Service Advantages ______

service

			Nationwide coverage including Puerto Rico and Hawaii.
			Lenders are kept in compliance with Flood Disaster Act of 1973 at all times.
			"800" phone and fax lines are a free service to you, the lender.
			One hour rush service at no additional charge.
			Hard copies mailed out weekly at request at no additional charge (optional service).
			L.O.M.A. (Letter of Map Amendment) are reviewed free for the life of the loan.
			Ordering software (Windows based) is also provided free of charge.
			HMDA (Home Mortgage Disclosure Act) / Census information is also offered.

Cost Advantages_________

cost

			Prices on One-Time and Life of Loan certifications are quoted over the phone (please ask about our volume discounts). Our phone number is 1-800-730-NFRI (6374).
			Track housing and large subdivisions ordered in groups of 10 or more are billed at $6.00 per property.
			Portfolio reviews (during a flood audit review we have your entire portfolio covered under a blanket flood policy so you are immediately protected). Please ask about free portfolio review option.
			A property that is re-certified due to a flood map revision is 75% of the original cost to certify (under the Life of Loan feature this cost is absorbed by NFR automatically).

Certification Advantages__

ce

			A certificate is provided which places full responsibility for the flood determination on NFR.
			In order to guarantee the flood determination, NFR carries a professional Errors and Omissions insurance policy. This covers each certification with the maximum amount allowed by the NFIP (example: A single family residential property is covered up to $250,000).
			All flood determinations are based on legal criteria. Evidence is always provided showing that the most current and proper FIRM map was used to determine the flood status of the property (community name, community number, panel, suffix, and the date of publication).
			All research is "Hand Mapped" , involving the over-laying of flood maps onto street maps, plat maps, and property surveys.  The property is then drafted using an architects scale to provide the most accurate determination possible. No statistical research is done.
			Copies of the flood map and plat map are automatically sent when a certification is questioned or when a call is made.
			We can arrange point-of-scale and force-place flood insurance through an insurance company at your request.
			By having properties certified, you are always in compliance with the Flood Disaster Protection Act of 1973.
			We will help start the process of a LOMR (Letter Of Map Revision) or LOMA ( Letter Of Map Amendment) for properties that lie within a SFHA (Special Flood Hazard Area) but are above the designated flood elevation.