declared Disaster for Iowa

ZIP Code List for FEMA Declared Disaster for Iowa

 

Additional Resources

FEMA’s web site

FEMA’s Disaster Declaration Process

Safeguard Properties Industry Alerts

HUD Moratorium on Foreclosure

VA’s Policy Regarding Natural Disasters

Freddie Mac Disaster Relief Policies

Fannie Mae’s Natural Disaster Relief Policies

New Hampshire Rep Takes Aim at ‘Zombie Foreclosures’

Source: New Hampshire Business Review

Swanzey rep mulls legislation targeting lender’s responsibility post-foreclosure

If you foreclose on a property, then you’re responsible for taking care of it.

That’s the idea behind a bill that Rep. James McConnell, R-North Swanzey, would like to introduce next session, aimed are called “zombie foreclosures.”

“The financial institution doesn’t care. Neither does the person who is living there,” said McConnell.

A Swanzey zoning official brought the issue to his attention, but McConnell said the trend is widespread. “It is becoming a real problem. No one is fixing the roof or even mowing the law.”

The NH Bankers Association wouldn’t comment on the particular bill without seeing it, “but in the past there have been suggestions along those lines, and if a house is falling apart, that’s a health and safety issue, and there are municipal laws that address that,” said Tom Fahey, the organization’s chief lobbyist.

Towns have municipal ordinances that they can enforce, McConnell said, “but right now they are ignoring them. “ A state law, especially one with some teeth, would be harder to shrug off, he said

McConnell was hazy on the details of his intended bill, including enforcement and penalties, but he looked to New York state. There, the Department of Financial Services posts a “Zombie Property Database” website, relating to vacant and abandoned properties. It also has an expedited “Zombie Property Foreclosure” home page, which alludes to a new law to expedite foreclosures and sales.

Freddie Mac: Disaster Relief Policies Confirmed as Hurricane Michael Approaches

Source: Freddie Mac

MCLEAN, Va., Oct. 10, 2018 (GLOBE NEWSWIRE) — Freddie Mac (OTCQB: FMCC) today reminded Servicers of its disaster relief policies for borrowers who have been affected by Hurricane Michael. Freddie Mac’s disaster relief options are available to borrowers whose homes or places of employment are located in presidentially-declared Major Disaster Areas where federal individual assistance programs are made available to affected individuals and households.

In areas where the Federal Emergency Management Agency (FEMA) has not yet made individual assistance available, mortgage servicers may immediately leverage Freddie Mac’s short-term forbearance programs to provide mortgage relief to their borrowers that have been affected by the hurricane.

“Safety is our top priority for those in the Florida panhandle and nearby states as Hurricane Michael approaches,” said Yvette Gilmore, Freddie Mac’s Vice President of Single-Family Servicer Performance Management. “Once safe from this dangerous storm, we strongly encourage homeowners whose homes or places of employment have been impacted by Hurricane Michael to call their mortgage Servicer—the company to which borrowers send their monthly mortgage payments—to learn about available relief options. We stand ready to ensure that mortgage relief is made available.”

News Facts:

  • Freddie Mac disaster relief policies authorize mortgage servicers to help affected borrowers in eligible disaster areas: those federally-declared Major Disaster Areas where federal individual assistance programs have been extended. A list of these areas can be found on the FEMA’s website.
  • Freddie Mac mortgage relief options for affected borrowers in eligible disaster areas include:
  • Suspending foreclosures by providing forbearance for up to 12 months;
  • Waiving assessments of penalties or late fees against borrowers with disaster-damaged homes; and
  • Not reporting forbearance or delinquencies caused by the disaster to the nation’s credit bureaus.
  • Freddie Mac is reminding servicers to consider borrowers who are impacted by the storm, but who live and work outside of an eligible disaster area, for Freddie Mac’s standard relief policies, which include forbearance and mortgage modifications.
  • Affected borrowers should immediately contact their mortgage servicer—the company to which they send their monthly mortgage payment.
  • See http://www.freddiemac.com/singlefamily/service/natural_disasters.html for a description of Freddie Mac disaster relief policies.

FHFA: Foreclosure Prevention Report – July 2018

Source: FHFA

July 2018 Highlights

The Enterprises’ Foreclosure Prevention Actions:

  • The Enterprises completed 24,030 foreclosure prevention actions in July, bringing the total to 4,203,611 since the start of the conservatorships in September 2008. Over half of these actions have been permanent loan modifications.
  • There were 18,874 permanent loan modifications in July, bringing the total to 2,257,644 since the conservatorships began in September 2008.
  • Twenty-two percent of modifications in July were modifications with principal forbearance. Modifications with extend-term only accounted for 56 percent of all loan modifications during the month.
  • There were 777 short sales and deeds-in-lieu of foreclosure completed in July, down 11 percent compared with June.

The Enterprises’ Mortgage Performance:

  • The serious delinquency rate dropped from 0.91 percent at the end of June to 0.84 percent at the end of July.

The Enterprises’ Foreclosures:

  • Third-party and foreclosure sales decreased from 4,430 in June to 4,116 in July.
  • Foreclosure starts increased from 10,860 in June to 11,639 in July.

Attachments:

Foreclosure Prevention Report – July 2018

HUD: Disaster Assistance for Florida Storm Victims

Source: HUD

Foreclosure protection offered to displaced families

WASHINGTON – U.S. Housing and Urban Development today announced HUD will speed federal disaster assistance to the State of Florida and provide support to homeowners and low-income renters forced from their homes due to Hurricane Michael.

Yesterday, President Trump issued a major disaster declaration for Bay, Franklin, Gulf, Taylor, and Wakulla counties.

The President’s declaration allows HUD to offer foreclosure relief and other assistance to certain families living in this county. HUD is:

  • Providing immediate foreclosure relief – HUD’s automatic 90-day moratorium on foreclosures of Federal Housing Administration (FHA)-insured home mortgages commenced for the Florida counties covered under yesterday’s Presidential declaration on the date of the declaration. For assistance, call your loan servicer or FHA’s Resource Center at 1-800-304-9320.
  • Making mortgage insurance available – HUD’s Section 203(h) program provides FHA insurance to disaster victims whose homes were destroyed or damaged to such an extent that reconstruction or replacement is necessary and are facing the daunting task of rebuilding or buying another home. Borrowers from participating FHA-approved lenders are eligible for 100 percent financing, including closing costs;
  • Making insurance available for both mortgages and home rehabilitation – HUD’s Section 203(k) loan program enables those who have lost their homes to finance the purchase or refinance of a house along with its repair through a single mortgage. It also allows homeowners who have damaged houses to finance the rehabilitation of their existing single-family home;
  • Information on housing providers and HUD programs – The Department will share information with FEMA and the State on housing providers that may have available units in the impacted counties. This includes Public Housing Agencies and Multi-Family owners. The Department will also connect FEMA and the State to subject matter experts to provide information on HUD programs and providers.

Read about these and other HUD programs designed to assist disaster victims

VA: Circular 26-18-23: Special Relief Following Hurricane Michael

Investor Update
October 15, 2018

Source: VA

1. Purpose. This Circular expresses concern about the Department of Veterans Affairs (VA) home loan borrowers affected by Hurricane Michael, and describes measures mortgagees may employ to provide relief. Mortgage servicers and borrowers alike should review VA’s Guidance on Natural Disasters to ensure Veterans receive the assistance they need. (https://www.benefits.va.gov/homeloans/documents/docs/va_policy_regarding_natural_disasters. pdf or https://www.benefits.va.gov/WARMS/docs/admin26/m26_04/Chapter_21.docx).

2. Forbearance Request. VA encourages holders of guaranteed loans to extend forbearance to borrowers in distress as a result of Hurricane Michael. Careful counseling with borrowers should help determine whether their difficulties are related to this disaster, or whether they stem from other sources that must be addressed. The proper use of authorities granted in VA regulations may be of assistance in appropriate cases. For example, Title 38, Code of Federal Regulations (C.F.R.), section 36.4311 allows the reapplication of prepayments to cure or prevent a default. Also, 38 C.F.R. 36.4315 allows the terms of any guaranteed loan to be modified without the prior approval of VA, provided conditions in the regulation are satisfied.

3. Moratorium on Foreclosure. Although the loan holder is ultimately responsible for determining when to initiate foreclosure, and for completing termination action, VA has requested on its website (https://www.benefits.va.gov/homeloans) that holders establish a 90day moratorium from the date of a disaster on initiating new foreclosures on loans affected by major disasters. VA regulation 38 C.F.R. 36.4324(a)(3)(ii) allows additional interest on a guaranty claim when eventual termination has been delayed due to circumstances beyond the control of the holder, such as VA-requested forbearance. Because of the widespread impact of the disaster, holders should review all foreclosure referrals to ensure that borrowers have not been affected significantly enough to justify delay in referral. Any questions about impact should be discussed with the VA Regional Loan Center (RLC) of jurisdiction.

4. Late Charge Waivers. VA believes that many servicers plan to waive late charges on affected loans, and encourages all servicers to adopt such a policy for any loans that may have been affected.

5. Credit and VA Reporting. In order to avoid damaging credit records of Veteran borrowers, servicers are encouraged to suspend credit bureau reporting on affected loans. VA will not penalize affected servicers for any late default reporting to VA as a result. Please contact the appropriate RLC with any questions.

6. Activation of the National Guard. Members of the National Guard may be called to active duty to assist in recovery efforts. VA encourages servicers to extend special forbearance to National Guard members who experience financial difficulties as a result of their service.

7. Rescission: This Circular is rescinded October 1, 2019.

By Direction of the Under Secretary for Benefits

Jeffrey F. London Director Loan Guaranty Service