First American Title Insurance Company



Comparison: Standard Lender’s Policy versus Eagle Lender’s Policy (Enhanced Coverage)

|Invalidity or unenforceability of lien of insured trust deed on title | | |

|Priority of any lien or encumbrance over that of the insured deed of trust except matters on Schedule B | | |

|Invalidity or unenforceability of any assignment of insured deed | | |

|Improperly executed document | | |

|Pre-policy forgery, fraud, or duress | | |

|Defective recording of documents | | |

|Liens not disclosed in the policy | | |

|Unmarketability of title after foreclosure for matters existing as of the date of the policy | | |

|Mechanic's liens claims from pre-policy work | | |

|Priority over street assessments | | |

|Unrecorded restrictive covenants | | |

|Unrecorded easements | | |

|Rights under unrecorded leases | | |

|Existing covenants, conditions and restrictions: | | |

|~ violation cannot cause lien to be divested ~ forced removal of existing improvements violation | | |

|~ do not create easements, liquidated damages, private assessments, options to purchase, | | |

|or rights of first refusal ~ no present violations | | |

|No encroachments: | | |

|~ of existing improvements onto adjoining land ~ of existing improvements onto easements | | |

|~ of improvements from adjoining land onto the insured land | | |

|Damage due to forced removal of existing improvements due to encroachment onto easement | | |

|Damage due to existing improvements resulting from mineral extraction | | |

|Subdivision Map Act violations | | |

|Map not consistent with legal description | | |

|Usury law violations | | |

|Zoning violation | | |

|Revolving loan coverage | | |

|Adjustable rate mortgage coverage | | |

|Negative amortization coverage | | |

|Expanded survey coverage | | |

|Environmental protection lien | | |

|Street address inconsistency | | |

|Failure of land to contain residential structure | | |

|Automatic coverage to 125% of loan amount | | |

|Building permit violations | | |

|Enhanced vehicular and pedestrian access | | |

|Damage measurement for total failure of title is the loan balance not limited by the then value of the property | | |

|Post-policy mortgage modifications re advances and interest rate changes | | |

|Post-policy restrictive covenant violations | | |

|Post-policy violation of CC&R's prevent use as a residence | | |

|Post-policy forgery | | |

|Post-policy encroachment | | |

|Post-policy damage to modified or replacement improvements due to mineral extraction | | |

|Post-policy mechanics' liens | | |

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Residential Lender’s Policy Comparison

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