This is unlike any disaster we've ever had to handle.

Be a little pessimistic now, and assume it can happen to you. Develop a disaster plan for your home or business now so you can rest a little more easily in the future.

They are being considered as they come in.

Compared to other disasters we've worked with, this is unprecedented.

Many lenders may not have discussed the STAR program specifically with the borrower.

One lender could have been really strict and specific about the borrower providing the documentation to prove that they were affected by the Sept. 11 attacks, and another banker may not have, or may have had ulterior motives for approving loans.