The event will include updates on this year's findings and a guided bird walk with a Tracy Aviary expert. The advancement in electronic notarizations and changes in law that affect creditors rights were two drivers to revise the base policies. Financial Crimes Enforcement Network (FinCEN), Non-Title Recorded Agreements for Personal Service, National Title Professional Designation (NTP), ALTA Endorsement 47 Operative Law 2006 Owners Policy, ALTA Endorsement 47.1 Operative Law 2006 Loan Policy, ALTA Endorsement 47.2 Operative Law 2013 Homeowners Policy, ALTA Endorsement 47.3 Operative Law 2015 Expanded Coverage Residential Loan Policy, ALTA Addendum Operative Law 2012 Short Form Residential Loan Policy, ALTA Addendum Operative Law 2015 Short Form Residential Loan Policy Current Violations, ALTA Addendum Operative Law 2015 Short Form Expanded Coverage Residential Loan Policy. Closing Protection Letters were not revised during the ALTA 2021 forms' rollout. Applications may be found at www.alta.org/waiver. 2. ALTA Policy: Owner's Policy: 2021 v. 01.00 A 2021-07-01: pdf: doc: ALTA Policy: Res Ltd Cov Mort Mod Pol: A 12-01-14 TC 08-01-16: pdf: doc: ALTA Policy: Short Form Expanded Coverage: R 01-01-08 07-26-10 TC 06-23-11 R 04-02-14: pdf: doc: ALTA Policy: Short Form Residential Loan Policy: 2012 12 03: pdf: doc: ALTA Policy: US Policy: 2012 12 03 . The parties are free in each case to agree to different terms, and the use of these forms is voluntary, unless required by law. ALTA LOAN POLICY COMPARISON CHART This comparison chart is intended as a guide to identifying differences between the 2021 and 2006 ALTA policies. Any material, forms, documents, policies, endorsements, annotations, notations, interpretations, or constructions included in Virtual Underwriter are made available as a convenience only and should not be considered as altering or modifying the text of any matter to which they relate. 0 Virtual Underwriter is an underwriting tool. Financial Crimes Enforcement Network (FinCEN), Non-Title Recorded Agreements for Personal Service, National Title Professional Designation (NTP). PDF Expanded Coverage Owners Policy (ALTA "Homeowners" Policy) Dear Associates:The American Land Title Association (ALTA) recently adopted new/revised forms effective as of July 1, 2021. Exclusion 9 of the Loan Policy and Exclusion 7 of the Owners Policy exclude liability for the quantity of area, square footage, or acreage described in the Land (if any). Joe and his wife of 24 years, Mikki, have 4 children and serve actively at Northport Baptist Church. The Forms are copyrighted, and use is restricted to ALTA Policy Forms Licensees (including ALTA Members) in good standing as of the date of use. (The 2016 Commitment forms already had this feature in case it sounds familiar.). There are two versions of the ALTA Owner's and Homeowner's policies depending on the state your property is located. There are also changes to the following policies: Why are some terms in the new 2021 forms capitalized? The ALTA Forms Committee, which is made up of industry experts and includes some of First Americans brightest and most seasoned underwriters, was tasked with reviewing and revising the forms. 442 0 obj <>stream That should be one less page for you to have to routinely print off in case you get asked for that a lot, especially in commercial transactions. ALTA Owner's Policy of Title Insurance Schedule A, B (7-1-21). PDF Manual of The Title Insurance Rating Bureau of Pennsylvania This is now part of the Covered Risk 2(a) just as traditional in-person notarization is. / 40.219194N 111.723361W / 40.219194; -111.723361. We value your privacy. For historical perspective, the 1970 policies were revised in 1984, followed by a complete rewrite in 1987. 0 A new defined term is introduced: Enforcement Notice. This is a document affecting the Title, recorded in the Public Records at Date of Policy that describes any part of the Land and identifies a violation or enforcement of a law, ordinance, permit, or governmental regulation, exercise of a power, or enforcement of a PACA-PSA Trust. This site provides access to the ALTA collection of forms and related documents. Biography . The PACA exception wont be a fight anymore. These new Endorsements and Addenda have been designed to accompany the 2006 policies while those forms are still in use, where considered appropriate by the issuing title insurer. It was auto-generated by a GEDCOM import and needs to be edited. The ALTA standard Policy Forms have been formally revised over the years to reflect changes in the marketplace brought about by evolving business practices, expectations of insureds, laws, regulations and legal decisions. Comments may be submitted to forms@alta.org. Provo Municipal Airport. 2021: A year for new ALTA forms - Land Title Association of Mississippi MANUAL OF THE TITLE INSURANCE RATING BUREAU OF PENNSYLVANIA . CTIC ALTA Policy Comparisons - FlippingBook Get Your ALTA Title Insurance Endorsement Guide Here The Endorsement Guide is intended to serve as an introduction to the most commonly requested title insurance endorsements in today's market. Revisions to the 2021 ALTA Policy Forms collection have been published and went into effect July 30, 2021. 2. The base definition is substantively the same as its been for many years dating back to the 1987 ALTA policies. Contact ALTA at 202-296-3671 or communications@alta.org. Looking for ALTA Settlement Statements? Probably so. Date January 26, 2021 By now you've probably heard that the American Land Title Association (ALTA) has approved new forms of Commitment, Owner's Policy, and Loan Policy to be effective July 1, 2021. 09-21-2021: v1.01 - Change to Covered Risk 12, v. 1.00 replaced by technical correction v. 1.01 on 12-31-2022, Redline of 2021 v01.01 against 10.1-06 (02-03-2010), Version 01.01 publication on 8/6/2021; version 01.00 publication on 7/30/2021, 12.1 (2021 v. 1.00) redline. But seriously, these policies dont just churn themselves out. If legal advice or services or other expert assistance is required, the services of a competent professional person should be sought. Committed to lifelong learning, Joe earned the LL.M. Joe Powell is Vice President and Managing Underwriting Counsel for Fidelity National Title Group National Commercial Services Southeast. Financial Crimes Enforcement Network (FinCEN), Non-Title Recorded Agreements for Personal Service, National Title Professional Designation (NTP). COMMITMENTS TO INSURE . 2021 and 2022 ALTA Forms - stewartcom Words that are capitalized are defined terms in the policies. Contact your local Stewart Title officeto see which will apply to your transaction. A new twist on the defined term Insured will allow coverage under the Owners Policy to continue when the Land is conveyed to an affiliate, even when money changes hands. SCHEDULE A. TIRBOP Policy Forms - Title Insurance Rating Bureau of Pennsylvania ${current-year} Stewart Title Guaranty Company. All Rights Reserved. Assumes compliance with Stewart Titles underwriting requirements for issuance of the applicable policy, state or federal tax lien, condominium or homeowners association lien), to create a document by electronic signature, and repudiation of an invalid electronic signature, because it was built without a proper building permit (subject to a deductible), due to an existing violation of a zoning law or zoning regulation (subject to a deductible), encroach into an easement or over a setback line, of the land for the extraction or development of minerals, water or any other substance. If theres one thing I know as a lawyer it is this: Words have meaning. ALTA Owner's Policy of Title Insurance Schedule A, B (7-1-21) Every single word was chosen intentionally and after vigorous debate as to its effect on coverages. Who Does The Work? Transaction Identification Data, for which the Company assumes no liability as set forth in Condition 9.d. You may view the charts on the ALTA website. Only Stewart Issuing Offices may rely on Virtual Underwriter and only to issue Stewart insurance forms. Alta Birding Hikes will be held on the third Thursday of the month from May to November. Recommended changes were approved by ALTA's Board of Governors in May, for adoption on July 1, 2021. Stewart Title offers our residential customers various levels of coverage for your protection. Issuing Office: There are some new defined terms and some existing defined terms that have been revised. Join the Tracy Aviary Conservation Team on a monthly bird survey at Alta. Have you ever taken exception to a legal description that recites acreage? SECTION H GENERAL RULES - ENDORSEMENTS H1 Charges 84 H2 Deletion of Standard Printed Exceptions 84 H3 Insuring over Objections in Owner's and Lender's Policy 85 H4 Filed Endorsement Charges 85 ALTA Endorsements86 CLTA Endorsements89 COLO Endorsements 91 STG Endorsements 93 Stewart Title Guaranty Company - CO August 15, 2021 ALTA - ALTA Insights: What You Need to Know About the 2021 ALTA Policy 113 0 obj <>/Filter/FlateDecode/ID[<466861483AAE4977F477CCA3B5899F86><97125EFB51CDB245A8C93057A34C0C88>]/Index[95 34]/Info 94 0 R/Length 98/Prev 428565/Root 96 0 R/Size 129/Type/XRef/W[1 3 1]>>stream Attorney agents will also want to work with their production software providers to ensure that the updates have been made after forms have been appropriately filed and approved by state regulators, and authorized by their underwriters. Please refer to the policy for actual coverages related to your transaction. Recommended changes were approved by ALTAs Board of Governors in May, for adoption on July 1, 2021. Contact ALTA at 202-296-3671 or communications@alta.org. The ALTA Homeowners Policy provides enhanced coverage and protects you from matters appearing in the Public Records and items not appearing in the Public Records, including some that might occur after the policy is issued. I recall giving a talk on the proposed changes about 4 years ago the first time when some of the new Policy wording started to trickle out. 2023 First American Financial Corporation and/or its affiliates. First American Title Insurance Company makes no express or implied warranty respecting the information presented and assumes no responsibility for errors or omissions. ALTA Homeowners Policy of Title Insurance; ALTA Short Form Commitment for the Short Form Residential Loan Policy; ALTA Expanded Coverage Residential Loan Policy of Title Insurance Assessments Priority; ALTA Expanded Coverage Residential Loan Policy of Title Insurance Current Assessments; ALTA Short Form Expanded Coverage Residential Loan Policy Assessments Priority; ALTA Short Form Expanded Coverage Residential Loan Policy Current Assessments; ALTA Short Form Residential Loan Policy Assessments Priority; and, ALTA Short Form Residential Loan Policy Current Assessments, To learn more about the revised forms, join us for our CLE webinar series , Title Camp 1 2023:Reviewing Alta Forms & Endorsements: The 2021 Changes, Get Your Alta Title Insurance Endorsement Guide Here. Join us for the First American-sponsored ALTA Insightswebinaras ALTA Forms Committee experts discuss how the new forms differ from the 2006 policies. For now, make yourself familiar and be ready to use these on day one! On June 19, 2020, the ALTA Board of Governors adopted the proposed changes. Any defect in or lien or encumbrance on the Title. The Transaction Identification Data that has been a part of ALTA Commitments since 2016 is now formatted into Schedule A of the new Policies as well for consistency. 195: Dawson Woods (Alta), Brevan Butterfield (Bingham), Tyson Zeisiger (Viewmont) 220: Kade Carlson (CC) Issac Ngatuvai (Bingham) John Bargeron (Viewmont) . This is a benefit to Insureds and one less technicality to explain. The Florida Office of Insurance Regulation (OIR) has approved the 2021 American Land Title Association (ALTA) forms for use in Florida. Virtual Underwriter is made available with the understanding that Stewart is not engaged in rendering legal, accounting, or other professional advice or services. Reprinted under license from the American Land Title Association. Changes to the ALTA Owner's & Loan Policy - First American Corporation Tournament Preview: The L.I.T. - Utah USA Wrestling Receive news and insights from First American's commercial real estate experts. The new forms (including a new Commitment, Loan and Owner's Policies, Short Form Residential Loan Policy and Endorsements) will be available soon. Under the 2006 Owners Policy definition, the coverage would only continue if there was no consideration paid. After 15 years, the American Land Title Association (ALTA) Board approved the revised 2021 ALTA Owner's and Loan Policies in July of last year. NC Filed ALTA Forms HTML It should not be used for production of title insurance policies or endorsements. 1. CPLs, however, are constantly reviewed and amended by the Forms Committee. As always, the forms have been developed by the ALTA Forms Committee and approved by the ALTA Board. If approval of a Stewart underwriter is required, Stewart reserves the right to decline to insure, and/or to raise additional requirements, and/or to make additional exceptions, in its sole discretion. The changes adopted by the ALTA Board of Governors reflect the final forms published on July 30, 2021. Endorsements ALTA will continue rolling out the forms with discussion in print, online, and via video. 128 0 obj <>stream John Saxby (1640-) | WikiTree FREE Family Tree Are there any changes to the Covered Risks section? The 2021 ALTA Owner's Policy provides that the Amount of Insurance will be increased by 15% if the Company is unsuccessful in establishing the Title as insured. The Loan Policys Covered Risk 10 adds a lot of language to basically clarify and confirm for lenders that the coverage is for certain enumerated components of the Indebtedness (another defined term that experienced a lot of updates). So why did ALTA revise the 2006 and subsequent policies? Trademarks are the property of their respective owners. One example included the U.S. Supreme Court decision in McGirt vs. Oklahoma, which inspired ALTA and its First American Title members to focus on choice of law and jurisdictional issues. Virtual Underwriter is an underwriting tool. Policies Filed: ALTA Loan Policy (07-01-21) ALTA Owner's Policy (07-01-21) If legal advice or services or other expert assistance is required, the services of a competent professional person should be sought. PDF Stewart Title Guaranty Company Endorsements for New Jersey Each title insurer has to adopt the form and then you will be notified by your underwriter (and likely the title software provider) when it is time to implement them. This policy does not insure against loss or damage and the Company will not pay costs, attorneys fees, or expenses resulting from the terms and conditions of any lease or easement identified in Schedule A, and the following matters: Copyright 2006-2022 American Land Title Association. It should not be used for production of title insurance policies or endorsements. Back to Blog 10/14/21 10:54 AM Approved Changes to 2021 ALTA Policy & Commitment Forms On July 30th, 2021, the ALTA Forms Committee announced the publication of the 2021 ALTA Forms Collection containing the ALTA 2021 Commitment, Policy Forms, and Endorsements. hWm7+*): r!&\N5NamT^N.>3c/,*dBh %LBAzh\#6L R2)C15K7Q`XFg})?,0g^]eHpF4I D;nmKFv1j9}vwFKpu[|culM?2}.f8Okq(Y&{?Ixv]"5-_;Q ,@|>}_tV1y">uo|6\x.W|FC_cN,:vOue1/>>x8]. PDF ALTA Owner's Policy Closing Protection Letters. (SRM) software, but is owned by and subject to the Utah USA Wrestling privacy policy. Also, enactment of Dodd-Frank (creating the CFPB) and the rapid adoption of remote online notarization, compelled the ALTA Committee to act. (New Jersey Variation) revised 9/1/2021 . Lets talk about some of the highlights. What changed in the definition of Public Records? In the 2021 policies, a second sentence is added to the definition that provides examples of the types of records that are not within our contract definition of Public Records. The first sentence of the definition makes clear what we do intend as the Public Records whenever that term is used in our policy contract. The forms, in general, are made available for customer convenience. hbbd```b`` q/d`qN;0R }DN@dd =@l% M h;]T#30N` \@ 2021 ALTA Policies and Commitment Open for Public Comment Stewart makes no express or implied warranties with regard to Virtual Underwriter and shall have no liability for any errors or omissions or for the results of the use of such material. Energy Project - Leasehold Owner's ALTA 36.2-06 10% applicable rate $100 minimum 5-149 Energy Project - Leasehold -Loan ALTA 36.3-06 10% applicable rate $100 minimum 5-150 STEWART TITLE GUARANTY COMPANY 2023 - Land Title Association of Mississippi, Member Highlight Agent: Patrick Everman, Un-Real Estate: Forged signatures, Fake ID and other Phony documents. The Fund - ALTA 2021 Forms Update Automatic increased Coverage of up to 150% of Policy Amount over 5 years. ALTA Owners Policy of Title Insurance - as modified by TIRBOP (07/01/2021) ALTA U.S. Policy (12/03/12) Short Form Residential Loan Policy - Current Assessments - as modified by TIRBOP (07/01/2021) Sheriffs Distribution Policy (03/01/95) ALTA Homeowners Policy (for a One-to-Four Family Residence) - as modified by TIRBOP (07/01/2021 TC 09/21/2021) Basically it is a lien but governmental in nature. This policy treats any Discriminatory Covenant in a document referenced in Schedule B as if each Discriminatory Covenant is redacted, repudiated, removed, and not republished or recirculated. Previous to this, Joe served as Area Counsel with ALMA Agency operations for over seven years in Birmingham, underwriting for title insurance agents and approved attorneys throughout Alabama, Mississippi, and Arkansas on all Company brands. First American, the eagle logo, firstam.com, and First American Title are registered trademarks or trademarks of First American Financial Corporation and/or its affiliates. In 2016, Joe earned the National Title Professional Designation from the American Land Title Association and has been re-certified for a second three-year term. NJRB . Coverages stated above are merely examples. The ALTA standard policy forms have been formally revised over the years to reflect changes in the marketplace brought about by evolving business practices, expectations of insureds, laws, regulations and legal decisions. endstream endobj startxref For historical perspective, the 1970 policies were revised in 1984, followed by a complete rewrite in 1987. Issuing Offices ALTA Registry ID: For detailed red-line charts showing all the changes from 2006 to 2021, side-by-side with explanatory comments, visit https://www.alta.org/policy-forms/ . Hopefully, all of us as title insurance industry professionals and our clients and customers will feel the long wait was worth it. 2-20 ALTA Residential Limited Coverage 5/23/2017 . Commitment for Title Insurance Form T-7. Find them here. Virtual Underwriter should not be relied upon as a basis for interpreting the forms contained herein. Third party claims an interest in the title, Prior forgery, fraud or duress affecting the title, Liens or encumbrances on the title (e.g., prior mortgage or deed of trust, state or federal tax lien, condominium or homeowners' association lien), Lack of a right of legal access to and from the land, Policy insures the trustee of an estate-planning trust, Policy insures the beneficiaries of a trust upon your death, Parties in possession of the property that are not disclosed by the public records (e.g., tenants, adverse possessors), Unrecorded easements (e.g., prescriptive easements) affecting the property, Encroachments that would be disclosed by a survey, Mechanic's liens (a lien against the property due to non-payment of work), Taxes or special assessments that are not shown as liens by the public records, Actual vehicular and pedestrian access, based upon a legal right, You must correct or remove an existing violation of certain covenants, conditions or restrictions, Correction or removal of an existing violation of certain covenants, conditions or restrictions, Loss of your title resulting from a prior violation of a covenant, condition or restriction, Up to $10,000 if you are unable to obtain a building permit due to an existing violationof a subdivision law or regulation, or if you must correct an existing violation (subject to a deductible), Up to $25,000 if you must remedy or remove an existing structure because it was built without a properbuilding permit (subject to a deductible), Up to $25,000 if you must remedy or remove an existing structure due to an existing violation of azoning law or zoning regulation (subject to a deductible), Up to $5,000 if you must remove your existing structures due to their encroachment upon your neighborsland (subject to a deductible), Inability to use the land as a single-family residence because such use violates an existing zoning lawor zoning regulation, Forced removal of your existing structures because they encroach upon an easement or over a setback line, Damage to existing structures due to the exercising of an existing right to use any easement affectingthe land, Damage to improvements due to the exercising of an existing right to use the surfaceof the land for the extraction or development of minerals, water or any other substance, Attempted enforcement of discriminatory covenant, Damages due to the residences not being located at the address stated in the policy, Payment of substitute rent and relocation expenses if you cannot use your home becauseof a claim covered by the policy, Automatic increase in policy amount up to 150% of policy amount over five years, Easements or restrictions affecting your use of the land, Encroachment of neighbor's buildings onto your land, *Notautomatically included in the basic policy but may be available by extended coverage. 200 Eagle Road Suite 108 Wayne, Pennsylvania 19087 Phone: (610) 995-9995 E-mail: TIRBOP@titlebureaus.com If you have questions about the ALTA Policy Forms Licensing Program view Frequently Asked Questions.. As always, the forms have been developed by the ALTA Forms Committee and approved by the ALTA Board. Subsequent update to formatting of paragraph 6 in version 12.1 (2021 v. 1.01), Financial Crimes Enforcement Network (FinCEN), Non-Title Recorded Agreements for Personal Service, National Title Professional Designation (NTP). u"`/)0z L(.9V"V 's* R3 V*A"'U yE"Gly.slcFpJ G . 08/11/2021 V 11 ALTA Owner's Policy of Title Insurance Schedule A, B (7-1-21) SCHEDULE A Issued By Stewart Title Guaranty Company Transaction Identification Data, for which the Company assumes no liability as set forth in Condition 9.d. Trademarks are the property of their respective owners. Looking for Arbitration Information? Any material, forms, documents, policies, endorsements, annotations, notations, interpretations, or constructions included in Virtual Underwriter are made available as a convenience only and should not be considered as altering or modifying the text of any matter to which they relate. Some of these forms are available to any interested party, but many are available only to ALTA Members, Licensees, or Policy Forms Subscribers and are marked with the [M] or [S] symbol to indicate "Member Only" or "Special/Subscriber" access. As a matter of fact, these have been in discussion for a number of years. %PDF-1.5 % The ALTA 39 Electronic Policy / Signature endorsement will become obsolete. : Issuing Agent: Issuing Office: Issuing Office's ALTA Registry ID: Issuing Office File Number: ALTA Commitment (Without Arbitration Schedule A, BI, BII) (7-1-21), ALTA Commitment (Without Arbitration) (7-1-21), ALTA Commitment Schedule A, BI, BII (7-1-21), ALTA Short Form Commitment (for an ALTA Short Form Residential Loan Policy Schedule A, BI, BII) (7-1-21), ALTA Short Form Commitment (for an ALTA Short Form Residential Loan Policy) (7-1-21), ALTA Expanded Coverage Residential (Loan Policy - Assessments Priority Schedules) (7-1-21), ALTA Expanded Coverage Residential (Loan Policy - Assessments Priority Without Arbitration Schedules) (7-1-21), ALTA Expanded Coverage Residential (Loan Policy - Assessments Priority Without Arbitration) (7-1-21), ALTA Expanded Coverage Residential (Loan Policy - Assessments Priority) (7-1-21), ALTA Expanded Coverage Residential (Loan Policy - Current Assessments Schedules) (7-1-21), ALTA Expanded Coverage Residential (Loan Policy - Current Assessments Without Arbitration Schedules) (7-1-21), ALTA Expanded Coverage Residential (Loan Policy - Current Assessments Without Arbitration) (7-1-21), ALTA Expanded Coverage Residential (Loan Policy - Current Assessments) (7-1-21), ALTA Homeowner's Policy of Title Insurance (7-1-21), ALTA Homeowner's Policy of Title Insurance (Without Arbitration Schedule A, B) (7-1-21), ALTA Homeowner's Policy of Title Insurance (Without Arbitration) (7-1-21), ALTA Homeowner's Policy of Title Insurance Schedule A, B (7-1-21), ALTA Loan Policy of Title Insurance (7-1-21), ALTA Loan Policy of Title Insurance (Without Arbitration Schedule A, BI, BII) (7-1-21), ALTA Loan Policy of Title Insurance (Without Arbitration) (7-1-21), ALTA Loan Policy of Title Insurance Schedule A, BI, BII (7-1-21), ALTA Operative Law - 2012 (Short Form Residential Loan Policy Addendum) (4-2-21), ALTA Operative Law - 2015 (Short Form Expanded Coverage Residential Loan Policy - Assessments Priority Addendum) (4-2-21), ALTA Operative Law - 2015 (Short Form Expanded Coverage Residential Loan Policy - Current Assessments Addendum) (4-2-21), ALTA Operative Law - 2015 (Short Form Residential Loan Policy - Current Violations Addendum) (4-2-21), ALTA Owner's Policy of Title Insurance (7-1-21), ALTA Owner's Policy of Title Insurance (Without Arbitration) (7-1-21), ALTA Owner's Policy of Title Insurance Schedule A, B (7-1-21), ALTA Owners Policy of Title Insurance (Without Arbitration Schedule A, B) (7-1-21), ALTA Residential Limited Coverage Junior Loan Policy Schedule with Arbitration (4-2-22), ALTA Residential Limited Coverage Junior Loan Policy Schedule without Arbitration (4-2-22), ALTA Residential Limited Coverage Junior Loan Policy with Arbitration (4-2-22), ALTA Residential Limited Coverage Junior Loan Policy without Arbitration (4-2-22), ALTA Residential Limited Coverage Mortgage Modification Policy Schedule with Arbitration (4-2-22), ALTA Residential Limited Coverage Mortgage Modification Policy Schedule without Arbitration (4-2-22), ALTA Residential Limited Coverage Mortgage Modification with Arbitration (4-2-22), ALTA Residential Limited Coverage Mortgage Modification without Arbitration (4-2-22), ALTA Short Form Expanded Coverage Residential (Loan Policy - Assessments Priority Addendum) (7-1-21), ALTA Short Form Expanded Coverage Residential (Loan Policy - Assessments Priority) (7-1-21), ALTA Short Form Expanded Coverage Residential (Loan Policy - Current Assessments Addendum) (7-1-21), ALTA Short Form Expanded Coverage Residential (Loan Policy - Current Assessments) (7-1-21), ALTA Short Form Residential (Loan Policy - Assessments Priority) (7-1-21), ALTA Short Form Residential (Loan Policy - Current Assessments Addendum) (7-1-21), ALTA Short Form Residential (Loan Policy - Current Assessments) (7-1-21), ALTA Short Form Residential Limited Coverage Junior Loan Policy (4-2-22), ALTA Short Form Residential Limited Coverage Junior Loan Policy Addendum (4-2-22), ALTA Short Form Residential Limited Coverage Junior Loan Policy Schedule (4-2-22), ALTA Endorsement 3.1 (Zoning - Completed Structure) (7-1-21), ALTA Endorsement 3.2 (Zoning - Land Under Development) (7-1-21), ALTA Endorsement 3.3 (Zoning - Completed Improvement - Non-Conforming Use) (7-1-21), ALTA Endorsement 3.4 (Zoning - No Zoning Classification) (7-1-21), ALTA Endorsement 4 (Condominium - Assessments Priority) (7-1-21), ALTA Endorsement 4.1 (Condominium - Current Assessments) (7-1-21), ALTA Endorsement 6 (Variable Rate Mortgage) (7-1-21), ALTA Endorsement 6.2 (Variable Rate - Negative Amortization) (7-1-21), ALTA Endorsement 7.1 (Manufactured Housing - Conversion Loan) (7-1-21), ALTA Endorsement 7.2 (Manufactured Housing - Conversion Owner's) (7-1-21), ALTA Endorsement 8.1 (Environmental Protection Lien) (7-1-21), ALTA Endorsement 10 (Assignment) (7-1-21), ALTA Endorsement 10.1 (Assignment and Date Down) (7-1-21), ALTA Endorsement 11 (Mortgage Modification) (7-1-21), ALTA Endorsement 11.1 (Mortgage Modification with Subordination) (7-1-21), ALTA Endorsement 11.2 (Mortgage Modification with Additional Amount of Insurance) (7-1-21), ALTA Endorsement 12 (Aggregation - Loan Policy) (7-1-21), ALTA Endorsement 12.1 (Aggregation - State Limits - Loan Policy) (7-1-21), ALTA Endorsement 14 (Future Advance - Priority w MML) (7-1-21), ALTA Endorsement 14 (Future Advance - Priority wo MML) (7-1-21), ALTA Endorsement 14.1 (Future Advance - Knowledge w MML) (7-1-21), ALTA Endorsement 14.1 (Future Advance - Knowledge wo MML) (7-1-21), ALTA Endorsement 14.2 (Future Advance - Letter of Credit w MML) (7-1-21), ALTA Endorsement 14.2 (Future Advance - Letter of Credit wo MML) (7-1-21), ALTA Endorsement 14.3 (Future Advance - Reverse Mortgage w MML) (7-1-21), ALTA Endorsement 14.3 (Future Advance - Reverse Mortgage wo MML) (7-1-21), ALTA Endorsement 23.1 (Co Insurance - Multiple Policies) (5-12-22), ALTA Endorsement 26 (Subdivision) (7-1-21), ALTA Endorsement 28.1 (Encroachments - Boundaries and Easement) (7-1-21), ALTA Endorsement 30 (One-to-Four Family Shared Appreciation Mortgage) (7-1-21), ALTA Endorsement 30.1 (Commercial Participation Interest) (7-1-21), ALTA Endorsement 32 (Construction Loan) (7-1-21), ALTA Endorsement 32.1 (Construction Loan - Direct Payment) (7-1-21), ALTA Endorsement 32.2 (Construction Loan - Insured's Direct Payment) (7-1-21), ALTA Endorsement 34.1 (Identified Exception and Identified Risk Coverage) (7-1-21), ALTA Endorsement 47 (Operative Law - 2006 Owner's Policy) (4-2-21), ALTA Endorsement 47.1 (Operative Law - 2006 Loan Policy) (4-2-21), ALTA Endorsement 47.2 (Operative Law - 2013 Homeowner's Policy) (4-2-21), ALTA Endorsement 47.3 (Operative Law - 2015 Expanded Coverage Residential Loan Policy Assess Prior) (4-2-21), ALTA Endorsement 47.3 (Operative Law - 2015 Expanded Coverage Residential Loan Policy Current Assess) (4-2-21), ALTA JR2 Future Advance Endorsement (4-2-22).

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