It's strictly to get you back into a safe and habitable home, not to repair everything,'' says Leland Wilson, head of FEMA's Northridge recovery office. That means if you rely on FEMA you could end up paying for your first mortgage, your loan and quake insurance after all. You must obtain and maintain insurance. It's a built-in restriction,'' says Michael Raphael of the FEMA office in Sacramento. Grants go to those who can't qualify for loans.
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