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Several Good Reasons to Apply for an SBA Low-Interest Disaster Loan

MONTGOMERY, Ala. – Some disaster survivors think that U.S. Small Business Administration loans are only for businesses. That is not the case – it is the primary source of federal funds for long-term recovery assistance for disaster survivors.

SBA offers disaster loans at rates as low as 2.188 percent to homeowners and renters, at 4 percent for businesses of all sizes and at 2.625 percent for private nonprofit organizations for physical damage from the April 28 through May 5 severe storms, tornadoes, straight-line winds and flooding in the following Alabama counties: Baldwin, Blount, DeKalb, Etowah, Jefferson, Lee, Limestone, Mobile and Tuscaloosa counties.

Economic injury disaster loans also are available to provide working capital to eligible small businesses and nonprofit organizations located in the counties listed above and the adjacent counties.

There are good reasons for FEMA applicants who have been contacted by SBA to submit a completed disaster loan application before the July 1, 2014 deadline. Reasons include:

A future insurance settlement may fall short. Survivors may find out they are underinsured for the amount of work it takes to repair or replace a damaged home. An SBA low-interest loan can cover the uninsured costs. By submitting the loan application, survivors may have loan money available when it is needed. SBA can approve a loan for the repair or replacement of a home up to $200,000. The loan balance will be reduced by a survivor’s insurance settlement. However, the opportunity for an SBA disaster loan will be lost if they wait until after the application deadline.
SBA can help renters repair or replace disaster damaged personal property. Renters as well as homeowners may borrow up to $40,000 to repair or replace clothing, furniture, appliances and damaged vehicles.
By submitting an SBA loan application, survivors keep the full range of disaster assistance available as an option. SBA may refer applicants who do not qualify for a home loan to FEMA for “Other Needs” grants to replace essential household items, replace or repair a damaged vehicle, cover medical, dental and funeral expenses and other serious disaster-related needs. But if survivors do not submit their disaster loan applications, the assistance process stops. Survivors are not required to accept a loan offer.

For more information, homeowners, renters and businesses may call the SBA at 800-659-2955 (TTY 800-877-8339), send an email to DisasterCustomerService@SBA.gov or visit SBA.gov/Disaster. Survivors can complete disaster loan applications online at https://DisasterLoan.SBA.gov/ELA.

Survivors who have not yet registered with FEMA can do so online at DisasterAssistance.gov with a mobile device at m.FEMA.gov or by calling the FEMA helpline at 800-621-3362 (FEMA). TTY 800-462-7585.

The deadline to register for disaster assistance and an SBA loan is July 1, 2014 for property damage. The deadline for Economic Injury Disaster Loans is February 2, 2015.

The Federal Emergency Management Agency and the U.S. Small Business Administration offer assistance programs for homeowners, renters, and business owners in nine Alabama counties designated for Individual Assistance.

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Several Good Reasons to Apply for an SBA Low-Interest Disaster Loan

Recovery Center in Jefferson County to Become an SBA Disaster Loan Outreach Center June 14

MONTGOMERY, Ala. – The FEMA Recovery Center at the Maurice C. West Community Center in Graysville in Jefferson County will become an SBA Disaster Loan Outreach Center at the Graysville Public Library, Saturday, June 14 at 9 a.m.

The SBA Disaster Loan Outreach Center will be open 9 a.m. to 1 p.m. on Saturday, then, Monday through Friday, 9 a.m. to 6 p.m.

The SBA Center will have both SBA and FEMA staff on hand.

The Center will be located at Graysville Public Library, 315 South Main St., Graysville, AL, 35073.

After the FEMA center becomes an SBA center, survivors will still be able to contact FEMA online at DisasterAssistance.gov, via smartphone at m.fema.gov or by phone at 800-621-3362; TTY 800-462-7585. Multilingual operators are available.

The deadline to register for federal disaster assistance and apply for SBA disaster loans is July 1, 2014.

The SBA offers low-interest disaster loans to homeowners, renters, businesses of all sizes and private nonprofit organizations to repair or replace uncompensated losses. The SBA may lend up to $200,000 to repair or replace homes and up to $40,000 to repair or replace personal property.

Loans to businesses, including nonprofits, are available up to $2 million to repair or replace disaster damaged real estate, and other business assets. Eligible businesses and non-profits can apply for Economic Injury Disaster Loans to help meet working capital needs caused by the disaster.

The deadline for SBA Economic Injury Disaster Loan applications is February 2, 2015.

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Recovery Center in Jefferson County to Become an SBA Disaster Loan Outreach Center June 14

Recovery Center in Jefferson County to Close June 6; Re-Opens June 7 as an SBA Center

MONTGOMERY, Ala. – The Disaster Recovery Center at Lawson State Community College in Jefferson County will re-open as an SBA Disaster Loan Outreach Center in the same location on Saturday, June 7 at 9 a.m. The Center will be open 9 a.m. to 1 p.m. on Saturday, then, Monday through Thursday, June 12, from 9 a.m. to 6 p.m.

The SBA Center will have both SBA and FEMA staff on hand.

The Disaster Recovery Center is located at Lawson State Community College, 1100 Ninth Ave. SW, Bessemer, AL. The Recovery Center will be open 8 a.m. to 6 p.m. through Friday, June 6.

After the center closes, survivors will still be able to contact FEMA online at DisasterAssistance.gov, via smartphone at m.fema.gov or by phone at 800-621-3362; TTY 800-462-7585. Multilingual operators are available. Survivors may also visit any of the open Recovery Centers.

The deadline to register for federal disaster assistance is July 1, 2014.

Recovery Centers in Alabama are currently open Monday through Saturday, 8 a.m. to 6 p.m. in the following locations:

Baldwin County

Elberta Town Hall,10352 Main St., Elberta, AL 36530
Fairhope Civic Center (Delchamps Room), 161 North Section St., Fairhope, AL 36532

Jefferson County:

Maurice C. West Community Center, 171 Second St. SW, Graysville, AL 35073
Lawson State Community College, 1100 Ninth Ave. SW, Bessemer, AL 35022
(An SBA Disaster Loan Outreach Center opens Sat., June 7 from 9 a.m. to 1 p.m.; 9 a.m. to 6 p.m. Mon. through Thu., June 12.)

Limestone County:

Ripley Woodmen of the World Hall, 11281 Ripley Road, Athens, AL 35611

Mobile County:

Old Navy/Marine Corps Reserve Center, 4851 Museum Dr., Mobile, AL 36608

Loans to businesses, including non-profits are available up to $2 million to repair or replace disaster damaged real estate, and other business assets. Eligible businesses and non-profits can apply for Economic Injury Disaster Loans to help meet working capital needs caused by the disaster. The deadline for Economic Injury Disaster Loans is February 2, 2015.

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Recovery Center in Jefferson County to Close June 6; Re-Opens June 7 as an SBA Center

Agricultural and Aquaculture Businesses May Be Eligible for Disaster Aid

JACKSON, MS – Mississippians engaged in agriculture or aquaculture who sustained damage from recent tornadoes or storms might be eligible for financial assistance for damage or losses occurring during that period.

Along with residents of the 12 counties named in the presidential major disaster declaration for tornado and storm damage April 28 through May 3, they may be eligible for federal help to repair or replace their primary residence.

Additionally, there are federal programs directed specifically at some categories of farm and ranch disaster losses. Those benefits do not require a presidential disaster declaration and thus could be available for storm losses in any Mississippi county.

FEMA grants to help repair damage to a primary residence are available from FEMA’s Individual Assistance program. Additionally, long-term, low-interest disaster assistance loans may be available from the U.S. Small Business Administration (SBA) to help repair or replace their primary residence. The starting point for both funding sources is registration with FEMA.

Individuals and households in those counties can register for FEMA’s Individual Assistance program online at DisasterAssistance.gov, via smartphone or tablet at m.FEMA.gov or by calling the FEMA helpline at 800-621-FEMA (3362). People who are deaf, hard of hearing or have a speech disability and use a TTY should call 800-462-7585. Lines are open 7 a.m. to 10 p.m. (central time) and assistance is available in multiple languages.

Producers who suffered production agriculture losses, including loss of livestock, honeybees, farm-raised fish, orchards, bushes or vines, may be eligible for federal disaster program assistance as well as low-interest farm loans from the U. S. Department of Agriculture. Information is available from local Farm Service Agency offices or USDA Service Centers. For local FSA Service Center contact information, please visit: http://offices.sc.egov.usda.gov/locator/app .

While the SBA is not authorized to provide loans to individual farmers, ranchers or agricultural producers, it is authorized to make Economic Injury Disaster Loans to small agricultural cooperatives or small aquaculture enterprises to help meet working capital needs caused by a disaster.

For more information on SBA disaster loans, visit sba.gov/disaster, send an email to DisasterCustomerService@sba.gov, or call the SBA Disaster Assistance Customer Service Center at 800-659-2955 (TTY 800-877-8339)

For more information on Mississippi disaster recovery, click fema.gov/disaster/4175. Visit the MEMA site at msema.org or on Facebook at facebook.com/msemaorg.

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.

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). If you have a speech disability or hearing loss and use a TTY, call 800-462-7585 directly; if you use 711 or Video Relay Service (VRS), call 800-621-3362.

FEMA’s temporary housing assistance and grants for public transportation expenses, medical and dental expenses, and funeral and burial expenses do not require individuals to apply for an SBA loan. However, applicants who receive SBA loan applications must submit them to SBA loan officers to be eligible for assistance that covers personal property, vehicle repair or replacement, and moving and storage expenses.

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Agricultural and Aquaculture Businesses May Be Eligible for Disaster Aid

As Recovery Centers Transition, Help Continues

EVERETT, Wash. – Starting Monday, May 12, local, state and federal representatives will continue to meet individually with SR530 Slide survivors at the Snohomish County Family Resource Center in Darrington.

At the center, the U.S. Small Business Administration (SBA) will operate a Disaster Loan Outreach Center (DLOC). SBA representatives will continue to answer questions, explain the application process, help homeowners, renters and owners of businesses of all sizes apply for low-interest disaster loans.

Address:

Snohomish County Family Resource Center
1075 Fir St.
Darrington, WA 98241

Hours of operation:

Monday through Friday, 9:30 a.m. to 6 p.m.

SBA’s low-interest, federal disaster loans are available to homeowners, renters, businesses of all sizes and private, nonprofit organizations to repair or replace property damaged or destroyed by the disaster. So far, SBA has approved more than $700,000 in low-interest disaster loans to residents and businesses.

SBA provides federal low-interest disaster loans up to $200,000 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.

Businesses of any size 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 homeowners and businesses to help with the cost of making improvements that protect, prevent or minimize the same type of disaster damage from occurring in the future.

For small businesses 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 regardless of whether the business suffered property damage from the explosion.

Snohomish County has opened a Disaster Information Office in Darrington. The office will be a resource information site; no services will be delivered from this location. To learn more, click: http://www.snohomishcountywa.gov/2358/Resources.

Address:

Disaster Information Center
1075 Darrington St.
Darrington, WA 98241

Hours of operation:

Wednesday, Thursday and Friday from 11 a.m. to 7 p.m.
Saturday from 9 a.m. to 3 p.m.

Through Saturday, May 10 at 6 p.m., disaster survivors can continue to meet individually with local, state and federal representatives at the three recovery centers that have operated since April 7.

Disaster Recovery Center addresses:

Arlington Dept. of Public Works
154 West Cox Ave.
Arlington, WA 98223

Oso Fire Station (Snohomish County Fire Protection District 25 – parking lot)
21824 State Route 530 NE
Arlington, WA 98223

Darrington Ranger District Office (parking lot)
1405 Emens Ave. North
Darrington, WA 98241

Hours of operation:

Monday through Friday 11 a.m. – 8 p.m.
Saturday 10 a.m. – 6 p.m.

Survivors can also ask questions about the disaster assistance process and check the status of their FEMA registration by calling the Washington State Other Needs Assistance help line, (800) 688-3469, or the FEMA help line: (800) 621-3362 or TTY (800) 462-7585.

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As Recovery Centers Transition, Help Continues

Completed SBA Loan Application May Trigger Additional FEMA Grants

EVERETT, Wash. – SR530 Slide survivors who are notified by the U.S. Small Business Administration (SBA) that they may be eligible for low-interest disaster loans should work with the SBA to complete the application, according to officials with the Washington Emergency Management Division (WEMD) and the Federal Emergency Management Agency (FEMA).

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 Washington administers the ONA grant funding for survivors who are not offered an SBA loan but who need additional recovery assistance.

SR530 Slide survivors have only a few weeks remaining to register with FEMA for possible assistance. FEMA registration is possible through June 2. Registration is available online at DisasterAssistance.gov or by phone at (800) 621-3362. TTY survivors should use (800) 462-7585 with Video Relay Service survivors calling (800) 621-3362. Phone lines are open seven days a week from 4 a.m. to 8 p.m., PDT.

The SBA is authorized, when a federal disaster is declared, to offer low interest loans to individual homeowners and renters as well as businesses of all sizes and private nonprofit organizations. Eligible homeowners may receive 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.

Small businesses suffering economic impact due to the SR530 slide 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.

Interest rates for SBA disaster loans can be as low as 2.25 percent for homeowners and renters, 2.625 percent for private nonprofit organizations and 4 percent for businesses, with terms up to 30 years. SR530 Slide survivors have until June 2, 2014 to apply for SBA loans. Small businesses applying for only the EIDL program have until Jan. 2, 2015.

SBAs important phone numbers:

SBA Customer Service Center – (800) 659-2955

TTY – (800) 877-8339

To access online applications click www.sba.gov/disaster.

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Completed SBA Loan Application May Trigger Additional FEMA Grants

Illinois Tornado Recovery News: Capsule of Illinois tornado recovery news for weekly newspapers

Springfield, Ill. – This capsule of recent disaster recovery information is provided by the Federal Emergency Management Agency.

Don’t let misinformation keep you from registering for disaster assistance.

Sometimes unexpected, uninsured expenses arise weeks or even months after a disaster. For example, you might identify additional damage to your home in the spring when temperatures rise and contractors are able to conduct a more comprehensive inspection. If your insurance settlement is delayed, you may qualify for temporary rental assistance if your home is uninhabitable. Or you may exhaust the additional living expenses provided by your insurance company. FEMA and U.S. Small Business Administration disaster assistance may help cover some of these expenses.

Registering with FEMA is quick and easy. You should register even if you have insurance and regardless of your income level or the level of damage your home sustained. Register online at DisasterAssistance.gov, with a mobile device by using the FEMA app or going to m.fema.gov, or by calling 800-621-FEMA (3362). People who are deaf or hard of hearing and use a TTY can call 800-462-7585.

SBA low-interest disaster loans are a major recovery funding source for Illinois.

If you apply for assistance with FEMA and are referred to the SBA, it’s important to submit a low-interest disaster loan application to assure that the federal disaster recovery process continues. You are not obligated to accept a loan, but failure to complete and submit the application may stop the FEMA grant process. Homeowners may be eligible for loans up to $200,000 for repairs. Homeowners and renters may be eligible to borrow up to $40,000 to repair or replace personal property. For businesses, loans are available up to $2 million to repair or replace disaster damaged real estate, and other business assets. Eligible small businesses and non-profits can apply for Economic Injury Disaster Loans (EIDL) to help meet working capital needs caused by the disaster.

You can apply online at DisasterLoan.SBA.gov/ela. For additional information about SBA low-interest disaster loans, contact the SBA Disaster Assistance Customer Service Center by calling 800-659-2955 or TTY 800-877-8339, emailing DisasterCustomerService@sba.gov or visiting sba.gov/disaster.

Rental assistance is available if you have been displaced as a result of the storms.

If you are making repairs to or rebuilding your home, you may be eligible for assistance from FEMA to cover temporary rental expenses if your home is uninhabitable – but you must register with FEMA to be considered. Call 800-621-FEMA (3362) or visit a Disaster Recovery Center if you have questions or need help finding a rental property. You can also go Nestrent.com or IlHousingSearch.org to identify available rental properties.

FEMA decision letters are not the end of the line for disaster assistance.

After registering with FEMA, you will receive a letter explaining the status of your application. The letter may state that you’re ineligible for assistance, but this isn’t necessarily a final decision. It is important to read the entire letter carefully because it states exactly what needs to be submitted for potential federal assistance. If you have insurance, you must submit all of your insurance information for FEMA to review your eligibility. Sending your insurance declaration page is not sufficient. You need to submit actual insurance settlement information. If you are unsure of how to obtain this document, contact your insurance company, call the FEMA helpline (800-621-FEMA) or visit a Disaster Recovery Center. Insurance documents will be reviewed, then an inspector may arrange a visit to the damaged home or apartment to determine if there are uninsured, eligible losses. Federal disaster assistance may assist in covering some expenses not covered by insurance. You can appeal FEMA’s decision. Appeals must be filed within 60 days of the date of the determination letter. More information is available by calling 800-621-FEMA (3362) or by taking the letter to a Disaster Recovery Center. You can locate the nearest center by going to fema.gov/drclocator.

Help is available to repair damaged vehicles.

If you had a vehicle damaged or destroyed in one of the counties affected by the Nov. 17 Illinois tornadoes, you may be eligible for federal disaster assistance. Even if you are not a resident of one of the designated counties, you may still be eligible for this assistance if you were working or visiting one of the counties. You must register with FEMA to be considered for eligibility. In addition to FEMA assistance, homeowners and renters may be eligible to borrow up to $40,000 through SBA’s low-interest disaster loan program to repair or replace personal property, including automobiles damaged or destroyed in the disaster.

Illinois recovery photos and videos available

Visit fema.gov/disasters/4157 to access FEMA’s online library of photos and videos documenting response and recovery efforts to the Nov. 17 storms and tornadoes in Illinois. The page also includes updated information and important messages regarding Illinois’ recovery.

NEWS DESK: 217-522-2080

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Illinois Tornado Recovery News: Capsule of Illinois tornado recovery news for weekly newspapers

Boulder Disaster Recovery Center to Close

DENVER – The last Disaster Recovery Center (DRC) for the September Colorado severe storms, flooding, landslides and mudslides is closing permanently at 3 p.m., MST, Saturday, Dec. 21.

BOULDER COUNTY

Premier Credit Union Building

5495 Arapahoe Ave.

Boulder, CO 80303

Hours: Monday through Friday, 9 a.m. to 6 p.m.; Saturday, 9 a.m. to 3 p.m., MST

After the center closes, disaster survivors can call the Federal Emergency Management Agency (FEMA) at 800-621-3362 to have questions answered about their disaster assistance registration, check their application status, or update their insurance claim or contact information. A FEMA representative is available at the toll-free number from 5 a.m. to 8 p.m., MST, seven days a week.

Anyone with questions concerning a loan from the U.S. Small Business Administration (SBA) or for information about SBA programs, go to sba.gov/disaster or call (800) 659-2955, press 2 for Spanish (TTY 1-800-977-8339).

Small businesses and most private nonprofits without physical losses have until June 16, 2014, to apply for Economic Injury Loans only.

In all, 24 DRCs were opened to help Colorado residents who had damage due to the severe weather in September.

DRCs are operated by the Colorado Office of Emergency Management and FEMA in partnership with the U.S. Small Business Administration (SBA), county and local governments.

Multilingual phone operators are available on the FEMA Helpline. Choose Option 2 for Spanish and Option 3 for other languages. People who have a speech disability or are deaf or hard of hearing may call (TTY) 800-462-7585.

m.fema.gov in the browser.

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Boulder Disaster Recovery Center to Close

Disaster Recovery Centers transitioning to Disaster Loan Outreach Centers in Nassau and Suffolk Counties

NEW YORK – Four Disaster Recovery Centers in Nassau and Suffolk counties will become Disaster Loan Outreach Centers beginning at 9 a.m., Wednesday, May 1.

The centers, operated by the U.S. Small Business Administration, will be open Monday through Friday, 9 a.m. to 6 p.m., and Saturday, 9 a.m. to 3 p.m.

A disaster loan outreach center focuses on funds needed for long-term rebuilding and recovery. Homeowners, renters and businesses will be able to talk individually with SBA representatives. Specialists from the Federal Emergency Management Agency will also available.

At these centers:

Businesses of any size and certain nonprofits with or without physical damage may apply for an Economic Injury Disaster Loan (EDIL), a working capital loan for disaster-related cash flow problems.
Businesses, homeowners and renters may check on the status or ask any questions about their SBA disaster loan application.
Applicants may check the status of their FEMA registration and get clarification of any written correspondence received.

Below is a list of locations transitioning to Disaster Loan Outreach Centers:

COUNTY	ADDRESS
Nassau County	Recreation Center and Ice Arena 700 Magnolia Blvd., Long Beach, NY 11561
Nassau County	Island Park Village Hall (LIRR) parking lot 127 Long Beach Rd., Island Park, NY 11558
Nassau County	Cedar Creek Park Merrick Rd. East, Seaford, NY 11783
Suffolk County	Copiague Memorial Library 50 Deauville Blvd., Copiague, NY 11726

For assistance with SBA disaster loan application, call the SBA Disaster Customer Service Center at 800-659-2955 (TTY 800-877-8339) or send an email to DisasterCustomerService@sba.gov.

For more information on New York’s disaster recovery, visit www.fema.gov/SandyNY, www.twitter.com/FEMASandy, www.facebook.com/FEMASandy, www.fema.gov/blog.

Source:

Disaster Recovery Centers transitioning to Disaster Loan Outreach Centers in Nassau and Suffolk Counties

NEW YORK – Four Disaster Recovery Centers in Nassau and Suffolk counties will become Disaster Loan Outreach Centers beginning at 9 a.m., Wednesday, May 1.

The centers, operated by the U.S. Small Business Administration, will be open Monday through Friday, 9 a.m. to 6 p.m., and Saturday, 9 a.m. to 3 p.m.

At these centers:

Businesses of any size and certain nonprofits with or without physical damage may apply for an Economic Injury Disaster Loan (EDIL), a working capital loan for disaster-related cash flow problems.
Businesses, homeowners and renters may check on the status or ask any questions about their SBA disaster loan application.
Applicants may check the status of their FEMA registration and get clarification of any written correspondence received.

Below is a list of locations transitioning to Disaster Loan Outreach Centers:

COUNTY	ADDRESS
Nassau County	Recreation Center and Ice Arena 700 Magnolia Blvd., Long Beach, NY 11561
Nassau County	Island Park Village Hall (LIRR) parking lot 127 Long Beach Rd., Island Park, NY 11558
Nassau County	Cedar Creek Park Merrick Rd. East, Seaford, NY 11783
Suffolk County	Copiague Memorial Library 50 Deauville Blvd., Copiague, NY 11726

For assistance with SBA disaster loan application, call the SBA Disaster Customer Service Center at 800-659-2955 (TTY 800-877-8339) or send an email to DisasterCustomerService@sba.gov.

For more information on New York’s disaster recovery, visit www.fema.gov/SandyNY, www.twitter.com/FEMASandy, www.facebook.com/FEMASandy, www.fema.gov/blog.

Source:

Disaster Recovery Centers transitioning to Disaster Loan Outreach Centers in Nassau and Suffolk Counties

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