Endorsements

There are many endorsements used in connection with the issuance of title policies. You can see all the endorsements by using the Virtual Underwriter link found under the Agent Support tab, but the most common ones are available here in PDF format for your convenience. You can complete the endorsements online by downloading them to your computer (click "Download") and complete online or save them to complete at a later date. If you need Adobe Reader (a free program) to view the files, click the link below. Note: Adobe Reader does not let you save the changes you make to the endorsements, so make sure you print an extra copy for your records.

Before issuing an endorsement, please check with Stewart to make sure that the particular endorsement you want is applicable and appropriate under the circumstances.

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06 ALTA 01 Street Assessment   download  Document updated:6/15/2007 - Size:134kb

06 ALTA 02 Truth in Lending   download  Document updated:6/15/2007 - Size:138kb

06 ALTA 03 Zoning Unimproved   download  Document updated:6/15/2007 - Size:140kb

06 ALTA 03.1 Zoning w/ Structure   download  Document updated:12/13/2009 - Size:51kb

06 ALTA 04.1 Condominium   download  Document updated:6/15/2007 - Size:143kb

06 ALTA 05.1 PUD   download  Document updated:6/15/2007 - Size:142kb

06 ALTA 06 Variable Rate  download  Document updated:6/15/2007 - Size:138kb

06 ALTA 06.2 Negative Amortization  download  Document updated:6/15/2007 - Size:140kb

06 ALTA 07 Manufactured  download  Document updated:6/15/2007 - Size:136kb

06 ALTA 07.1 Manufactured (Converson Loan)  download  Document updated:6/15/2007 - Size:141kb

06 ALTA 07.2 Manufactured (Conversion Owner)  download  Document updated:6/15/2007 - Size:141kb

06 ALTA 08.1 Environmental  download  Document updated:6/15/2007 - Size:140kb

06 ALTA 09 Comprehensive Loan  download  Document updated:3/31/2011 - Size:48kb

06 ALTA 09.1 Comprehensive Owner (Vacant)  download  Document updated:3/31/2011 - Size:44kb

06 ALTA 09.2 Comprehensive Owner (Improved)  download  Document updated:3/31/2011 - Size:45kb

06 ALTA 09.3 Comprehensive Loan (Future)  download  Document updated:3/31/2011 - Size:47kb

06 ALTA 09.4 Comprehensive Owner Vacant (Future)  download  Document updated:3/31/2011 - Size:46kb

06 ALTA 09.5 Comprehensive Owner Improved (Future)  download  Document updated:3/31/2011 - Size:47kb

06 ALTA 10 Assignment  download  Document updated:6/28/2008 - Size:144kb

06 ALTA 10.1 Assignment & Date Down  download  Document updated:6/28/2008 - Size:151kb

06 ALTA 11 Mortgage Modification  download  Document updated:6/15/2007 - Size:139kb

06 ALTA 11.1 Mortgage Modification Subordination  download  Document updated:12/13/2009 - Size:44kb

06 ALTA 12 Aggregation  download  Document updated:1/12/2009 - Size:171kb

06 ALTA 12 Tie-In (aka Aggregation)  download  Document updated:1/12/2009 - Size:171kb

06 ALTA 13 Leasehold (Owner)  download  Document updated:3/31/2011 - Size:46kb

06 ALTA 13.1 Leasehold (Loan)  download  Document updated:3/31/2011 - Size:46kb

06 ALTA 14 Future Adv (Priority )  download  Document updated:3/31/2011 - Size:45kb

06 ALTA 14.1 Future Adv (Knowledge)  download  Document updated:3/31/2011 - Size:45kb

06 ALTA 14.2 Future Adv (Ltr. Cr.)  download  Document updated:3/31/2011 - Size:44kb

06 ALTA 14.3 Future Adv (RevMtg)  download  Document updated:3/31/2011 - Size:45kb

06 ALTA 15 Nonimputation Full Eq. Transfer  download  Document updated:6/15/2007 - Size:139kb

06 ALTA 15.1 Nonimputation Add'l Insured  download  Document updated:6/15/2007 - Size:144kb

06 ALTA 15.2 Nonimputation Prtl Eq. Transfer  download  Document updated:6/15/2007 - Size:139kb

06 ALTA 16 Mezzanine Financing  download  Document updated:6/15/2007 - Size:152kb

06 ALTA 17 Access & Entry  download  Document updated:10/3/2007 - Size:50kb

06 ALTA 17.1 Indirect Access & Entry  download  Document updated:10/3/2007 - Size:51kb

06 ALTA 18 Single Tax Parcel  download  Document updated:6/15/2007 - Size:134kb

06 ALTA 18.1 Multiple Tax Parcels   download  Document updated:6/15/2007 - Size:140kb

06 ALTA 19 Contiguity Multiple Parcels  download  Document updated:6/15/2007 - Size:137kb

06 ALTA 19.1 Contiguity Single Parcel  download  Document updated:6/15/2007 - Size:136kb

06 ALTA 20 First Loss  download  Document updated:6/15/2007 - Size:141kb

06 ALTA 22 Location  download  Document updated:6/15/2007 - Size:134kb

06 ALTA 22.1 Location & Map  download  Document updated:6/15/2007 - Size:135kb

06 ALTA 31 Severable Improvements  download  Document updated:3/31/2011 - Size:44kb

06 ALTA 32 Construction Loan (Priority)  download  Document updated:3/31/2011 - Size:45kb

06 ALTA 32.1 Construction Loan ( Direct Pay)  download  Document updated:3/31/2011 - Size:45kb

06 ALTA 33 Disbursement  download  Document updated:3/31/2011 - Size:44kb

ALTA 01-Street Assessment  download  Document updated:3/7/2004 - Size:122kb  ALTA Endorsement 1: Street Assessment. Check with Stewart Title as to whether you can issue this endorsement.

ALTA 03.0-Zoning (Vacant)  download  Document updated:3/7/2004 - Size:118kb  ALTA Endorsement 3.0: Zoning - Vacant Land. Check with Stewart Title as to whether you can issue this endorsement.

ALTA 03.1-Zoning (Improved)  download  Document updated:3/7/2004 - Size:126kb  ALTA Endorsement 3.1: Zoning - Improved Land. Check with Stewart Title as to whether you can issue this endorsement.

ALTA 04.1-Condominium  download  Document updated:3/7/2004 - Size:131kb  ALTA Endorsement 4.1: Condominium. Check with Stewart Title as to whether you can issue this endorsement.

ALTA 05.1-Planned Unit  download  Document updated:3/7/2004 - Size:130kb  ALTA Endorsement 5.1: Planned Unit Development. Check with Stewart Title as to whether you can issue this endorsement.

ALTA 06.0-Variable Rate  download  Document updated:3/7/2004 - Size:126kb  ALTA Endorsement 6.0: Variable Rate. Check with Stewart Title as to whether you can issue this endorsement.

ALTA 06.1-Variable Rate (Reg.)  download  Document updated:3/7/2004 - Size:134kb  ALTA Endorsement 6.1: Variable Rate (with reference to statute or regulation). Check with Stewart Title as to whether you can issue this endorsement.

ALTA 06.2-Variable Rate/Neg. Amort.  download  Document updated:11/28/2005 - Size:32kb  ALTA Endorsement 6.2: ALTA Variable Rate and Negative Amortization. Check with Stewart Title as to whether you can issue this endorsement.

ALTA 07.0-Manufactured Housing  download  Document updated:6/15/2007 - Size:124kb  ALTA Endorsement 7: Manufactured Housing. Check with Stewart Title as to whether you can issue this endorsement.

ALTA 07.1-Manufactured (Conversion Loan)  download  Document updated:6/15/2007 - Size:147kb

ALTA 07.2-Manufactured (Conversion Owner)  download  Document updated:6/15/2007 - Size:141kb

ALTA 08.1-Environmental  download  Document updated:3/7/2004 - Size:127kb  ALTA Endorsement 8.1: Environmental Protection Lien. Check with Stewart Title as to whether you can issue this endorsement.

ALTA 09.0-Comprehensive (Loan)  download  Document updated:6/15/2007 - Size:163kb  ALTA Endorsement 9.0: Comprehensive (Loan). Check with Stewart Title as to whether you can issue this endorsement.

ALTA 09.1-Comprehensive (Owner-Vacant)  download  Document updated:6/15/2007 - Size:141kb  ALTA Endorsement 9.1: Comprehensive Owner (Vacant Land). Check with Stewart Title as to whether you can issue this endorsement.

ALTA 09.2-Comprehensive (Owner Improved)  download  Document updated:3/7/2004 - Size:80kb  ALTA Endorsement 9.2: Comprehensive Owner (Improved Land). Check with Stewart Title as to whether you can issue this endorsement.

ALTA 09.3-Comprehensive Loan  download  Document updated:6/15/2007 - Size:146kb

ALTA 09.4-Comprehensive Loan (Vacant)  download  Document updated:6/15/2007 - Size:147kb

ALTA 09.5 Comprehensive Owner Vacant  download  Document updated:6/15/2007 - Size:152kb

ALTA 10-Mortgage Assignment  download  Document updated:3/7/2004 - Size:62kb  ALTA Endorsement 10: Assignment of mortgage. Check with Stewart Title as to whether you can issue this endorsement.

ALTA 11-Mortgage Modification  download  Document updated:3/7/2004 - Size:136kb  ALTA Endorsement 10: Mortgage Modification. Check with Stewart Title as to whether you can issue this endorsement.

ALTA 13.0-Leasehold (Owner)  download  Document updated:9/25/2008 - Size:75kb  ALTA Endorsement 13.0: Leasehold (Owner). Check with Stewart Title as to whether you can issue this endorsement.

ALTA 13.1-Leasehold (Loan)  download  Document updated:9/25/2008 - Size:132kb  ALTA Endorsement 13.1: Leasehold (Loan). Check with Stewart Title as to whether you can issue this endorsement.

ALTA 14.3-Reverse Mortgage w/ Mech. Lien  download  Document updated:6/15/2007 - Size:151kb

ALTA 14.3-Reverse Mortgage wo/ Mech. Lien  download  Document updated:6/15/2007 - Size:151kb

ALTA 22.1-Location & Map  download  Document updated:6/15/2007 - Size:146kb

ALTA 22-Location  download  Document updated:6/15/2007 - Size:133kb

Arbitration (Lender)  download  Document updated:1/15/2008 - Size:89kb  This endorsement deletes the arbitration clause from the LENDER'S policy. Check with Stewart Title as to whether you can issue this endorsement.

Arbitration (Owner)  download  Document updated:2/10/2006 - Size:89kb  This endorsement deletes the arbitration clause from the OWNER'S policy. Check with Stewart Title as to whether you can issue this endorsement.

Balloon Mortgage Endorsement (pdf)  download  Document updated:1/23/2004 - Size:9kb  The endorsement is issued at the time the balloon mortgage is created where the mortgage provides for a conditional right to refinance and a change in interest rate and maturity date in lieu of a balloon payment (full payoff) of the mortgage in accordance with the FNMA Rider. Check with Stewart Title as to whether you can issue this endorsement.

Change Endorsement (pdf)  download  Document updated:2/4/2004 - Size:82kb  Use this endorsement to correct something in a policy that has already issued or to add or delete an item to a schedule or other part of the policy.

Commercial Environmental Lien Endorsement (pdf)  download  Document updated:1/23/2004 - Size:9kb  The form is used in commercial transactions to provide coverage similar to, but not as expansive as, that provided under the residential environmental lien endorsement. The endorsement insures against loss because environmental liens are of record at the time the policy is issued. As environmental laws do not make provision for permitting commercial mortgages to have priority over environmental liens recorded after date of policy, that coverage (that appears in the residential endorsement) does not appear in this endorsement. Check with Stewart Title as to whether you can issue this endorsement.

Construction Pending Disbursement End.  download  Document updated:7/15/2004 - Size:85kb  Attach this endorsement to a construction loan policy to incorporate therein the pending disbursement provisions.

Contiguity Endorsement  download  Document updated:3/23/2004 - Size:113kb  Use this endorsement when insuring that parcels are adjacent (contiguous) to each other. The endorsement requires a surveyor's certification. Check with Stewart Title as to whether you can issue this endorsement.

Disbursement Endorsement (pdf)  download  Document updated:4/27/2006 - Size:82kb  Use this endorsement to reflect a rundown of title and a post-policy disbursement by the lender.

Disbursement Endorsement Addendum (pdf)  download  Document updated:2/5/2004 - Size:72kb  Use this form in conjunction with the Disbursement Endorsement to reflect any new matters that are found during a rundown of title.

Doing Business Endorsement (pdf)  download  Document updated:1/23/2004 - Size:10kb  This form is revised specifically for Massachusetts, where the failure to register to do business in the state has no adverse impact upon the enforceability of the insured mortgage, although such failure will prohibit the insured lender from using the courts of the state until it has duly registered. The endorsement is generally required from out of state counsel familiar with foreign statutes that do provide for limits on the enforceability of mortgages taken by unregistered corporations. Check with Stewart Title as to whether you can issue this endorsement.

Easement (Access Over) Endorsement (pdf)  download  Document updated:3/7/2004 - Size:10kb  This form is used when the policy insures not only a parcel of land but also an easement that is used to get to the land over from an identified public street. That is, if the public street does not itself provide direct access to the land, but the intervening easement is necessary for such access, use this form to insure the easement. The title to the easement must be fully examined before it can be insured and the endorsement issued. Check with Stewart Title as to whether you can issue this endorsement.

Easement Encroachment Endorsement (pdf)  download  Document updated:1/23/2004 - Size:11kb  This form would be used where there is an easement listed in Schedule B and there is a slight encroachment onto the easement by a structure on the property. In order to issue the endorsement, it must be reasonably established that the easement is not being used at this time and there is no likelihood of use in the future. Check with Stewart Title as to whether you can issue this endorsement.

Fairway Endorsement  download  Document updated:6/17/2004 - Size:114kb  This endorsement provides insurance that certain changes in the composition of a partnership will not result in dissolution of the partnership for purposes of continued coverage under the policy on behalf of the partnership. Check with Stewart Title as to whether you can issue this endorsement.

First Loss Endorsement (pdf)  download  Document updated:1/23/2004 - Size:9kb  This endorsement is usually requested on a Loan Policy if the collateral consists of multiple tracts. It is typically issued in connection with the Tie-In Endorsement. It is designed to provide coverage on a loss (as defined) in excess of a stated percentage of the Loan Policy, even though the lender may have other collateral (ordinarily a loss is not payable under the policy until the lender has realized upon all the collateral.) If the loan is being paid, there is, of course, no loss. Check with Stewart Title as to whether you can issue this endorsement.

Foundation Endorsement 102.4  download  Document updated:4/28/2005 - Size:73kb  The coverage under this endorsement requires first that (1) a plot plan shows that the foundation is wholly located on the insured property and (2) there are no restrictions, covenants, etc. in Schedule B that prohibit or would be violated by reason of the present location of the foundation. Check with Stewart Title as to whether you can issue this endorsement.

Foundation Endorsement 102.5  download  Document updated:4/28/2005 - Size:73kb  The coverage under this endorsement requires first that (1) a plot plan shows that the foundation is wholly located on the insured property and (2) there are no restrictions, covenants, etc. in Schedule B that prohibit or would be violated by reason of the present location of the foundation. This endorsement (rather than the 102.4 endorsement) should be used if there are easements recited in Schedule B of the policy. Check with Stewart Title as to whether you can issue this endorsement.

Homeowners Endorsement (pdf)  download  Document updated:5/18/2005 - Size:77kb  This endorsement was developed for use in connection with the issuance of the Homeowner's Policy where the particular agent's software is not yet capable of producing the schedules that are used with that new form of policy. The endorsement will "transform" the older form schedules into those usable with the new policy. Check with Stewart Title as to whether you can issue this endorsement.

Last Dollar Endorsement (pdf)  download  Document updated:1/23/2004 - Size:9kb  The 1992 Loan Policy provides under Section 9(b) of the Conditions and Stipulations that payment in part of the principal of the indebtedness shall reduce the amount of insurance dollar for dollar. This endorsement may be requested where the lien of the insured mortgage secures an amount in excess of the amount of insurance stated in the specific policy. (This might occur where the loan is for the purchase or financing of personal property in addition to the insured real estate. Obviously, insurance for the amount of the loan made upon the personal property would not be purchased, because the loan policy would not cover that collateral.) Check with Stewart Title as to whether you can issue this endorsement.

Location Endorsement (CLTA 116)  download  Document updated:3/30/2005 - Size:74kb  This endorsement is used to indicate that the insured property as described in the policy is shown on the plan attached thereto and to indicate the address of the property and the type of structure erected thereon. Check with Stewart Title as to whether you can issue this endorsement.

Non-Imputation Endorsement (pdf)  download  Document updated:1/23/2004 - Size:12kb  This endorsement is issued in conjunction with either an Owner's Policy or a Loan Policy. It limits Exclusion 3(b) concerning matters "known" by the Insured, not appearing in the public records, not known by the title company and not disclosed to the title company. For example, the endorsement may be requested when a partner is buying the interest of another partner and does not want the exclusion to be applicable as to matters known by the former partner or partners but not known by the new partner. It may also be requested by a new investor as to matters known by the former owner where property is conveyed by the former owner to a new partnership composed of the former owner and a new investor. An explanation of the transaction and the Non-Imputation Indemnity, together with financial disclosures of the parties giving the indemnity, must be first secured. Check with Stewart Title as to whether you can issue this endorsement.

Non-Imputation Indemnity (pdf)  download  Document updated:1/23/2004 - Size:62kb  This indemnity is used in conjunction with the Non-Imputation Endorsement, and provides the necessary information in order for Stewart to determine whether the Non-Imputation Endorsement can be given.

Pending Disbursement Endorsement (pdf)  download  Document updated:2/4/2004 - Size:88kb  Attach this endorsement to a construction loan policy to incorporate therein the pending disbursement provisions.

Pending Improvement Endorsement  download  Document updated:2/19/2005 - Size:83kb  This endorsement is used on an owners policy when a substantial (more than 20%) improvement is anticipated, so that the value of the improvements will be included under the coverage of the policy (up to the face amount), if they are erected without knowledge of defects in the title. Check with Stewart Title as to whether you can issue this endorsement.

Physically Open Street (Access) Endorsement (pdf)  download  Document updated:3/7/2004 - Size:10kb  This form is used when the insured property abuts directly upon a street (public or private) that provides a legal right of access to and from the property. Check with Stewart Title as to whether you can issue this endorsement.

Reverse Mortgage Endorsement (pdf)  download  Document updated:1/23/2004 - Size:10kb  This endorsement would be issued when a lender gives a Reverse Mortgage, which is defined under the statute (G.L.c. 167E, §2) as "a mortgage loan in which the proceeds are advanced to the mortgagor in installments, either directly or indirectly, and which together with unpaid interest, if any, is to be repaid at the end of a term not to exceed ten years." As the citizenry gets older and owners remain in their homes longer, this kind of mortgage, and therefore the endorsement, will become more popular. Check with Stewart Title as to whether you can issue this endorsement.

Revolving Credit Endorsement (pdf)  download  Document updated:2/14/2006 - Size:63kb  This form is used to insure the validity of a mortgage that involves revolving credit provisions and the priority of future advances made under such a mortgage.

Secondary Mortgage Market End  download  Document updated:11/4/2004 - Size:75kb  This is Stewart's Secondary Mortgage Market Endorsement that is attached to loan policies insuring 1 to 4 household residential mortgages. (The endorsement is generally incorporated by reference into the policy by way of the use of a check box.)

Subdivision Endorsement (pdf)  download  Document updated:1/23/2004 - Size:9kb  This endorsement insures against loss or damage in the event that the property fails to comply with subdivision laws, and requires an examination of those laws to determine whether the endorsement can be used. Check with Stewart Title as to whether you can issue this endorsement.

Survey (Description Same As) Endorsement (pdf)  download  Document updated:2/4/2004 - Size:70kb  This endorsement insures that the property is the same as shown on a specified survey plan. A certification by a surveyor as to this fact may be required. Check with Stewart Title as to whether you can issue this endorsement.

Tax Deed Endorsement (pdf)  download  Document updated:1/23/2004 - Size:10kb  This endorsement should be distinguished from the "Tax Parcel Endorsement" (which insures that the property is taxed separately from other land). The Tax Deed Endorsement insures that where an easement has been insured in connection with, and as appurtenant to, the primary (dominant) parcel that a tax sale of the (servient) land on which the easement exists will not destroy or adversely affect the easement. This coverage can generally be given because of the provisions of G.L.c. 60, §45. Check with Stewart Title as to whether you can issue this endorsement.

Tax Parcel Endorsement (pdf)  download  Document updated:1/23/2004 - Size:10kb  This endorsement should be distinguished from the Tax Deed Endorsement (that insures the continued existence of an easement regardless of a tax sale on the servient property). The Tax Parcel Endorsement insures that the property is taxed separately from other land, and before the endorsement is issued this needs to be established. The purpose of the endorsement is to avoid the situation where the insured parcel "comes out of" a larger parcel that has been the subject of taxation in the past, and insures under the policy that the insured parcel is now separately taxed and will not be subjected to the tax for the entire larger parcel from which it was separated. Check with Stewart Title as to whether you can issue this endorsement.

Tie In Endorsement (pdf)  download  Document updated:6/2/2004 - Size:120kb  This endorsement is requested on Loan Policies where the lender is making loans secured by mortgages on various tracts covered by more than one Policy and where the mortgages secure one aggregate loan. The lender wishes to aggregate the liability so that loss on each tract will not be limited to the face amount of the Policy on each tract. By issuance of the Tie-In Endorsement, the Company has effectively issued one Policy and pooled liability since there is no apportionment clause under the Loan Policy. The Tie-In Endorsement is sometimes issued along with the First Loss Endorsement. Check with Stewart Title as to whether you can issue this endorsement.

Usury Endorsement (pdf)  download  Document updated:1/23/2004 - Size:10kb  Usury, for all practical purposes, does not apply to loans in Massachusetts. This endorsement can generally be given as a matter of course. (The reference to Chapter 271, Section 49 of the General Laws is to a criminal statute that provides for registering with the Attorney General when a lender intends to make loans at a rate in excess of twenty percent.) Check with Stewart Title as to whether you can issue this endorsement.

Zoning Endorsement 3.0 (pdf)  download  Document updated:2/4/2004 - Size:67kb  This endorsement is issued in connection with vacant land and requires an attorney’s zoning opinion as its foundation. Check with Stewart Title as to whether you can issue this endorsement.

Zoning Endorsement 3.1 (pdf)  download  Document updated:1/23/2004 - Size:68kb  This endorsement is issued in connection with improved land and requires an attorney's zoning opinion as its foundation. Check with Stewart Title as to whether you can issue this endorsement.