Blog & guides
Verified mortgagee clause lookup, portal workflows, and plain-language explainers for insurance agents, CSRs, loan officers, title, escrow, closing attorneys, and real estate teams.
Articles
A storm watch can freeze new home insurance days before closing. How binding suspensions work and how to bind, add the clause and send EOI first.
Guides Condo HO-6 and Master Policies: Listing the MortgageeWhere the lender goes on a condo HO-6 vs the HOA master policy, when an HO-6 is required, and what evidence lenders need for condo closings.
Homeowners How to Find Out Who Services Your MortgageNot sure who services your mortgage? Check your statement, transfer notices, MERS ServicerID, and Fannie Mae or Freddie Mac lookups. Here's how.
For Title & Closing Insurance Binder for Closing: What Lenders NeedWhat title, escrow, and lenders need on the homeowners insurance binder or dec page before closing, and the field-by-field checks that prevent delays.
Homeowners Insurance Check Made Out to You and Your LenderWhy your home insurance claim check names your mortgage company, how the loss draft process works, and steps to get repair funds released faster.
For Agents & CSRs Force-Placed Insurance Letter When You Have CoverageGot a force-placed insurance letter even though you're insured? Why servicers reject proof of insurance, what Regulation X requires, and how to fix it.
Guides Mortgagee Clauses on Flood Insurance: NFIP vs PrivateHow the mortgagee is listed on NFIP and private flood policies, what the SFIP mortgage clause says, and what lenders require for private flood.
Guides Mortgagee Clause Format and Example WordingA generic mortgagee clause template explained line by line: lender name, ISAOA/ATIMA, insurance address, loan number, plus Fannie and Freddie variations.
For Title & Closing Mortgagee Clause Mistakes That Delay ClosingsThe mortgagee clause and insurance mistakes that hold up closings, and a simple checklist real estate agents and TCs can use to keep deals on time.
For Lenders & Loan Teams Mortgagee Clause Rules: Fannie, Freddie, FHA and VAWhat Fannie Mae, Freddie Mac, FHA, and VA actually require for the mortgagee clause on property insurance, with links to each official guide.
Homeowners Remove Your Lender From Home Insurance After PayoffPaid off your mortgage? How to remove the lender (mortgagee) from your homeowners policy, take over premium billing, and what changes with escrow.
For Lenders & Loan Teams Second Mortgages and HELOCs: Adding a Second MortgageeHow to list a HELOC or second mortgage lender on a homeowners policy, how claim payments are split between mortgagees, and what changes at refinance.
For Agents & CSRs Update a Mortgagee Clause After a Servicing TransferLoan sold or servicing transferred? How to read the RESPA transfer notice, confirm the new servicer, and update the mortgagee clause on the policy.
Product How to Find Any Lender's Mortgagee Clause in 10 SecondsStop Googling PO Boxes. Here's how to find any lender's mortgagee clause in under 10 seconds.
Guides ISAOA/ATIMA: What It Means and Why It's on Every Mortgagee ClauseISAOA covers successors and assigns of the loan; ATIMA limits loss payments to the lender's insurable interest. Plain-language guide for agents.
For Agents & CSRs Lender-Placed Insurance: What It Costs, Why It Happens, and How to Prevent ItForce-placed insurance is far costlier than voluntary coverage. Here's why it happens and how agents help borrowers avoid it.
For Agents & CSRs Understanding Insurance Verification Portals: MyCoverageInfo, ihaveinsurance, and BeyondHow lender insurance portals work, what they expect on upload, and how to match the mortgagee block to the loan file.
Guides What Is a Mortgagee Clause? The Complete Guide for Insurance ProfessionalsDefinition of the mortgagee clause, where it appears on the policy, and why exact lender wording matters at bind and renewal.
Guides hub
Long-form reference pages — also listed under /guides.
A mortgagee clause is the part of a property insurance policy that names the lender (or its loan servicer) as a party entitled to be paid for damage to the mortgaged building and to be told before the policy is canceled. Under a standard mortgage clause, the lender's right to payment survives even when the borrower's own claim is denied for something the borrower did.
Guides ISAOA and ATIMA ExplainedISAOA stands for "its successors and/or assigns" and keeps the lender's insurance protection valid for whoever later holds or services the loan. ATIMA stands for "as their interests may appear" and limits the lender's share of a claim payment to its actual insurable interest, which is usually the unpaid loan balance.
Guides How to Add or Change a Mortgagee ClauseTo add or change a mortgagee, get the exact clause (name, successor language, address, loan number) from the lender or servicer, submit a mortgagee change request to the insurer or through the agency system, and send the lender updated evidence of insurance showing the new mortgagee. For a purchase or refinance, have that evidence in the lender's hands before closing; for a servicing transfer, the servicer normally requests the change.
Guides Loss Payee vs. Mortgagee vs. Additional InsuredA mortgagee is a real estate lender named on a property policy with its own protected right to building-loss payments and cancellation notice. A loss payee is a party, usually a lender or lessor on personal property, vehicles, or equipment, that is paid for loss to that specific property. An additional insured is a party added to liability coverage so the policy defends and covers it for claims arising from the named insured's operations or premises.
Guides Proof of Insurance and EOI for LendersLenders and servicers accept proof of property insurance in a few forms: the policy declarations page, an evidence of property insurance form such as ACORD 27 (residential and small commercial) or ACORD 28 (commercial property), or a full policy copy. Whatever you send must show the correct mortgagee clause, insured property, coverage, deductibles, and policy period, and it should go to the lender's or servicer's designated insurance address or portal, not to the payment address.
Guides Mortgagee Clause Requirements by StateFor most residential loans, the content of the mortgagee clause is set by the lender and the investor or insurer behind the loan (Fannie Mae, Freddie Mac, FHA, VA, or USDA), not by state law, so the core format is essentially the same in every state. State law mainly affects the surrounding details: insurance cancellation and notice rules, approved certificate forms, deed-of-trust wording, and the requirements of state housing finance agencies.