Overview
Due to severe storms and flooding in Alabama, FEMA has declared the following counties a disaster.
Incident Period: October 6, 2021 – October 7, 2021
| State | FEMA Disaster Declaration | Counties |
| Alabama | December 21, 2021 | Jefferson and Shelby |
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 – 10/07/21. |
| FHA Streamline | No | Not applicable |
| VA Full Doc and IRRRL | Yes | If the loan was not closed (signed) prior to the Declaration Date of 12/21/2021. |
| USDA Full Doc and Streamline Assist | Yes | If the original appraisal inspection date was prior to the Incident Period End Date – 10/07/21. |
| Conventional* and Non-Agency | Yes | If the original appraisal inspection date was prior to the Incident Period End Date – 10/07/21. |
*If an appraisal was not required due to a property inspection waiver (PIW), an inspection report will still be required.
For further guidance and loan property requirements refer to the Declared Disaster Policy published on carringtoncorrespondent.com.
Contacts
Please contact CorrespondentRM@carringtonms.com with any questions.
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