Every new loan application to be secured by real estate, including business loans, first and second mortgage loans (including home equity loans), and mobile home loans require the credit union to obtain flood certification. This certification needs to be provided by a third party who must guarantee the accuracy of the determination.

In recognizing the necessity and obligations related to mortgage lending, Members Insurance Agency has developed a turnkey program that offers competitive pricing and flexible accessibility options. You can order your determinations by fax, through a free Windows-based software program, or via the Internet. Response is guaranteed to be within 24 hours and many are instantaneous.

Services provided by our Flood Determination Program include the following:

• Basic Determination: Provides the Flood Zone, Community Number, Map and Panel Number, Community Participation Information, Map Date, Entry Date, and Insurance Availability.
• Life of Loan Determinations: Provides all services that are part of the Basic Determination PLUS map change tracking with follow-up determinations for the Life of Loan (LOL).
• HMDA Census Tracking (applies to credit unions with assets in excess of $10 million)

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