I am interested in, however it's current flood zone status is what is holding me back and probably plenty of other people back as well..Just curious has anyone ever gone throught FEMA for a LOMA (Letter of map amendment) This entails getting a elevation certificate as well to see the lowest point of the property in relation to base flood elevation.Property sits in an AE zone but the line for the X zone (low to moderate risk) runs directly down property line so it is on border.

If yes, is there any way we can get the process slowed with ensuring to the certificate holder that the money will come to pay him back?

Yep, Jerry.Or, use a Corp and have the owner pass off the stock certificate, if he doesn't have it it's hard to prove who owns it. :)

I would consider asking the seller to remove the tank and get a "no further action" certificate from the State Environmental office (that's what it's called here in NC - not sure if it is the same in NJ but pretty certain there is an equivalent.

we know a great little massuese & no-one has complained about the gift certificates YET.

I've got a file with a cash flow statement, the same one Rich Dad Poor Dad uses, recent pay checks, 3 months of all my bank accounts, credit cards, and student loans, certifications from dorky house buying classes I've taken (it counts towards something) and my fed and state tax returns for two years, and a relatively newish credit report.

If an elevation certificate shows the property is 4 feet above base flood elevation, the annual premium could drop to $553.

In most cases, the confirmation will be complete and a Certificate of Title will be issued within 10 days.

Dekalb county has a tougher crew of inspectors than much of atlanta (Fulton side)In general, they should not have issued you the certificate of occupancy if you didn't have that final building inspection.Patrick

The gift letter must:• specify the dollar amount of the gift;• specify the date the funds were transferred;• include the donor’s statement that no repayment is expected; and• indicate the donor’s name, address, telephone number, and relationship to the borrower.When a gift from a relative or domestic partner is being pooled with the borrower’s funds tomake up the required minimum cash down payment, the following items must also be included:• A certification from the donor stating that he or she has lived with the borrower for the past 12months and will continue to do so in the new residence.• Documents that demonstrate a history of borrower and donor shared residency.