Page 38 - ALTA Endorsements Guide
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ALTA ENDORSEMENT RETURN TO TABLE OF CONTENTS
ALTA 8.1
Environmental Protection Lien
The ALTA 8.1 insures a lender of a residential loan against loss of priority due to (i) a federal or state
environmental protection lien filed in the public records or the U.S. District Court for the district in
which the land is located at the Date of Policy, and (ii) an environmental lien provided for by a state
statute (super lien) in effect on the Date of Policy, but excepting those statutes listed in Section (b)
of the endorsement. Both Fannie Mae and Freddie Mac require a statement that no environmental
protection liens have been recorded on loans they purchase from institutional mortgage lenders.
Because lenders are uncertain which loans might be owned by Fannie Mae or Freddie Mac, most
lenders require the endorsement as a matter of course. This endorsement is available on residential
loan policies only.
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