Designated Counties for Alabama Severe Storms, Flooding, Tornadoes, and Straight-line Winds 

Disaster Summary For FEMA-1836-DR, Alabama

Declaration Date: May 8, 2009

Incident Type: Severe Storms, Flooding, Tornadoes, and Straight-line Winds

Incident Period: April 10-13, 2009

Individual Assistance
(Assistance to individuals and households):

None.

Public Assistance
(Assistance to State and local governments and certain private nonprofit organizations for emergency work and the repair or replacement of disaster-damaged facilities):

Cullman, DeKalb, Jackson, Jefferson, and Marshall Counties.

Hazard Mitigation Grant Program
(Assistance to State and local governments and certain private nonprofit organizations for actions taken to prevent or reduce long term risk to life and property from natural hazards):

All counties in the State of Alabama are eligible to apply for assistance under the Hazard Mitigation Grant Program.

Other:

Additional designations may be made at a later date after further evaluation.

More information about Alabama Severe Storms, Flooding, Tornadoes, and Straight-line Winds

Last Modified: Monday, 11-May-2009 09:00:50

Designated Counties for Alaska Flooding and Ice Jams 

Disaster Summary For FEMA-1843-DR, Alaska

Declaration Date: June 11, 2009

Incident Type: Flooding and Ice Jams

Incident Period: April 28, 2009, and continuing

Individual Assistance
(Assistance to individuals and households):

The Alaska Gateway Regional Educational Attendance Area (REAA), the Kuspuk REAA, the Yukon Flats REAA, and the Yukon-Koyukuk REAA.

Public Assistance
(Assistance to State and local governments and certain private nonprofit organizations for emergency work and the repair or replacement of disaster-damaged facilities):

The Alaska Gateway Regional Educational Attendance Area (REAA), the Kuspuk REAA, the Lower Kuskokwin REAA, the Matanuska-Susitna Borough, the Yukon Flats REAA, and the Yupiit REAA.

Hazard Mitigation Grant Program
(Assistance to State and local governments and certain private nonprofit organizations for actions taken to prevent or reduce long term risk to life and property from natural hazards):

All boroughs and Regional Educational Attendance Areas in the State of Alaska are eligible to apply for assistance under the Hazard Mitigation Grant Program.

Other:

Additional designations may be made at a later date after further evaluation.

More information about Alaska Flooding and Ice Jams

Last Modified: Friday, 12-Jun-2009 12:59:37

Designated Counties for Tennessee Severe Storms, Tornadoes, Straight-Line Winds, and Flooding 

Disaster Summary For FEMA-1851-DR, Tennessee

Declaration Date: July 13, 2009

Incident Type: Severe Storms, Tornadoes, Straight-Line Winds, and Flooding

Incident Period: June 12-14, 2009

Individual Assistance
(Assistance to individuals and households):

None.

Public Assistance
(Assistance to State and local governments and certain private nonprofit organizations for emergency work and the repair or replacement of disaster-damaged facilities):

Fayette, Haywood, and Shelby Counties.

Hazard Mitigation Grant Program
(Assistance to State and local governments and certain private nonprofit organizations for actions taken to prevent or reduce long term risk to life and property from natural hazards):

All counties in the State of Tennessee are eligible to apply for assistance under the Hazard Mitigation Grant Program.

Other:

Additional designations may be made at a later date after further evaluation.

More information about Tennessee Severe Storms, Tornadoes, Straight-Line Winds, and Flooding

Last Modified: Tuesday, 14-Jul-2009 12:18:04

An increasing number of homeowners are currently seeking a loan modification but not everyone can get one. Many troubled homeowners are simply getting lost in the system and are dangerously close to falling victim to a preventable foreclosure. With assistance from a certified loan modification specialist, distressed homeowners can effectively adjust the terms of their mortgage and avoid foreclosure.

There are many types of loan modifications: lowering payments by lowering the interest rate and/or by stretching out the term of the loan, converting an adjustable interest rate to a fixed interest rate, taking past due payments and adding them on the back end of the loan balance, variable step payment plans, and, in rare cases, reducing the principal balance or any combination of the above.

These 9 tips will help you navigate safely through the process of getting a bank approval for a loan modification.

1. Don't Wait. Act Now!

Falling into foreclosure is a time sensitive situation. If you wait, saving your home will become more difficult. It is imperative you take action right away.

2. Hire a Loan Modification Specialist.

Lenders are knowledgeable and experienced and they hold a significant advantage over the borrower. Their job is to represent THEIR interest. On the other hand, a loan modification specialist's job is to represent YOUR interest.

You wouldn't go to court without an experienced attorney. Why would you go to your lender without an experienced loan modification specialist? This is especially important because your mortgage is probably the biggest financial commitment you will ever carry.

3. Is Your Loan Modification Specialist Licensed by the DRE?

Don't let anyone take advantage of your sensitive financial situation. Make sure that your loan modification specialist is licensed by the Department of Real Estate. Only consider firms that comply with all necessary California Real Estate Laws and the California Foreclosure Consultant Act.

4. Get the Right Documents.

You and your loan specialist will need to decide on a strategy based on your hardship, your needs and your lender's requirements. You will need to provide current income and expense information to document your financial situation.

5. Loan Modification Does Not Impact Your Credit.

One of the most common misconceptions is that executed loan modifications will negatively impact your credit. In fact, being behind on your mortgage payments is what affects your credit rating. Complying with the modified payments will probably be the fastest way to remedy your credit rating.

6. Know Your Loan.

Lenders may give modification priorities to certain types of loans that were previously allocated even if the borrower is current on payments. A seasoned loan modification specialist should be able to identify if you are in a category of preferred loan types.

7. Be Realistic.

Don't have unrealistic expectations. Remember that people tend to exaggerate. Each modification is unique from lender to lender and from investor to investor. Don't expect to pay next to nothing for your loan.

8. Be Thorough.

Based on your current and projected income, make sure that the new modification terms and conditions are something with which you can comply. Be certain to obtain a full financial review from your loan modification specialist that includes a budget for paying your home loan on time.

9. Never Give Up.

If for some reason your loan modification request is denied by the lender, resubmit it. Lenders often change their rules and programs and what might not work out today may work out tomorrow. In addition, consult with your loan modification specialist about alternative foreclosure prevention options. There are other effective ways to avoid falling into foreclosure. Never give up!

Source: ishortsale.com

Designated Counties for Alaska Severe Storms, Flooding, Mudslides, and Rockslides 

Disaster Summary For FEMA-1865-DR, Alaska

Declaration Date: December 18, 2009

Incident Type: Severe Storms, Flooding, Mudslides, and Rockslides

Incident Period: November 16, 2009 to November 17, 2009

Individual Assistance
(Assistance to individuals and households):

None.

Public Assistance
(Assistance to State and local governments and certain private nonprofit organizations for emergency work and the repair or replacement of disaster-damaged facilities):

Kodiak Island Borough.

Hazard Mitigation Grant Program
(Assistance to State and local governments and certain private nonprofit organizations for actions taken to prevent or reduce long term risk to life and property from natural hazards):

All boroughs and Regional Educational Attendance Areas in the State of Alaska are eligible to apply for assistance under the Hazard Mitigation Grant Program.

OTHER:

Additional designations may be made at a later date after further evaluation.

More information about Alaska Severe Storms, Flooding, Mudslides, and Rockslides

Last Modified: Friday, 18-Dec-2009 15:30:38

Designated Counties for Alabama Tropical Storm Ida 

Disaster Summary For FEMA-1866-DR, Alabama

Declaration Date: December 22, 2009

Incident Type: Tropical Storm Ida

Incident Period: November 9-10, 2009

Individual Assistance
(Assistance to individuals and households):

None.

Public Assistance
(Assistance to State and local governments and certain private nonprofit organizations for emergency work and the repair or replacement of disaster-damaged facilities):

Baldwin and Mobile Counties.

Hazard Mitigation Grant Program 
(Assistance to State and local governments and certain private nonprofit organizations for actions taken to prevent or reduce long term risk to life and property from natural hazards):

All counties in the State of Alabama are eligible to apply for assistance under the Hazard Mitigation Grant Program.

OTHER:

Additional designations may be made at a later date after further evaluation.

More information about Alabama Tropical Storm Ida

Last Modified: Tuesday, 22-Dec-2009 18:24:07

Designated Counties for New Jersey Severe Storms and Flooding Associated with Tropical Depression Ida and a Nor'easter 

Disaster Summary For FEMA-1865-DR, New Jersey

Declaration Date: December 22, 2009

Incident Type: Severe Storms and Flooding Associated with Tropical Depression Ida and a Nor'easter

Incident Period: November 11-15, 2009

Individual Assistance
(Assistance to individuals and households):

None.

Public Assistance
(Assistance to State and local governments and certain private nonprofit organizations for emergency work and the repair or replacement of disaster-damaged facilities):

Atlantic, Cape May, and Ocean Counties. Direct Federal assistance is authorized.

Hazard Mitigation Grant Program 
(Assistance to State and local governments and certain private nonprofit organizations for actions taken to prevent or reduce long term risk to life and property from natural hazards):

All counties in the State of New Jersey are eligible to apply for assistance under the Hazard Mitigation Grant Program.

OTHER:

Additional designations may be made at a later date after further evaluation.

More information about New Jersey Severe Storms and Flooding Associated with Tropical Depression Ida and a Nor'easter

Last Modified: Tuesday, 22-Dec-2009 18:24:23

Designated Counties for Kansas Severe Winter Storm 

Disaster Summary For FEMA-1868-DR, Kansas

Declaration Date: December 23, 2009

Incident Type: Severe Winter Storm

Incident Period: November 14-16, 2009

Individual Assistance
(Assistance to individuals and households):

None.

Public Assistance
(Assistance to State and local governments and certain private nonprofit organizations for emergency work and the repair or replacement of disaster-damaged facilities):

The counties of Marshall, Republic, and Washington.

Hazard Mitigation Grant Program
(Assistance to State and local governments and certain private nonprofit organizations for actions taken to prevent or reduce long term risk to life and property from natural hazards):

All counties in the State of Kansas are eligible to apply for assistance under the Hazard Mitigation Grant Program.

Other:

Additional designations may be made at a later date after further evaluation.

More information about Kansas Severe Winter Storm

Last Modified: Wednesday, 23-Dec-2009 19:01:06

Designated Counties for Alabama Severe Storms and Flooding 

Disaster Summary For FEMA-1870-DR, Alabama

Declaration Date: December 31, 2009

Incident Type: Severe Storms and Flooding

Incident Period: December 12-18, 2009

Individual Assistance
(Assistance to individuals and households):

None.

Public Assistance
(Assistance to State and local governments and certain private nonprofit organizations for emergency work and the repair or replacement of disaster-damaged facilities):

The counties of Barbour, Butler, Clarke, Coffee, Conecuh, Covington, Crenshaw, Dale, Escambia, Geneva, Henry, and Pike.

Hazard Mitigation Grant Program
(Assistance to State and local governments and certain private nonprofit organizations for actions taken to prevent or reduce long term risk to life and property from natural hazards):

All counties in the State of Alabama are eligible to apply for assistance under the Hazard Mitigation Grant Program.

Other:

Additional designations may be made at a later date after further evaluation.

More information about Alabama Severe Storms and Flooding

Designated Counties for New York Severe Storms and Flooding Associated with Tropical Depression Ida and a Nor'easter 

Disaster Summary For FEMA-1869-DR, New York

Declaration Date: December 31, 2009

Incident Type: Severe Winter Storm

Incident Period: November 12-14, 2009

Individual Assistance
(Assistance to individuals and households):

None.

Public Assistance
(Assistance to State and local governments and certain private nonprofit organizations for emergency work and the repair or replacement of disaster-damaged facilities):

Nassau and Suffolk Counties.

Hazard Mitigation Grant Program
(Assistance to State and local governments and certain private nonprofit organizations for actions taken to prevent or reduce long term risk to life and property from natural hazards):

All counties in the State of New York are eligible to apply for assistance under the Hazard Mitigation Grant Program.

Other:

Additional designations may be made at a later date after further evaluation.

More information about New York Severe Storms and Flooding Associated with Tropical Depression Ida and a Nor'easter

Designated Counties for New Jersey Snowstorm 

Disaster Summary For FEMA-1873-DR, New Jersey

Declaration Date: February 5, 2010

Incident Type: Snowstorm

Incident Period: December 19-20, 2009

Individual Assistance
(Assistance to individuals and households):

None.

Public Assistance
(Assistance to State and local governments and certain private nonprofit organizations for emergency work and the repair or replacement of disaster-damaged facilities):

Atlantic, Burlington, Camden, Cumberland, Gloucester, Ocean, and Salem Counties.

Hazard Mitigation Grant Program
(Assistance to State and local governments and certain private nonprofit organizations for actions taken to prevent or reduce long term risk to life and property from natural hazards):

All counties in the State of New Jersey are eligible to apply for assistance under the Hazard Mitigation Grant Program.

Other:

Additional designations may be made at a later date after further evaluation.

More information about New Jersey Snowstorm

Last Modified: Friday, 05-Feb-2010 16:29:55

Designated Counties for District of Columbia Severe Winter Storm and Snowstorm 

Disaster Summary For FEMA-1882-DR, District of Columbia

Declaration Date: March 3, 2010

Incident Type: Severe Winter Storm and Snowstorm

Incident Period: December 18-20, 2010

Individual Assistance
(Assistance to individuals and households):

None.

Public Assistance
(Assistance to State and local governments and certain private nonprofit organizations for emergency work and the repair or replacement of disaster-damaged facilities):

The District of Columbia.

(Assistance for emergency protective measures (Category B), including snow assistance):

This assistance will be provided for a period of 48 hours for the District of Columbia.

Hazard Mitigation Grant Program
(Assistance to State and local governments and certain private nonprofit organizations for actions taken to prevent or reduce long term risk to life and property from natural hazards):

The District of Columbia is eligible to apply for assistance under the Hazard Mitigation Grant Program.

Other:

Additional designations may be made at a later date after further evaluation.

More information about District of Columbia Severe Winter Storm and Snowstorm

Last Modified: Thursday, 04-Mar-2010 11:10:09

Designated Counties for New Hampshire Severe Winter Storm 

Disaster Summary For FEMA-1892-DR, New Hampshire

Declaration Date: March 29, 2010

Incident Type: Severe Winter Storm

Incident Period:  February 23 to March 3, 2010

Individual Assistance
(Assistance to individuals and households):

None.

Public Assistance
(Assistance to State and local governments and certain private nonprofit organizations for emergency work and the repair or replacement of disaster-damaged facilities):

Grafton, Hillsborough, Merrimack, Rockingham, Strafford, and Sullivan Counties.

Hazard Mitigation Grant Program
(Assistance to State and local governments and certain private nonprofit organizations for actions taken to prevent or reduce long term risk to life and property from natural hazards):

All counties in the State of New Hampshire are eligible to apply for assistance under the Hazard Mitigation Grant Program.

Other:

Additional designations may be made at a later date after further evaluation.

More information about New Hampshire Severe Winter Storm

Last Modified: Tuesday, 30-Mar-2010 10:43:45

Designated Counties for Rhode Island Severe Storms and Flooding 

Disaster Summary For FEMA-1894-DR, Rhode Island

Declaration Date: March 29, 2010

Incident Type: Severe Storms and Flooding

Incident Period: March 12, 2010, and continuing

Individual Assistance
(Assistance to individuals and households):

Kent, Newport, Providence, and Washington Counties.

Public Assistance
(Assistance to State and local governments and certain private nonprofit organizations for emergency work and the repair or replacement of disaster-damaged facilities):

None.

Hazard Mitigation Grant Program
(Assistance to State and local governments and certain private nonprofit organizations for actions taken to prevent or reduce long term risk to life and property from natural hazards):

All counties in the State of Rhode Island are eligible to apply for assistance under the Hazard Mitigation Grant Program.

Other:

Additional designations may be made at a later date after further evaluation.

More information about Rhode Island Severe Storms and Flooding

Last Modified: Tuesday, 30-Mar-2010 10:40:50