If your home or business was directly affected by Superstorm Sandy, you have until Friday to apply for FEMA Disaster Assistance.

Damaged building in Seaside Park (Governor's Office, Tim Larsen)

While the deadline had been extended before, there's no guarantee that will happen again. Louise Porter with the US Small Business Association (SBA) said you shouldn't wait any longer.  There are low interest loans available from SBA.

Porter said, "If you're waiting to hear from your insurance company, you should still fill out and submit the application. You don't want to miss your chance."

For homeowners, the limit for SBA loans is $200,000. For businesses, the limit is $2 million.

To date, more than $358.1 million in grants has been approved for home repairs or replacement, rental assistance and other needs. Another $446.7 million in SBA low-interest disaster loans has been approved for more than 6,400 homes and businesses.

Survivors can register online at www.DisasterAssistance.gov, via web-enabled phone or tablet at m.fema.gov until midnight March 1. New Jerseyans can also register by telephone until 10 p.m. March 1 via FEMA's toll-free numbers: 1-800-621-3362 or TTY 1-800-462-7585. Those who use 711-Relay or Video Relay Services can call 1-800-621-3362. Recovery assistants remain available from 7 a.m. to 10 p.m.