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The Houston Black Real Estate Association 

The Houston Black Real Estate Association

HBREA Crisis Resources

Mortgages with Wells Fargo
Thank you to our partner Wells Fargo for supporting those affected by Hurricane Harvey. If you have been affected by the storm and have any type of loan with Wells Fargo reach out to them to see if your payments can be deferred.


YOUR MORTGAGE

1. Call your mortgage company, car loan company, student loan & credit card companies. Ask for a 3 month reprieve from payments. There should be no late fees assessed. They will work with you. You may need the money to get back on your feet.
2. Take lots of photos. Call the insurance company asap. Get them to start your claim now. Anything under water is covered. Exception would be items that can be washed or stone counter

 tops. But laminate counters can be claimed because they are wood.
3. USE A LOCAL CONTRACTOR!!! Lots of con-artists will try to take advantage. Get estimates from a contractor for repairs. You don't need to use that contractor, but the home owner insurance company needs them. (psst - the higher the better)
If it has a plug or an outlet and it was under water, DO NOT USE IT. Water and electricity do not mesh. Those outlets will corrode over time and house fires start - even in the future. Especially if this was salt or brackish water. Salt will corrode the wiring and outlets faster. And BX corrodes faster than Romex.
4. Wear an N-95 mask any time you are indoors in a house that was flooded. I contracted bacterial and fungal pneumonia from Sandy. I was on prednisone for 2.3 years. I gained 90 lbs from prednisone. Otherwise I could have been in the hospital for a few weeks to a month.
5. Empty your home quickly of items that are destroyed. If it has a plug, it is toast. If it runs on gas or electricity and was under water, it is trash. Cut drywall to 4' (the width of drywall.). It saves time and money when you are replacing it. Don't do it like on HGTV. No sledge hammers needed. Draw a line 4' above the floor. Cut with a razor blade. Put one hole in the wall and grab and pull. Hopefully you have drywall nails in there and not screws. Remove insulation from that same area. Feel above for dampened insulation. If it is damp, go 2' more up. Once you are sure you have all the wetness gone and are down to the studs, spray with bleach. You don't want mold to grow. Make sure your windows are open.
6. Solid wood furniture? Spray with bleach or Wet and Forget from Home Depot type stores. Bleach is less expensive.
7. Everything will mold or mildew if not treated. It is not worth your health in the long run.
8. Expect that this will take 3 months on average to fix. From the time you begin tossing things out to the final paint coat.
God bless you all and be safe..



Clarification from the Texas Association of Realtors regarding September 1 - Homeowners Insurance Law



HUD Announces Disaster Assistance for Victims of Hurricane Harvey



Freddie Mac

Freddie Mac has not only suspended foreclosures of properties of those affected by Hurricane Harvey but also have put in place loan deferment programs see one of  the links below for more information.

http://freddiemac.mwnewsroom.com/press-releases/freddie-mac-to-suspend-all-evictions-and-foreclosu-otcqb-fmcc-1319317

http://www.freddiemac.com/blog/homeownership/20170829_aftermath_of_harvey.html

 


Texas Association of REALTORS
The destruction left by Harvey is on a scale Texas has never experienced. With estimates of the economic impact reaching $160 billion, it has the potential to become the costliest natural disaster in U.S. history. And the human toll is just as steep, with tens of thousands displaced and over 200,000 already registered for assistance. A large part of our Texas REALTOR® family lives and works in the communities included in the governor's declaration of disaster, and the Texas Association of REALTORS® is committed to helping them rebuild through the Texas and National Association of REALTORS® Relief Fund, which has received support from NAR and state and local associations across the nation. But we know recovery will be a long, costly process. Below you'll find information about how to apply for assistance or donate, legal questions related to Harvey, and other resources and information you might need.

Texas REALTORS® Relief Fund now accepting requests for assistance

REALTORS® and members of the public who’ve suffered loss due to Harvey can apply for up to $1,000 of mortgage or rental payment assistance from the Texas REALTORS® Relief Fund.
Apply for assistance
You're encouraged to share the link to the application with those in need of assistance.
Apply for assistance

https://apps.texasrealestate.com/public/disasterRelief/reliefApplications.cfm

Disaster Relief Fund Applications

Up to $1,000 assistance. Application deadline is September 25, 2017.

The Texas Association of REALTORS® Relief Fund helps people who've suffered losses due to natural disasters in Texas.




Resources for those in need are listed below.

Resources:

Helpful Numbers:

  • To report flooding and non-emergency help to the City of Houston: 3-1-1 or 713-837-0311
  • State Emergency Assistance Registry: 2-1-1
  • CenterPoint for downed power lines or gas lines: 888-876-5786
  • American Red Cross of Greater Houston: 713-526-8300
  • HPD non-emergency: 713-884-3131
  • All true emergencies call: 9-1-1


Houston Association of Realtors, Cindy Hamann, HAR Chair of the Board has provided the below link for additional information concerning assistance and Texas Realtors Disaster Relief Fund.

Click <<<HERE>>>

This information is as of 9-1-17

List of FEMA Hotels in the Houston Area.pdf



When the Unexpected Happens. Click oo)Here(oo


Harvey Temporary Housing - Post Housing - HAR.com

www.har.com

If you have a home available on a temporary basis (for rent or for free) for someone displaced by Hurricane Harvey, please make sure to post it here.

http://www.har.com/temporaryhousing/postyourhousing


Free uniforms for HISD students

See information below

Uniform-Distribution-Flyer.pdf

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