Rocket mortgage mortgagee clause p.o. box

When obtaining a mortgage, you may find that at are specific terms both elements of aforementioned contract that you don't understand. Some initial confusion are normal, considering that almost people aren't floating in the choice exploited in legal contracts. ... Individual such measure is the mortgagee clause. Let's take a closer see by ...

PHH Mortgage Clause. PHH Mortgage Services ISAOA/ATIMA P.O. Box 5954. Springfield, OH 45501-5954. For more on mortgagee clauses and insurance companies addresses, phone numbers and fax numbers, etc, refer to our pages on lenders.Over the past 3 months, 6 analysts have published their opinion on Rocket Lab USA (NASDAQ:RKLB) stock. These analysts are typically employed by l... Over the past 3 months, 6 analy...AmeriCU Mortgage P.O. Box 30843 Lansing, MI 48909-8311. What is the overnight or other correspondence mailing address? 888 W. Big Beaver Rd., Suite 310 Troy, MI 48084. How do I make a phone payment? ... PO Box 7063 Troy, MI 48007-7063 Attn: Servicing Loan Number: Insert Here.If you are facing a hardship that makes it difficult to make your mortgage payments, ... Gregory Funding PO Box 742334 Los Angeles, CA 90074-2334. Check payment via overnight, certified, or tracked mail ... Mortgagee clause update. Gregory Funding LLC ISAOA/ATIMA PO BOX 692402 San Antonio, ... The mortgagee clause gives the insurance company that holds your homeowners insurance policy the right to pay your lender under certain circumstances. For example, let's say you buy a house for $250,000 with a $50,000 down payment and a $200,000 mortgage, and you buy a homeowners insurance policy with $250,000 worth of coverage on the house.

The Central Florida Tourism Oversight District board’s control is limited to basic infrastructure Florida’s plan to exert more control over Disney by stripping it of its special ta...Norcom Mortgage ISAOA/ATIMA PO Box 1317 Avon CT 06001 For Title Commitment: Norwich Commercial Group, Inc. D/B/A Norcom Mortgage ISAOA ATIMA PO Box 1622 Avon CT 06001 . Title: norcom-mortgagee-clauses Created Date:*Based on Rocket Mortgage data in comparison to public data records. Rocket Mortgage, 1050 Woodward Ave., Detroit, MI 48226-1906. NMLS #3030. Go here for the Rocket Mortgage NMLS consumer access page. ©2000-2024 Rocket Mortgage, LLC.mortgage payments should be mailed to P.O. Box 79041, Baltimore, MD 21279-0041 as indicated on your statement. • From March 1 through March 4, 2022, we’ll be upgrading our technology. During this time you won’t be able to access or pay your mortgage online, at our branches, or via Client Services.East West Bank, ATTN: Loan Servicing - Mortgage Department, P.O. Box 60020, City of Industry, CA 91716-0020. Please continue to make your payment until you receive affirmative notice on the automatic drafting process in writing. Your bank must be a member of the Federal Reserve System.Loss-payee clauses (sometimes called mortgagee clause): This is a lender-specific legal clause where an insurer would pay your lender for a loss instead of the named insured. …

Ohio Savings Bank Principal Residential Mortgage, Inc. ISAOA/ATIMA P.O. Box 305309 Nashville TN 37320. Old Kent Mortgage Services IISAOA/ATIMA P.O. Box 11038 Orange CA 92856 301-893-0078. Option One Mortgage Corp. ISAOA/ATIMA P.O. Box 949 Orange CA 92856 702-263-8285 People's Mortgage Corp. ISAOA/ATIMA P.O. Box 3203 New Bedford MA 2741 801-290-6355The information provided by you to Quicken Loans is not an application for a mortgage loan, nor is it used to pre-qualify you with any lender. If you are contacted by a lender or broker advertising within our network, your quoted rate may be higher depending on your property location, credit score, loan-to-value ratio, debt-to-income ratio, and ...We’re ready to support your mortgage experience. Find the fastest way to get in touch with our team. ... PO Box 650783 Dallas, TX 75265-0783. For Overnight Mail.When obtaining a mortgage, you may find so there are specific terms and elements of aforementioned contract that you don't understand. Some initial confusion is normal, considering that greatest our aren't fluent in the language used by legal contracts. ... One create measure is the mortgagee cluse. Let's take an closer lookup at what it ...Address forward Property Insurance Rocket Mortgage LLC ISAOA PO Box 202070 Florence SCANNED 29502

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All you need is your loan number, Social Security Number, and property ZIP code to create your account. Then you can download our secure mobile app in the App Store or Google Play to manage your account anytime, anywhere. Transfer customers: You can use your new Mr. Cooper loan number or the loan number you had with your previous servicer.After you've switched insurance carriers, you or your insurance agent should email a PDF copy of the new policy to [email protected] (please include your loan number in the email) or mail a copy to: Valon Mortgage, Inc. PO Box 29415. Phoenix, AZ 85038. If your insurance is escrowed, we'll process the policy and make the payment for you.and Mortgagee Clause Refer to 1st Mortgage Requirements: Lakeview Loan Servicing, LLC c/o LoanCare, LLC ISAOA/ATIMA PO Box 202049 Florence, SC 29502-2049 Good-Bye Letter/Notice of Transfer - First Payment Address East Coast LoanCare, LLC PO Box 37628 Philadelphia, PA 19101-0628Its Successors and/or Assigns. P.O. Box 200401. Florence, SC 29502-0401

Fay Servicing. ISAOA / ATIMA. PO Box 7047. Troy MI 48007-7047 . Fay Servicing mortgagee clause address. for hazard and flood insurance policies. Listed for reference only. Fay Servicing mortgagee clause address. Title companies.Valon Mortgage, Inc. PO Box 29415. Phoenix, AZ 85038. After receiving your policy, it may take us up to 2 weeks to process a refund. 💡 Tip: If you need help updating the mortgagee clause on your certificate of insurance and getting us the updated copy, you can follow these steps . Submit a request. *Based on Rocket Mortgage data in comparison to public data records. Rocket Mortgage, 1050 Woodward Ave., Detroit, MI 48226-1906. NMLS #3030. Go here for the Rocket Mortgage NMLS consumer access page. M&T Bank P.O. Box 62986 Baltimore, MD 21264-2986. Please direct any complaints and inquiries to M&T Bank by contacting our Customer Service Department at 1-800-724-2224 or by sending a written request to the attention of Lending Services, Customer Support, P.O. Box 1288, Buffalo, NY 14240.Payments can be made to us by mail without a formal bill. Please reference your loan account number on your check and mail it to: Salem Five. Attn: Loan Servicing. 210 Essex Street. Salem, MA 01970. If you would like to request a copy of your mortgage bill, please call Customer Support at (800) 850-5000.Partner Today, Build Tomorrow. It's your business. We can help you build and grow your Wholesale or Non-Delegated Correspondent lending business. Third party origination (TPO) partners benefit from advanced mortgage lending tools, solutions, and services offered by Rocket Pro SM TPO. Partner With Us.Mortgage reinstatement, sometimes called loan reinstatement, is the process of restoring your mortgage after a mortgage default by paying the total amount past due. You will arrive at the point of a mortgage default after missing payments for several months. Once your mortgage is in default, your lender has the right to move forward with a ...Mortgage reinstatement, sometimes called loan reinstatement, is the process of restoring your mortgage after a mortgage default by paying the total amount past due. You will arrive at the point of a mortgage default after missing payments for several months. Once your mortgage is in default, your lender has the right to move forward with a ...P.O. Box 202028 Florence, SC 29502-2028. By Fax: 843-413-7133; The mortgagee clause must be listed as: Baxter Credit Union ISAOA / ATIMA c/o Central Loan Admin and Reporting PO Box 202028 Florence, SC 29502-2028 Loan # (include your loan number here) System Information. Title.Sun West Mortgage Company, Inc. 6131 Orangethorpe Avenue, Suite 500 Buena Park, CA 90620 Regular USPS Mail Sun West Mortgage Company, Inc. P.O. Box 6007 Artesia, CA 90702 . Return to top. When is my payment due? Unless otherwise noted on your payment coupon, your payment is due on the 1st of the month.These rocket pictures explore the people, science and technologies behind rocket development. Check out this informative series of rocket pictures. Advertisement NASA's space shutt...Valon Mortgage, Inc. PO Box 660043. Dallas, TX 75266-0043. Deluxe. Attn: Valon Mortgage, Inc. - 0043. 3000 Kellway Dr. Ste 120. Carrollton, Texas 75006. Valon Mortgage, Inc. 14647 S 50th St, Suite A-150. ... Updating the Mortgagee Clause on Your Certificate of Insurance; Setting up a Bank Account Online;

Mortgages & Home Equity ... P.O. Box 202028 Florence, SC 29502-2028. By Fax: 843-413-7133; The mortgagee clause must be listed as: Baxter Credit Union ISAOA / ATIMA c/o Central Loan Admin and Reporting PO Box 202028 Florence, SC 29502-2028 Loan # (include your loan number here)

Carrington Mortgage Services, LLC P.O. Box 660586 Dallas, TX 75266-0586. Overnight Payments. If you need to expedite your payment, please make your check payable to Carrington Mortgage Services and send to this address: Carrington Mortgage Services, LLC Cashiering Dept 2-270 1600 South Douglass Road, Suites 110 & 200-A Anaheim, …Guild Mortgagee Clause. Guild Mortgage Company LLC. ISAOA / ATIMA. PO Box 818009. Cleveland OH 44181-9600. Guild mortgagee clause address. for hazard and flood insurance policies. Listed for reference only. Other Addresses.Notification and Mortgagee Clause Lakeview Loan Servicing, LLC c/o LoanCare, LLC ISAOA/ATIMA PO Box 202049 Florence, SC 29502-2049 PMI Transfer Notification LoanCare, LLC ISAOA PO Box 8068 Virginia Beach, VA 23450 Flood Determination ... HMDA Reporting Code Type of Purchaser - Code 71- Credit Union, Mortgage Company, or Finance Company ...Apr 20, 2024 · A mortgagee is simply the entity that makes the home loan, while a mortgagor is the person or persons who apply for and borrow money to buy the home. If you’re looking to secure a mortgage, you are the mortgagor, and your lender is the mortgagee. Understanding the difference between these terms can simplify the application process, no matter ... P.O. Box 1000 Chester, PA 19022 www.transunion.com Experian P.O. Box 2104 Allen, TX 75013 www.experian.com Equifax Credit Information Services, Inc P.O. Box 740241 Atlanta, GA 30374 www.equifax.com Innovis Consumer … Guild Mortgagee Clause. Guild Mortgage Company LLC. ISAOA / ATIMA. PO Box 818009. Cleveland OH 44181-9600. Guild mortgagee clause address. for hazard and flood insurance policies. Listed for reference only. Other Addresses. P.O. Box 630147 Littleton, CO 80163-0147 Request for Information : A request for information is a written request (other than a notice on a payment coupon or other payment medium supplied by the servicer) relating to the servicing of the mortgage loan that includes: (1) your name, (2) information that allows us to identify your mortgage account ...These documents can include a Declaration Page, Renewal Invoice, Cancellation Notice, etc. If your loan is serviced by Movement Mortgage, the mortgagee clause to provide to …

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The Integral Role of ISAOA in Your Mortgage Documents. You might be wondering, why should ISAOA earn a spot in your mortgage lingo library? Remember, ISAOA, or “Its Successors And/Or Assigns,” is the lighthouse guiding the transferability of your lender’s interest. Significance in the mortgage industry: When your loan is sold like … Lending services provided by Rocket Mortgage, LLC, a subsidiary of Rocket Companies, Inc. (NYSE: RKT). Rocket Mortgage, LLC, Rocket Homes Real Estate LLC, RockLoans Marketplace LLC (doing business as Rocket Loans), Rocket Auto LLC and Rocket Money, Inc. are separate operating subsidiaries of Rocket Companies, Inc. (NYSE: RKT). Once you have these please call 888-810-7318 to speak with one of our Insurance Claim Specialists. We are available Monday through Friday, 8:00 am to 8:00 pm ET and Saturday, 9:00 am to 2:00 pm ET. Your claim check may include money for living expenses, the loss of your home's contents, and the loss of personal property as well as repairs to ...We're a full-service mortgage provider, and we have a variety of options to help you: Buy a home; ... Member FDIC Equal Housing Lender. NMLS #403249 - Issued by the Nationwide Multistate Licensing System and Registry ... (800) 366-2132. Arvest Bank - Complaint P.O. Box 395 Little Rock, AR 72203 (800) 366-2132 Via Email: [email protected] we what has the current policy's Declaration Page updated with Better's Mandatory Clause quoted on it as well as the receipt of the policy prize and the Replacement Cost Estimator. Down is our Mortgagee Clause. Better Mortgage Corp C/O TMS,ISAOA/ATIMA, P.O. Box 1194, Juniper, EGAD 45501-1194 , Bank no: xxxxxxxx Is this normal?3. Advise the new insurance provider that your mortgage company will be sending the payments for your homeowner’s insurance premium. Make sure they list Gateway Mortgage on the mortgagee clause as follows: Gateway Mortgage, a division of Gateway First Bank ISAOA/ATIMA PO Box 5013 Troy MI 48007-5013 4.Depending on the insurance provider and the state in which you live, title insurance premiums can vary. A policy can cost $500 - $3,500. If the seller is purchasing the owner's policy, the cost could be factored into the sale of the property. The insurance process is usually initiated by a third party, such as a closing agent, once the ...Partner Today, Build Tomorrow. It's your business. We can help you build and grow your Wholesale or Non-Delegated Correspondent lending business. Third party origination (TPO) partners benefit from advanced mortgage lending tools, solutions, and services offered by Rocket Pro SM TPO. Partner With Us.Citizens. ISAOA / ATIMA. PO Box 202060. Florence SC 29502 2060. Citizens Bank mortgagee clause address. for hazard and flood insurance policies. Listed for reference only. Citizens mortgagee clause address. Title companies.RoundPoint Mortgage Servicing LLC PO Box 19789 Charlotte, NC 28219-9409. Correspondence. For all other written correspondence, please write to us at: ... P.O. Box 10210 Daytona Beach, FL 32120-0210. Loss Mitigation. RoundPoint Mortgage Servicing LLC Attention Loss Mitigation Department PO Box 19409 ….

A hedge clause is a disclaimer found in financial documents that protects a financial reports' authors from liability for errors within the report. A hedge clause is a disclaimer f...Wells Fargo Home Mortgage. PO Box 10335 Des Moines, IA 50306-0335. Wells Fargo Home Mortgage. 1 Home Campus Mac X2302-02j - Des Moines, IA 50328-0001. 1; HeadquartersAutomatic mortgage payments are set up through Chase directly. Bill payment is set up through a 3rd-party service and the customer controls the payment, amount and payee. Please update any third party bill payment to Chase, P.O. Box 78420 Phoenix, AZ …In order to find out how to access the equity in your home, please call 855-294-8564 to speak with one of our licensed Loan Officers or fill out this form. One of our licensed Loan Officers will reach out to you soon. If you have any questions about your existing mortgage, find your Servicer details from the list below and reach out to them.Rocket Mortgage, 1050 Woodward Avenue, Detroit, MI 48226-1906. Rocket Mortgage, LLC; NMLS #3030; www.NMLSConsumerAccess.org.Equal Housing Lender. Licensed in 50 ...December 01, 2023 19:09. Updated. To continue using your bank's Online BillPay service, you'll need to change the payee information to the following name and address: Valon Mortgage, Inc. PO Box 660043. Dallas, TX 75266-0043. 💡 Tip: When updating your Online BillPay, remember to put your Valon loan number in the "Account Number" input ...Citizens. ISAOA / ATIMA. PO Box 202060. Florence SC 29502 2060. Citizens Bank mortgagee clause address. for hazard and flood insurance policies. Listed for reference only. Citizens mortgagee clause address. Title companies.What Is A Mortgagee Clause? Mortgage Basics - 5-minute read Victoria Araj - April 20, 2024 Provisions in real estate transactions can be tricky to understand. For instance, what is a mortgagee clause, and how can it impact lenders and borrowers? ... Rocket Mortgage, 1050 Woodward Ave., Detroit, MI 48226-1906Please provide your new insurance agent with your New American Funding mortgage loan number and the following information for the loss payee/mortgagee clause: New American Funding Its Successors and/or Assigns P.O. Box 5071 Troy, MI 48007-5071 FAX: (248) 781-9295 For more information, Contact us at (877) 826-4428 NEW AMERICAN FUNDING QUICK GUIDE Rocket mortgage mortgagee clause p.o. box, *Based on Rocket Mortgage data in comparison to public data records. Rocket Mortgage, 1050 Woodward Ave., Detroit, MI 48226-1906. NMLS #3030. Go here for the Rocket Mortgage NMLS consumer access page. ©2000-2024 Rocket Mortgage, LLC., If you're 30 days overdue on your last mortgage payment, the lender can demand payment on the outstanding balance by enacting an acceleration clause. Most lenders will send you a letter before they accelerate the debt to give you a chance to catch up. ... Rocket Mortgage, 1050 Woodward Ave., Detroit, MI 48226-1906, Valon Mortgage, Inc. PO Box 660043. Dallas, TX 75266-0043. Deluxe. Attn: Valon Mortgage, Inc. - 0043. 3000 Kellway Dr. Ste 120. Carrollton, Texas 75006. Valon Mortgage, Inc. 14647 S 50th St, Suite A-150. ... Updating the Mortgagee Clause on Your Certificate of Insurance; Setting up a Bank Account Online;, CONTACT US Dovenmuehle Mortgage, Inc. 1 Corporate Dr. St 360 Lake Zurich, ..., Standard Mail Payoff Home PO Box 5710 Chicago IL 60680-5681 OR PO Box 11733 Newark NJ 07101-4733, Mortgage insurance protects against default on home loans. With private mortgage insurance (PMI) mitigating the risk to the investors who own mortgages, folks can make down payments of less than 20% to purchase a home. This, in addition to other measures taken by lenders such as including a mortgagee clause within your homeowners insurance ..., 2. Get Preapproved. A mortgage preapproval is helpful for many reasons. While a prequalification provides an estimate of your finances, a preapproval is more precise. To be preapproved, borrowers submit their financial information to the mortgage lender, who then conduct a thorough investigation of the finances including a verification of income, assets and credit - so when you're ..., The mortgagee clause needed by the insurance company is: KeyBank National Association ISAOA, Attention: Insurance Admin, P.O. Box 1868, Kennesaw, GA 30156. •pplying for new credit before closing may affect loan status. If you do so, please notify us immediately.A •f there are any changes in employment, please notify us immediately.I, Fifth Third Bank. National Association. ISAOA / ATIMA. PO BOX 391197. Solon OH 44139-8197. Fifth Third mortgagee clause address. for hazard and flood insurance policies. Listed for reference only. Fifth Third Bank mortgagee clause for property insurance., C/O U.S. Bank Home Mortgage PO Box 961045 Fort Worth, TX 76161-0045 ... If you have questions about your mortgage account, please call us at 800-365-7772. URL Name. Where-can-I-send-proof-of-insurance-for-my-Equity-Loan-Line-or-Manufactured-Home-Loan. Conditions. Additional Information - Mobile., RoundPoint Mortgage Servicing Corporation - Charlotte, NC. Customer Service P.O. Box 19409 Charlotte, NC 28219 - 9409. Write A Review. Visit Website. (877) 426-8805. Updated: 11/26/2011., Wells Fargo Bank. ISAOA / ATIMA. PO Box 1274. Florence SC 29502. Wells Fargo mortgagee clause address. for hazard and flood insurance policies. Listed for reference only. Wells Fargo mortgagee clause address. Title companies., Get started by speaking with a licensed lending officer. phone (888) 983-3240. watch_later Available time. Monday - Friday. 08:00am - 10:00pm (EST) Saturday. 11:00am - 06:00pm (EST), Whether you're determining how much house you can afford, estimating your monthly payment with our mortgage calculator or looking for preapproval for a mortgage, we can help you at any part of the home buying process. See our current mortgage rates, low down payment options, and jumbo mortgage loans., Customer Service. P.O. Box 5452. Mount Laurel, NJ 08054-5452. Phone (800) 449-8767. [email protected]. We will provide you with a substantive response to your phone call or mailing, generally within 30 calendar days of receipt., If you require guidance or assistance in filing the hazard insurance claim, you may also contact PHH's Insurance Loss Draft Department at (888) 882-1815, Monday - Friday 8:00 a.m. - 9:00 p.m. ET and Saturday 8:00 a.m. - 5:00p.m. ET. Q: I just received an insurance claim check made payable to both myself and PHH., A notary signing agent - also sometimes referred to as a real estate notary - is an individual who walks borrowers through all documents at their home loan closing. Most loan document packages include between 100 and 150 pages, and many of these pages need signatures, initials and dates. A real estate notary walks you through your loan ..., First Community Mortgage, Inc. ISAOA/ATIMA. PO Box 1194. Springfield, OH 45501-1194. If you have questions about insurance changes. We are always more than happy to help you figure out the not-so-easy-to-figure-out details. Please give us a call at 855-995-6934., *Based on Rocket Mortgage data in comparison to public data records. Rocket Mortgage, 1050 Woodward Ave., Detroit, MI 48226-1906. NMLS #3030. Go here for the Rocket Mortgage NMLS consumer access page. ©2000-2024 Rocket Mortgage, LLC., 4. Closing Process. 5. Making Payments. 5. Your settlement documents will include instructions on how to make your first payment. While First Home Mortgage services many of our loans, it is possible servicing will be transferred. You will be mailed a notification that designates your mortgage servicer., June 30, 2023 19:53. Updated. After your transfer date, you'll need to let your insurance agent know that your loan was transferred to Valon. Give your agent your new Valon loan number and ask them to update the mortgagee clause on your certificate of insurance to: Valon Mortgage, Inc. and its successors and/or assigns. PO Box 29415., For loans originated in all states, please use the following mortgagee clause: Union Home Mortgage Corp. ISAOA/ATIMA . P.O. Box 7115 Troy, MI, 48007 . Loan # Email Address: [email protected]. Fax: 567-202-2355 Tax Bill Address For loans originated in all states, please use the following tax bill address: Union Home Mortgage Corp. P.O. Box 1203, PNC Bi-Weekly Automated Payment Program - Pay off your Mortgage faster and reduce the total interest you will pay on your loan by having half of your monthly payment automatically deducted every ... P.O. Box 8703 Dayton, OH 45401-8703 *The property securing the CHELOC must be located in a state where PNC offers home equity products ..., Chase Bank Mortgagee Clause. Chase Bank. Florence SC 29502-0564 . Chase Bank mortgagee clause address. Title companies. Escrow agents. PO Box 100546. ISAOA / ATIMA address for hazard and flood insurance policies., The mortgagee clause is a key part of these protections. A mortgagee clause states that if a property is damaged during the mortgage period, the insurance company must pay the mortgagee for this ..., NewRez LLC. ISAOA / ATIMA. 4000 Chemical Rd. Suite 200. Plymouth Meeting PA 19462. . NewRez mortgagee clause address. for hazard and flood insurance policies. Listed for reference only., Affordability: 8.4/10. Rocket Mortgage isn’t the cheapest option out there. The lender’s advertised rates are often higher than Bankrate’s national averages, and you’ll also pay lender ..., The Integral Role of ISAOA in Your Mortgage Documents. You might be wondering, why should ISAOA earn a spot in your mortgage lingo library? Remember, ISAOA, or "Its Successors And/Or Assigns," is the lighthouse guiding the transferability of your lender's interest. Significance in the mortgage industry: When your loan is sold like a hot cake from one lender to another, ISAOA ensures the ..., ServiSolutions Mortgagee Clause. ServiSolutions, a division of Alabama Housing Finance Authority ISAOA ATIMA PO Box 242967 Montgomery, AL 36124. FAQs about Insurance. How much insurance do I need? The terms of your mortgage require enough insurance to cover at least 100% of the estimated replacement cost for your home and any improvements to ..., PO Box 7111. Troy MI 48007. Northpointe mortgagee clause address. for hazard and flood insurance policies. Listed for reference only. Standard & Overnight. Payoff Address. 5303 28th Street Ct SE. Grand Rapids MI 49546., Automatic mortgage payments are set up through Chase directly. Bill payment is set up through a 3rd-party service and the customer controls the payment, amount and payee. Please update any third party bill payment to Chase, P.O. Box 78420 Phoenix, AZ …, If you are facing a hardship that makes it difficult to make your mortgage payments, ... Gregory Funding PO Box 742334 Los Angeles, CA 90074-2334. Check payment via overnight, certified, or tracked mail ... Mortgagee clause update. Gregory Funding LLC ISAOA/ATIMA PO BOX 692402 San Antonio, ..., The mortgagee clause shows that your mortgage lender is protected under the policy which is required by your mortgage agreement. If the mortgagee clause on your insurance policy is not correct, please contact your insurance agent to make the correction and issue a change to us. Why was a payment made for insurance I didn't approve? ...