This is to advise all clients that on December 28, 2010, FHA published the above Mortgagee letter (copy attached) that revises its flood zone requirements. Effective for all case numbers assigned on or after March 1, 2011: 1. Mortgagees must obtain life-of-loan flood zone determination services for all properties securing FHA loans. 2. Properties located within a designated Coastal Barrier Resource System unit are not eligible for an FHA-insured loan. Attached to Mortgagee Letter 2010-43 is an Appendix that identifies the flood insurance requirements for the various property types covered by the letter.

Complete Memorandum