AWACSMortgage compliance intelligence from Flightline

Carrington Correspondent · Disaster Announcement FEMA Disaster Declaration - Tennessee (2026-04-14) · Published

Tennessee Severe Weather Disaster Area Property Re-Inspection Requirements

Carrington requires post-disaster property re-inspections for specified mortgage programs on properties located within declared disaster counties in Tennessee. Re-inspections are mandated when the appraisal was completed before the disaster ended or when certain refinances did not close before the event.

Action requiredNo effective date statedChecks passed· adjusted automaticallyRead the announcement ↗ (opens in a new tab)

Loan impact

Summarized from the announcement · needs review

Applies to: Loans secured by properties in declared disaster areas of Tennessee across conventional, FHA, VA, USDA, and non-agency programs.

Applies when all of these are true
  • ANDCarrington loan
  • ANDState is TN
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 area
Eligibility
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 announcement
RequirementPreviouslyNow
Tennessee disaster declaration property re-inspection policyNewRequiredNew requirementBorrowers must obtain a property re-inspection for affected product types if the appraisal was performed before January 27, 2026, or for VA IRRRLs if closing occurred on or after that date.

What to do

AWACS interpretation · not source language

What to review: Review the mandatory property re-inspection criteria for loans secured by properties located within declared Tennessee disaster areas.

Appraisal

Order post-disaster property re-inspections for covered loan programs in declared Tennessee disaster areas where the appraisal was completed prior to January 27, 2026, or where VA IRRRL transactions close on or after that date.

Underwriting

Condition for and review required post-disaster property re-inspections on eligible Tennessee disaster area properties before approving affected conventional, FHA, VA, USDA, and non-QM loans.

QC implications

  • Sample loans secured by properties in declared Tennessee disaster areas to verify that required property re-inspections were obtained based on the appraisal or closing date criteria.

Source and record

Version 2 · archived

Checks

  • 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.