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Did Your Houston Area Home Flood

Guillermo Profile PictureHi, I’m Guillermo with Fast Cash Offers here in Houston, TX.  Your Local  Home Buyer .

Did you or someone you know experience flood damage due to Hurricane Harvey flooding?  If so, I’m sorry to hear that.  We experienced flooding in 3 of our properties.  I know how difficult the recovery after the flood is and can be.  That is why I put together this resource page to help you and your friend and family affected on how to begin the recovery process.  I also included a short video with tips on how to clean up and trash out a house after the flood (video is a the very bottom of the page.  I wish you the best of luck and God Bless You and your family.  Please Note We are currently buying Flood Damaged home at a Fair Price .

 

Please scroll all the way to the bottom and you will find lots of information including the SBA (Small Business Administration) loan assistance with a 4% loan to help if you if you don’t have flood insurance and even the grants available to flood victims under specific circumstances (please read the article, this is money you don’t have to pay back if you qualify)

FEMA Individuals and Households Program (IHP) – Other Needs Assistance

FEMA Individuals and Households Program (IHP) – Housing Assistance

Managing Agency:

Program Description

The FEMA Individuals and Households Program (IHP) Housing Assistance helps people affected by a disaster. It provides money, up to the program maximum, for necessary housing-related expenses and serious needs that can’t be met through other means.

Housing assistance under IHP includes:

  • Temporary housing.
  • Repair or replacement of existing home.
  • Semi-permanent or permanent housing construction.

General Program Requirements

To get money or help for disaster-related housing needs, all of the below must be true:

  • You have losses in a presidentially declared disaster area.
  • You have no insurance, or have filed an insurance claim but the damage isn’t covered, or your insurance settlement doesn’t cover all of your losses.
  • You or someone who lives with you is a U.S. citizen, a non-citizen national, or a qualified alien.
  • The affected home is where you usually live and where you were living at the time of the disaster.
  • You are not able to live in your home now, you can’t get to your home, or your home requires repairs because of disaster damage.

Certain conditions and limitations apply.

To learn more, visit the Assistance to Individuals and Households Fact Sheet page.

Application Process

To start an application, click Apply Online.

If you have questions or prefer to apply by phone, you may call the FEMA Helpline at one of the program contact numbers below.

You can also visit a local Disaster Recovery Center (DRC) for help. Use the DRC Locator to find a center near you.

Program Contact Information

For questions or to apply by phone:

Program Description

The FEMA Individuals and Households Program (IHP) Other Needs Assistance (ONA) helps people affected by a disaster. It provides money, up to the program maximum, for necessary expenses and serious needs, not housing related, that can’t be met through other means.

Other needs assistance under IHP includes:

  • Personal property
  • Childcare
  • Medical and dental expenses
  • Funeral and burial costs
  • Transportation

General Program Requirements

To get help for disaster-related needs other than housing, all of the below must be true:

  • You have losses in a presidentially declared disaster area.
  • You have no insurance, or have filed an insurance claim but the damage isn’t covered, or your insurance settlement doesn’t cover all of your losses.
  • You or someone who lives with you is a U.S. citizen, a non-citizen national, or a qualified alien.
  • You have necessary expenses or serious needs because of the disaster.
  • You have accepted help from all other sources you qualify for, like insurance or Small Business Administration (SBA) disaster loans.

Certain conditions and limitations apply.

To learn more, visit the Assistance to Individuals and Households Fact Sheet.

Application Process

To start an application, click Apply Online. If you’ve already submitted an application for IHP, you don’t need to do a separate one for ONA.

If you have questions or prefer to apply by phone, you may call the FEMA Helpline at one of the program contact numbers below.

You can also visit a local Disaster Recovery Center (DRC) for help. Use the DRC Locator to find a center near you.

Program Contact Information

For questions or to apply by phone:

Disaster Loan Assistance

Federal Disaster Loans for Businesses, Private Nonprofits, Homeowners, and Renters

Home and Personal Property Loans

If you are in a declared disaster area and have experienced damage to your home or personal property, you may be eligible for financial assistance from the SBA — even if you do not own a business. As a homeowner, renter and/or personal property owner, you may apply to the SBA for a loan to help you recover from a disaster.

Loan Amounts and Use
Homeowners may apply for up to $200,000 to replace or repair their primary residence. The loans may not be used to upgrade homes or make additions, unless required by local building code. If you make improvements that help prevent the risk of future property damage caused by a similar disaster, you may be eligible for up to a 20 percent loan amount increase above the real estate damage, as verified by the SBA.

In some cases, SBA can refinance all or part of a previous mortgage when the applicant does not have credit available elsewhere and has suffered substantial disaster damage not covered by insurance.

Renters and homeowners may borrow up to $40,000 to replace or repair personal property — such as clothing, furniture, cars and appliances — damaged or destroyed in a disaster.

Eligibility and Terms
Secondary homes or vacation properties are not eligible for these loans. However, qualified rental properties may be eligible for assistance under the SBA business disaster loan program.

Proceeds from insurance coverage on your home or property will be deducted from the total damage estimate to determine the eligible loan amount. The SBA is not permitted to duplicate any benefits.

For applicants unable to obtain credit elsewhere, the interest rate will not exceed 4 percent. For those who can obtain credit elsewhere, the interest rate will not exceed 8 percent. The SBA will determine whether an applicant can obtain credit elsewhere. SBA disaster loans are offered with up to 30-year terms.

Home loans for more than $25,000 in Presidential and Agency declarations must be secured with collateral to the extent possible. The SBA will ask the applicant for available collateral, but will not decline a loan for lack of collateral. A first or second mortgage on the damaged real estate is commonly used as collateral for an SBA disaster loan.

How to Apply
You can apply online for an SBA disaster assistance loan. SBA will send an inspector to estimate the cost of your damage once you have completed and returned your loan application.

You must submit the completed loan application and a signed and dated IRS Form 4506-T giving permission for the IRS to provide SBA your tax return information.

For additional information, please contact the SBA disaster assistance customer service center. Call 1-800-659-2955 (TTY: 1-800-877-8339) or e-mail disastercustomerservice@sba.gov.

Federal Aid Programs for the State of Texas

Release date:
August 25, 2017
Release Number:
HQ-17-060-FactSheet

Following is a summary of key federal disaster aid programs that can be made available as needed and warranted under President Donald J. Trump’s disaster declaration issued for the state of Texas

Assistance for Affected Individuals and Families Can Include as Required:

  • Rental payments for temporary housing for those whose homes are unlivable.  Initial assistance may be provided for up to three months for homeowners and at least one month for renters.  Assistance may be extended if requested after the initial period based on a review of individual applicant requirements.  (Source: FEMA funded and administered.)
  • Grants for home repairs and replacement of essential household items not covered by insurance to make damaged dwellings safe, sanitary and functional.  (Source: FEMA funded and administered.)
  • Grants to replace personal property and help meet medical, dental, funeral, transportation and other serious disaster-related needs not covered by insurance or other federal, state and charitable aid programs.   (Source: FEMA funded at 75 percent of total eligible costs; 25 percent funded by the state.)
  • Unemployment payments up to 26 weeks for workers who temporarily lost jobs because of the disaster and who do not qualify for state benefits, such as self-employed individuals.  (Source: FEMA funded; state administered.)
  • Low-interest loans to cover residential losses not fully compensated by insurance.  Loans available up to $200,000 for primary residence; $40,000 for personal property, including renter losses.  Loans available up to $2 million for business property losses not fully compensated by insurance.  (Source: U.S. Small Business Administration.)
  • Loans up to $2 million for small businesses, small agricultural cooperatives and most private, non-profit organizations of all sizes that have suffered disaster-related cash flow problems and need funds for working capital to recover from the disaster’s adverse economic impact.  This loan in combination with a property loss loan cannot exceed a total of $2 million. (Source: U.S. Small Business Administration.)
  • Loans up to $500,000 for farmers, ranchers and aquaculture operators to cover production and property losses, excluding primary residence.  (Source: Farm Service Agency, U.S. Dept. of Agriculture.)
  • Other relief programs: Crisis counseling for those traumatized by the disaster; income tax assistance for filing casualty losses; advisory assistance for legal, veterans’ benefits and social security matters.

How to Apply for Assistance:

Individuals and business owners who sustained losses in the designated area can begin applying for assistance by registering online at www.DisasterAssistance.govor by calling 1-800-621-FEMA (3362).  Disaster assistance applicants, who have a speech disability or hearing loss and use TTY, should call 1-800-462-7585 directly; for those who use 711 or Video Relay Service (VRS), call 1-800-621-3362. The toll-free telephone numbers will operate from 7 a.m. to 10 p.m. (local time) seven days a week until further notice.

Assistance for the State and Affected Local Governments Can Include as Required:

  • Payment of not less than 75 percent of the eligible costs for debris removal and emergency protective measures taken to save lives and protect property and public health.  Emergency protective measures assistance, including direct federal assistance is available to state and eligible local governments on a cost-sharing basis (Source: FEMA funded, state administered.)
  • Payment of not less than 75 percent of the eligible costs for repairing or replacing damaged public facilities, such as roads, bridges, utilities, buildings, schools, recreational areas, and similar publicly owned property, as well as certain private non-profit organizations engaged in community service activities. (Source: FEMA funded, state administered.)
  • Payment of not more than 75 percent of the approved costs for hazard mitigation projects undertaken by state and local governments to prevent or reduce long-term risk to life and property from natural or technological disasters.  (Source: FEMA funded, state administered.

How to Apply for Assistance:

Application procedures for state and local governments will be explained at a series of federal/state applicant briefings with locations to be announced in the affected area by recovery officials. Approved public repair projects are paid through the state from funding provided by FEMA and other participating federal agencies.

Follow FEMA online at www.fema.gov/blogwww.twitter.com/femawww.facebook.com/fema and www.youtube.com/fema. Also, follow Administrator Brock Long’s activities at http://www.twitter.com/fema_brock.

The social media links provided are for reference only. FEMA does not endorse any non-government websites, companies or applications.

FEMA’s mission is to support our citizens and first responders to ensure that as a nation we work together to build, sustain and improve our capability to prepare for, protect against, respond to, recover from and mitigate all hazards.


	
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