Choosing which product that satisfies the needs of your company can be mind boggling.  That is why at Arnold Insurance, flexibility comes easy.  We consider ourselves pioneers in accommodating the specialized needs of individual businesses.

We offer any combination of the following:

• Life of Loan Certification—Hand-mapped determinations to the structure that are maintained for the full Life of the Loan.  This service keeps you in compliance and we track any status or map changes for each determinations.
• Regular Certification—Low cost alternative to the Life of Loan Service.  This keeps you in compliance for a nominal up-front fee until you sell this loan in the secondary market.

• LOL Conversion—This option allows you to purchase regular certifications and then covert them to Life of Loan certs if your decide not to sell the loan on the secondary market.  Therefore you have the low cost upfront, and still have peace of mind that your compliance should there be a status or map change.

• Portfolio Review / Monitoring— This service offers you a review of your entire loan portfolio.  We will determine which properties are at the highest risk of non-compliance, and determine your best plan of action.

•  HMDA—To help you comply with the 1975 Home Mortgage Disclosure Act (HMDA), census tract data is available. We use the data from the U.S. Census Bureau’s TIGER Systemä. 

• Site Inspection—One of the advantages of having a local flood determination company is when there is a dispute over the location or the placement of a structure, or the property, we can go directly to the property and view it for you when a lot survey or other documentation is unavailable.

• Individual and Force Placed Flood Insurance Policies—We have licensed insurance agents, in our office, that can help your borrowers obtain flood insurance through the National Flood Insurance Program (NFIP). Or if your borrower does not want to comply with the flood insurance compliance guidelines, we can help the lender apply force placed flood insurance.

• Letter of Map Amendment (LOMA)/Letter of Map Revision (LOMR) Process— With this service, we can  help you and your customer apply for an amendment to the FEMA maps.    
• Nationwide Services— Even though most of our customers are located in the Midwest, we know their borrowers purchase properties all over the United States, and we can complete determinations for these properties.
• Custom Billing— We can complete billing for lenders via email or mail, however they request.
• Automated Ordering - Lenders can easily navigate into our automated system.  Once there, flood certification request can be performed
• Flood 101 – Training / Seminar— We supply onsite training for new employees, or compliance training as new guidelines have been issued.