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What is a Mortgagee Clause?

Its information required to be added to your fire/home insurance policy to reflect the interests of your lender or also known as mortgagee. Because they have leins on your home, they are entitled to be listed as loss payee. This is done on your Insurance Policy as a Mortgagee Clause or also referred to as a Loss Payee clause. Similar to Loss Payee or Additional Interest clauses on an Auto Insurance policy.

List of Mortgage Company Loss Payee Clauses for Evidence of Insurance - EOI and Declarations Pages for your Insurance Policy

These clauses might not apply to every loan in every state. Your lender will have the most up to date mortgagee clause for your particular account. Some Mortgage companies require Grade B or better AMBEST ratings and a maximum of 1% or $1000 deductible (whichever is higher). Dwelling Coverage should equal replacement cost of the physical dwelling.

ISAOA = Its Successors And/Or Assigns ATIMA = As Their Interests May Appear
Some lenders/mortgage companies require both ISAOA and ATIMA to appear on the mortgagee / loss payee clause. Some only require ISAOA. Generally if any of the information is incorrect on your insurance policies clause, they will notify you by phone or letter of the discrepancy.
E GetCoveredUSA.com
Bank / Mortgagee	ISAOA and/or ATIMA	Address	City, State Zip	Insurance Dept Phone	Web
EMC Mortgage Corporation	ISAOA/ATIMA	PO Box 7589	Springfield, OH 45501-7589
EquiFirst Corporation	ISAOA/ATIMA	Title 500 Forest Point Circle	Charlotte, NC 28273
EquiFirst Corporation	ISAOA/ATIMA	HOI PO Box 11893	Jacksonville, FL 32239
F GetCoveredUSA.com
Bank / Mortgagee	ISAOA and/or ATIMA	Address	City, State Zip	Insurance Dept Phone	Web
First Bank of Colorado	ISAOA/ATIMA	PO Box 17028 TA	Denver, CO 850217
First Franklin Financial Corp.	ISAOA/ATIMA	150 Allegheny Center Mall	Pittsburgh, PA 15212
First Horizon Home Loan Corporation	ISAOA/ATIMA	P.O. Box 19664	Irvine, CA 92623-9664
First Magnus Corporation an Arizona Corp	ISAOA/ATIMA	5285 E. Williams Circle, Suite 2000	Tusczon, AZ 85711
First Union Mortgage	ISAOA/ATIMA	P.O. Box 57644	Jacksonville, FL 32241-7664
Flagstar Bank, FSB	ISAOA/ATIMA	P.O. Box 7026	Troy, MI 48007-7026
Flagstar Bank, FSB	ISAOA/ATIMA	PO Box 1221	Revenna, OH 44266-1221
Fleet Bank - Home Equity	ISAOA/ATIMA	Insurance Dept. P.O. Box 3092	Utica, NY 13599
Fleet Mortgage Corporation	ISAOA/ATIMA	C/o Fleet Mortgage Group P.O. Box 100562	Florence, SC 29501-0562
Fortress Lending, LLC.	ISAOA/ATIMA	3303 Gillham Road	Kansas City, MO 64109
G GetCoveredUSA.com
Bank / Mortgagee	ISAOA and/or ATIMA	Address	City, State Zip	Insurance Dept Phone	Web
GMAC Mortgage Corporation	ISAOA/ATIMA	P.O. Box 57003	Irvine, CA 92619-7003
Greenpoint Mortgage Funding, Inc.	ISAOA/ATIMA	P.O. Box 80747	Atlanta, GA 30366	Phone: 800-784-5566	yes
H GetCoveredUSA.com
Bank / Mortgagee	ISAOA and/or ATIMA	Address	City, State Zip	Insurance Dept Phone	Web
HomeBanc Mortgage Corporation	ISAOA/ATIMA	PO Box 24848	Jacksonville, FL 32241-4848	Phone: (888)232-6233 FAX: (904)733-2069
Homebound Mortgage	ISAOA/ATIMA	150 Water Tower Circle	Colchester, VT 05446
Homecomings Financial	ISAOA/ATIMA	GMAC Mortgage Corp.P.O. Box 10430	Van Nuys, CA 91410
Homevest Mortgage Corporation	ISAOA/ATIMA	188 Needham Street	Newton, MA 02464
HSBC Auto	ISAOA/ATIMA	188 Needham Street	Newton, MA 02464
I GetCoveredUSA.com
Bank / Mortgagee	ISAOA and/or ATIMA	Address	City, State Zip	Insurance Dept Phone	Web
IndyMac Bank FSB (Arizona)	ISAOA	PO Box 2971	Phoenix, Arizona 85062	Phone: 800-343-5756 FAX: 866-806-8177
IndyMac Bank FSB	ISAOA	ATTN: Escrow PO Box 4045	Calamazoo, MI 49003	Phone: 800-343-5756 FAX: 866-806-8177
J GetCoveredUSA.com
Bank / Mortgagee	ISAOA and/or ATIMA	Address	City, State Zip	Insurance Dept Phone	Web
JLM Direct Funding, LTD	ISAOA/ATIMA	9235 Katy Freeway #160	Houston, TX 77024
JP Morgan Chase Bank, N.A.	ISAOA/ATIMA	C/O Chase Home Finance, LLC PO Box 47208	Atlanta, GA 30362
L GetCoveredUSA.com
Bank / Mortgagee	ISAOA and/or ATIMA	Address	City, State Zip	Insurance Dept Phone	Web
Leader Mortgage	ISAOA/ATIMA	180 Massachusetts Avenue	Lexington, MA 02474
Long Beach Mortgage Company	ISAOA	7887 E Bellview Suite 725	Englewood, CO 80111
M GetCoveredUSA.com
Bank / Mortgagee	ISAOA and/or ATIMA	Address	City, State Zip	Insurance Dept Phone	Web
Macquarie Mortgages USA Inc.	ISAOA/ATIMA	PO Box 57046	Irvine, CA 92619-7046
Meritage Mortgage Corp.	ISAOA/ATIMA	6000 SW Meadows Rd., Suite 500	Lake Oswego, OR 97035
MILA, Inc.	ISAOA/ATIMA	PO Box 961206	Fort Worth, TX 76161
MIT Lending	ISAOA/ATIMA	MortgageIT, Inc 33 Maiden Lane, 6th Floor	New York, NY 10038
Mortgage Lender Network, USA	ISAOA/ATIMA	213 Court St., 3rd Flood	Middletown, CT 06457
Mortgage Network, Inc.	ISAOA/ATIMA	99 Rosewood Drive	Danvers, MA 01923
N GetCoveredUSA.com
Bank / Mortgagee	ISAOA and/or ATIMA	Address	City, State Zip	Insurance Dept Phone	Web
National City Mortgage	ISAOA/ATIMA	PO Box 1024	Dayton, OH 45401
New England Federal Credit Union	ISAOA/ATIMA	PO Box 527	Williston, VT 05495-0527	Phone: 866-80-LOANS FAX: 802-7654-6556
New Century	ISAOA/ATIMA	18400 Von Karmen, Suite 1000	Irvine, CA 92612
Novastar Mortgage Inc.	ISAOA/ATIMA	P.O. Box 2937	Shawnee Mission, KS 68201
Norwest Mortgage, Inc.	ISAOA/ATIMA	PO Box 6502	Springfield, OH 45501-6502
O GetCoveredUSA.com
Bank / Mortgagee	ISAOA and/or ATIMA	Address	City, State Zip	Insurance Dept Phone	Web
Ohio Savings Bank Principal Residential Mortgage, Inc.	ISAOA/ATIMA	P.O. Box 305309	Nashville, TN 37320
Old Kent Mortgage Services	ISAOA/ATIMA	P.O. Box 11038	Orange, CA 92856
Option One Mortgage Corp.	ISAOA/ATIMA	P.O. Box 949	Orange, CA 92856

This list of Mortgage Companies and Loss Payee clauses has been compiled over time. We add more on as we run across them. Some information might be out of date.