CDBG-DR Community Development Block Grant Disaster Recovery

The 6-month CDBG-DR Grant Process timer for your state started on 1-21-2025.

Stay informed and become your own advocate for disaster damage not covered by insurance and other means. Unused disaster funds from 2023 will be applied to 2024. However, for most of you in 2023, your program is not over and you should be very active.

By Murray Wennerlund published 1-23-2025 updated 1-23-2025
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SBA loan payoff with HUD Grants ends Oct. 5, 2023. File final award of subsidized loan assistance for DRRA.

The ability to reimburse SBA disaster loans with HUD CDBG-DR Grants to homeowners will no longer be allowable because the DRRA loan exception sunsets on October 5, 2023.

By Murray Wennerlund published 9-28-2023 updated 9-28-2023
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FEMA IHP Grants determined to be for temporary repairs of your dwelling so not to depend on housing assistance

FEMA Disaster Assistance for Individuals and Households Program which is provided for temporary repairs of your home so you are not dependent on other housing assistance and is not a Duplication of Benefits DOB to other assistance and HUD CDBG-DR Grants

By Murray Wennerlund published 10-10-2022 updated 10-10-2022
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Legal fees for insurance coverage litigation will be credited as long as you are successful.

Its not done often enough, but more disaster victims are learning its best to hire an attorney on contingency of successfully litigating additional insurance payouts. Always aim for the maximum amount of disaster recovery funds by hiring a lawyer.

By Murray Wennerlund published 10-7-2022 updated 10-7-2022
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Unmet needs must be evaluated for cost changes throughout the rebuilding process.

Your state will from time to time based on influence from your governors office elect to evaluate any increase in disaster recovery costs. Your allowance for sqft may have been 78 dollars adjusted to 87 dollars due to increase costs of materials.

By Murray Wennerlund published 10-5-2022 updated 10-5-2022
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Housing Assistance Program Appeals. How do I know if my mortgage is federally backed or federally secured?

After a disaster you may need housing assistance. You may have had your mortgage broker take your homeowners insurance and paid off your mortgage. You may have found your mortgage company demands a payoff of your mortgage because your homes damage.

By Murray Wennerlund published 9-27-2022 updated 9-27-2022
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What does disaster unmet needs mean?

Unmet needs are all costs related to your recovery that were not covered by other resources.

By Murray Wennerlund published 8-27-2022 updated 9-4-2022
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How to write an appeal to have HUD CDBG-DR grants reimburse NFIP insurance funds used to payoff home mortgage.

How to write an appeal for CDBG-DR reimbursement to cover NFIP insurance funds used by mortgage lenders to payoff mortgage after a disaster left your home substantially damaged. Mortgage lenders will protect their interest with your insurance payment.

By Murray Wennerlund published 5-26-2022 updated 11-3-2022
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After a disaster your insurance may be used by your lender to pay off your mortgage forcible or compulsory.

How to navigate a Forced Mortgage Payoff by your mortgage lender. When your insurance payout is taken by your lender to payoff your mortgage it's to protect the lender from default, property change of ownership.

By Murray Wennerlund published 5-18-2022 updated 11-3-2022
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Mortgage Relief Program for Homeowners Impacted by COVID-19

Homeowner Mortgage Assistance, a U.S. Taxpayer funded program designed to assist individuals and families impacted financially by the COVID-19 pandemic that are at risk of mortgage loan default and have a federally secured mortgage.

By Murray Wennerlund published 1-13-2022 updated 1-14-2022
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