LPS National Flood goes beyond simply providing accurate FZDs. We will tailor additional services to fit the demands of your organization.

Flood Zone Determinations
Flood Zone Determinations

Basic Flood Determination: A guaranteed flood zone determination (FZD) that provides all the required FEMA flood map and community participation status information.

Life of Loan Flood Zone Determination: A guaranteed FZD that provides all the required FEMA flood map and community participation status information. The FZD is monitored for FEMA flood map revisions and community participation status changes for the term of the loan to maintain compliance with federal regulations and secondary market guidelines. Additionally, LPS National Flood' life of loan FZDs are transferable between servicers.

A borrower’s notification letter is included with a FZD for properties located in a Special Flood Hazard Area (SFHA).

HMDA Information
HMDA Information

LPS National Flood uses geocoding software in conjunction with reliable property location techniques to ensure compliance with the Home Mortgage Disclosure Act (HMDA). We provide the four required elements: Census Tract, Metropolitan Statistical Area, County Code, and State Code. HMDA information can be ordered with a FZD or independently in batch format. 

FIRMTracker™
FIRMTracker™

LPS National Flood will monitor existing portfolio loans for flood map revisions, which satisfies the lender’s requirement to track changes of flood insurance status. We will notify the lender if the flood hazard or community participation status changes for loans in the portfolio.

Life of Loan Conversion
Life of Loan Conversion

LPS National Flood can assign life of loan tracking to flood zone determinations performed by third party vendors. We will assume responsibility for updating flood zone information on the entire portfolio, which eliminates vendor management concerns and provides a comprehensive guarantee for all loans in the portfolio.

FloodComp™
FloodComp™

LPS National Flood has strategic alliances with several flood insurance companies to provide insurance policies, tracking, and forced-placement services (flood insurance obtained by the lender on behalf of the borrower for properties located in a SFHA).