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Flood Hazard Areas. Most lenders will not lend you money to buy a home in a flood hazard area unless you pay for flood insurance. Some government loan programs will not allow you to purchase a home that is located in a flood hazard area. Your lender may charge you a fee to check for flood hazards. You should be notified if flood insurance is required. If a change in flood insurance maps brings your home within a flood hazard area after your loan is made, your lender or servicer may require you to buy flood insurance at that time.

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Table of Contents

Mortgage Brokers

Government Programs

CLOs. Computer loan origination systems

Types of Loans

Interest Rate, "Points" & Other Fees

Lender-Required Settlement Costs

Comparing Loan Costs

Lock-ins

Tax and Insurance Payments

Transfer of Your Loan

Mortgage Insurance

Flood Hazard Areas

Resources

Pardee Home Loans

Source: U.S. Department of Housing and Urban Development

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