This is definitely understandable, especially if you are unsure about the process. Regardless of any changes made later, the funds will likely still be distribu

This is definitely understandable, especially if you are unsure about the process. Regardless of any changes made later, the funds will likely still be distributed on a first-come, first-served basis. If you're in need of a larger amount (over $500k), it might be worth tracking down some accountants or lawyers from disaster regions who have worked with these loans before.