Hurricane Isaias: pending loans may need a reinspection or attestation

Isaias appears headed for landfall east of Mobile, Alabama and into the Florida panhandle.

Pending loans in the storm’s path may require a reinspection or an attestation prior to GMFS approval/closing. Here’s the short version:

Reinspect	FHA, USDA & VA — new inspection with photos dated after the event end date.
Attestation	Conventional (incl. PIW) & USDA streamline — borrower-signed Disaster Recertification Affidavit plus date/timestamp photos.
Depends	VA IRRRL — attestation if GMFS services the loan; licensed inspection if not.
Construction	GMFS Construction Dept. handles inspections; HomeStyle follows Fannie Mae guides.

What’s next

We’ll share an update as early as possible on Monday, October 12, 2026 on any known areas of significant damage, then follow up with FEMA announcements as they become available.

At a glance

Appraisal requirements for FEMA declared disaster areas, by loan status and product.

Loan status	Conv.	FHA	USDA	VA	VA IRRRL
Pipeline – not closed	Attestation	Reinspect	Reinspect	Reinspect	Either*
Pipeline – not closed, with PIW	Attestation	N/A	Attestation	N/A	N/A
Closed, under construction	Consult GMFS Construction Dept.	—	—	—	—
HomeStyle, under construction	Consult GMFS Construction Dept.	—	—	—	—
Correspondent – not yet purchased	Attestation	Reinspect	—	Reinspect	Either*

Reinspection

Attestation (affidavit + photos)

*Depends on servicer

Further information

See the Disaster Policy (Appraisal Requirements for FEMA Declared Disaster Areas) in the GMFS Partners TPO Product Guide for Conventional, FHA, USDA, VA and VA IRRRL requirements on properties in impacted areas. GMFS will provide more details on Monday, Oct. 12.

View the TPO Product Guide (PDF)

Let’s make home happen.

Questions on a specific loan? Reach out to your District DIrector.