Flood Report (Basic) – Provided by Geotrac Online. Geotrac delivers more than 99% accuracy by targeting the insurable structure with their comprehensive database of flood zone information, including:

• Current-in-Force FEMA Community Status
• Current-in-Force FEMA flood maps

• Letter of Map Amendment/Letter of Map Revision data
• Geographic Information Systems databases
• Tax maps
• Aerial photography

Geotrac's flood zone determinations include all the federally-required reporting elements plus:

• Availability of flood insurance
• Estimated amount of flood insurance
• Freddie Mac, Fannie Mae and government lending restrictions
• Required consumer notifications
• 100% guarantee, backed by a $10 million E & O policy

Flood Report (life of loan) - Provided by Geotrac Online.Provides comprehensive monitoring of loans from origination forward. In addition to initial flood zone determinations, the service provides full tracking for FEMA map or Community Status changes. Geotrac's life-of-loan services ensure the accuracy of your data related to:

• First mortgage loans
• Consumer and equity loans
• Determinations from other vendors
• Existing and/or acquired portfolios

Junior Title – Provided by LandAmerica. Provides Junior ALTA policies online via LoanDecision+. The Junior ALTA provides all of the key information required to establish legal ownership of a property: vesting information, legal description, monetary liens, and a current tax year search. Most importantly, the Junior ALTA insures the lender against any errors in the title search. The advantage to the Junior ALTA is that a property search is obtained instantly from participating county databases, drastically reducing turnaround times and lowering the cost of the policy to a fraction of a Full ALTA policy. The Junior ALTA Policy is an ALTA approved product that provides property / tract search information but also includes title insurance that reimburses lenders for losses covered by the policy in the instance of a claim against the title that was not revealed by the property / tract search.

Tax Return Verification – Provided by LandAmerica. Provides Tract Search online via LoanDecision+. Tract Search is a non-insured product that provides vesting, legal description, monetary liens, and a current tax year search on a property.

AVM (Automated Valuation Model Appraisals) – Provided by CASA. Credit unions will be able to order AVM through LoanDecision+. AVM stands for Automated Valuation Model and is typically referred to as a report that estimates the value of a property based on historical data of properties and projection of property values. In layman term, AVM is an automated appraisal, which takes seconds to generate a value estimates versus a manual appraisal which takes days to complete. Similar to appraisal, AVM is more or less is a subjective measure relative to the data and methodology that were used.

AVMs can be use for the following purpose:

• Automated underwriting and origination
• Prequalify
• Collateral scoring
• Appraisal QC
• Loss mitigation
• Portfolio valuations
• Marketing programs
• Evaluating insurance needs