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Lender $50.00 This endorsement insures the lender
against (i) any environmental lien which, at the date of the
policy, is recorded in the public records or filed in the
records of the clerk of the United States District Court;
(ii) any environmental protection lien provided for by state
statutes in effect at the date of the policy. For use with
residential property only. Lender 10% of base rate This endorsement insures the lender
against (i) any environmental lien which, at the date of the
policy, is recorded in the public records or filed in the
records of the clerk of the United States District Court;
(ii) any environmental protection lien provided for by state
statutes in effect at the date of the policy. For use
with commercial and industrial property
only. Lender $50.00 - Residential This is the basic form normally required by lenders. It insures against (i) covenants, conditions or restrictions which would cut off, subordinate or otherwise impair the lien of the mortgage or deed of trust excepting the 6 months super priority lien arising under C.R.S. 38-33.3-316(2)(b); (ii) any present violations of such covenants, conditions or restrictions; (iii) encroachments of buildings, structures or improvements upon adjoining land or onto the subject property; (iv) loss or impairment of lien (or of title if the lender has foreclosed) resulting from future violations of any covenants, conditions or restrictions; (v) damage to improvements which encroach on disclosed easement; and (vi) orders to remove any encroachment. Form 100 is not the equivalent of deleting exceptions 1 - 4; rather it supplements such coverage. The following procedures must be observed when issuing the Form 100 Endorsement: (1) This endorsement may only be issued in connection with improved property.
Lender $50.00 This endorsement is a variation of the
Form 100 for unimproved land only. It is issued with loan
policy forms. Owner $50.00 This endorsement insures the owner
against the enforcement of a prior violation of the
covenants, conditions and restrictions referred to in the
title insurance policy. It is issued with unimproved land
owner's policy forms. Owner $50.00 This endorsement is for improved land
with the owner's policy forms. A Form 100.3 contains mineral
protection and therefore mineral protection underwriting
requirements must be met. See Mineral Protection Approval"
form in Section __________ of the Member Manual. Lender 10% of base rate This endorsement insures against a prior
violation of a specific clause in covenants, conditions and
restrictions. The specific covenant, condition or
restriction is inserted as to the paragraph in Schedule B,
Part I and the violation is specified in the space provided.
This endorsement is to be used on 1-4 single family
dwellings with loan policy forms. Lender $50.00 This endorsement insures against a prior
violation of the covenants, conditions and restrictions. It
covers only enforcement by final judgment and not attempted
(but unsuccessful) enforcement. The specific covenant,
condition or restriction is inserted into the form. This
endorsement is to be used for a 1 to 4 family dwellings with
both owner's and lender's policies. Owner 20% of base rate This endorsement insures against a
present or future violation of the covenants, conditions and
restrictions available on all types of properties. The
specific covenant, condition or restriction is inserted into
the form. Owner 20% of base rate This endorsement insures against
forfeiture or reversion of title because of past or future
violations of the reverter clause, and only the reverter
clause, or restrictions pertaining to the manufacture, sale
and/or use of liquor or alcoholic beverages on the premises.
This endorsement may be used with owner's and/or lender's
policy. Owner 20% of base rate (minimum $50.00) This endorsement insures against any
exercise or attempt to exercise a right of reverter,
re-entry, or power of termination upon breach of the
covenants, conditions and restrictions. Lender $50.00 per issue This endorsement insures the lender that
any assessment lien in the restrictions is, and will remain,
subordinate in all respects to the insured mortgage, except
for assessments arising under C.R.S.
§38-33.3-316(2)((b). Lender $50.00 per issue This endorsement insures the lender
against any enforcement of provision requiring membership in
an association as a prerequisite to ownership of the insured
estate or interest. The specific restriction is inserted as
well as the name of the non-profit corporation requiring the
membership. Lender $50.00 This endorsement insures the lender
against loss by exercise of a provision for right of
reverter, re-entery, or power of termination contained in
covenants, conditions or restrictions. It also insures
against Unmarketablity by virtue of the event the lender
acquires title. Owner 20% of base
rate This endorsement insures against prior
violation of an identified set of covenants, conditions and
restrictions. The specific exception is inserted into the
endorsement. This endorsement may be used with owner's
and/or lender's policy. Lender 10% of base rate This endorsement insures the lender
against loss or damage to existing improvements resulting
from the exercise of a right of surface entry under a
recorded lease. Lender 10% of base rate This endorsement insures the lender there
is no right of surface entry under a recorded lease. Lender 10% of base rate This endorsement insures the lender
against loss by damage to existing or future improvements
resulting from the exercise of right of surface entry. It
may be used for FHA projects only. Owner 10% of base rate This endorsement insures the owner and/or
lender against damage to existing improvements, shrubbery,
and trees as a result of the extraction of subsurface
minerals. See "Mineral Protection Approval" form in "Request
for Authorization" Section of the Member Manual. Lender 10% of base rate (minimum $50.00 This endorsement insures the lender
against damage to existing or later constructed improvements
as a result of the extraction of minerals. The specific
exception is inserted. See "Mineral Protection Approval"
form in "Request for Authorization" Section of the Member
Manual. Owner 20% of base rate (minimum $50.00) This endorsement insures the owner
against damage to existing or later constructed improvements
as a result of the extraction of minerals. The specific
exception is inserted. See "Mineral Protection Approval"
form in "Request for Authorization" Section of the Member
Manual. Owner $60.00 This endorsement insures the owner and/or
lender that the rights of the owner of the minerals has
released its surface
rights. Owner $10.00 per $1,000, subject to underwriter's approval This endorsement is to provide limited
mechanic's lien protection during construction or within the
lien filing period. It is used with owner's and/or lender's
policies. It requires approval of the underwriting
department of ATGF on an owner's policy. If the loan exceeds
$250,000, it requires underwriting approval on a loan
policy. See "Request for Authorization to Issue Mechanic's
Lien Protection during Construction" form in Section
________ of the Member Manual. If used with a loan policy,
the reference would be to item 4, Schedule B, Part I. Owner This endorsement insures the lender
against enforcement or attempted enforcement of a recorded
mechanic's lien which is inserted in the form. Unless the
lien was previously insured over by a ATGF policy, this
endorsement may be issued only if sufficient funds are
escrowed to pay the lien upon attempted enforcement
thereof. Lender $1.50 per M based upon face amount of policy This endorsement is used only with the
construction loan policy. It insures against loss or damage
for liens for labor or material which the insured lender has
disbursed funds to pay. It is issued from time to time
(normally month to month) during the course of construction
with stated cut-off dates. The endorsement form is completed
by an insertion of an effective date and a date prior to
which funds were disbursed or services, labor or materials
were furnished. Usually this endorsement will be issued with
each draw of the construction loan. If the loan exceeds
$250,000, it requires underwriting approval. See "Request
for Authorization to Issue Mechanic's Lien Protection During
Construction" form in the "Request for Authorization"
Section of the Member Manual. Lender $1.50 per per M based upon face amount of policy This endorsement is used only with a standard loan policy. It insures against loss or damage for liens for labor or material which the insured lender has disbursed funds to pay. It is issued from time to time (normally month to month) during the course of construction with stated cut off dates. The endorsement form is completed by an insertion of an effective date and a date prior to which funds were disbursed or services, labor or materials were furnished. Usually this endorsement will be issued with each draw of the construction loan. If the loan exceeds $250,000, it requires underwriting approval. See "Request for Authorization to Issue Mechanic's Lien Protection" form in the "Request for Authorization" Section of the Member Manual. Note: This form differs from
Form 101.2 in that it attaches to a standard loan policy and
it deletes provision specific to the construction loan
policy. Lender $3.00 per M based upon face amount of policy This lender's endorsement applies only to
construction loan policies. It insures the lender against
all mechanic's liens and is normally referred to as "full
coverage" mechanic's lien protection. If the loan exceeds
$250,000, it requires underwriting approval. See "Request
for Authorization to Issue Mechanic's Lien Protection During
Construction" form in the "Request for Authorization"
Section of the Member Manual. Lender 15% of base rate (minimum $50.00) This endorsement insures the lender that
an existing foundation does not encroach on adjoining land
or violate provisions of covenants, conditions and
restrictions. A survey or an improvement location
certificate will be required in order to obtain this
endorsement. Lender 15% of base rate (minimum $50.00) This endorsement insures the lender that
the foundation under construction is within the boundary
lines of the land, does not violate covenants, conditions
and restrictions and does not encroach onto any easements. A
survey or an improvement location certificate will be
required in order to obtain this endorsement. Lender 15% of base rate. This endorsement insures the lender that
the foundation under construction is within the boundary
lines of the portion of the land described, and does not
violate covenants, conditions and restrictions. A survey or
an improvement location certificate will be required in
order to obtain this endorsement. Lender 15% of base rate. This endorsement insures the lender that
the foundation under construction is within the boundary
lines of the portion of the land described, and does not
violate covenants, conditions and restrictions. A survey or
an improvement location certificate will be required in
order to obtain this
endorsement. Owner 20% of base rate This endorsement insures the owner and/or
lender against exercise of the right or use of maintenance
of an easement referred to in the title insurance policy.
The specific right of use or maintenance is inserted in the
endorsement. For a loan policy, the reference would be an
item in Schedule B, Part I. Owner 20% of base rate This endorsement insures the owner and/or
lender against the forced removal of any portion of the
improvements on the insured property which encroach upon
adjoining property. The specific item is inserted in the
form. For a loan policy, the reference would be to an item
in Schedule B, Part I. Owner 20% of base rate This endorsement insures the owner and/or
lender against the forced removal of existing improvements
which encroach upon an easement referred to in the title
insurance policy. The specific easement is inserted in the
form and the purpose for the removal is inserted in the
space provided. Lender 10% of base rate This endorsement insures the lender the
existing improvements do not encroach upon an easement
referred to in the title insurance policy. The specific
easement is inserted in the
form. Owner $50.00 per issue This endorsement insures the owner and/or
lender that the insured land abuts upon a physically open
street. A survey or an improvement location certificate must
be obtained to issue this endorsement. The name of the
street must be inserted into the form. Lender 10% of base rate This endorsement insures the lender
against any loss or damage which the insured shall sustain
by reason of any obligation to remove any improvements on
the land because of any present encroachment onto the land
by improvements on adjoining land. A survey or an
improvement location certificate must be obtained to issue
this endorsement. Lender No charge up to 1 year, after 1 year $50.00 This endorsement insures the lender of
the valid assignment of the beneficial interest of an
insured mortgage. The assignee's name is inserted into the
form. Lender 10% of base rate based upon face amount of policy (minimum $50.00) This endorsement insures the lender for
the validity of an assignment of an insured mortgage and
that there are no recorded releases, modifications or
subordination's of said mortgage. The assignee's name is
inserted into the form. Lender 10% of base rate based upon the face amount of policy (minimum $50.00) This endorsement insures the lender for
the validity of an assignment of an insured mortgage and
change of the effective date of the title insurance policy.
The assignee's name and the new effective date are inserted
into the form. Lender $50.00 This endorsement insures the lender for
the validity of an assignment of the beneficial interest of
an insured mortgage as collateral security. The assignee's
name is inserted into the form. The amount of the liability
will need to be inserted, regardless of the amount of the
policy. Lender $50.00 This endorsement insures the lender for
the valid assignment of the beneficial interest of an
insured mortgage as collateral security, and that there are
no recorded releases, modifications or subordination's of
said mortgage. The amount of the liability will need to be
inserted, regardless of the amount of the policy. The
assignee's name is inserted into the form. Lender 15% of base rate This endorsement insures the lender of
the valid assignment of the beneficial interest of an
insured mortgage, and that there are no subsisting tax or
assessment liens, no matters affecting the validity or
priority of the mortgage, and no federal tax liens or
bankruptcy proceedings except as listed. It excludes lack of
possession and absence of endorsement of the note. Lender 10% of base rate This endorsement insures the lender of
the valid assignment of the beneficial interest of an
insured mortgage, and that there are no recorded releases,
modifications or subordination's of said mortgage. It
excludes lack of possession and absence of endorsement of
the note. Owner Rate applicable to increase plus $50.00 This endorsement increases the face
amount of the policy to accommodate an additional advance
when used with a loan policy. When used with an owner's
policy, this endorsement covers the need for additional
coverage for the construction of improvements, inflation,
etc. Lender Rate applicable to increase plus 10% base rate if less than 12 months, if over, then rate is 25% of base rate This endorsement to the owner and/or
lender increases the liability amount of the policy and
changes the effective date thereof, both of which are
inserted into the form. Any intervening liens should be
noted in the space provided. Lender Lender 20% of base rate (minimum $50.00) This endorsement insures the owner and/or
lender that ATGF will not deny its liability on the ground
that the insured had knowledge of any matter, by reason of
notice imputed to the insured through or by operation of
law. The insured's name is inserted into the form. An
affidavit and agreement is required to obtain this
endorsement. Owner 10% of base rate (minimum $50.00) This endorsement insures the owner and/or
lender that ATGF will not deny its liability on the ground
that the insured had knowledge of any matter, by reason of
notice imputed to the insured through or by operation of
law. The person or entity through which the knowledge might
be imputed is specifically named and the form also protects
the insured if the knowledge is imputed through "any other
party". The insured's name is inserted into the form. An
affidavit and agreement is required to obtain this
endorsement. Owner $50.00 per issue This endorsement adds the name inserted
into the form as an insured party and may be used with an
owner's policy or lender's policy. Owner 20% of base rate This endorsement adds the name of an
additional insured party to the policy. It does not change
the effective date of the policy and may be used with an
owner's policy or lender's policy. Owner This endorsement changes the effective
date of the policy. This endorsement may be used with an
owner's or lender's policy. Owner This endorsement changes the effective
date of the policy, and will add exceptions to title such as
intervening liens or other matters disclosed by the public
records. This endorsement may be used with an owner's or
lender's policy. Lender Rate applicable to increase plus $60.00 This endorsement insures the lender for
additional advances to a borrower which causes the
indebtedness to exceed the original policy amount. It
further insures that no other lien will have priority and
that the mortgage securing the advance has not been
released, modified or subordinated, unless noted. The
borrower's name is inserted in the appropriate space and the
amount of the additional advance is noted. The date of the
original promissory note is also inserted in this
form. Owner $50.00 Owner 10% of base rate This endorsement admits the existence of
an oil and gas or mineral lease or other exception to title
on the record, but insures the owner or lender against loss
or damage sustained by reason of the enforcement or
attempted enforcement thereof. This endorsement must have
underwriting approval. See Section _________ of the Member
Manual for "Mineral Protection Approval"
form. Owner No charge This endorsement is an owner and/or
lender endorsement extending the commitment date. The
effective date remains the same. Owner This endorsement is an owner and/or
lender endorsement used for correcting errors on the
policy. Lender 10% of base rate based upon face amount of policy. This endorsement insures the lender for
the validity of a modification of an insured mortgage. This
form does not insure against intervening liens. The charge
is based upon the unpaid balance of the mortgage. The
borrower's and the lender's names are inserted along with
the recording information of the modification agreement. The
modification terms are also inserted in the space
provided. Lender 20% of base rate based upon face
amount of
policy. Lender $50.00 per issue This endorsement insures the lender that
a renegotiable rate mortgage (RRM) or deed of trust is (i)
valid and enforceable and (ii) assured of priority of
recording and unaffected by changes in the interest rate.
The insured must assure ATGF that the RRM was made pursuant
to Federal Home Loan Bank Board Regulations and that the
interest rate changes must be in accordance with those
regulations. Lender $50.00 per issue This endorsement insures the lender that
its lien will not become unenforceable or invalid as a
result of changes in the rate of interest. It also protects
against loss of priority of the lien as to advances. Lender $50.00 per issue This endorsement insures the lender's
priority despite changes in the rate of interest and
advances pursuant to a revolving line of credit. Lender $50.00 This endorsement insures the lender for
all advances outstanding and unpaid at any given time, up to
the amount of the policy. Lender $50.00 per issue This endorsement insures the lender that
its lien will not become unenforceable or invalid as a
result of changes in the rate of interest. Lender $60.00 per issue This endorsement insures the lender that
its lien will not become unenforceable or invalid as a
result of changes in the rate of interest. It also provides
additional coverage for capitalization of interest (negative
amortization). Lender $60.00 per issue This endorsement insures the lender that
its lien will not become unenforceable or invalid as a
result of changes in the rate of interest and increases the
amount of the insurance to coincide with the increases in
the unpaid principal balance resulting from negative
amortization. Lender $50.00 This endorsement insures the lender that
its lien will not become unenforceable or invalid as a
result of changes in the rate of interest and increases the
amount of the insurance to coincide with the increases in
the unpaid principal balance resulting from negative
amortization. Lender 20% of base rate based upon face amount of policy (minimum $50.00) This endorsement insures the lender that
the execution and recordation of a partial release has not
impaired the priority of the mortgage lien on the balance of
the property. The date of the execution and the recording
date of the partial release are inserted in the space
provided. Lender 20% of base rate based upon face amount of policy. This endorsement insures the lender
against loss by reason of the execution of a partial
release; against encroachments or existing improvements on
the unrelated land onto adjoining lands; or against
encroachments of existing. Lender $60.00 This endorsement assures the lender that
the amount of insurance is not reduced because of any
partial releases. Lender $50.00 This endorsement insures the lender that
advances made after the date of the policy which are secured
by the mortgage and made within 10 years of the date of the
mortgage have the same priority over other liens at the time
the advances are made. Excepted from coverage are federal
tax liens, bankruptcies and liens known to the insured. Lender $50.00 This endorsement insures the lender that
its lien will not become invalid, unenforceable or lose
priority as a result of the exercise of the Conditional
Right to Refinance, the extension of the loan term and a
change in the rate of interest as set forth in the Mortgage
Rider. Lender 10% of base rate This endorsement amends the loan policy
to define bondholders, the trustee, and successors as
insureds, as well as defines bonds, and provides various
options with respect to resolving claims. Lender $50.00 This endorsement insures the lender that
the estate as insured is a condominium. Lender 10% of base rate (minimum $50.00) This endorsement insures the owner and/or lender against (i) the failure of the insured unit and its common elements to be part of a condominium within the meaning of condominium statutes; (ii) the failure of the documents required by the said condominium statutes to comply with the requirements of said statutes to the extent that such failure affects title; (iii) present violations of restrictive covenants and that the covenants do not contain a possibility of reverter; (iv) priority of any association lien over the insured mortgage; (v) the failure of the unit and its common elements to be assessed for real property taxes as a separate parcel; (vi) any obligation to remove improvements because of (a) any present encroachment or (b) any future unintentional encroachment of the common elements upon any unit or of any unit upon the common elements or another unit; and (vii) failure of title because of a right of first refusal to purchase the property. Owner 20% of base rate This endorsement insures the owner and/or
lender that the condominium unit lies within the boundaries
of the condominium map. It also states an address and
insures that the unit numbers are correct. Lender 10% of base rate (minimum $50.00) This endorsement insures the lender
against (i) present violations of restrictive covenants and
that the covenants do not contain a possibility of reverter;
(ii) priority of any Association lien over the insured
mortgage; (iii) any obligation to remove improvements
because of (a) present encroachment upon adjoining lands or
(b) present encroachment onto the land by improvements on
adjoining land; and (iv) failure of title because of a right
of first refusal to purchase the property. Lender $50.00 per issue This endorsement insures the lender that
the manufactured home is a fixture and is included in the
description of "land". ALTA 7 Manufactured Housing Lender 10% of base rate This endorsement insures the lender that
the manufactured home is a fixture and is included in the
description of "land". Lender $50.00 minimum, inspection charge is attached when policy is issued. If attached subsequent, 10% of base rate This endorsement insures the lender that
(i) certain improvements, described in the endorsement, are
located upon the insured land; and (ii) the map (survey,
improvement location certificate) attached to the policy
shows the correct location and dimensions of the land
according to a (a) filed plat of subdivision, (b) filed
government official survey, (c) boundary survey filed
pursuant to §38-44-112,C.R.S. or (d) any other real
estate records filed or recorded in the office of the clerk
and recorder of the county in which the land is situated.
Normally all that is required to issue this endorsement is
an improvement location certificate, properly certified to
ATGF by the surveyor pursuant to statute. The type of
housing and the street address are inserted in the form in
the space provided. Owner 20% of base rate This endorsement insures the owner and/or
lender that the subject property is the same as that
delineated on a plat of survey attached to and made a part
of the policy. The surveyor's name, the date of the survey
and the job number is inserted in this form in the space
provided. A survey or an improvement location certificate
must be provided to obtain this endorsement. Owner 20% of base rate This endorsement insures the owner and/or
lender that the condominium unit lies within the boundaries
of the condominium map. It also states an address and
insures that the unit numbers are correct. Owner 20% of base rate This endorsement insures the owner and/or
lender that the land described and insured in the policy is
contiguous to another tract described in the endorsement. A
survey or an improvement location certificate must be
provided to obtain this endorsement. Lender 20% of base rate This endorsement assures the lender that
(i) a manufactured home, (as defined in the Colorado Titles
to Manufactured Homes Act, CRS §38-39-201, et seq.), is
actually located on the land; (ii) such improvements are
correctly shown on the submitted improvement location
certificate; and (iii) to the extent the improvements
constitute real property, they are included in the land
described on the policy. No protection is provided against
prior liens or security interests filed pursuant to the act
or other security law. Lender No charge if the closing is conducted by ATGF or the ATGF agent. The agent must call ATGF for a quote and underwriting requirements This endorsement insures the lender
against loss or damage by reason of the legal description in
the lien not being legally identical to the land described
in the policy. Lender No charge if the closing is conducted by ATGF or the ATGF agent. The agent must call ATGF for a quote and underwriting requirements This endorsement insures the lender
against loss or damage by reason of there being name
variances in the lien and the name in which title is
vested. Lender $60.00 minimum inspection charge is attached when policy is issued. If attached subsequent, 20% of base rate This endorsement insures the lender that
certain improvements, described in the endorsement, are
located upon the insured land. The type of improvements and
the street address are inserted in the form in the space
provided. Normally all that is required to issue this
endorsement is an improvement location certificate, properly
certified to ATGF by the surveyor pursuant to statute. Lender $60.00 minimum inspection charge if attached when policy is issued. If attached subsequent, 20% of base rate This endorsement insures the lender that
the map (survey, improvement location certificate) attached
to the policy shows the correct location and dimensions of
the land according to a (a) filed plat of subdivision, (b)
filed government official survey, (c) boundary survey filed
pursuant to §38-44-112,C.R.S. or (d) any other real
estate records filed or recorded in the office of the clerk
and recorder of the county in which the land is situated.
Normally all that is required to issue this endorsement is
an improvement location certificate, properly certified to
ATGF by the surveyor pursuant to statute. Lender 20% of base rate (minimum $50.00) This endorsement insures the lender with
respect to an obligatory advance under an insured deed of
trust. The specific intervening liens, if any, are inserted
and the owners' names are inserted. The advance amount is
also inserted in this form. Lender $50.00 This endorsement insures the lender
against loss of priority of a lien. Mechanic's liens are not
included. Lender $50.00 This endorsement insures the lender that
as of the date of the policy any advances made pursuant to
the insured mortgage are covered under the policy. There is
no 10 year limit on this endorsement. The type of instrument
used to make the advance is inserted in this form. Lender $50.00 This endorsement insures the lender
against loss of priority because of the changes in the rate
of interest and as to priority for those advances. Lender $50.00 This endorsement insures the lender
against loss of priority because of the changes in the rate
of interest and as to priority for those advances. Lender $50.00 This endorsement insures the lender that
its lien will not become unenforceable or invalid as a
result of changes in the rate of interest, or any advances
made pursuant to the insured mortgage covered under the
policy. The type of instrument used to make the advance is
inserted in the form. Lender $50.00 This endorsement insures the lender
against loss of priority because of advances under a
revolving line of credit. The type of agreement is inserted
in this form. It excludes federal tax liens, liens known to
the insured, and bankruptcies occurring after the policy
date, and does not cover consumer protection to truth in
lending violations or environmental liens. Lender $50.00 This endorsement insures the lender that
its lien will not become invalid, unenforceable or lose
priority as a result of the exercise of the Conditional
Right to Refinance, the extension of the loan term and a
change in the rate of interest as set forth in the Mortgage
Rider. Lender 10% of base rate if during the 1st year; 25% if after 12 months This endorsement assures the lender
against loss or damage by reason of title being vested other
than as shown on Schedule A, recorded liens having gained
priority over the advances under the insured lien, or any
recorded partial or full releases of the insured lien.
Exceptions must be listed. It also covers subsequent
advances. Lender 10% of base rate This endorsement insures the holder of a
reverse mortgage against loss or damage by reason of
interest provisions, additional advance provisions, and loss
of priority by reason of such provisions. It does not insure
priority of advances against subsequently occurring federal
tax liens, bankruptcies, and environmental protection liens,
and excludes liens known to the insured and advances made
after recording of notice of default. Lender 20% of the base rate This endorsement insures the lender
against loss or damage by reason of invalidity or
unenforceability of the insured mortgage and loss of
priority because of the provisions for changes of interest.
It excludes usury, consumer credit protection or truth in
lending laws, and failure to comply with applicable
laws. Owner 25% of base rate This endorsement insures the owner and/or
lender that (i) the vacant land described in the policy
bears a stated zoning classification, according to the
applicable zoning ordinance; and (ii) the zoning
classification allows certain uses, subject to compliance
with the ordinance, including procurement of any necessary
consents or authorizations. This endorsement will require an
inspection and underwriting approval. The zone type is
inserted in this form and the types of uses allowed are
inserted in the form. Owner 25% of base rate This endorsement insures the owner and/or lender with the same coverage as in 123.1, except it applies to improved land. In addition, this endorsement insures that: (i) the present use of the structure on the land will not be prohibited; or (ii) such structure will not be required to be removed or altered because of a past or present violation of the zoning ordinances as to: a. suitable building site for the structure 125 Truth in Lending, Right of Rescission, ALTA 2 Lender $1.00 per $1,000 (minimum $50.00) This endorsement insures the lender
against loss by reason of the right of rescission arising
under certain truth in lending laws. Owner $50.00 per issue This endorsement, commonly called Owner's
Extended Coverage, is for single family residences,
including condominiums and townhouses. It insures the owner
against any loss or damage suffered as a result of the
enforced removal of the principal dwelling on account of any
violation at the date of the policy. Owner No charge This Colorado inflation endorsement
insures the owner that the policy will increase in value to
adjust for inflation. The maximum amount of insurance is
inserted in the
form. Owner No charge This endorsement to the commitment for an
ALTA Plain Language Policy, commonly called Owner's Extended
Coverage, is for single to four family residences, including
condominiums and townhouses. It insures the owner against
any recordings of liens in the gap, deletes printed
exceptions (to be inserted) and commits to inflation
coverage by Endorsement 130.3. This endorsement requires
that ATGF or the ATGF agent conduct the closing and that an
affidavit and indemnity agreement is signed by the
insured. Owner No charge This Colorado inflation endorsement
insures the owner that the ALTA Plain Language Policy will
increase in value to adjust for
inflation. Owner 20% Base Rate This endorsement, commonly called Owner's
Extended Coverage, is for commercial and industrial. It
insures the owner against any loss or damage suffered as a
result of the enforced removal of the principal dwelling on
account of any violation at the date of the policy. Owner $50.00 Lender No charge This endorsement amends Paragraph 13 of
the Conditions and Stipulations of the loan policy to allow
arbitration as a means of settling a controversy or claim
between ATGF and the insured arising out of or relating to
the policy, only when agreed to by all parties. Owner $50.00 This endorsement amends Paragraph 14 of
the Conditions and Stipulations of the owner's policy to
allow arbitration as a means of settling a controversy or
claim between ATGF and the insured arising out of or
relating to the policy, only when agreed to by all
parties. Lender 10% of base rate This endorsement assures the lender that,
as of a certain date, no matters appear of record affecting
the guarantee other than as listed. Lender $1.50 per thousand ALTA Construction Loan Policy
Endorsement A is almost identical to the 101.2
Endorsement except that compliance with provisions of law
known to the insured is not a condition of coverage as it is
in Form 101.2 Lender $3.00 per thousand ALTA Construction Loan Policy
Endorsement B protects the lender against liens for
work and materials furnished at any time, as to loan
proceeds advanced pursuant to a legal obligation contained
in an existing agreement. Lender $3.00 per thousand based on advances or aggregate policy amount ALTA Construction Loan Policy
Endorsement C protects the lender against liens for
work and materials furnished at any time, as to the loan
proceeds advanced prior to the filing of or any assertion of
a lien in the public records or thereafter advanced with
ATGF's written consent. Lender $3.00 per thousand ALTA Construction Loan Policy
Endorsement D protects the lender against liens for
work and materials furnished at any tine, without
qualification, provided the insured complies with its
agreement to advance loan proceeds. Owner $50.00 The endorsement insures the owner
that coverage will not be denied based upon the dissolution
or termination of the insured partnership by operation of
law. The designated transferee, if any, is noted in the
space provided. Owner $50.00 Form GE-1 will delete exception number 5
of Schedule B, Part 2. ATGF's liability is conditioned upon
the (i) insured's knowledge at the time of closing of the
existence of instruments recorded in the "gap"; (ii)
delivery to ATGF of properly executed instruments creating
the interest of the insured in the property within 24 hours
of the closing; and (iii) an agreement of indemnity from the
seller to ATGF as to instruments recorded during the "gap".
This endorsement is used with commitments. Owner No charge Form L changes the language of the
standard policies to refer to the "leasehold estate" versus
the fee simple. This endorsement can be used with an owner's
or lender's policy. Lender $50.00 Form U insures the insured lender against
the unenforceability of the mortgage because of usury under
the laws of the State of Colorado. |