MEMA  Mississippi Disaster Housing Task Force

Mississippi Disaster Housing Task Force


  • Samaritan’s Purse

    Mission Statement: “Samaritan’s Purse is a nondenominational evangelical Christian organization providing spiritual and physical aid to hurting people around the world. Since 1970, Samaritan’s Purse has helped meet needs of people who are victims of war, poverty, natural disasters, disease, and famine with the purpose of sharing God’s love through His Son, Jesus Christ. The organization serves the Church worldwide to promote the Gospel of the Lord Jesus Christ.”

    Samaritan’s Purse is committed to continuing to help families in need by offering a mobile home replacement program.

    • Mobile Home Replacement Program Criteria
    • Homeowner must be a resident who owned their mobile home or a single-family home that was destroyed by the tornado in the March 24th– 25th declared counties.
    • Damaged home must have been a primary residence.
    • Homeowner must be able to afford all taxes and utilities.
    • Homeowner must be willing to use their available FEMA funds and/or insurance money to assist with mobile home purchase if applicable.
    • Homeowner must agree to credit and background checks.
    • Homeowner must be willing to keep and live in the home for five years.
    • Additional Information
    • “Consideration for special needs, such as wheelchair ramps and accessible bathrooms, will be assessed during the building process.”
    • “Priority will be given to homeowners with no insurance or those who are underinsured.”
    • Contact Information (For more information or to schedule an interview)
    • Phone: 828-588-4663
    • Email: adixon@samaritan.org

    US Dept. of Agriculture (USDA)

    Assisting in long-term recovery, USDA has two prominent housing programs under the USDA Rural Development:

    • Single Family Housing Repair Loans & Grants (steady-state program)
    • Grants must be used to remove health and safety hazards.
    • Up to $10,000 for households 62 years of age and older (Waiver has been granted tha will increase the grant amount up to $40,675)
    • Loans up to $40,000 at 1% for 20 years (for those under 62 years of age or households over 62 and older who need additional funds.
    • Conducts community briefings with VALS, LTRCs, etc. on the program.
    • Single Family Housing Direct Home Loans (steady-state program)
    • Assists low- and very-low-income applicants obtain livable, safe, and sanitary housing in eligible rural areas by providing payment assistance to increase an applicant’s repayment ability.
    • Purchase or build with no money down in eligible rural areas.
    • Typically, 33-year term with payment assistance available.
    • Payment assistance is a type of subsidy that reduces the mortgage payment for a short time. The amount of assistance is determined by the adjusted family income.

    Other housing programs include:

    • Single Family Housing Guaranteed Loans (steady-state program)
    • Assists approved lenders in providing low- and moderate-income households the opportunity to own adequate, modest, decent, safe, and sanitary dwellings as their primary residence in eligible rural areas.
    • Eligible applicants may purchase, build, rehabilitate, improve, or relocate a dwelling in an eligible rural area with 100% financing.
    • The program provides a 90% loan note guarantee to approved lenders to reduce the risk of extending 100% loans to eligible rural homebuyers – so no money down for those who qualify!
    • Multifamily Housing Priority Access (available up to 18 months after the declaration date)
    • Impacted disaster survivors with a FEMA Registration number can receive priority access to vacant units or be placed at the top of the waiting list at USDA Rural Development-financed multifamily housing properties. The priority access is valid at any property nationwide, not just those in a disaster-designated state, and is available for up to 18 months from the date of the disaster declaration.
    • Property Information – Applicants interested in a property should contact the property directly to determine if listed vacancies are still available. Not all properties listed include contact information, but a complete list of properties financed by USDA Rural Development, including contact information and other details, is available online at the USDA Rural Development Multifamily Housing Rental website.
    • Income Limits – Low-income limits are available by location on the USDA Rural Development Multifamily Housing Income Limit Map.

     

    • Nonprofit Inquiries
    • Contact the State Office Single-Family Housing: 601-965-4325
    • Email: directloans@usda.gov

     

    • Individual Inquiries
    • Email: directloans@usda.gov.
    • Grenada Office (662) 662-226-4441 for Carrol, Humphreys, Sharkey, and Washington counties.
    • Batesville Office (662) 712-3337 for Panola County.
    • Starkville Office (662) 270-4332 for Monroe County.

    American Red Cross (ARC)

    American Red Cross’s activities start in the early response phase with Mass Care activities of feeding, congregate sheltering, emergency supply distribution, health services such as medical needs, disability integration, mental health, and spiritual care.  ARC shelters are open to all in need.

    See below for additional support or programs as the response and recovery phases ensue.

    Responses for MEMA housing groups:

    • Non-congregate sheltering program (NCS)
    • Red Cross partnered with MEMA to provide non-congregate shelter for those impacted by the disaster in Sharkey, Humphreys, Carroll, Montgomery, Monroe, and Panola counties. Survivors in the six impacted counties, who meet criteria, are eligible for NCS for up to six months.
    • Immediate Assistance Program
    • Red Cross provides financial assistance to survivors in the impacted counties. Red Cross uses a damage assessment-based model to determine if individuals & families qualify for assistance. As resources allow, assistance may be used to remove barriers hindering a survivor’s recovery.
    • As resources allow, Bridge assistance may be allowed during the operation to fund families that may be experiencing extremely difficult barriers to their recovery pathways.
    • Red Cross facilitates conversations.
    • Red Cross facilitates conversations between local, state, and federal entities, as well as non-governmental organizations, and nontraditional external partners.
    • Red Cross Advocacy
    • Red Cross advocated for all clients affected by a disaster. Red Cross provides case management to provide plans to suit survivors’ needs post-disaster.
    • Health, Hunger, and Housing initiatives
    • Red Cross, as resources allow, initiates health, hunger, and housing programs on a case-by-case basis.
    • American Red Cross Contact
    • Contact: 1-800-733-2767

    US Dept. of Housing & Urban Development (HUD)

    Immediately after a disaster, FEMA, the U.S. Small Business Administration, and other government agencies offer initial assistance. HUD then provides additional support for ongoing recovery through programs and partnerships.

     

    • Federal Funding (Community Development Block Grant Disaster Recovery (CDBG-DR))
    • After Federal Declaration – Applies to States and Local Governments

     

    • Potential Use of other HUD Funding that is allocated to state and local Government.
    • Program funds can be amended at the state and local level to address disaster needs using a formula funding.

     

    • HOME Investment Partnership Program (HOME)
    • Non-profit organizations and For-profit entities may apply for funding to assist with the development of affordable rental housing units serving households with a maximum income of 60% AMI.

     

    • Housing Trust Fund Program (HTF) – Non-profit organizations and For-profit entities may apply for funding to assist with the development of affordable rental housing units serving housing with a maximum income of 30% AMI.

     

    • Emergency Solution Grant
    • Community Development Block Grant
    • Continuum of Care

     

    • Program Waivers for several HUD Programs for Offices:
    • Community Planning and Development, Public and Indian Housing, Single-Family, and Multi-Family, which occurs after the declaration of a Federal Disaster and distributed throughout HUD.

     

    • Housing Counseling for all types of loans:
    • Contact approved HUD Housing Counseling Agencies at 1-800-569-4287.
    • Foreclosure Prevention

     

    Housing and Shelter

    • Homeless Assistance
    • HUD Exchange
    • HUD Assistance Renters (Multi-Family Properties)
    • Public Housing and Housing Choice Vouchers
    • PHA Contact Information: https://www.hud.gov/program_offices/public_indian_housing/pha/contacts
    • Select the State
    • Multifamily housing: Housing and Shelter
    • gov / U.S. Department of Housing and Urban Development (HUD) – Must select the state
    • Tribal Lands – Native American Housing Assistance

     

    MORTGAGE ASSISTANCE

    • Foreclosure relief (90-day moratorium (or stop) on foreclosures for Federal Housing Administration)
    • Contact: FHA Resource Center at 1-800-CALL-FHA (1-800-225-5342)

     

    • Mortgage payments (Options for homeowners with FHA)
    • HUD Disaster Relief Options for FHA Homeowners | gov / U.S. Department of Housing and Urban Development (HUD)

     

    HUD’s FHA Mortgage Programs for Disaster Recovery:

    • HUD’s Mortgage Insurance for Disaster Victims (Section 203(h)) Program — The 203(h) program can benefit individuals and families who are existing homeowners and those who were renting a home that was lost in a disaster. Borrowers from participating FHA-approved lenders are eligible for 100 percent financing, including closing costs. The borrower’s application for mortgage insurance must be submitted to the lender within one year of the President’s declaration of the disaster.
    • HUD’s Rehabilitation Mortgage Insurance (Section 203(k)) Program — The 203(k) program enables survivors of disasters to finance the purchase of or refinance a house along with its repairs through a single mortgage. It also allows homeowners who have damaged houses to finance the rehabilitation of their existing homes.

    Returning Home:

    • Rebuild Healthy Homes (free mobile app)
    • Informs users on the essentials of healthy homes for post-natural disaster home restoration. This includes the principles and technical aspects of a safe and proper response to remove mold, radon, asbestos, lead, and other hazards and unsafe conditions.
    • Rebuild Healthy Homes Guide to Post-disaster Restoration for a Safe and Healthy Home
    • Offers tips and guidance on how to identify and deal with damage and restore your home.

    Discrimination

    • File a complaint: HUD at 1-800-669-9777 or TTY: 1-800-877-8339

     

    https://www.hud.gov/disaster_resources

    Mississippi Development Authority

    MDA-DRD handles CDBG-DR funds allocated to the State for a specific disaster.  Those funds are specially appropriated by Congress and are tied to the “unmet needs” remaining after all other federal, state, and other dollars (such as insurance) have been used to address recovery from that specific disaster.  Until there is a CDBG-DR allocation for this disaster, there are no programs that apply (note – if such an appropriation occurs, MDA can do a great deal in the way of housing, infrastructure, and economic recovery to address any “unmet needs” in those areas).

    • Mississippi Development Authority Contact
    • Address: 501 North West St, Jackson, MS 39201
    • Phone: 601-359-3449
    • Toll-Free: 800-360-3323
    • Website: https://mississippi.org/

    Mississippi Home Corporation

    Mississippi Home Corporation is the designated funder for the ESG, HOME, and HOPWA federal funds. The ESG program fits into the Short-Term and Intermediate-Term groups. ESG funding is provided to nonprofits based on their approved applications. Through ESG, individuals who are homeless or at risk of homelessness can receive non-congregate shelter assistance, move-in assistance, and rental assistance. ESG is a program of last resort, meaning that no other resources are available to prevent homelessness.

    Currently, in the disaster areas, MHC funds WWISCAA, Bolivar County Community Action Agency, and SAFE.

    • Mississippi Home Corporation Office
    • Address: 735 Riverside Dr., Jackson, MS 39202
    • Contact: 601-718-4636 or 601-718-4613
    • Website: https://www.mshomecorp.com/

     Small Business Administration (SBA)

    • Disaster Loan Assistance
      • Provides business and home loans for property damages and low-interest direct loans to businesses of all sizes, nonprofits, homeowners, and renters not covered by insurance or other recovery funds. SBA loans provide support to repair or replace disaster-damaged or destroyed real estate, personal property, machinery and equipment, inventory, and other business assets.
    • Homeowners may apply for up to $200,000 to replace or repair their primary residence.
    • Renters and homeowners may apply for up to $40,000 to replace or repair personal property.
    • Businesses or private nonprofit organizations may apply for up to $2 million.
    • Economic Injury Loan
      • Provides Working Capital Needs Low-interest direct loans to small businesses and most private non-profit organizations. Provides assistance to help meet working capital needs caused by a disaster. Economic Injury Disaster Loan assistance is available regardless of whether the business suffered any physical damage.
    • SBA can provide up to $2 million to meet financial obligations and operating expenses.
    • Filing Deadline:
      • Thursday, May 25, 2023
      • SBA will accept applications until Friday, June 9,2023 without justification. (15-day grace period)
      • SBA will continue to accept applications until Sunday, July 9, 2023, with written justification of lateness. (30 additional days after the grace period).
    • SBA Contact
    • Phone: 1-800-659-2955
    • Website: https://disasterloanassistance.sba.gov/ela/s/

    Mississippi manufactured mobile home association (MSMMHA)

    MSMMHA members can assist businesses with temporary offices using manufactured homes. MSMMHA can also provide a list of licensed installers to ensure that manufactured units are installed according to the MH State regulations.

    • Mississippi Manufactured Mobile Home Association Office
    • Address: 1001 Airport Road, Jackson, MS 39232
    • Contact: 601-939-8820
    • Website: msmmha.com

    Mississippi State Fire Marshal’s Office (factory built home division)

    The Factory Built Home Division of the State Fire Marshal’ office regulates and licenses the manufacture, sale, transport, and installation of manufactured homes in the State of Mississippi. The State Fire Marshal can provide assistance in ensuring that the temporary and/or permanent replacement housing provided to the storm victims will be inspected for proper installation for the safety of the occupants.

    The State Fire Marshal provides temporary licensing for transporter/install companies from other states if those resources would be needed to supplement the current list of State licensed transport/install companies.

    For families needing temporary housing, the State Fire Marsal’s office can waive some of the installation requirements and inspection fees that apply to permanent manufactured housing residential installations.  This will help to reduce the installation cost and expedite the process for those persons to get into substantial temporary housing while their permanent home is being rebuilt.

    Community Students Learning Center

    With the assistance of the Community Students Learning Center, residents in Humphreys, Carroll, Sharkey, Montgomery, Panola, and Monroe counties can apply for assistance with repairs. The Disaster Rebuilding Assistance program is offered through FHL Bank Dallas. Currently, there are five qualified banks in Mississippi that can submit applications. To complete and submit the application, the applicant must contact the Community Students Learning Center office at 662-834-0905.

    • DRA Program
    • Assists those who are below 80% economic income on rebuilding.
    • Provides general rehab for up to $12,000 for assistance with repairs.

    For more information regarding Disaster Rebuilding Assistance with FHLB, please visit their website:  DRA | FHLB Dallas”

    https://www.fhlb.com/community-programs/disaster-programs

    • Community Students Learning Center
    • Contact: 662-834-0905
    • Email: communityle93550@bellsouth.net
    • Address: 333 Yazoo Street, Lexington, MS, 39095

  • MEMA Business Emergency Operations Center (MSBEOC)

    The MSBEOC provides disaster-specific communications from the Mississippi Emergency Management Agency to industry associations and those registered members to coordinate private-sector businesses. It connects those who need resources with Mississippi resource providers during response and recovery from an emergency or disaster event. Coordinates donations from private businesses to those affected.

    The Mississippi Balance of State Continuum of Care 

    The Mississippi Balance of State Continuum of Care is a geographical planning and membership body for agencies in the region that are funded for homeless services, including outreach, housing, case management, and supportive services. The focus and priority is homelessness.

    The organization’s role within a disaster situation is to work with the Red Cross, MEMA, FEMA, and local agencies on connecting survivors to the disaster response and mitigation resources that are available. In the past, the organization has worked with the Red Cross transition team to help individuals and families that are languishing in shelters despite accessing available resources and assisting in determining the barriers to their transition.

    • MS BOS COC Contact
    • Address: 201 West Capitol Street, Suite 800, Jackson, MS 39201
    • Phone: 601-960-0557
    • Fax: 866-551-0916
    • Website: https://msbos.org/

     

    Mississippi Department of Mental Health

    The Mississippi Department of Mental Health provides mobile crisis response teams to assist survivors impacted by the disaster.

    • Mobile Crisis Response Teams
    • Mobile Crisis Response Teams provide community-based crisis services that deliver solution-focused and recovery-oriented behavioral health assessments and stabilization of crisis in the location where the individual is experiencing the crisis. Mobile Crisis Response Teams (MCeRTs) work hand-in-hand with local law enforcement, Chancery Judges and Clerks, and the Crisis Stabilization Units to ensure a seamless process. The teams ensure an individual has a follow-up appointment with their preferred provider and monitor the individual until the appointment takes place.
    • MCeRTs are coordinated through the local Community Mental Health Centers. Please see below for Mobile Crisis Response Team contact information.
    • Contact Information
    • The DMH Helpline is available for information and referral services at 1-877-210-8513.
    • Suicide and Crisis Line – Dial 988.

    hope credit union enterprise corporation

    HOPE has an Affordable Home Loan Program that offers 100% financing for homes of valued at less than $200,000. No mortgage insurance is required, and borrowers with credit scores as low as 580 are eligible for the loan program. Often, these programs are paired with down payment assistance programs to assist with reducing the overall amount of the loan and closing costs.

    In addition, HOPE has an array of personal financial products and services as well as small business and commercial loans available.  Additional information can be located at www.hopecu.org.

    Previous programs administered by HOPE to address needs on the Mississippi Gulf Coast and in Louisiana in response to Hurricane Katrina in 2005 include:

    State and Federal Programs – Hurricane Katrina

    • Small Rental Assistance Program – Through the Small Rental Assistance Program, HOPE recommended grants of approximately $30,000 each to landlords of small numbers of units (1-4 unit buildings) to make repairs on their properties. This program was funded by the state of Mississippi through the Disaster Community Development Block Grant program. The purpose was to accelerate the rebuilding of the supply of affordable housing to address workforce shortages on the Mississippi Gulf Coast. HOPE assisted 312 units through the program at an estimated cost of $9.4 million.

    Philanthropic Programs – Hurricane Katrina

    • Hallelujah Housing – HOPE partnered with Faith Based organizations to create a loan loss reserve that positioned families to obtain a mortgage when other options were not available. The program was funded by congregations and targeted areas in Mississippi affected by the storm. 279 mortgages were made through the program.

     

    HOME Again – Hurricane Katrina

    • HOME Again is a nonprofit 501c3 created by HOPE following the storm to rebuild homes on the Mississippi Gulf Coast. HOPE attracted philanthropic capital through HOME Again to rebuild the first homes on the Mississippi Gulf Coast that met newly created guidelines for the flood zone. In total, 64 homes that were completely demolished were rebuilt through the program. The program cost was approximately $7.5 million and was funded by a private donor.

     

    • Contact Information
    • Dee Jones, Vice President, Community and Economic Development
    • Phone: 662-332-8175

     

     

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