Major Disaster Declaration pertaining to additional wildfires in California.

FEMA Declared Disaster in California

On October 16, 2020, FEMA announced a Major Disaster Declaration pertaining to additional wildfires in California, with an incident date of October 6, 2020. No incident end date has been declared at this time.

As of October 16, 2020, seven (7) counties have been identified and designated for Individual Assistance from FEMA.

1. Fresno


2. Los Angeles


3. Madera


4. Mendocino


5. San Bernardino


6. San Diego


7. Siskiyou

Requirements in the Following Zip Codes

For conventional and VA loans, the following zip codes are eligible for purchase, and will require either an inspection or appraisal, or Borrower’s Attestation or Veteran’s Certification as noted below. Refer to Chapter 15, Disaster Policy for full requirements.

Conventional Loans

The following zip codes will require an inspection or appraisal for conventional loans, as applicable.

County	Zip Codes Eligible for Purchase with Inspection or Appraisal per the Disaster Policy
Fresno	· 93602	· 93664	· 93667
Los Angeles	91006, 91010, 91011, 91016, 91023, 91024, 91390, 91702	· 93532, 93536,   93543, 93544,   93550, 93552	· 93553, 93563
Madera	· 93604 · 93643	· 93644	· 93669
Mendocino	· 95428
San Bernardino	· 92305 · 92339	· 92359	· 92399
San Diego	· 91901 · 91917	· 91935	· 91963
Siskiyou	· 96039	· 96086

The remaining zip codes in the above counties will not require an appraisal or inspection for conventional loans, but will still require:

Conventional:

• Borrower attestation, signed and dated, that there is no damage and they agree to the closing and funding of the loan


• Interior and exterior photos of subject property


• Evidence of acceptable insurance policy in place

FOR QUESTIONS

Please contact your CMAC Lending AE sales representative with any questions.