Security Title Endorsement Guide

FUTURE ADVANCES ALTA ENDORSEMENT – FORMS 14-06 (02-03-11), 14.1-06 (02-03-11),

14.2-06 (02-03-11) and 14.3-06 (02-03-11 tech correction 12-03-12)

These endorsements affirmatively insure the priority and enforceability of the lien of the Insured

Mortgage with respect to future advances and repayments and re-advances of Indebtedness. In

addition, they include coverage for the consequences of a variable rate, including possible

negative amortization (or interest on interest), as discussed above in the ALTA 6-06 endorsement

section. These endorsements also cover the effect on the priority and enforceability of the Insured

Mortgage of the Indebtedness having been reduced to zero before being increased by

subsequent advances (“zero-balance”), and state law requirements to secure these advances not

having been met. Unique to the 14.3-06 (Reverse Mortgages) is additional coverage for failure of

the Insured Mortgage to state a term or maximum dollar amount, and failure of the mortgagors to

be at least 62 years old.

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