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Lender Alerts

Lender Alerts

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FEMA Disaster Area Update

Dear Licensed Partner,

Counties in Georgia and Mississippi have been declared by FEMA as Major Disaster Areas.

State Designated Areas Incident Period Date
GA Dougherty County 01/02/2017
GA Berrien County, Cook County, Crisp County, Dougherty County,
Turner County and Wilcox County
01/21/2017 to 01/22/2017
MS Forrest County, Lamar County, Lauderdale County and Perry County 01/20/2017 to 01/21/2017

To view a complete list of FEMA disaster alerts in XLS format, click here: Annexure-I.

To view FEMA's recent update on GA, incident period 01/02/2017, click here: FEMA.

To view FEMA's recent update on GA, incident period from 01/21/2017 to 01/22/2017, click here: FEMA.

To view FEMA's recent update on MS, incident period from 01/20/2017 to 01/21/2017, click here: FEMA.

SWMC Disaster Area Policy

For loans submitted with an appraisal dated on or before the incident period end date or for those submitted without an appraisal, Sun West will require an interior and exterior inspection prior-to-funding or purchase of any loans with subject properties that are determined to be at risk. The inspection must verify that the property is sound, habitable and in the same condition as when it was appraised.

Our partners can access Sun West Seller Guide under HELP section in Sunsoft. Please refer to Sun West Forward Mortgage Seller Guide (Section 404.07) and Sun West Reverse Mortgage Seller Guide (Section 3.23) for more details.


  • Only licensed and state certified appraisers may be used to complete the inspections.
  • If there is any damage to the property, the repairs must be completed prior to Sun West closing/purchasing the loan.
  • For VA IRRRLs, VA does not permit the Veteran to be charged for the Appraisal Fee.
A list of recent disasters declared by FEMA where the above guidelines apply are provided in Annexure-I.

If you have any questions, please contact your Client Relations Manager at (855) OK-SUNWEST or (855) 657-8693.


Sun West Mortgage Company, Inc.
18000 Studebaker Road, Suite 200
Cerritos, CA 90703
Phone: (800) 453-7884
SW-1: Our No Overlays Program


Equal Housing Opportunity This information is provided to licensed brokers/lenders only and may not be copied or distributed to customers or potential customers. All loans are subject to approval. Certain restrictions may apply. Listed pricing is a morning indication only. Program rates, prices, guidelines, fees, costs, terms and conditions are subject to change without notice.