Frequently Asked Questions

A mortgagee clause is the portion of an insurance policy that names the lender (mortgagee) as an interested party. It includes the lender's legal entity name, mailing address, and often ISAOA/ATIMA language. The clause ensures that the lender receives notice of policy changes, cancellations, or claims.

ISAOA stands for "Its Successors and/or Assigns" and covers successors and assigns of the loan when the mortgage is sold or transferred. ATIMA stands for "As Their Interests May Appear" and limits the lender's loss payment to its actual insurable interest, typically the unpaid loan balance. Most lenders require both phrases in the published mortgagee line.

A "dec page" (declarations page) is the first page of an insurance policy that summarizes key information: the policyholder's name, property address, coverage amounts, premium, effective dates, and the mortgagee clause. It's the document most commonly requested by lenders to verify insurance coverage.

Lender-placed insurance (also called force-placed insurance or CPI — creditor-placed insurance) is coverage that a mortgage lender purchases on behalf of a borrower when the borrower's own insurance lapses or doesn't meet the lender's requirements. LPI is typically much more expensive than standard homeowner's insurance and only protects the lender's interest, not the homeowner's belongings.

Continuously. Verified entries show the month they were verified. Other entries stay Pending Verification until a source is recorded.

We currently index 824 lenders and servicers across all 50 states, including national banks, regional banks, credit unions, non-bank servicers, subservicers, state housing finance agencies, and GSEs. The number grows weekly as the community submits new clauses.

Yes. Some lenders require different mortgagee clause addresses for homeowner (hazard) insurance vs. flood insurance. Our database flags these lenders with an "alternate flood address" field so you always send to the right PO Box.

We map each lender to their insurance verification platform — including MyCoverageInfo.com, ihaveinsurance.com, ImCovered.com, ExpressInsuranceInfo.com, MyInsuranceInfo.com, and others. Plus members get the lender-specific portal URL (e.g., [redacted]), the platform slug or code, the agent portal URL if different from the borrower portal, and exactly what login credentials the platform requires (Loan # + ZIP, [redacted], UID, Reference ID, etc.). This means you can go directly to the right page and submit proof of insurance immediately after binding — no guessing which URL to use.

A platform slug is the lender-specific path on a verification portal. For example, Chase uses [redacted] and U.S. Bank uses ihaveinsurance.com/usbank. Without the correct slug, you may land on a generic page that doesn't recognize the borrower's loan. Some lenders use code-based slugs like wf708 for Wells Fargo variant #708 or [redacted] for Cenlar-serviced loans. We capture all of these so you always land on the right page.

Yes — and we review every submission. Use the Submit a clause form with the lender name, full clause text, mailing address, and a source we can verify. If we add or update the listing, you help improve the database for everyone.

Yes. At checkout you pay by U.S. bank account (ACH debit) first, then card if you prefer. Apple Pay and Google Pay appear when your browser and domain support them. We do not accept PayPal. You authorize recurring debits for your plan until you cancel. Returned or reversed ACH debits may incur a $15 returned payment fee (or the maximum permitted by law) and can lead to suspension—see our Terms of Service (ACH section).

Our database is a reference tool only. Entries marked Pending Verification have not yet met our internal source standards; Verified means we recorded a verification source and date—but neither status guarantees a lender or servicer will accept the information for your loan or policy. Always confirm clause wording, addresses, and portal requirements directly with the lender or servicer before you rely on them.

Yes. Anyone can browse public lender directory pages (name, city, state, type, and status) without an account. New accounts get a 30-day trial with up to 3 full clauses and no card required. After that, a paid plan (Plus, Team, or Agency) is required for clause text, addresses, contacts, and sources.

Plus gives individual agents full clause data, contacts, verification links, aliases, and lender intelligence at $20/mo. Team includes 5 seats on one bill at $49/mo, with optional extra seats ($10/mo or $100/yr each, up to 12 people total). Agency includes 25 seats at $129/mo with no add-on seats — contact us for Enterprise beyond 25.

Founding member rate, locked for life is our founding annual pricing (Plus $149/yr, Team $390/yr, Agency $990/yr). Your rate on that tier stays the same while you remain subscribed. The lock covers your plan tier, the features included in it, and improvements we make to those features over time—not every future product. New major add-ons (such as flood, LPI, or loss draft tools) may be priced separately. Custom Enterprise API access is available today under separate agreements; founding members may receive early access or a member discount when we offer one (no guaranteed discount). The lock ends if you cancel or lapse past the grace period. Changing tiers uses that tier’s founding rate if still available, otherwise current pricing. Available through 10/31/2026 at 11:59 PM Eastern Time. See the pricing page.

Standard annual billing saves about two months versus paying monthly (Plus $200/yr vs $20/mo). Founding annual plans use the founding member rate, locked for life (see above). You can change plans from billing or the Stripe customer portal.

Yes. No contracts, no cancellation fees. Cancel from your dashboard and your access continues until the end of the current billing period. You won't be charged again.

Use Submit a clause with the lender name, clause text, address, and source. If we verify and publish it, you help improve the database for other agents and closers.

No. A Find a Lender request asks us to research a missing listing; it does not submit clause data. Use Submit a clause when you have wording to verify.

Paid plans include a 30-day money-back guarantee on your first charge. See Refunds for details and how to request one.