Sometimes it’s the VA that asked the question first  and then the person they’re marketing for comes on the thread and answers the questions to promotes their services.

I am in the Lehigh Valley.

If you do, could I ask how that has been going and has the rents been comparable to the payment standards advertised by the respective housing authority?

Deny the ESA.

Primarily desert washes, but also near a creek....So I would go knock on doors and ask neighbors when it has flooded and what they think about the area......maybe call the County water board and ask then what has happened there in the past.

Hey @Michael W Hauck, welcome to the BP Forum! 

(The claim situation)How did the umbrella policy protect you?

Drive around the neighborhoods to understand the lay of the land - if you have someone who will take you around and explain, better yet. 

there are ways to get around the highest and you also need to take into account the savings you will generally have on the purchase side when compared to other regions. 

I can help with the refinance to pull equity out, but no the purchase, as 99% of the industry won't finance mobile homes.