l-end.gif (130 bytes) One-Time Service______ r-end.gif (130 bytes) onetime
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We offer a One-time Service in which the flood status of the property is determined based on the date of the current FIRM (Flood Insurance Rate Map) and the date the order was received.
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spacer10.GIF (41 bytes) right_arrow.GIF (180 bytes) spacer10.GIF (41 bytes) We first locate the property on updated street maps. This allows us to place the property on the currently effective FIRM flood map, enabling for the determination of a flood zone status.  We use tax parcel maps, and other map overlays to define the property's boundaries.
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right_arrow.GIF (180 bytes) We provide all FIRM map information necessary to rate a flood insurance policy such as: Community Name, Community Number, Panel Number, Suffix, Date of FIRM, and the Flood Zone.
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right_arrow.GIF (180 bytes) All documentation required by law and by FEMA is provided,  including a Borrower Notification Form.
lifeofloan
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Life of Loan Service__-_

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Our Life of Loan Service tracks the flood zone of the property for the Life of the Loan.
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spacer10.GIF (41 bytes) right_arrow.GIF (180 bytes) spacer10.GIF (41 bytes) If at any time FEMA updates their FIRM maps, and the flood hazard of the property changes, you will be notified within 60 days of the FIRM map update.
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right_arrow.GIF (180 bytes) Our Life of Loan Service is transferable free of charge.
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right_arrow.GIF (180 bytes) We can provide you with a list of any change to flood hazard status during specified time periods for you LOL portfolio at your request.
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l-end.gif (130 bytes) Portfolio Service___---__ r-end.gif (130 bytes)
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Portfolio reviews: During a flood audit review,  your entire portfolio is covered under a blanket flood policy to immediately protect you.
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spacer10.GIF (41 bytes) right_arrow.GIF (180 bytes) spacer10.GIF (41 bytes) We will determine the flood status of each property of the portfolio by research similar to that done for our One-Time Service for an entire portfolio at your request.
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right_arrow.GIF (180 bytes) National Flood Research offers the Life of Loan Service for portfolio reviews as well as One-Time Service.
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National Flood Research has the most up to date statistical HMDA/Census information  which can be attached to your flood certification at your request.  Note: The Home Mortgage Disclosure Act (HMDA) requires all lenders receiving more than 100 mortgage applications a year to report to their regulators annually by Census Tract, Race, and Income where they have approved or rejected mortgage applications.
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spacer10.GIF (41 bytes) right_arrow.GIF (180 bytes) spacer10.GIF (41 bytes) NFR offers Census Data on your Flood Certification, or ordered by itself.
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right_arrow.GIF (180 bytes) NFR accepts weekly, monthly, and quarterly reports in hard copy form or on diskette in order to prepare HMDA reports for you.
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right_arrow.GIF (180 bytes) The HMDA/Census information you will recieve will be: City, State, Census Tract and MSA code.