what if you are doing a new loan with an existing customer that paid off his loan last year and property is in a flood zone and we had flood insurance, we of coursed pulled a new flood and will have customer sign notice, but since he already has flood insurance in place do we have to give at least 10 days before closing? we pulled new flood today and customer is coming in to sign Flood Notice, Flood Insurance in force already, can we close loan tomorrow?