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What is a flood certification?

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What is a flood certification?

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A. A flood certification indicates whether a property is within a designated flood zone, and Home Loan is required to obtain flood certification for all loans secured with residential property. If your property is within a flood zone, you will need proof of flood insurance to proceed with your loan.

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A flood certification determines whether a property is located in a flood zone and whether flood insurance is required by the Flood Disaster Protection Act. A flood certification is required to be performed on virtually every loan.

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