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Storm Damage Loan Application

Storm Damage Loans - General Information
Storm Damage Loans provide up to $12,000 to cover expenses related to damage resulting from Hurricane Ida, including repairs and renovations, extensive cleanup and mold remediation, replacement of personal belongings and household essentials, and temporary relocation.

Before applying for an HFLS Storm Damage Loan, you should first determine whether you are eligible for individual assistance through FEMA and how much assistance you are eligible to receive. Not applying for FEMA aid or applying for FEMA aid after receiving an HFLS loan could result in a loss of free financial support that you would not have to pay back.

Learn more about and apply for FEMA individual assistance by clicking here or calling 1-800-621-FEMA (1-800-621-3362).

Please visit the HFLS Storm Damage Loans webpage for information about eligibility, guarantor requirements, loan terms and repayments, required documents, and more.

If you have any questions about HFLS loans or if you have technical problems while completing this form, please email Loan@HFLS.org or leave a voicemail at (212) 687-0188 x2 and a Loan Officer will respond as soon as possible.
Homeowner Storm Damage Loans - General Information
Homeowner Storm Damage Loans provide up to $30,000 to cover expenses related to damage resulting from Hurricane Ida, including home repairs and renovations, extensive cleanup and mold remediation, replacement of personal belongings and household essentials, and temporary relocation. If you do not own a home, please click here to apply for a Storm Damage Loan of up to $12,000 - this program is open to renters. 

Before applying for any type of HFLS Storm Damage Loan, you should first determine whether you are eligible for individual assistance through FEMA and how much assistance you are eligible to receive. Not applying for FEMA aid or applying for FEMA aid after receiving an HFLS loan could result in a loss of free financial support that you would not have to pay back.

Learn more about and apply for FEMA individual assistance by clicking here or calling 1-800-621-FEMA (1-800-621-3362).

Please visit the HFLS Storm Damage Loans webpage for information about eligibility, guarantor requirements, loan terms and repayments, required documents, and more.

If you have any questions about HFLS loans or if you have technical problems while completing this form, please email Loan@HFLS.org or leave a voicemail at (212) 687-0188 x2 and a Loan Officer will respond as soon as possible.
Personal Information
Enter numbers only, no dashes (-). If you do not have a Social Security Number, enter all zeros.    
Address
Enter apartment or floor # if applicable.
Contact Information
If you do not have a mobile phone, please enter all zeros here and enter your home phone below.
If you do not have a home phone, leave this field blank.
Household Information
Do NOT include yourself or your spouse
Employment Status 
Employment Information
If unsure of the month or day, enter January 1st
Please do not abbreviate the company or organization name
Income Information
$
Enter your annual pre-tax salary from your job listed above.
$
Enter your income from any sources other than the job you listed above. Please do NOT include spouse income. If income from other sources is $0, enter “0”. 
Income Information
$
Please enter your annual income from unemployment, social security, pension, etc. If your current income is $0, please enter 0.

Spouse/Partner's Information

If you are married, HFLS must receive the information below for your spouse. Your spouse will be listed as a borrower on the Promissory Note along with you, and will be required to sign the Promissory Note.
Personal Information
Enter numbers only, no dashes (-). If you do not have a Social Security Number, enter all zeros. 
How to contact your spouse/partner?
Spouse/Partner's Employment Status
Employment Information
If unsure of the month or day, enter January 1st
Spouse/Partner's Income Information
$
Enter your annual pre-tax salary from your job listed above.
$
Enter your income from any sources other than the job you listed above. Please do NOT include spouse income. If income from other sources is $0, enter 0.
Spouse/Partner's Income Information
$
Please enter your annual income from unemployment, social security, pension, etc. If your current income is $0, please enter 0.
Loan Request Information
$
Up to $12,000 (numbers only - do not use dollar sign, commas, or decimals)
$
Up to $30,000 (numbers only - do not use dollar sign, commas, or decimals)
Referral Information
General Storm Damage Loan Guarantor Request
At this time you have the option to enter information for your guarantor. 

Storm Damage Loans require one guarantor who:
  • Is a US citizen or legal resident currently living in NYC’s five boroughs, Westchester, or Long Island
  • Is currently employed with annual pre-tax household income of at least $30,000
  • Has a checking account and good credit, as evidenced by an HFLS review of their credit report 
Guarantors may NOT live in the same household as the borrower; have a current loan from HFLS; serve as a guarantor on an existing HFLS loan; or seem financially unable to repay the loan. A married couple is considered one guarantor; if your loan is approved, the guarantor's spouse must also sign the Promissory Note.

If you enter guarantor information below, your guarantor will receive an email inviting them to complete an online Guarantor Form. They may instead opt to download and print a PDF of the Guarantor Form and submit it to HFLS via email, fax, or regular mail; a link to the PDF will be included in the email they receive. If you have not already done so, please alert your guarantors to look out for this email.
Homeowner Storm Damage Loan Guarantor Request
At this time you have the option to enter contact information for your guarantor(s). Homeowner Storm Damage Loans of up to $12,000 require one guarantor; loans above $12,000 (up to the $30,000 maximum) require two guarantors.

All Homeowner Storm Damage Loan guarantors must:

  • Be a US citizen or legal resident currently living in NYC’s five boroughs, Westchester, or Long Island
  • Be employed with annual pre-tax household income of at least $30,000
  • Have a checking account and good credit, as evidenced by an HFLS review of their credit report 
Guarantors may NOT live in the same household as the borrower; have a current loan from HFLS; serve as a guarantor on an existing HFLS loan; or seem financially unable to repay the loan. A married couple is considered one guarantor; if your loan is approved, the guarantor's spouse must also sign the Promissory Note.

If you enter guarantor information below, your guarantor(s)will receive an email inviting them to complete an online Guarantor Form. They may instead opt to download and print a PDF of the Guarantor Form and submit it to HFLS via email, fax, or regular mail; a link to the PDF will be included in the email they receive. If you have not already done so, please alert your guarantor(s) to look out for this email.
Guarantor Information
Upload Your ID
Please upload a clear photo copy, scan, or picture of your photo ID, and if you are married, your spouse's photo ID. Any government photo ID that includes a signature is acceptable. Though this is not required right now, HFLS must receive your ID copy/copies before we can close your loan, and submitting your ID(s) now will speed up the processing of your loan application.
Upload Your Bank Information
Please upload a voided check, checking account statement, or another document that includes your name, your bank name, your checking account number, and your bank's routing number. HFLS will use this information to electronically disburse your loan funds directly into your account and to collect monthly repayments from your account. Though this is not required now, HFLS must receive your checking account information before we can close your loan. Submitting this information now will speed up the processing of your loan application.
Upload Storm Damage Documentation
Please upload documentation of the storm damage incurred. This may include one or more of the following, or something else; please upload anything you have that demonstrates the damage incurred and/or expenses you faced or are facing as a result of the storm.
  • Photos of the damage
  • Insurance claim, assessment, or determination
  • FEMA individual assistance application, assessment, or determination
  • Damage assessment or repair estimate from a private company or contractor hired to repair the damage
  • Letter from a community agency or organization that is assisting you
  • Documentation of relocation expenses
If your file is too large to upload or if your file format is not supported for upload, please email Loan@HFLS.org with the file(s) attached or with a Google Drive link to the file(s).
Credit Report Authorization
HFLS may review applicants' credit reports in order to confirm their ability to repay a loan, or for some loan programs, to confirm their eligibility for a loan. For loans that require guarantors, HFLS always reviews guarantors' credit reports to determine whether they are able to guarantee a loan.

By checking the box below, you authorize HFLS to obtain your credit report if necessary. If you ask, we will tell you if a credit report has been obtained and the name and address of the agency furnishing the report. You also authorize anyone named in this application or any credit report we obtain regarding you to verify any information provided in this application or on the credit report.