Loan impact
Summarized from the bulletin · needs reviewApplies to: Loans secured by properties in declared disaster areas of Hawaii across conventional, government, and non-agency programs.
- ANDCarrington loan
- ANDState is HI
- Addressed to
- Carrington correspondent sellersFrom the publisher, not quoted from the text
- Investor
- CarringtonFrom the publisher, not quoted from the text
- Programs
- Conventional, FHA, Non-QM, USDA, VA
- Affected areas
- Valuation; Eligibility
- Affected documents
- Disaster re-inspection report; original appraisal
- Applicability confidence
- Needs review: some rows could not be matched to a quote from the source
Summary by AWACS. Carrington Correspondent's guide is proprietary, so AWACS does not reproduce its text. Read the official announcement ↗ (opens in a new tab)
What changed
Summarized from the bulletin| Requirement | Previously | Now |
|---|---|---|
| FHA full documentation disaster re-inspectionNewRequired | Not stated | A re-inspection is mandatory when the appraisal inspection occurred prior to March 24, 2026. |
| VA full documentation disaster re-inspectionNewRequired | Not stated | A re-inspection is mandatory when the appraisal inspection occurred prior to March 24, 2026. |
| VA IRRRL disaster re-inspectionNewRequired | Not stated | A re-inspection is mandatory if the loan was not signed prior to March 24, 2026. |
| USDA full documentation and streamline assist disaster re-inspectionNewRequired | Not stated | A re-inspection is mandatory when the appraisal inspection occurred prior to March 24, 2026. |
| Conventional loan disaster re-inspectionNewRequired | Not stated | A re-inspection is mandatory when the appraisal inspection occurred prior to March 24, 2026. |
| Non-agency loan disaster re-inspectionNewRequired | Not stated | A re-inspection is mandatory when the appraisal inspection occurred prior to March 24, 2026. |
What to do
AWACS interpretation · not source languageWhat to review: Review property re-inspection requirements for Hawaii disaster areas to ensure mandatory re-inspections are ordered for files with appraisal inspections prior to March 24, 2026, and VA IRRRLs not signed prior to March 24, 2026.
Require property re-inspections for FHA, VA, USDA, conventional, and non-agency loans where the appraisal inspection occurred prior to March 24, 2026, as well as VA IRRRL transactions not signed prior to March 24, 2026.
Verify that disaster re-inspection reports are present in loan files for properties in Hawaii disaster areas with appraisals inspected prior to March 24, 2026, or VA IRRRLs not signed prior to March 24, 2026.
QC implications
- Sample loans secured by properties in declared Hawaii disaster areas to verify required re-inspection reports are present when appraisal inspections occurred prior to March 24, 2026.
- Test VA IRRRL files not signed prior to March 24, 2026, to ensure mandatory disaster re-inspections were performed.
Source and record
Version 2 · archivedChecks
Source verified: Passed
The document ID, link and publication date match the official source.
Quotes match the source: Passed
Every quoted passage appears word for word in the official document.
Requirements backed by the source: Passed, adjusted automatically
Anything marked required is backed by the requirement language and dates in the source.
- A detail the source does not support was removed or adjusted
- An independent check could not confirm which loans a change applies to; those conditions were removed
In scope: Passed
The document is about residential mortgage lending.
Format and labels: Passed
The record follows the AWACS format and uses its standard labels.
Source
- Investor Bulletin FEMA Disaster Declaration - Hawaii (2026-04-20) (official) ↗ (opens in a new tab)
- Archived copy, SHA-256 814eb3ca16c8…
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