Texas Mortgagee Clauses

Mortgagee Clauses in Texas

MortgageeClauses.com lists 104 lenders and servicers in Texas. Each directory listing shows the lender name, category, city, NMLS ID when we have one, and the verification portal or servicer name.

Texas is the second-largest mortgage market in the US. The state has unique homestead protections that affect mortgage servicing. Texas is a non-judicial foreclosure state, meaning foreclosures proceed without court involvement. Flood insurance is critical along the Gulf Coast, with many lenders requiring separate flood clause addresses. The Texas State Affordable Housing Corporation (TSAHC) and Texas Department of Housing and Community Affairs (TDHCA) both offer down payment assistance programs.

Texas has significant flood zone exposure. Many lenders require separate mortgagee clause addresses for flood insurance vs. hazard insurance. Our database flags these lenders with alternate flood addresses so you always send to the right PO Box. Learn more about flood clauses →

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