Ooooohhh, Y'all are gonna love this! We still have not closed our re-fi......"why" you ask??? A four letter word is "why"......
F.E.M.A.
Yes, in 2010 all banks have to check the FEMA flood maps to see if the residence is in a flood zone. Of course the log house is 158' above the creek, but FEMA's map is wrong showing the area at creek level which is a flood zone. No, they won't accept "27 8x10 color glossy photographs" as evidence. Nor would they accept a notorized affidavit from the mayor and building inspector of our county. They want us to go get $2K in flood insurance(ha... fat chance).
So, FEMA has no way/no one within their agency to correct these maps. Correction falls upon "us", the land owner and the only thing they will accept is a licensed surveyor's survey showing the location of the house along with the gps coordinates. The surveyor was out on Friday and already has this done, but my big question is how can FEMA dump this on my shoulders to fix their issue....at MY expense? I have a big problem with this.......grrrrrrr..............!!!!!!!!!!!!
{sigh}