18 LERETA, LLC 1123 Park View Dr. Covina, CA 91724 John Short (626) 667-1506 jshort@lereta.com lereta.com LERETA provides real-time flood zone determination services that include flexible levels of service based on our customers’ needs from simple delivery of flood zone determination to complete portfolio life-ofloan tracking. Our innovative technologies and dedicated team of real estate tax and flood service professionals provide the mortgage and insurance industries the fastest, most accurate and complete access to property tax and flood information across the country. LERETA’s Flood Service options include Flood Zone Certification: all flood certifications are determined using digital and hard copy FEMA Flood Insurance Rate Maps and Flood Hazard Boundary Maps in conjunction with geocoding software, street maps, tax maps, plats, and aerial and satellite photos. LERETA’s Flood Services offer Basic Determination/Certification: a one-time certification that satisfies Federal regulatory market requirements at origination. HMDA/Census Tracking information is available with each determination. Lifeof-Loan Determination/Certification: the certification assures compliance with all Federal regulatory and secondary market requirements and provides the flood hazard status of the property for the life of the loan. Services include fast flood zone determination turnaround times – over 99% of our orders are completed and delivered back in 24 hours; 89% are delivered instantly, accurate, to-thestructure determinations; easy, convenient access to instant certificates and borrower notices; life-of-loan flood services include monitoring and reporting of ALL changes in the flood hazard status of the loan; monthly flood hazard reports; tracking of the flood hazard status of existing and acquired loans is available. Moss Adams, LLP 601 W. Riverside Ave., Ste. 1800 Spokane, WA 99201 Mike Thronson (509) 747-2600 mike.thronson@mossadams.com www.mossadams.com The Moss Adams, LLP Financial Institutions Group serves more than 500 banks, thrifts, mortgage companies, and other financial entities, including more than 40 publicly held institutions. With over 150 skilled individuals firmwide who dedicate virtually all of their public accounting careers to financial institutions, we can provide resources to help you compete more effectively. Our practice serves organizations ranging in size from start-ups to those with greater than $23 billion in assets, and we have experience dealing with all stages of the growth cycle, including de novo, mergers and acquisitions, public markets and SEC reporting, and mutual stock conversions. Founded in 1913 and headquartered in Seattle, Moss Adams is the 11th largest accounting and consulting firm in the United States and the largest headquartered in the West. We aim to make a measurable difference in our clients’ businesses by delivering industry-specific insight, accessible and proactive service, and strong relationships built on candor and trust.
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