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Louisiana Disaster Survivors May Find An SBA Loan Is the Key To Their Recovery

BATON ROUGE, La. –If you are one of the Louisiana flood and storm survivors referred to the U.S. Small Business Administration (SBA), it’s important to complete and submit the loan application you receive to ensure that your disaster recovery process continues to move forward.

Survivors should complete and return the applications as soon as possible. If you complete and submit the SBA disaster loan application, but do not qualify, it may open the door to other FEMA grants. Homeowners and renters who submit an SBA application, but who are not offered a loan may be considered for FEMA’s Other Needs Assistance program.

The Other Needs Assistance program helps meet essential needs like medical and dental care, funeral costs and transportation expenses. By not submitting the SBA loan application, disaster survivors may be leaving “money on the table” as applying for the loan ensures consideration for Other Needs Assistance if the loan is not granted.

The SBA is the federal government’s primary source of money for the long-term rebuilding of disaster-damaged private property, offering low-interest disaster assistance loans to businesses of all sizes, private nonprofit organizations, homeowners and renters.

Submit an SBA loan application even if you are waiting for an insurance settlement. You may be able to begin your recovery immediately with a low-interest SBA disaster loan. The loan balance will be reduced by the settlement from your insurance. SBA loans may also be available for losses not covered by insurance or other recoveries.

Homeowners may borrow up to $200,000 to repair or replace their primary residence.
Homeowners and renters may borrow up to $40,000 to replace personal property.
Businesses may borrow up to $2 million for any combination of property damage or economic injury.

SBA offers low-interest working capital loans (called Economic Injury Disaster Loans) to small businesses and most private nonprofit organizations of all sizes having difficulty meeting obligations as a result of the disaster.

Survivors should start the loan process as soon as possible.

Survivors who qualify for an SBA loan are under no obligation to accept it.

Survivors can submit their SBA loan application online at https://DisasterLoan.SBA.gov/ela, visiting their nearest Disaster Recovery Center (DRC) or by mailing their paper application to:

U.S. Small Business Administration
Processing and Disbursement Center
14925 Kingsport Road
Ft. Worth, TX 76155-2243

For more information, applicants may contact SBA’s Disaster Assistance Customer Service Center by calling 800-659-2955, emailing DisasterCustomerService@sba.gov or visiting SBA’s website at sba.gov/disaster. Deaf and hard-of-hearing individuals may call (800)877-8339.

Survivors who haven’t yet registered with FEMA can do so online at DisasterAssistance.gov or by calling FEMA’s helpline at 800-621-3362, which is video relay service accessible. Survivors who are deaf, hard of hearing or who have difficulty speaking may call TTY 800-462-7585.

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We urge everyone to continue to use caution in areas where floodwaters remain. Monitor DOTD’s www.511la.org website for updated road closure information. Look for advisories from your local authorities and emergency managers. You can find the latest information on the state’s response at www.emergency.la.gov.

GOHSEP also provides information on Facebook and Twitter. You can receive emergency alerts on most smartphones and tablets by downloading the new Alert FM App. It is free for basic service. You can also download the Louisiana Emergency Preparedness Guide and find other information at www.getagameplan.org.

Disaster recovery assistance is available without regard to race, color, religion, nationality, sex, age, disability, English proficiency or economic status. If you or someone you know has been discriminated against, call FEMA toll-free at 800-621-FEMA (3362). For TTY call 800-462-7585.

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. Follow us on Twitter at https://twitter.com/femaregion6 and the FEMA Blog at http://blog.fema.gov.

The U.S. Small Business Administration (SBA) is the federal government’s primary source of money for the long-term rebuilding of disaster-damaged private property. SBA helps businesses of all sizes, private non-profit organizations, homeowners and renters fund repairs or rebuilding efforts and cover the cost of replacing lost or disaster-damaged personal property. These disaster loans cover losses not fully compensated by insurance or other recoveries and do not duplicate benefits of other agencies or organizations. For more information, applicants may contact SBA’s Disaster Assistance Customer Service Center by calling (800) 659-2955, emailing disastercustomerservice@sba.gov, or visiting SBA’s Web site at www.sba.gov/disaster. Deaf and hard-of-hearing individuals may call (800)877-8339.

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Original article:

Louisiana Disaster Survivors May Find An SBA Loan Is the Key To Their Recovery

Disaster Recovery Center Opens in Liberty County for Texans

AUSTIN, Texas – A State/FEMA Disaster Recovery Center (DRC) is now open in Liberty County for homeowners, renters and business owners who sustained damage as a result of the severe storms, tornadoes, straight-line winds and flooding from Oct. 22 to Oct. 31.

Specialists from the State of Texas, the Federal Emergency Management Agency (FEMA), the U.S. Small Business Administration (SBA), nongovernmental organizations and the local community are on hand to answer questions and provide information on the types of assistance available to survivors.

All Disaster Recovery Centers are accessible and equipped to accommodate disaster survivors who need disability-related communication aids.

The DRC’s location and normal operating hours are as follows:

Liberty County Community Center

318 San Jacinto St.

Liberty, TX 77575

9 a.m. to 6 p.m. Monday – Friday
9 a.m. to 2 p.m. Saturday
Closed Sunday
All DRCs will close at 2 p.m. on Dec. 31 and will be closed for the holiday Jan. 1 to Jan. 3

Disaster survivors who have questions may call the FEMA Helpline, except on Jan. 1.

Visiting a DRC is not required to register for FEMA assistance. Survivors can apply online at DisasterAssistance.gov or by phone (voice, 711 or relay service) at 800-621-3362. (TTY users should call 800-462-7585.) The toll-free lines are open 7 a.m. to 10 p.m. seven days a week except Jan. 1.

If possible, register for FEMA assistance by phone or online before visiting a center. Going to a DRC is not a requirement of registration, but specialists there can provide guidance regarding disaster recovery and rental resources, explain written correspondence received from FEMA, inform survivors of the status of their application, make referrals to other organizations and answer questions.

When registering applicants will be asked to provide:

Social Security number
Address of the damaged primary residence
Description of the damage
Information about insurance coverage
A current contact telephone number
An address where they can receive mail
Bank account and routing numbers for those preferring direct deposit of funds

The presidential disaster declaration of Nov. 25 makes federal assistance available to eligible individuals and business owners in 16 counties: Bastrop, Brazoria, Caldwell, Cameron, Comal, Galveston, Guadalupe, Hardin, Harris, Hays, Hidalgo, Liberty, Navarro, Travis, Willacy and Wilson.

Assistance for eligible survivors can include grants for temporary housing and home repairs, and for other serious disaster-related needs, such as medical and dental expenses or funeral and burial costs. Also, low-interest disaster loans from the SBA are available for Businesses of all sizes (including landlords), private nonprofits, homeowners and renters.

Low-interest disaster loans help fund repairs or rebuilding efforts and cover the cost of replacing lost or disaster-damaged personal property. Economic Injury disaster loans are available to businesses and private-nonprofits to assist with working capital needs as a direct result of the disaster.

Eligible survivors should register with FEMA even if they have insurance. FEMA cannot duplicate insurance payments, but under-insured applicants may receive help after their insurance claims have been settled.

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All FEMA disaster assistance will be provided without discrimination on the grounds of race, color, sex (including sexual harassment), religion, national origin, age, disability, limited English proficiency, economic status, or retaliation. If you believe your civil rights are being violated, call 800-621-3362 or 800-462-7585(TTY/TDD).

The SBA is the federal government’s primary source of money for the long-term rebuilding of disaster-damaged private property. SBA helps businesses of all sizes, private non-profit organizations, homeowners and renters fund repairs or rebuilding efforts and cover the cost of replacing lost or disaster-damaged personal property. These disaster loans cover losses not fully compensated by insurance or other recoveries and do not duplicate benefits of other agencies or organizations. For more information, applicants may contact SBA’s Disaster Assistance Customer Service Center by calling 800-659-2955, emailing disastercustomerservice@sba.gov, or visiting SBA’s website at www.sba.gov/disaster. Deaf and hard-of-hearing individuals may call 800-877-8339.

Visit www.fema.gov/texas-disaster-mitigation for publications and reference material on rebuilding and repairing safer and stronger.

Continue at source:

Disaster Recovery Center Opens in Liberty County for Texans

Disaster Recovery Center Opens in Cameron County for Texans

AUSTIN, Texas – A State/FEMA Disaster Recovery Center (DRC) is now open in Cameron County for homeowners, renters and business owners who sustained damage as a result of the severe storms, tornadoes, straight-line winds and flooding from Oct. 22 to Oct. 31.

All Disaster Recovery Centers are accessible and equipped to accommodate disaster survivors who need disability-related communication aids.

The DRC’s location and normal operating hours are as follows:

Bob Clark Social Service Center
9901 California Road
Brownsville, TX 78521
9 a.m. to 6 p.m. Monday – Friday
9 a.m. to 2 p.m. Saturday
Closed Sunday
Closed Dec. 23 to Dec. 27 for the Holiday

Disaster survivors who have questions may call the FEMA Helpline.

When registering applicants will be asked to provide:

Social Security number
Address of the damaged primary residence
Description of the damage
Information about insurance coverage
A current contact telephone number
An address where they can receive mail
Bank account and routing numbers for those preferring direct deposit of funds

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Visit www.fema.gov/texas-disaster-mitigation for publications and reference material on rebuilding and repairing safer and stronger.

Disaster Recovery Center Opens in Cameron County for Texans

Disaster Recovery Center Opens in Caldwell County for Texans

AUSTIN, Texas – A State/FEMA Disaster Recovery Center (DRC) is now open in Caldwell County for homeowners, renters and business owners who sustained damage as a result of the severe storms, tornadoes, straight-line winds and flooding from Oct. 22 to Oct. 31.

All Disaster Recovery Centers are accessible and equipped to accommodate disaster survivors who need disability-related communication aids.

The DRC’s location and normal operating hours are as follows:

Allen Bates River Park
Intersection of FM 1979 and Fannin Street
Martindale, TX 78655
9 a.m. to 6 p.m. Monday – Friday
9 a.m. to 2 p.m. Saturday
Closed Sunday
Closed Dec. 23 to Dec. 27 for the Holiday

Disaster survivors who have questions may call the FEMA Helpline.

When registering applicants will be asked to provide:

Social Security number
Address of the damaged primary residence
Description of the damage
Information about insurance coverage
A current contact telephone number
An address where they can receive mail
Bank account and routing numbers for those preferring direct deposit of funds

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Visit www.fema.gov/texas-disaster-mitigation for publications and reference material on rebuilding and repairing safer and stronger.

Continue reading –

Disaster Recovery Center Opens in Caldwell County for Texans

Federal Low-Interest Disaster Loans Offered to Texas Storm Survivors

AUSTIN, Texas – Most Texans who have registered for disaster assistance from the Federal Emergency Management Agency (FEMA), following the October severe storms, tornadoes, straight-line winds and flooding, will receive an automated phone call from the U.S. Small Business Administration (SBA).

FEMA grants may not cover all damage or property loss. Private insurance and low-interest loans from the SBA are major sources of additional funding for disaster recovery.

The recorded message gives instructions on how to request an application for a low-interest disaster loan. Loans are available to help disaster survivors – including businesses, private non-profits, homeowners and renters with recovery efforts – in their recovery efforts.

Businesses of all sizes and nonprofit organizations may borrow up to $2 million to repair or replace damaged or destroyed real estate, machinery and equipment, inventory, and other business assets.

SBA also offers Economic Injury Disaster Loans (EIDLs) to help meet working capital needs caused by the disaster. EIDL assistance is available to businesses regardless of any property damage.

Disaster loans up to $200,000 are available to homeowners to repair or replace damaged or destroyed real estate. Homeowners and renters are eligible for up to $40,000 to repair or replace damaged or destroyed personal property.

SBA provides one-on-one assistance to disaster loan applicants at any of the Disaster Recovery Centers in the affected area. Additional information is available online at sba.gov/disaster or by calling SBA Customer Service Center at 800-659-2955. Deaf and hard-of-hearing persons may call 800-877-8339.

To be considered for all forms of disaster assistance, SBA encourages survivors to first register with FEMA online at DisasterAssistance.gov or by phone (voice, 711 or relay service) at 800-621-3362. TTY users should call 800-462-7585. The toll-free lines are open 7 a.m. to 10 p.m. seven days a week. Multilingual operators are available.

See original article here:

Federal Low-Interest Disaster Loans Offered to Texas Storm Survivors

Disaster Recovery Centers Open in Hidalgo, Willacy Counties for Texans

AUSTIN, Texas – State/FEMA Disaster Recovery Centers (DRCs) are now open in Hidalgo and Willacy Counties for homeowners, renters and business owners who sustained damage as a result of the ongoing severe storms, tornadoes, straight-line winds and flooding from Oct. 22 to Oct. 31.

The DRC locations and hours of operation are:

Hidalgo County

Porter P. Doss Memorial Library

515 S. Kansas Ave.

Weslaco, TX 78596

9 a.m. to 6 p.m. Monday-Friday
9 a.m. to 2 p.m. Saturday

Closed Sunday

Willacy County

693 S. 7^th St.

Raymondville, TX 78580

9 a.m. to 6 p.m. Monday-Friday
9 a.m. to 2 p.m. Saturday

Closed Sunday

Survivors can apply online at DisasterAssistance.gov or by phone (voice, 711 or relay service) at 800-621-3362. TTY users should call 800-462-7585. The toll-free lines are open 7 a.m. to 10 p.m. seven days a week. Applicants will be asked to provide:

Social Security number
Address of the damaged primary residence
Description of the damage
Information about insurance coverage
A current contact telephone number
An address where they can receive mail
Bank account and routing numbers for those preferring direct deposit of funds

The presidential disaster declaration of Nov. 25 makes federal assistance available to eligible individuals and business owners in 15 counties: Bastrop, Brazoria, Caldwell, Comal, Galveston, Guadalupe, Hardin, Harris, Hays, Hidalgo, Liberty, Navarro, Travis, Willacy and Wilson.

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Visit www.fema.gov/texas-disaster-mitigation for publications and reference material on rebuilding and repairing safer and stronger.

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Disaster Recovery Centers Open in Hidalgo, Willacy Counties for Texans

Disaster Recovery Center Opens in Navarro County for Texans

AUSTIN, Texas – A State/FEMA Disaster Recovery Center (DRC) is now open in Navarro County for homeowners, renters and business owners who sustained damage as a result of the ongoing severe storms, tornadoes, straight-line winds and flooding from Oct. 22 to Oct. 31.

The DRC location and hours of operation are:

Navarro Center Mall

800 N. Main St.

Corsicana, TX

9 a.m. to 6 p.m. Monday-Friday
9 a.m. to 2 p.m. Saturday

Closed Sunday

Survivors can apply online at DisasterAssistance.gov or by phone (voice, 711 or relay service) at
800-621-3362. TTY users should call 800-462-7585. The toll-free lines are open 7 a.m. to 10 p.m. seven days a week. Applicants will be asked to provide:

Social Security number
Address of the damaged primary residence
Description of the damage
Information about insurance coverage
A current contact telephone number
An address where they can receive mail
Bank account and routing numbers for those preferring direct deposit of funds

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Visit www.fema.gov/texas-disaster-mitigation for publications and reference material on rebuilding and repairing safer and stronger.

See original –

Disaster Recovery Center Opens in Navarro County for Texans

Four Weeks Left to Apply for Disaster Assistance

Saipan – Only one month remains for Saipan homeowners, renters, and business owners who suffered damages from Typhoon Soudelor to register. Commonwealth and federal officials are urging anyone who still needs to register to do so before the registration deadline of October 5^th.

“The deadline is only a month away and we don’t want anyone with disaster damages to miss this opportunity for assistance,” said Commonwealth Governor Eloy Inos, “Register, get into the FEMA system and let’s find out what you are eligible for.”

Individuals and households on Saipan can register with FEMA by calling 1-800-621-3362; those 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.

Multilingual interpreters are available at the FEMA registration number, including Chinese, Tagalog, Japanese, and Korean.

Survivors can also apply online at www.DisasterAssistance.gov.

Survivors should have the following information when they register:

· Address with zip code

· Directions to property

· Condition of your damaged home

· Insurance information, if available

· Phone number where you can be contacted

· Address where you can get mail

· Social Security Number **If you do not have your SSN card, you can show a Medicare/Medicaid card, W2 form, or filed tax return.

“The October 5 deadline is coming up quickly,” Federal Coordinating Officer Stephen M. DeBlasio Sr., said. “If you know someone who was affected by Typhoon Soudelor, please encourage them to take a few minutes to register with FEMA and learn how we can help them.”

Disaster assistance may include grants to help pay for temporary housing, home repair and other serious disaster-related expenses not covered by insurance or other sources.

US Small Business Administration:

Businesses of all sizes and private nonprofit organizations may borrow up to $2 million to repair or replace damaged or destroyed real estate, machinery and equipment, inventory, and other business assets. SBA can also lend additional funds to businesses and homeowners to help with the cost of improvements to protect, prevent or minimize the same type of disaster damage from occurring in the future.

For small businesses, small agricultural cooperatives, small businesses engaged in aquaculture, and most private nonprofit organizations of any size, SBA offers Economic Injury Disaster Loans (EIDLs) to help meet working capital needs caused by the disaster. EIDL assistance is available to businesses regardless of any property damage.

Interest rates can be as low as 4 percent for businesses, 2.625 percent for private nonprofit organizations and 1.875 percent for homeowners and renters with terms up to 30 years. Loan amounts and terms are set by SBA and are based on each applicant’s financial condition.

For information about SBA programs, applicants may call 1-800-659-2955 (TTY 1-800-877-8339).

For the latest information on CNMI’s recovery from Typhoon Soudelor, visit FEMA.gov/Disaster/4235

Original post:

Four Weeks Left to Apply for Disaster Assistance

Getting Disaster Help from the U.S. Small Business Administration: SBA Representatives available at Disaster Recovery Center

SAIPAN-

WHAT YOU NEED TO KNOW

♦ SBA offers low-interest disaster loans to businesses of all sizes, most private nonprofit organizations, homeowners and renters.

♦ Businesses may borrow up to $2 million for any combination of property damage or economic injury.

♦ SBA offers low-interest working capital loans (called Economic Injury Disaster Loans) to small businesses, small businesses engaged in aquaculture and most private nonprofit organizations of all sizes having difficulty meeting obligations as a result of the disaster.

♦ If you are a homeowner or renter, FEMA may refer you to SBA. SBA disaster loans are the primary source of money to pay for repair or replacement costs not fully covered by insurance or other compensation.

♦ Homeowners may borrow up to $200,000 to repair or replace their primary residence.

♦ Homeowners and renters may borrow up to $40,000 to replace personal property.

WHAT YOU NEED TO DO

♦ Begin by registering with FEMA. If you haven’t already done so, call (800) 621-FEMA (3362) or visit www.disasterassistance.gov.

♦ Homeowners and renters should submit their SBA disaster loan application, even if they are not sure that they will need or want a loan. If SBA cannot approve your application, in most cases they will refer you to FEMA’s Other Needs Assistance (ONA) program for possible additional assistance.

HOW TO APPLY TO SBA

We encourage every individual and business owner to come into the Disaster Recovery Center and speak one-on-one with an SBA Customer Service Representative. Our representatives will answer all of their questions and explain the application process. We will also help each business owner and homeowner complete their application to apply for a low-interest disaster loan.

The SBA is the federal government’s primary source of money for the long-term rebuilding of disaster-damaged private property. SBA helps businesses of all sizes, private non-profit organizations, homeowners, and renters fund repairs or rebuilding efforts and cover the cost of replacing lost or disaster-damaged personal property. These disaster loans cover losses not fully compensated by insurance or other recoveries and do not duplicate benefits of other agencies or organizations. For more information, applicants may contact SBA’s Disaster Assistance Customer Service Center by calling (800) 659-2955, emailing disastercustomerservice@sba.gov, or visiting SBA’s website at www.sba.gov/disaster. Individuals who are deaf or hard of hearing may call (800) 877-8339.

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.

See original article here:

Getting Disaster Help from the U.S. Small Business Administration: SBA Representatives available at Disaster Recovery Center

SBA Provides Low-Interest Loans to Businesses, Private Nonprofits, Homeowners, and Renters

What is an SBA disaster loan?

U.S. Small Business Administration (SBA) disaster loans are the primary source of federal long-term disaster recovery funds for disaster damages not fully covered by insurance or other compensation.

SBA’s Office of Disaster Assistance is working in conjunction with the Texas Division of Emergency Management (TDEM) and the Federal Emergency Management Agency (FEMA) to help business owners and residents recover, as much as possible, from this declared disaster.

Who is eligible for SBA low-interest loans?

When a federal disaster is declared, the SBA is authorized to offer low-interest loans to businesses of all sizes (including landlords) and to individual homeowners, renters, and private nonprofit organizations that have sustained damage in a disaster.

What’s the most common misunderstanding about SBA loans?

The most common misunderstanding about an SBA loan is the assumption that SBA disaster loans are only for businesses. While SBA offers loans to businesses of all sizes (including landlords), low-interest loans are always available to individual homeowners, renters, and to private nonprofit organizations alike.

When should survivors apply?

Residents and business owners should apply right away with SBA as part of the overall federal disaster recovery process, and not wait for insurance claims to settle.

Why should survivors apply?

Survivors who do not follow through with the SBA application process because they feel they cannot afford or do not want a loan may end the recovery assistance process for themselves and lose out on additional FEMA dollars.

Whether a loan is wanted or not, the SBA loan application may trigger additional grant assistance through FEMA’s Other Needs Assistance (ONA) program. The State of Texas

administers the ONA grant funding.

Some of these additional FEMA grants could include reimbursement for lost personal property, vehicle repair or replacement, moving and storage expenses.

What is available as part of the SBA low-interest loan programs?

Eligible homeowners may borrow up to $200,000 for home repair or replacement of primary residences and eligible homeowners and renters up to $40,000 to replace disaster-damaged or destroyed personal property.

Businesses of all sizes can qualify for up to $2 million in low-interest loans to help cover physical damages.

Small businesses and most private nonprofits suffering economic impact due to the severe weather and flooding can apply for up to $2 million for any combination of property damage or economic injury under SBA’s Economic Injury Disaster Loan (EIDL) program.

What are the deadlines to apply?

Texas survivors have until July 28, 2015, to apply for SBA loans. Eligible small businesses applying for only the EIDL program have until February 29, 2016.

Disaster survivors who are notified by the SBA that they may be eligible for low-interest disaster loans should work directly with the SBA to complete the application.

How do I apply?

Disaster survivors are urged to call 800-621-FEMA (3362) to register by phone. They may also go into a local Mobile Registration Intake Center or a Disaster Recovery Center to register with FEMA where they also may talk with SBA representatives. Register online at www.DisasterAssistance.gov or by phone at 800-621-3362. TTY users should call 800-462-7585, with Video Relay Service survivors calling 800-621-3362.

What happens after I apply?

Most survivors who register with FEMA are automatically referred to the SBA. They will then be contacted directly by SBA or via an automated call back.

What are the loan terms?

Interest rates for SBA disaster loans can be as low as 1.688 percent for homeowners and renters, 4 percent for businesses and 2.625 percent for private nonprofit organizations, with terms up to 30 years.

Where do I get specific information about the SBA process?

If you have questions about SBA or the process, or need help to complete the SBA application, help is available. Applicants may contact SBA’s Disaster Assistance Customer Service Center by:

Calling 800-659-2955
Emailing disastercustomerservice@sba.gov
Visiting SBA’s website at www.sba.gov/disaster
Deaf and hard-of-hearing individuals may call (800) 877-8339
Survivors may also visit with an SBA representative at any State/FEMA/SBA recovery center.

Continued here:

SBA Provides Low-Interest Loans to Businesses, Private Nonprofits, Homeowners, and Renters

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