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Guides
All guidesHow-tos on getting real numbers out of the tools you already run.
GuidesInsurance agent won't send a replacement cost estimate for a mortgageThe agent is often right. Fannie Mae no longer requires an RCE on a 1-4 file. Ask for replacement-cost settlement on the dec page.GuidesWhat does a mortgage lender need from the homeowners insurance agent before closing?Binder, dec page, or insurer-signed certificate, a standard mortgagee clause, and replacement-cost coverage: the HOI packet before closing.GuidesWhat is required in a mortgagee clause?Lender or servicer legal name, its successors and/or assigns, and mailing address. Fannie Mae B7-3-08; loan number and ATIMA are overlay.GuidesWhat should an insurance binder include for a mortgage?Named insured, address, carrier, replacement-cost dwelling, deductible, effective date, and the lender named as mortgagee with the loan number.