Part 3 How to advocate for your Forced Mortgage Payoff by teaming up with others to make a stronger voice.

Part 3: How to advocate for your Forced Mortgage Payoff by teaming up with others to make a stronger voice.

Part 3 is about finding others with the same issue, even the same policy makers. Once you team up you will find your voices are stronger together. Your state will be working against you individually. Team up with others and present a stronger case.

By Murray Wennerlund published 1-24-2020 updated 11-3-2022

Mortgage / Lender used NFIP Flood Insurance to payoff your mortgage.

Also known as: "Forced Mortgage Payoff" by FEMA 2011 policies.

If your household has had NFIP Flood insurance used to pay off your mortgage and is listed as a Duplication of Benefits (DOB) and the state has refused you the waiver as published in HUD Guidance June 20, 2019 this notice is for you.

In this part you need to all send your message via a single spokesperson that can clearly describe your issue, identify current policy and corrective action that supports your argument.

Email me your first and last name with your account number so I can include it with a follow up letter to the states legal department.

It's at this point we now use our names and share with the state the issue we find with the state itself. If the HUD policy published June 20, 2019 has not been added to the Homeowners Assistance Manual and the state continues to use FEMA policy that was designed to work with the SBA Disaster loan program we have to force the state to comply with HUD's guidance or report the state as you did in Part 2 to HUD OIG which does not answer to local HUD offices in New Orleans or in Baton Rouge. The time it takes to use HUD OIG is often much longer than it takes to simply argue the logical path to take.

You are being formally asked to reply with your full name and account number if you are interested in joining others to have the state of Louisiana follow HUD Guidance June 20, 2019 regarding NFIP Flood insurance money being used by mortgage lenders to pay off the unpaid balances of your mortgage when your home is substantially damaged, condemned and in need of reconstruction.

Housing and Urban Development Guidelines of June 20, 2019 state:

FUNDS ARE NOT AVAILABLE TO AN APPLICANT IF THE APPLICANT DOES NOT HAVE LEGAL CONTROL OF THE FUNDS WHEN THE ARE RECEIVED.

Resource Links:

Research Resources:

Allocations for Community Development Block Grant Disaster Recovery and Implementation of the CDBG-DR Consolidated Waivers and Alternative Requirements Notice.
A Notice by the Housing and Urban Development Department on 02/03/2022

Additional reading from TruckAndTools.Com

Thank you for reading. Use the message form below to send your Comment, Suggestion, Feedback, Opinion and Content Request.

Restore Louisiana Hurricane Ida processing grinds to a stop over Environmental Reviews not being processed.

Your Environmental Impact and Review Report has to be completed before your state can calculate your HUD CDBG-DR grant. Who is responsible for Environmental Review and Impact Reports for Hurricane Ida households and why are they delayed by months?

By Murray Wennerlund published 3-29-2023 updated 3-29-2023
| |

Restore LA OCD-DRU Official Elevation Allowance Calculator for approved elevation reimbursement

Disaster victims that were forced to demolish their homes and elevate above Base Flood Elevation plus 2 feet were sent a Restore LA OCD-DRU Solution 2 Reconstruction and Elevation Allowance calculator.

By Murray Wennerlund published 11-1-2022 updated 11-1-2022
| | |

Restore Louisiana Interior and exterior 504/ADA accommodations, you must plan ahead to receive them.

After the 2016 floods many households that required ADA accommodations found themselves being denied by case managers of the Restore Louisiana Homeowners Program because of documentation. The state after 6 years seems to have fixed the bureaucracy a bit.

By Murray Wennerlund published 10-21-2022 updated 10-21-2022
| | |

Rental assistance is available to those facing financial hardship due to a declared disaster

During disasters you may find yourself in financial hardship due to the loss of income during the disaster period or you are paying for secondary housing while your primary location is being repaired.

By Murray Wennerlund published 10-5-2022 updated 10-5-2022
| | |

Disaster Unemployment Assistance (DUA) for Independent Contractors, Self-Employed and others

If you are unable to work after your area was impacted by a federally declared major or severe disaster you are most likely eligible for unemployment compensation even if you havent paid for unemployment compensation while self employed.

By Murray Wennerlund published 10-4-2022 updated 10-4-2022
| | |

Restore Louisiana Homeowner Program OCD-DRU Grant Recapture Procedures

The State of Louisiana has been perfecting recapture processes since Hurricane Katrina. Recaptured funds from homeowners means more to the state coffers and more disaster debt to homeowners. Learn the signs you are at risk of recapture before it happens.

By Murray Wennerlund published 9-25-2022 updated 9-29-2022
| | |

Ineligible Due to Non-Responsiveness and Ineligible Due to Failure to Provide Required Documentation

HUD CDBG-DR Grants for Disaster Recovery You have the right to appeal. Your state will list how many days you have to respond to any communications.

By Murray Wennerlund published 8-14-2022 updated 8-14-2022
| | | |

Does the Restore Louisiana OCD-DRU HUD Grant program offer a Scheduled Draw payment?

HUD CDBG-DR Grants designed to be distributed as a drawdown to funds allocated for rebuilding are now only used to reimburse expenses of finished repairs. This is to reduce 0.4 fraudulent use of grant funds by creating income segregation.

By Murray Wennerlund published 8-14-2022 updated 9-25-2022
| | | |