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A
A
Here
you
can
get
more
information
from
the
people
at
the
sba,
small
business
administration,
so
we
thank
buller
county
for
all
the
efforts
to
put
together
this
session.
We
are
going
to
have
the
recording
available
in
marshall
back
and
butter
county
is
going
to
post
the
recording
as
well.
I
now
give
the
floor
to
Katy
arrington
from
Boulder
County
to
present
the
information
from
tonight's
session
and
to
give
us
more
information.
Thank
you
Thank,
you
come
thank.
A
A
Alex
Contreras
with
the
sba
will
be
our
keynote
speaker.
We
have
david
oman
from
dola
who
you
may
have
also
seen
on
edward's
other
sessions.
We
will
also
have
some
slides
to
share
and
we
have
three
other
sba
experts
who
will
be
with
us
on
the
call
Including,
Erika,
Rivera
and
Yolanda
stoks.
They
will
be
able
to
answer
questions
and
share
their
knowledge.
We
are
also
offering
live
interpretation
of
this
session
in
Spanish
So.
A
A
A
The
suggestion
is
to
wait
until
the
end
to
ask
your
question,
because
perhaps
we
will
answer
your
question
during
the
presentation
So.
While
they
are
writing
it
in
the
chat.
Maybe
that
information
is
already
shared.
We
will
answer
all
the
questions
and
maybe
easier
if
they
focus
on
the
presentation
and
ask
their
questions
at
the
end,
we
will
have
time
to
listen
to
their
questions
and
address
their
needs
and,
as
a
reminder,
we
are
not
going
to
answer
case
specific
questions
and
then
we
will
have
other
follow
up
options
after
the
meeting.
A
If
you
need
a
follow
up
specific
to
your
case,
I
now
turn
the
floor
over
to
Alex
with
the
sba,
and
we
are
going
to
kick
off
this
session,
Thank
you
for
being
here
and
thanks
to
the
sba
for
their
help.
And
lastly,
of
course,
I
would
like
to
thank
you.
E
members
of
the
unincorporated
community
group
of
Border
country
ticking
were
given
many
of
the
questions
that
were
used
for
this
presentation
of
the
and
the
marshallder
project,
because
we
would
not
have
this
session
without
community
contributions.
A
So
many
thanks
to
the
community
leaders
and
we
are
very
grateful
to
be
able
to
collaborate
with
you
briefly.
I
wanted
to
encourage
you
to
use
the
question
and
answer
function.
When
you
ask
your
questions,
the
chat
is
only
for
administrative
questions
related
to
this
webinar.
Thank
you.
Thank
you
for
the
reminder.
Go
ahead.
Alex.
A
A
A
Advanced
phase
where
perhaps
they
have
already
been
approved
for
the
loan
and
are
in
the
disbursement
process
and
well,
we
are
going
to
address
all
those
points
and,
as
I
said,
we
will
answer
the
questions
thanks
to
the
team
that
provides
us
with
those
questions
in
advance
because,
yes,
we
have
subject
matter
experts,
so
we
can
address
your
questions
after
the
presentation,
so
please
bear
with
us.
We
are
moving
forward
with
this
presentation
and
we
are
excited
to
hear
your
questions
at
the
end.
A
A
These
funds
can
only
be
used
for
Losses
that
are
not
covered
by
other
forms
of
This
includes
insurance
or
even
other
loan
programs.
Loans
can
be
used
for
home
repairs
to
replace
personal
property.
Small
businesses
can
use
it
for
financial
injuries.
Businesses
can
also
use
it
to
replace
equipment,
Furniture
or
other
items
of
property
business.
A
A
Home
equity
loans
we
can
provide
up
to
$200,000
to
repair
or
replace
primary
residence
and
up
to
$40,000
to
replace
personal
property.
Additional
assistance
is
also
available.
If
you
wish
to
take
protective
mitigation
measures,
they
could
receive
up
to
20%
of
the
total
physical
verified
damages
and
for
homeowners
it
would
be
a
cap
of
200
thousand
dollars.
So
this
is
in
addition
to
the
property
repair
So.
If
you
revive,
if
they
saw
the
maximum,
it
would
be
this
plus,
what
that
they
could
get
for
personal
property.
A
Sba
disaster
loans
have
some
distinctive
features.
This
is
included
in
the
program
to
make
it
accessible
and
flexible,
and
in
this
way
we
can
help
survivors
recover.
First
thing
is
that
the
rates
of
The
interest
rates
are
quite
low
and
I
will
talk
about
the
fixed
rates
in
another
slide.
The
terms
are
longer
so
that
the
payments
are
low,,
they
are
usually
15
or
30
years..
I
think
that
most
loans
are
approved
for
30
years,
and
you
can
also
refinance
the
loans.
existing
mortgages
for
up
to
$200,000.
A
These
funds
can
also
be
used
to
settle
in
another
location,
So,
sometimes
people,
pr
They,
prefer
to
use
these
funds
to
rebuild
in
another
location
and
not
in
the
same
one
where
they
suffered
the
losses
and
investigations,
another
form
of
assistance
that
can
be
obtained
through
the
loan,
and
you
can
also
obtain
up
to
two
hundred
thousand
dollars
for
contractor
issues.
These
are
situations
where
maybe
the
contractor
left
the
job.
Maybe
they
already
got
paid
but
didn't
do
the
job
they
said
they
were
going
to
do
so.
A
You
can
apply
to
increase
the
loan
and
cover
these
mistakes
by
the
contractor.
Up
to
200k
dollars,
this
is
added
to
the
other
loan
amounts
I
had
mentioned
before.
Another
feature
of
the
sba
loan
is
that
the
loan
can
also
be
used
to
pay
insurance
deductibles.
If
there
are
homeowners
being
approved
for
a
loan
and
the
deductible
jumps
on
loan,
It
can
be
used
to
cover
the
deductibles
of
the
loans
I
mentioned
before
that
interest
rates
are
low.
A
In
this
case,
the
rate
of
no
credit
available
On
the
other
hand
and
explain
what
it
is,
was
one
point:
four
thirty-eight
for
households,
two
point,
eight
thirty
percent
for
businesses
and
then
for
non-
profit
organizations
was
one
point,
eight,
seven,
five
percent.
We
have
another
second
category
of
credit
available
from
other
parties,
which
is
also
referred
to
as
the
market
rate,
and
they
have
realized
here
that
this
is
going
to
be
more
higher
than
the
other,
the
other
percentage
So.
Here
we
must
end
if
the
applicant
has
available
credit.
On
the
other
hand.
A
This
means
that
the
applicant
has
the
ability
to
finance
their
own
recovery
without
having
to
take
financial
hardship,
and
they
do
not
have
to
have
a
loan
subsidized
to
be
able
to
finance.
It
are
still
eligible
for
the
loan
because
they
suffered
this
damage,
but
have
sufficient
assets
available
and
cash
flow
and
also
have
a
high
credit
score.
In
those
cases,
the
person
could
use
their
own
assets
easily
or
the
credit
they
have
name
is
ready
from
private
lender
Rather
to
finance
their
recovery
in
a
reasonable
way,
and
perhaps
this
is
different.
A
What
you
know
Because
if
the
situations
differ,
the
credit
is
greater
and
you
are
a
lower
risk
lender
and
they
offer
you
more
a
more
favorable
rate,
but
for
a
Federal
catastrophe
program,
it
is
really
based
on
need
and
I
would
say
that
most
of
loans
that
we
approve
have
the
lowest
interest
rate.
Historically,
more
than
80%
of
the
approved
loans
are
approved
with
the
lowest
interest
rate.
A
Here
we
look
at
three
aspects:
When
approving
a
loan.
The
first
thing
is:
if
the
person
was
the
owner
or
is
legally
responsible
to
repair
property
that
was
damaged,
I.e.
in
Boulder
County.
We
also
look
at
the
credit
history
of
e
the
person.
The
applicant
must
have
an
acceptable
credit
history
to
the
sba
and
we
usually
look
at
the
histories.
We
tell
people
not
to
be
excluded
from
the
program
because
they
think
the
credit
may
not
be
good
enough.
We
will
notify
you
If.
A
We
see
a
problem
with
the
credit
history
and
we
will
work
to
explain
these
issues
and
then
try
to
get
you
approved,
and
the
most
important
thing
is
the
payment.
The
applicant
must
show
that
he
is
capable
of
his
loans
so
that
we
can
approve
him.
We
do
not
want
to
give
him
a
loan
to
the
person
who
will
then
be
unable
to
pay.
Back
later.
We
will
look
at
insurance
requirements.
Hazard
insurance
is
required
on
all
secured
loans,
and
flood
insurance
is
required
by
law.
A
If
the
property
is
in
a
special
flood
hazard
zone
and
is
For
example,,
it
requires
knowing,
if
a
damage
was
caused
by
a
flood.
In,
this
specific
case,,
it
could
be
fires.
So.
We
are
not.
We
are
dealing
with
this
flood
policy,
but
it
is
something
that
we
share,
so
that
everyone
knows
how
we
look
at
approvals
and
that
we
require
this
flood
insurance.
A
The
process
for
an
application
is
next.
The
first
step
is
to
file
the
application
to
receive
the
loan.
Then
you
register
with
FEMA.
They
direct
you
to
the
sba
and
you
fill
out
the
application.
The
deadline
is
usually
60
days
after
the
declaration
date
and
I.
Think
certain
extensions
were
made
in
this
case
of
the
declaration
and
the
application
deadline
is
the
same
that
what
FEMA
has
So.
It
is
usually
the
same.
We
respect
the
final
term
of
femac
in
terms
of
our
application,
then,
for
small
businesses
that
are
looking
for
these
economic
loans.
A
The
dates
are
a
few
months
later,
that
is
to
say
nine
months
after
the
declaration
date.
Once
we
receive
the
application,
we
will
contact
the
applicant
to
do
a
verification
of
ownership,
which
is
e,
is
usually
done.
Virtually
our
team
makes
an
appointment
with
the
applicant.
We
discuss
the
property
using
third
party
resources,
and
then
we
generate
an
amount
of
what
it
would
cost
to
do
all
the
repairs
And.
That
is
the
starting
point
for
the
loan
for
this
disaster.
I
know
that
at
the
beginning,
our
calculations
were
lower.
A
I
think
it
was
like
in
April
that
we
started
with
a
policy
to
adjust
and
then
increase
the
calculations,
and
this
would
increase
the
eligibility
of
the
person.
But
what
happens
is
that
when
the
calculations
are
low
and
they
also
receive
the
sure
this
covers
the
full
amount
of
the
loss
based
on
the
initial
estimate
and
then
there's
no
more
room
here
and
Actual
costs
based
on
the
contractor's
estimate
are
usually
higher
So.
This
happens
in
all
disasters,
but
our
initial
estimate
is
just
an
estimate.
Approximate
based
on
the
square.
A
Footage
of
the
property
is
also
based
on
other
features
of
the
property
and
then
based
on
the
answers
they
give
us
describing
the
damage
they
suffered,
and
this
can
be
adjusted
based
on
the
location
of
the
property
and
the
costs
of
rebuilding
in
that
specific
area.
But
after
a
disaster,
sometimes
we
see
the
costs
of
rebuilding
increase
drastically,
and
this
in
particular
happened
after
the
fire
in
march,
particularly
during
covid.
There
were
problems
with
the
supply
chain.
A
There
were
problems
with
rebuilding
and
lack
of
labor,
so
all
of
that
pushed
prices
up
and
our
initial
calculations
were
not
consistent
with
the
costs
In.
This
case
it
is
a
bit
more
extreme,
but
we
rely
on
the
contractor's
calculations
to
review
and
then
adjust
our
expectations
for
damages
once
the
application
is
being
processed,
it
can
take
a
couple
of
weeks
and
if
approved,
we
will
send
the
documents
for
conclude,
the
loan
We
send
it
to
the
applicant
and
within
five
days
they
will
receive
go
for
a
down
payment.
A
The
down
payment
is
up
to
the
uninsured
limit,
which
is
$25,000
for
physical
damage
and
$25,000
for
injury
or
economic
damages
for
small
businesses
and
after
making
this
down
payment,
we
request
that
lenders
send
the
estimates
from
the
contractors,
as
well
as
receipts
for
the
other
funds
they
received
and
how
they
have
been
invested
in
the
rebuilding
project,
and
then
we
will
schedule
the
other
disbursements
So.
We
don't
send
them
all
the
money
at
once,
and
there
are
good
reasons
for
that.
Here
I
give
you
the
first
reason.
B
Is
a
good
internal
control
to
ensure
that
the
property
owners
are
doing?
Is
the
property
back
and
just
taking
the
funds
and
leaving
and
leaving
the
damage
there,
so
that
you
are
using
your
celebrity
to
be
able
to
position
yourself.
again,
but
we
have
to
know
about
that
to
ensure
that
you
are
with
these
loans
under
the
new
ownership,
then
do
Doing
it
in
these
increments
is
a
good
check
to
make
sure
they
are
using
it
in
the
way
it
is
intended
to
be
able
to
redo
that
property.
B
With
that
of
giving
you
refunds,
We
try
to
give
as
soon
as
possible,
it
all
depends
on
disasters
and
all
unique
and
where
Sometimes,
there
are
some
reasons
why
there
are
delays
and
I
am
going
to
talk
to.
Whoever
gives
us
positives
about
why
there
are
some
delays
and
what
happens
with
that
reimbursement,
and
what
can
we
do
to
be
able
to
postpone
those
expiration
dates
and
in
in
case
something
changes
with
your
loan?
If
you
are
at
the
final
term,
then
accepting
it
again
And
these
conservation
And
appeals.
B
Then
their
loan
has
not
been
approved
or
they
have
removed
the
application,
and
that
typically
happens
if
there
is
not
enough
information
or
documentation
to
be
able
to
make
a
decision.
Credit
Then,
we
are
missing
a
part
of
the
information
or
a
document
to
be
able
to
approve
or
reject
the
loan
without
receiving
this
We
cannot
continue
walking.
B
So
suddenly,
the
requester
is
asking
him
to
withdraw
the
application
or
suddenly,
if
they
are
not
responding,
then
they
even
withdraw
the
application.
Then.
They
will
send
you
a
letter
with
that
withdrawal
and
they
will
inform
you
about
it.
the
steps
you
have
to
take
to
be
able
to
request
a
new
acceptance,
and
you
have
six
months
from
that
date
of
that
letter
to
ask
for
that
to
be
accepted
again.
If
you
are
rejected,
you
have
six
months
from
the
initial
rejection
And.
B
These
include
the
reason
why
they
rejected
it
and
the
things
that
you
don't
have
to
prove
so
that
we
can
evaluate
again
And
suddenly
reach
an
approval
if
you
reach
the
second
reconsideration
you
have,
it
is
an
appeal.
It
is
30
days
after
that
from
the
collection,
so
you
have
to
give
the
information
of
the
justification
of
to
be
able
to
exceed
that
rejection,
the
final
term
for
the
loan.
B
If
it
has
been
approved,
we
will
send
the
documents
from
end
to
end
They
get
the
feeling
that
they
typically
sixty
days
to
be
able
to
sign
and
return
those
documents
and
to
satisfy
the
things
that
we
need
and
the
things
that
we
have
mentioned
before,
which
are
25,000
30,000
of
the
initial.
If
we
do
not
receive
it
in
30
days,
we
send
you
a
reminder
if
not
We
receive
it
within
14
days
of
the
final
term,,
we
notify
you
that
we
are
going
to
cancel
the
loan
or
the
funds.
B
If
the
documents
are
not
sent
and
they
cancel
it
And
if
they
ask
to
be
accepted
again,
sixty
days
later,,
this
is
not
something
that
is
It's
common.
If
we're
seeing
a
lot
more
disasters
where
the
recreate
phase
is
taking
longer,
and
especially
in
those
of
the
free
games,
it
can
take
longer
to
clean
up
because
you're
using
you're
dealing
with
more
hazardous
materials
and
the
conditions
on
the
properties
where
you
had
a
complete
destruction
of
property
with
that
stage.
B
B
Many
wait
for
those
funds
to
be
received
before
receiving
the
loans
and
many
who
lend
are
going
to
wait,.
So
there
are
many
reasons
why
they
can
see
delays
and
it
is
easy
to
see
why
those
who
are
going
to
lend
have
situations
where
they
cannot
return
those
documents
within
60
days.
So,
if
you
ask
us
for
an
extension,
we
will
do
them
more
than
we
can
to
be
able
to
do
it
to
make
the
process
easier.
B
But
if
there
is
no
insurance
that
an
additional
five
days
an
additional
week
will
help
you
to
be
able
to
send
the
documents,
then
the
best
solution
would
be
to
cancel
it
and
then
restore
it
again,
and
we
have
Many
times
we
do
this,.
So,
with
these
refund
terms,
they
have
No
need
to
arrange
about
these
funds
that
they
will
receive
the
funds
from
the
full
loans
within
six
months
from
the
date
of
the
authorization
of
the
loan
agreement,
depending
on
the
cases,.
B
They
can
approve
an
extension
to
allow
the
funds
to
be
reinforced
for
more
than
six
months.
and
we
received
those
requests
to
be
able
to
extend,
because
we
are
still
waiting
for
the
permits.
I
am
waiting
for
the
contractor
to
work,
so
anything
could
be
that
they
are
not
ready
for
those
six
months
to
be
able
to
receive
all
the
funds
and
they
request
an
extension.
So
here
is
the
main
thing:
it
is
to
communicate
with
your
case
management
to
ensure
that
they
can
extend
the
final
term
all
depending
on
your
situation.
B
If
the
lender
cannot
make
the
arrangements
to
receive
the
funds,
we
can
cancel
the
funds
that
have
not
been
responsible.
We
not
only
do
not
leave
open
in
the
boxes,
we
cancel
them
and
you
let
us
know
when
they
are
ready
to
be
able
to
h.
Do
it
again
to
be
able
to
espouse
those
funds.
The
reason
we
don't
give
you
the
full
funds
is
because
the
interest
starts
when
we
give
you
the
funds
when
we
espouse
those
funds
So.
B
This
is
18
months
from
when
they
receive
the
news
of
the
loans.
The
initial
payments
do
not
start
until
18
months
later
So.
This
starts
when
the
interest
starts
to
occur.
When
you
received
your
funds
So.
Yes,
it
is
something
for
you
to
have
your
Spin
account.
There
is
the
Lance,
so
you
can
see
the
details
of
your
loan
to
know
about
the
principal
and
interest
and
you
can
make
schedules
for
those
payments,
and
you
can
also
ba
jar
your
statements.
It
is
not
a
new
portal
that
we
have
just
started
that
started
in
february.
B
First,
it
is
something
improvement
that
we
have
had.
I
do
not
know
if
anyone
is
listening.
That
has
had
a
previous
loan
that
they
did
through
capro
Access.
That
is
a
system
of
caps.
This
was
the
previous
system
that
we
were
having
to
manage.
Your
loans
was
a
little
bit
older
and
in
design
it
was
not
so
good
for
the
users.
This
portal
is
better
for
the
users
And.
The
good
thing
is
that
you
have
a
caps
account.
They
use
the
same
credentials
to
log
in
So.
B
You
don't
have
to
create
a
new
username
or
password.
You
can
use
that
information
from
the
old
account
to
log
into
the
ESPN
portal
in
the
mayan
portal.
There
is
a
message
feature
in
the
future.
You
have
service
needs.
You
need
help
with
a
to
pay
it
off
in
full
or
by
subsidizing
or
letting
go
of
the
loan.
B
B
About
the
program
part,
but
yes,
I-
think
that
this
is
an
important
emotion
to
mention,
because
in
a
disaster
like
this,
there
are
multiple
recovery
and
insurance
programs
and
with
federal
programs,
They
have
a
requirement
not
to
be
duplication
of
benefits.
Afima
and
Jade
They
also
have
these
requirements
to
avoid
the
publications
of
benefits.
B
Suddenly,
there
are
a
few
small
differences
in
which
it
is
determined
that
it
is
a
duplication
of
benefits,
cont
For
them,,
their
programs
against
other
assistance,
programs,,
the
ones
provided,,
the
lenders
that
have
to
notify
you
about
whether
they
recovered
losses
in
different
sources.
In
order
to
build
this
again,-
and
this
is
part
of
your
agreement,
if
you
receive
assistance
from
another
program,,
if
it
is
loan
coverage.
In
any
case,,
you
notify
SBA
to
determine
if
it
is
a
return,.
B
If
it
is
not,,
we
will
notify
you
and
nothing
to
worry
about,,
but
if
there
is
a
portion,
that
may
be
a
problem
against
the
amounts
that
they
can
disburse
and
it
may
be
possible
that
they
may
cancel
a
portion
of
the
funds
and
you
have
the
funds
that
they
gave
you
above.
So
we
work
with
you
and
with
the
other
program
to
make.
B
It
as
easy
as
possible
eseba
has
an
agreement
with
Dolar
to
share
the
Data
of
the
disaster
applications
And.
This
is
for
all
the
programs
of
assistance.
We
share
the
information
of
the
applicants
so
that
they
can
know
about
the
status
of
the
s
of
the
applications
to
find
out
what
it
was
and
the
funds
to
be
able
to
determine
at
once.
If
there
is
a
duplication
and
so
not
You
do
not
have.
B
B
So
I'm
going
to
take
a
break
here
for
a
second
to
see
if
they
put,
you
is
with
us,
so
you
can
talk
to
us
with
this
positive
and
I
also
promise
you
that
we
are
almost
done
and
we
are
going
to
talk
about
the
questions
and
answers
to
Kevin
if
he
is
here,
if
you
can
see
if
you
have
to
be
with
us
to
be
able
to
okay
Well.
Thank
you.
B
Jeff
I,
give
you
the
floor,
and
one
that
I
wanted
to
pass
in
passing
on
the
duplication
of
benefits
is
that
if
you
receive
funds
from
one
source,
You
cannot
receive
funds
from
another
source.
That
is
not
the
case
as
long
as
the
resources
are
not
more
than
what
you
need.
You
are
fine
with
this
with
the
program.
We
have
two
tools
in
how
the
benefits
treat
us
is
different
from
the
part
of
the
funds
and
that
and
different
from
that
of
the
lines
of
loans.
B
There
has
been
a
debate
about
his
since
Hurricane
Katrina
and
in
the
previous
disasters.
He
was
treated
the
same,
but
in
this
case
we
are
following
different
rules
that
have
left
this.
Since
then,
where
they
do
not
have
to
reduce
their
scholarships,
but
in
reverse
it
is
not
true
So.
The
sba
is
still
going
to
look
at
those
assistance
funds
to
close
those
needs.
B
If
it
is
more
than
two
thousand
dollars
200
thousand
dollars,
it
is
not
going
to
affect
on
the
leaves,
but
if
you
brush
below
that
line
of
what
you
lent,
they
can
come
and
say
now,
depending
on
your
contract,
everything
has
been
covered,
so
suddenly
they
reduce
those
loans.
On
the
eseba
side,
we
are
always
working
in
equipayán.
So
if
you
receive
sample
money,
please
talk
to
your
sba
officer
and
vice
versa.
B
When
we
talk
about
loans
If,
you
are
in
this
category,
that
is
less
than
150
percent
of
ma.
You
are
eligible
for
some
funds
And.
You
can
also
receive
some
loans
and
the
same
rules.
They
are
going
to
apply
if
the
total
assistance
with
those
50
50
thousands
Beyond
the
pin,
then
they
can
see
a
reduction
one,
the
two
loans
to
ensure
that
it
reaches
the
line
of
what
you
need,
if
you're
over
150
percent,
mma
and
you're,
not
loan-eligible,
but
you've
already
been
approved.
B
B
B
They
are
better
because
if
you
try
to
receive
a
construction
loan
to
make
four
percent
minus
two
percent,
then
over
the
life
of
the
loans,
you
will
save
twenty-four
thousand
dollars
and
four
times
more
with
the
sba
products
So.
If
you
are
thinking,
if
I
want
the
money
from
the
state
or
from
the
sba,
it
is
better
that
you
do
the
sba,
because
you
can
receive
larger
funds
and
again
the
interest
is
a
little
lower
and
the
reason
for
that
policy
is
because
the
legislature
does
not
allow
us.
A
At
this
moment
they
have
approved
500,
but
approximately
50%
have
been
canceled
yes,.
Perhaps
you
can
try
to
reverse
that
cancellation
would
be
the
best
option,
but
if
this
has
happened
to
you,
You
do
not
have
access
to
those
loans
and
if
we
are
going
to
grant
you
the
State
loan
and
perhaps
That
would
be
in
your
best
interest.
A
If
you
only
need
50
thousand
dollars,
If,
not
the
200,000,
but
if
we
give
you
a
loan,
perhaps
someone
else
you're
not
going
to
get
the
loan,
so
we
don't
want
to
encourage
people
to
try
both
programs.
If
you
have
any
questions,
we
have
the
email.
Here
we
have
the
website,
you
can
contact
us
and
now
we
can
go
to
the
next
slide.
A
I
would
like
to
say,
as
far
as
to
Dave's
comment,
that
we
have
seen
many
programs
like
this
in
other
states
And.
These
programs
are
created
when
other
events
happen
And
before.
If
one
you
asked
for
a
loan
from
the
sba
and
they
approved
it
Even
if
one
accepted
the
loan
or
not,
that
other
subsidized
program
of
the
State
considered
that
it
was
a
duplicate,
a
duplication
of
the
benefits
and
they
said
well,
they
did
not
approve
it
for
that.
Loan
I
accepted
that
one
and
you
had
no
option
it.
A
Just
canceled
the
option
to
take
another
loan,
So
I'm,
very
happy
that
Colorado
has
the
approach
where
Well.
If
you
cancel
the
loan-
and
you
don't
receive
it-
that's
not
going
to
impact
the
conditions
for
the
other
programs
and
tape.
I
think
these
are
good
reasons
to
maybe
the
cba
loan
is
a
better
option
than
for
other
people,
and
it
will
probably
help
them
more
to
cover
that
repair
cost
than
the
other
programs
very
well.
On
that
slide,
we
have
the
general
information
on
customer
service.
A
You
have
probably
already
seen
it
or
have
already
used
this
data,
but
if,
at
any
time
they
have
a
question
about
the
program
AND,
if
they
want
to
communicate
directly
with
us,
Others
can
call
our
1800
number
or
they
can
email
us
at
disaster
customer
service
at
sva
dot
gov.
We
have
also
agreed
to
work
closely
with
the
county,
so
we
can
provide
assistance
when
answering
questions,
so
I
really
encourage
you
to
take
advantage
of
the
local
program
and
the
people
that
are
helping
you.
A
A
A
Is
a
final
term
to
apply
for
the
sba
loans
for
the
Marshall
fires.
Yes,,
the
final
term
to
apply
has
already
passed.
in
the
slides,
but
I
will
guarantee
that
they
have
it
and
I
will
share
it,
but
if
they
have
not
yet
passed
their
request
for
physical
damages,,
that
final
deadline
has
already
passed.
Normally
we
give
a
Grace
period,
but
it
is
usually
about
one
or
two
months
and
I
think
that
We
have
already
passed
that.
A
So
that
is
why
we
always
encourage
you
to
send
your
applications
Even.
If
you
do
not
know,
if
you
want
the
loan,
because
you
can
always
withdraw
or
delete
your
application
or
if
you
are
approved,
you
can
simply
say
no
I
am
not
going
to
get
the
loan
right.
We
cancel
and
then
you
can
request
that
the
application
be
passed
again.
But
if
you
do
not
know,,
then
you
know
of
some
extraordinary
situation
that
did
not
allow
the
application
to
be
passed
within
the
term.
Granted
we'll
consider
it.
A
Thanks
this
question
also
came
up
in
the
Q&A
a
couple
of
different
ways
and
was
also
asked
in
advance
and
answered
you
already.
But
could
you
explain
again
why
the
loans
are
canceled?
It
seems
that
it
is
a
benefit
for
the
resident,
but
could
you
explain
this
because
some
loans
are
approved
and
then
they
are
canceled
and
how
is
that
process
Of
course
it
is
Well.
It
is
not
ours,
intention
to
approve
and
then
not
disburse
the
loan.
A
The
objective
is
to
approve
the
loans
as
quickly
as
possible
and
then
disburse
all
the
funds
quickly,
but
with
these
loans,
if
there
are
different
requirements
based
on
the
amounts
of
the
loan,
as
I
mentioned
before,
the
unsecured
limit
is
25
thousand
dollars
any
amount
greater
if
they
have
property
that
they
can
use
use
as
collateral.
We
would
ask
you
to
do
that
if
the
loan
is
over
$25,000,
but
there
are
other
requirements
now
we
have
to
guarantee
the
property.
So
there
are
insurance
requirements,
those
taking
the
loans
need
to
get
insurance
policies.
A
Maybe
we
need
limits
on
a
certain
amount
and
then
for
two
loans
that
are
larger
in
amount.
There
are
also
issues
of
permits,
so
all
of
this
Well
there
are
many
elements
that
are
out
of
our
control
in
terms
of
helping
the
applicant
to
obtain
that
more
quickly.
The
permits
are
out
of
our
control.
Also
dealing
with
the
insurance
company
is
out
of
our
control
to
be
able
to
guarantee
the
contractor
that
they
want
and
that
they
feel
comfortable
with
that
person.
A
The
first
thing
that
comes
to
mind
is
that
now
it
has
disappeared,
that
it
was
canceled
And,
that's
it,
but
that's
not
how
it
works
with
those
loans.
We
cancel
the
undisbursed
funds
and
basically
it's
like
deactivating,
the
loan.
Then
the
person
can
apply
to
have
the
funds
re-provided
if
they
qualify.
A
Well,
as
a
follow
up
question,
I
have
the
following:
what
is
the
reactivation
process
like
what,
if
people
missed
this
six
month
window
and
what
if
people
are
trying
to
rebuild
two
years
later,,
the
loan
can
be
reactivated
every
six
months
or
how
is
the
process
When?
We
have
long
terms,,
yes,
Well,
I'm,
going
to
ask
Goodman
or
Erika
Rivera
or
one
of
the
sba
experts
to
answer,.
They
are
from
the
disbursement
center
and
process
and
they
work
on
the
accounting
team
that
deals
with
loan
disbursements,
So
Rob
Erika.
A
If
maybe
one
of
you
es
I,
could
answer
here
for
everyone.
How
does
the
activation
process
work
and
what
is
the
recommendation
if
they
think
that
maybe
it
exceeds
the
six
month
term?
They
simply
anticipate
that
it
will
take
longer
and
they
must
wait
more
than
six
months
or
they
try
to
activate
the
loan
as
soon
as
possible
within
those
six
months
after
applying.
A
Hi
everyone,
my
name,
is
James
I
am
the
manager
of
the
accounts
department,
As
Alex,
said
I
would
tell
people
to
reactivate
the
funds
It's
like
putting
them
on
hold
in
standby
mode.
Wait
for
six
months.
Here
we
have
several
people
who
are
going
to
exceed
the
construction
time
and
that's
fine.
You
can
cancel
the
loan
and
then,
in
six
months
they
can
come
back
Even
if
they
are
not
ready
in
six
months,
tell
us
give
us
the
schedule.
A
What
we
want
to
do
is
continue
in
contact
with
you,
and
so
we
see
that
you
are
trying
to
move
forward.
We
understand
that
you
will
have
delays,
perhaps
with
the
contractors,
with
the
permits,
with
things
like
this
and
We,
try
to
differentiate
between
those
people
who
are
really
trying
to
move
forward
and
those
who
are
simply
disappearing.
A
And
well,
we
want
to
give
them
the
loans
we
are
trying
to
disburse
the
funds
So.
The
first
thing
is
that
they
will
arrive.
They
will
receive
some
letters
when
the
loan
is
canceled.
They
will
see
the
process,
To
activate
it
again
and
if
they
are
approaching
with
those
six
months,
they
can
send
a
document
to
the
person
who
is
managing
your
case
so
that
we
can
give
you
an
extension
or
we
can
reactivate
the
loan.
A
A
And
I
think
I
saw
a
question
about
why
we
do
this
and
why
we
tried
to
do
it
so
quickly,
and
it's
because
we
want
to
shell
out
the
money
quickly
if
the
loan
is
extended.
We
must
remember
that
if
it
is
extended
more
than
a
year
now
we
are
in
a
category
where
there
are
certain
steps
that
we
must
take
on
our
part
to
reprocess
the
financial
part
of
the
loan.
That
is
one
of
the
reasons
why
we
try
to
achieve
all
of
this
within
six
months
to
a
year,
if
possible.
A
Is
there
a
second
follow
up
question
and
I
think
I
have
the
answer
but
to
check
if
people
haven't
missed
the
sba
final
deadline,
but
they
did
miss
the
six
month
deadline
for
reinstatement.
They
still
have
the
opportunity
to
contact
the
person
who
manages
the
case
to
talk
about
reinstatement
now
and
you
can
always
submit
an
application
and
the
processing
department
will
look
at
it.
Not
only
Before
the
person
handling
the
case.
A
A
A
If
you
Do,
you
have
any
guarantee
regarding
your
house?
We
are
going
to
look
at
that,.
You
have
to
pay
us
immediately,.
As
Alex
said
before,.
There
are
certain
circumstances
under
which
you
could
refinance.
And.
That
depends
on
the
loan
process
and
well,
the
payment
opportunities,,
but
not
this..
It
would
not
be
a
limitation
to
obtain
a
loan
very
well.
And
how
can
I
ask
the
sba
to
change
my
initial
category?
A
Well
you
t
We
would
have
to
request
a
network.,
Verification,
As
Alex
said
before,.
We
verify
that
we
are
the
first.
Well,.
We
are
the
first
to
understand
that.
Perhaps
today's
cost
is
not
the
same
as
it
will
be.
In
six
months.
We
are
in
a
situation
of
inflation
and
with
the
contractors..
Sometimes
we
will
see
changes,
so
we
may
ask
for
a
second
check,
so
they
go
out
and
look
at
the
situation
again
to
see
if
there
is
any
additional
damage.
A
A
Well
I
mentioned
this
in
the
presentation.
The
final
registration
deadline
for
FEMA
for
e
programs
They
are
in
line
with
our
application
deadline
for
physical
damage,
loans,
I'm,
not
sure
about
the
18
month
term.
They
mention
But
as
long
as
you
file
your
application
with
us
before
the
deadline
all
is
well
and
then,
if
you
are
in
a
situation
where
they
must
withdraw
the
application,
because
they
need
more
time
because
it
was
rejected,
they
will
have
additional
time
to
request
that
it
be
reconsidered.
A
The
final
deadline
for
physical
damages
was
March
2,
2022,
and
that
of
economic
damages
was
September
30,
2022
So.
In
addition
to
this,
there
are
no
final
deadlines.
All
people
have
your
own
deadlines.
Yes,
correct.
The
other
deadline
I
mentioned
was
down
payments,
as
you
said,
that
is
based
on
individuals
and
based
on
the
loan
and
on
the
dates
So
18
months
later
would
be
when
they
will
have
to
start
making
the
payments,
but
those
are
specific
to
the
individual
loan
Alright
thanks.
A
A
Basically,
we
have
a
list
And
right
now,
we're
checking
with
walter
county
county
louis
low
to
make
sure
it
makes
sense.
So,
for
example,
if
you
have
showers,
you
would
have
a
credit
of
30,000.
If
you
have
specific
materials
you
are
using,
that
adds
to
the
total.
So
s
If,
you
are
taking
certain
actions.
We
are
adding
that
amount
to
your
award
and
it
caps
out
at
30,000,
because
there
is
a
30,000
cap
on
fire
mitigation
actions.
As
far
as
the
sba
goes,
we
don't
have
a
specific
list
of
actions
that
qualify
as
mitigation.
A
What
we
are
looking
for
are
protective
measures
to
mitigate
damage,
leave
to
the
future
of
the
same
nature.
Owners
are
asked
when
they
request
this
mitigation
to
explain
exactly
what
the
project
is.
What
are
the
expenses
they
are
going
to
take,
and
then
we
have
the
team
verification
that
goes
over
everything
to
ensure
that
it
is
reasonable
and
then
we
will
test
it.
But
many
of
these
mitigation
programs
that
we
have
seen
have
as
specific
points
actions
that
must
be
carried
out.
A
But
the
sba
program
has
not
been
configured
in
this
way
like
this,
that
they
have
much
more
flexibility
as
to
what
could
be
considered
a
mitigation
action
or
what
It
could
be
approved
under
this
category.
The
key
thing
is
to
contact
us
and
let
us
know
what
you
are
going
to
do
and
we
will
see
if
we
can
approve
this
additional
assistance.
B
Money
from
the
sba
and
what
are
they
waiting
for
giving
hope
stopping
those
funds
from
tola
So?
If
you
can
talk
about
how
you
see
the
individuals
Yes,
you
must
apply
for
both
and
as
I
indicated
in
the
slides
in
that
of
the
funds.
If
you
are
under
twenty-five
thousand
of
the
m,
that
is
not
going
to
change
what
you
are
eligible
for.
B
If
we
can
close
that
space,
especially
if
you
are
in
those
of
the
low
income,
we
want
to
spend
it
with
that
money
from
the
scholarships,
and
you
don't
have
so
much
that
you
have
to
pay
again
with
the
loans.
Then,
with
these
prizes
there
is
a
total
of
what
they
can
give
you,
but
you
must
absolutely
apply
for
both.
B
And,
if
you
want
it
n
pay
last
and
you
qualify
for
both
who
pays
first
So.
That
is
going
to
be
a
very
rare
situation,
because
you
are
less
than
150
percent
more
and
you
want
to
take
that
from
the
traditional
loan
and
also
qualify
for
FEMA
So.
If
you
are
in
that
category
that
there
are
very
few
I
know
with
the
expectation
of
the
State,
we
do
not
care
that
if
we
go
first
last
in
the
traditional
loan.
B
B
B
If
you
had
a
full
construction
loan
and
you
do
not
have
a
building
permit,
suddenly,
we
will
not
be
able
to
give
you
that
twenty-five
thousand
television,
it
all
depends,.
We
have
to
see
the
specifics
of
the
loan
and
we
are
always
at
the
services
to
review
it.
Again.
If,
you
have
any
questions.
I
spoke
with
the
case
manager
and
send
an
email,
because
we
will
check
it
again
because
the
goal
is
to
be
able
to
give
you
the
most
money
we
can
in
your
pockets
as
soon
as
possible.
B
But
if
there
are
some
previous
requirements,
And
suddenly
Erika,
you
can
expand
on
that
yeah.
So
to
elaborate
a
bit
here.
If
it's
going
to
cost
you
like
a
million
to
build
your
own
ity
and
the
spa
loan
is
250,000,
that's
something
we
have
to
address
and
we
said
so.
You've
talked
about
your
loans
being
redirected
assigned
to
other
experts.
B
And
your
disaster
and
what
you're,
having
experience
now
and
they're,
looking
in
different
ways
where
they
can
help
you
and
help
you
navigate
the
loan
program
to
see
if
we
can
give
you
more
money
in
a
better
time.
This
is
from
the
construction
of
the
contracts
and
also
the
costs
and
having
a
construction
plan.
Then
you
go
to
your
your
agreement
and
you
submit
all
your
documentation
and
you
do
not
have
the
funds.
The
requirements
that
are
needed.
Kindly
are
those
agreements
And
most
of
all.
B
You
manage
Case
managers,
have
a
question
in
their
lot
of
questions
and
frustration
and
concern
about
admins
responding
AND
leaving.
So
if
you
can
explain
a
little
bit
of
the
process,
and
can
you
tell
us
about
a
few
steps,
you've
started
to
alleviate
those
frustrations,
and
can
you
talk
to
us
about
the
case?
Managers
are
these
from
the
sba
managers
Or
with
Yes
with
sba,
so
I'm
going
to
start
here
bro.
B
To
respond
to
these
disasters
in
a
big
way,
we
do
not
only
do
this.
We
do
not
respond
to
anything
else
to
the
disasters
that
have
been
declared
with
Federal
like
the
Marshall,
the
Marshall
fire,
but
also
something
local
is.
Then
we
also
help
with
covid
relief.
So
we
give
a
lot
of
e.
They
are
relief
loans,
And
that
doubled
the
cases
they
had
for.
We
had
these
teams
that
were
seeing
four
thousand
more
accounts
that
were
open
for
those
covid
loans.
So.
B
Gave
many
of
these
teams
a
lot
of
work,
so
to
manage?
We
need
to
move
the
teams
to
one
side,.
Others
suddenly
have
to
do
the
covid
services
side
and
This
was
out
of
the
ordinary,
but
it
was
what
happened
and
also
if
we
have
other
big
disasters,
they
have
to
change
their
focus
to
deal
with
those
problems.
So,
sometimes
what
happens
when
we
have
a
big
event?
So,
we
try
to
handle
it
and
when
it
is
done,
we
can
mess
with
what
we
have
this.
B
We
go
down
to
the
number
of
people
we
have
in
the
team,
and
then
we
have
to
increase
again
when
When.
We
have
another
big
disaster.
So
with
the
administrator
side,
what
can
they
do
if
they
are
not
getting
a
response
in
a
quick
way?
So
we
Alex
That's
right.
We
move
people
around
to
respond
to
all
disasters
and
we
try
to
respond
to
all
disaster
supervisors
in
the
same
way
so
as
not
to
leave
them
aside.
B
B
Many
of
you
have
had
your
loans
assigned
again
and
suddenly
I
have
heard
from
the
new
servicers,
and
that
was
in
an
effort
to
be
able
to
keep
these
loans
to
a
team
that
has
high
experts
from
the
experiences
of
these
loans
of
50
years
of
experience..
It
has
not
been
trained
and
we
have
talked
about
the
problems
that
we
have
seen
in
these
questions
about
these
and
the
other
problems
that
you
are
talking
about
and
sharing.
We
are
Sharing
with
them
and
they
are
escalating
it
to
different
departments.
B
There
are
going
to
be
these
three
administrators
that
are
going
to
deal
with
these
loans
and
one
who
is
going
to
be
the
leader
on
the
team,
her
name
I'm
a
little
waiting
because
I
don't
want
you
to
get
like
50
five
hundred
emails.
But
if
you
wait
until
Monday
to
see
if
the
admin
gets
back
to
you,
Don
dawn.
B
B
To
communicate
with
us
and
let's
see
how
we
can
make
it
faster
to
move
the
funds
Thank
you
for
rating,
and
we
appreciate
you
listening
to
the
feedback
from
the
community
community
and
redoing
them
again.
We
have
some
residents
having
trouble
connecting
with
the
previous
admins
and
it
sounds
like
all
of
that
is
going
away,
is
being
resolved
and
they
are
going
to
see
different
points
of
contact
So.
If
we
appreciate
that
there.
B
B
B
Well,
without
knowing
the
specifics,
it
all
depends
on
how
long
the
loan
is
up
to
two
sitting
or
on
hold
Because.
If
it
has
been
more
than
a
year,
because
there
is
a
loan
process
that
requires
that
he
has
to
be
reassessed
from
a
financial
point
of
view
in
So
I,
don't
know
if
there
are
other
business
standards
of
requirements,,
but
that
is
also
primary
if
they
ask
for
an
increase.
B
Requirement
of
the
insurance
of
the
perils
That.
Yes,
it
can
take
the
place,
but
sba
has
to
be
named
of
the
mortgage
if
it
is
insured
if
it
is
a
safe
property
with
the
loan
and
Erika
suddenly,
That
is
also
for
you,
who
are
you
going
to
contact
if
your
loan
has
been
canceled
and
you
currently
do
not
have
an
administrator
that
should
be
in
the
cancellation
letter.
B
B
How
do
sba
weights
work
when
you
have
property,
rent
or
in
verses
So,
when
we
talk
about
the
mortgages
of
the
Houses
The
maximum
250
thousand
for
primary
residences?
If
it
is
a
rental
property,
they
have
to
apply
under
the
business
and
that
in
maximum
two
million-
and
it
is
a
second
residence
or
a
house,
vacation
or
travel-
is
and
is
not
for
that.
Rental
is
not
eligible,
because
it
is
not
a
primary
residence
and
also
not
business
income
So.
It
is
not
eligible
type
of
property.
B
There
is
also
an
exception
we
make
if
there
is
a
close
family
member
who
is
living
in
a
property
So,
for
example,
I
have
another
house,
and
my
mother
lives
there
and
I
don't
charge
her
rent,
I
still
can
I
can
apply
Or.
She
can
apply
for
assistance
from
the
housing
programs,
because
that
is
not
an
Aguilar
property
and
it
is
not
a
vacation
home
or
second
home,
but
a
home
for
a
relative.
B
Each
disbursement
has
a
different
payment
date,
no
So.
Yes,
they
are
talking
about
paying
again.
That
is
a
full
loan
and
the
payments
are
due
eighteen
months
after
you
receive
the
loans,
and
that
starts
whether
you
receive
the
full
funds
or
not
when
that
date
arrives
So.
If
that
date
arrives,
and
you
need
an
extension,,
you
can
ask
for
an
extension,.
They
can
do
that,,
we'll
see
it
on
a
case-by-
case
basis,,
but
they
won't
have
separate
loans
for
each
fund.
That
is
disbursed,.
It's
a
full
loan
together,.
A
Okay,
thank
you,,
and
this
is
our
last
question.
What
if
you
are
retired
and
going
back
to
work
regarding
cba
loan?
Can
you
read
the
question
again?
Yes,
What?
If
you
are
retired
and
going
back
to
work
as
other
funding
sources,
including
the
sba,
are
not
working
as
well
I
guess
the
question
is:
how
can
you
reapply
for
the
sba
yeah?
Well,
if
the
sba
loan
hasn't
worked,
ie
that
it
has
been
canceled
and
you
have
the
opportunity,,
as
we
have
mentioned,
to
request
that
it
be
reactivated
at
that
time,
I.
A
Will
give
you
an
example:
here,,
let's
say
that
the
loan
was
not
approved,,
the
loan
was
rejected,,
but
you
are
going
to
return
to
work
and
perhaps
there
is
going
to
be
an
increase
in
income,
and
you
want
to
request
that
this
loan
be
reconsidered.
You
can
do
so.
You
can
use
your
new
income
and
you
will
have
to
provide
documents
that
show
the
new
income,
such
as
check
stubs,
because
we
depend
on
the
income
that
is
reported
to
you,
inform
the
IRS
tax
authority.
A
I
think
the
question
here
is:
what
is
the
limit
How
long
ago
was
the
decision
that
was
rejected
if
it
has
been
a
long
time
time,
and
they
don't
have
a
good
reason
as
to
why
they
didn't
request
reconsideration
within
the
six
month
period,
they're
going
to
have
to
appeal
that
decision
and
each
case
is
going
to
be
reviewed
individually.
But
it's
been
too
long
and
we
haven't
heard
from
that
person
since
It's
been
a
long
time,.
Maybe
it
won't
be
reconsidered.
A
A
I
don't
know
the
team
is
going
to
review
these
applications
that
come
in
late,
but
as
a
warning
there
is
no
guarantee
that
it
will
be
accepted,
but
since
it
is
possible
to
apply
at
this
time,
you
will
really
have
to
send
an
email
to
the
customer
support
center
with
your
application
and
we
will
review
it
and
we
will
let
you
know
if
we
approve
it
And.
Yes,
we
will
approve
your
application,
but
you
have
the
opportunity
to
have
a
great
time,
and
now
we
move
on
to
the
last
question.
A
A
Yes,
I
encouraged
them
to
process
this,.
What
sometimes
happens
is
that
we
get
an
application
and,
as
part
of
that
application
we
must
have
form
45
from
the
IRS
from
the
Internal
Revenue
Service,
and
that
allows
us
to
get
the
records
directly
from
the
tax
authorities
And.
If
the
tax
authorities
tell
us
that
it
hasn't
been
processed
yet,,
maybe
we
can
withdraw
the
application
because
they
didn't
process
it.
A
A
A
If
your
loan
has
been
paid
off
and
you
have
to
get
it
reactivated,
they
can
process
a
request.
There
are
exceptions,
nothing
is
a
guarantee,
but
you
can
request
help
directly.
You
can
also
request
help
from
one
of
the
new
case.
Managers
mentioned
by
Erika
and
DIF
from
dollar
has
one
more
comment
regarding
the
online
dollar
calculator,
and
we
want
to
thank
you
to
the
sba
and
all
the
participants
today
for
your
questions
and
your
patience
as
you
have
helped
us
coordinate
this
call
and
streamline
the
processes.
And
give
everyone
the
best
service.