Louisiana Retirees are taking the fight in front of the Restore Task Force with proof the system is flawed.

image

Hundreds of Louisiana families are fighting our states Office of Community Development over the Duplication of Benefits determination policy that our state currently has in place.

By Murray Wennerlund published 7-12-2018 updated 7-12-2018 3 min. 46 seconds read viewed 866 times. Download PDF


Hundreds of Louisiana families are fighting our state's Office of Community Development over the Duplication of Benefits determination policy that our state currently has in place.
(LA OCD-DRU Policy DOB Policy Post)

I am here today to present to the Restore Louisiana Homeowner Assistance Program Task Force just one example case, and that is of Mr. Wallace and Mrs. Janette Aultman of Prairieville, Louisiana.

Mr and Mrs. Aultman, a retired couple of moderate income, own their home within the Amite river floodplain and are victims of the 2016 floods.
(Low to Moderate Income)

The Aultman's and all Louisiana flood victims were directed by the State of Louisiana to register with FEMA and start the disaster recovery process. FEMA then gave each of us a FIT (Failed Income Test) and if we past the FIT we were then directed to apply for an SBA loan.

In the next few minutes I would like to share with you one demographic and that is our "Retirees" but, the information I am covering touches all demographics in the state of Louisiana.

Our retirees have worked for years, paid off their homes, many of them have fantastic credit scores and great credit history.

That's all they needed to qualify for loans over $120,000 without asking the SBA disaster loan program twice. The SBA loan approval process is very relaxed and the loan amounts are truly better than any home mortgage or private lender will ever offer you.

Our OCD-DRU people are trained each year on HUD policy and procedures and very little is offered about how other agencies process applicants. Why would the OCD-DRU be interested in a FIT from FEMA or the Summary Decline Worksheet (SBA Form 2122) from the SBA?
It's just not in the OCD-DRU Scope Of Work (SOW).
But that's not to say processes from other agencies aren't mentioned during training sessions like in the April 2016 Duplication of Benefits Webinar training provided by ICF consultants working on behalf of HUD.
Bonnie Lester the presenter of the CDBG-DR webinar stated and I'll quote: "It's reasonable to think that SBA sort of did underwriting to see if the beneficiary met certain requirements, if they could afford to repay the loan, all of those things." It was this line that lead me to read the SBA Disaster Loan Standard Operating Procedure Manual.
I wanted to find out just what the SBA is looking for when they offer up $120,000 loans to our retirees.

The People of Louisiana have to trust the system and we have to trust that our state employees working in the OCD-DRU are receiving the best training possible and the best most accurate data to assist them with their jobs.

I am not here to point a finger, I am here to offer a solution that our state can today vote on and act on without the need of HUD policy approval or any edits to our current policy. We just need to follow the policies we have in place to the letter and push through our disaster recovery from the 2016 floods.


Exhibits: Grant Award | Document Dear Borrower | Data Feed Data Table | CDBG-DR Training link

Comment | Suggestion | Feedback

DRRA Disaster Recovery Reform Act of 2018 , 2019 , 2020, 2021 to 2022 Homeowners Perspective

Each year new disasters offer the opportunity for politicians to create new bills that do little more than pump tax dollars into the same dysfunctional programs we have had since 1954.

by Murray Wennerlund published 1/15/2022 4 min. 9 seconds read

Continue Reading


Promote a Safe and Healthy workplace environment

If you build a safe, hostile free work environment you will find workers are more willing to return to work than to remain on Federal Pandemic Unemployment Compensation assistance. Too many studies show those willing to work will work.

by Murray Wennerlund published 5/11/2021 1 min. 9 seconds read

Continue Reading


Two unemployment programs that the state of Louisiana Workforce should launch.

Short-Time Compensation and Partial Unemployment Insurance assistance. Federally funded American Rescue Act Plan of 2021 that could strength local economy while building back the labor force at a manageable and economically based pace.

by Murray Wennerlund published 5/11/2021 2 min. 56 seconds read

Continue Reading


Is the increased cost of building materials in 2020, 2021 making your disaster recovery impossible to afford?

Do you know HUD 2019 Guidance? Have you researched the meaning of, "Reassess Unmet Need When Necessary". Has your state informed you of their reassessment processes? Can you manage the additional cost caused by the 2020, 2021 pandemic economic downturn?

by Murray Wennerlund published 3/6/2021 updated 3-21-2021 4 min. 22 seconds read

Continue Reading


Louisiana playing the insiders game taking disaster funds from the taxpayers and giving it to it's contractors

Nationally we are seeing just how simple it is to take back funds allocated to help during a disaster. From a federal level all the way down to state levels, disaster allocations are always looked at as a pot of gold for local government as long as they..

by Murray Wennerlund published 11/30/2020 updated 1-15-2022 2 min. 30 seconds read

Continue Reading


RE: Secretary Steven T. Mnuchin on Status of Facilities Authorized Under Section 13(3) Federal Reserve Act

With a congress knowledgeable of the issues caused by the pandemic it is clear to me we can allocate the funds you have removed very quickly and more efficiently than before. This time we can get the money in the hands of business owners at a local level.

by Murray Wennerlund published 11/29/2020 updated 1-11-2022 1 min. 20 seconds read

Continue Reading


The 2020 pandemic disaster intensifies past disaster by pushing up the costs to rebuild by over 80% nationally

What started as a calm murmur of the possibility that disaster victims will be paying more for materials to recover after a disaster has turned into a loud distress siren. Between pandemic caused reduction in soft wood production and 20 import tariffs.

by Murray Wennerlund published 8/29/2020 updated 8-30-2020 4 min. 11 seconds read

Continue Reading


Pandemic Unemployment Assistance, Disaster Unemployment Assistance and Unemployment Insurance.

Pandemic Unemployment Assistance, Disaster Unemployment Assistance and Unemployment Insurance.

by Writers Pool published 8/6/2020 updated 1-15-2022 15 seconds read

Continue Reading


What proposals would you make to secure your future during the 2020 / 2021 declared pandemic?

When congress runs out of ways to not do anything for disaster relief they turn to the public and ask if we wouldnt mind if they repeat what the 111th congress did. Is that Ok America? I think its like handing in someones old research project.

by Writers Pool published 8/6/2020 updated 1-15-2022 1 min. 14 seconds read

Continue Reading


You wait for someone else to speak. You think your congressional representatives will focus on your issues.

Do you think by not speaking with your congressional representatives disaster recovery assistance will just magically be created? Do you think our dysfunctional parties then your disaster recovery in mind? Learn the American Political Process and speak.

by Murray Wennerlund published 8/6/2020 3 min. 43 seconds read

Continue Reading