Flood Hazard Compliance Services

Basic Flood Certificate

A one-time, guaranteed flood certification provides all required FEMA flood map, flood hazard status and community participation status information, including the FEMA mandated borrower notification letter.

Life-of-Loan Certificate

Guaranteed certification at origination and monitoring for FEMA flood map revisions and community participation status changes for the term of the loan. Life-of-Loan certifications are transferable and help to ensure compliance with federal regulations and secondary market guidelines.

Census Tract Data

Ensures compliance with the Home Mortgage Disclosure Act (HMDA). LSI provides the four required elements: Census Tract, Metropolitan Statistical Area, County Code, and State Code. HMDA can be ordered with the flood zone certification or independently in batch format.

FIRMTracker

Tracks the servicer's existing portfolio for flood hazard changes due to Flood Insurance Rate Map (FIRM) and community participation status revisions.

Life of Loan Conversion

Track certifications done by third party vendors. When combined with FIRM Tracker, LSI is responsible for updating flood data on the entire portfolio.