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If FEMA repair or replacement assistance will not get the job done for you, you may be eligible to apply for a low interest loan offered by the U.S. Small Business Administration (SBA) to home owners, renters, and small businesses. The law limits home loans to $200,000 for the structure and $40,000 for contents. You must qualify for this loan in much the same way as you do for any commercial loan. Most of the federal assistance to recover from disasters comes in the form of SBA loans.

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