HUD CDBG-DR offers a program called, "Interim Mortgage Assistance."
Your state Grantee can at anytime after the declared disaster request this program be activated by HUD.
The Interim Mortgage Assistance is designed to help you save money for your repairs by paying for your mortgage during the period of time you can not inhabit your home.
HUD offers up to $3,000 per month for 20 months with a total payout capped at $60,000.
Many state grantees like here in Louisiana will not offer this early in the program from what looks like a fear to pay too much to homeowners assistance. This type of thinking by elected and appointed persons isn't placing the homeowner first in their disaster recovery process.
I am collecting information to present to HUD the issue we face with state grantees not providing this assistance early on in the recovery processes.
I am also collecting this information to present to Louisiana Governor the reason current policy should be at a minimum uncapped and retro to the date the restore program informed the homeowner if any additional repairs are made they will not be eligible for reimbursement. This clearly ended work for many homeowners with mortgage payments.
Policy also doesn't address those that lived with friends and family. Lived on their property in their personal RV's, campers, tents and their vehicles while paying a mortgage payment monthly on a home they could not safely live in.
The documents that I am in search of may have the following:
"By signing below, I/we acknowledge, and certify that I/we have been informed by a representative(s) of the Restore Louisiana Homeowners Assistance Program, that I/we may continue to make repairs to my/our home after the date of this Damage Assessment Inspection; however, any such repairs made after the date of this Damage Assessment Inspection are NOT eligible for reimbursement pursuant to the rules and regulations promulgated by the United States Department of Housing and Urban Development with respect for CDBG-DR grants. I/we acknowledge that, unless and until, any rules that establish the last date, after which, repairs made by me/us to our house ceases to be eligible for reimbursement as set forth in HUD Notice CPD-15-07, Dated 09/15/15, are extended by HUD, any repairs made by me/us after the date hereof will not be eligible for reimbursement under the Restore Louisiana Homeowners Assistance Program."
If you or someone you know was told to stop repairs and could not re-enter their home to live and continued to pay a mortgage please have them contact me using our contact page.
This applies to all states with a federal declared disaster currently working the HUD CDBG-DR grant program.
- Grantee Damage Assistance and Determination Inspection.