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    03-05-2022 Micky Garus

Good Morning Salem With Stacey Ann

Good Morning Salem 10-8-2020 Hour 2

todayOctober 8, 2020

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Good Morning Salem with special guests: Shirley Jann Tracey with FEMA, Federal Emergency Management Agency, Bill Koontz with Small Business Administration and Lauren Wirtis with Oregon Department of Quality. With a resources for families impacted by loss due to Wildfires.

FEMA: Federal Emergency Management Agency.

Small Business Association:

SBA Talking points

  • For Homeowners – Renters – Businesses – Private Non-Profits
  • No cost to apply for a low-rate SBA disaster loan
  • No obligation to accept an approved loan
  • You must apply by Nov. 16
  • Even if you think you may not qualify for an SBA disaster loan, apply anyway –
    • if SBA cannot approve your loan, SBA can refer you back to FEMA for the final part of FEMA’s grant program
  • SBA disaster loans are for uninsured or under-insured losses
  • SBA funds are available for mitigation – for relocation – for refinancing your current bank loan (in some cases)
  • SBA can lend for your insurance deductible
  • SBA can lend for debris removal, landscape repair, pool damage, underground plumbing pipes

What Types of Disaster Loans are Available?

  • Business Physical Disaster Loans – Loans to businesses to repair or replace disaster-damaged property owned by the business, including real estate, inventories, supplies, machinery and equipment. Businesses of any size are eligible. Private, non-profit organizations such as charities, churches, private universities, etc., are also eligible.
  • Economic Injury Disaster Loans (EIDL) – Working capital loans to help small businesses, small agricultural cooperatives, small businesses engaged in aquaculture, and most private, non-profit organizations of all sizes meet their ordinary and necessary financial obligations that cannot be met as a direct result of the disaster. These loans are intended to assist through the disaster recovery period.
  • Home Disaster Loans – Loans to homeowners or renters to repair or replace disaster-damaged real estate and personal property, including automobiles.

What are the Credit Requirements?

  • Credit History – Applicants must have a credit history acceptable to SBA.
  • Repayment – Applicants must show the ability to repay all loans.
  • Collateral – Collateral is required for physical loss loans over $25,000 and all EIDL loans over $25,000. SBA takes real estate as collateral when it is available. SBA will not decline a loan for lack of collateral, but requires you to pledge what is available.
Home Loans As low as 1.188%
Business Loans As low as 3.000%
Non-Profit Organizations As low as 2.750%

Survivors must first contact the Federal Emergency Management Agency at www.disasterassistance.gov.

Applicants may apply online, receive additional SBA disaster assistance information and download SBA applications at https://disasterloanassistance.sba.gov/.

Applicants may also call SBA’s Customer Service Center at (800) 659-2955 or email FOCWAssistance@sba.gov

for more information on SBA disaster assistance. Individuals who are deaf or hard‑of‑hearing may call (800) 877-8339.

Oregon Department of Quality:

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    Good Morning Salem 10-8-2020 Hour 2 stacey

Written by: stacey

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