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A borrower applies for a mortgage and the lender discovers the property is in a Special Flood Hazard Area (SFHA). What must the lender require?

Loan Origination Activities · 27% of the SAFE exammedium

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Correct answer: Flood insurance must be obtained as a condition of the loan

When a property is in an SFHA, federally regulated lenders must require flood insurance as a condition of making the loan. The borrower must maintain coverage for the life of the loan. This is required under the National Flood Insurance Act.

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