National Standard Exceptions
Table of Contents
National Standard Exception Topics
A
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- ACCR01 STGC Satisfactory Evidence of a Right of Access
- ACCX01 ALTA Complete Lack of a Right of Access
- ACCX02 Removed
- ACCX03 Partial Lack of a Right of Access Because of Gr
- ACCX04 Complete Lack of a Right of Access Because of C
- ACCX05 Partial Lack of Access Because of Condemnation
- ACCX06 Complete Lack of a Right of All Access Because
- ACCX07 Partial Lack of a Right of Access to Because of
- ACCX08 Pedestrian Right of Access Only
- ACCX09 OR Access rights relinquished to ODOT by Deed - Oregon
- ACCX10 OR Access rights relinquished to ODOT by Court Order - Oregon
- ACCX11 OR Land abuts State Highway, but there is no deed or court case establishing the highway - Oregon
- ACCX12 OR Access via BLM Permit - Oregon
- ACCX13 OR Access via Oregon Parks & Recreation Permit - Oregon
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- AGRR01 Farm Credit System Institution Foreclosure of Deed in Lieu of Agricultural Real Estate
- AGRR02 Farmland Foreclosure by or Deed in Lieu to Secretary of Agriculture or Farmers Home Administration
- AGRR03 Farmland Homestead Property Acquired by Secretary of Agriculture, Small Business Administration, or Farmers Home Administration
- AGRX01 Farm Credit System Institution Foreclosure or Deed in Lieu of Agricultural Real Estate
- AGRX02 Farmland and Farmland Homestead Acquired by Secretary of Agriculture, Small Business Administration, or Farmers Home Administration
B
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- BKYR01 Bankruptcy Applies - Require Bankruptcy Documents
- BKYR02 Bankruptcy May Apply - Court Order or Proof not Available
- BKYR03 Bankruptcy - Order to Sell
- BKYR04 Bankruptcy - Sale in Involuntary Proceedings
- BKYR05 Bankruptcy - Land not Scheduled
- BKYR06 Bankruptcy - Exempted Land
- BKYR07 Bankruptcy - Abandonment
- BKYR08 Bankruptcy - Confirmation
- BKYR09 Bankruptcy - Lift of Stay
- BKYR10 Bankruptcy - Annulment of Stay
- BKYR11 Bankruptcy - Lift of Stay to Allow Deed Recording
- BKYR12 Tax Foreclosure or Deed in Lieu Within Two Years - Creditor's Rights Requirement
- BKYX01 Deed in Lieu or Tax Sale Exception
- BKYX02 Broad Creditors' Rights Exception
- BKYX03 Creditors' Rights Exception - 1990 Owner's Policy
- BKYX04 Creditors' Rights Exception - 1992 Owner's Policy
- BKYX05 Creditor's Rights Exception - 1990 Loan Policy
- BKYX06 Creditors' Rights Exception - 1992 Loan Policy
- BKYX07 Court Order Not Final
- BKYX08 Unrecorded Bankruptcy
- BKYX09 Delayed Recording
- BKYS01 Vesting in the Bankruptcy Estate
- BKYS02 Vesting Subject to Bankruptcy Proceedings
C
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- CCRR01 Proof of Payment of Assessments
- CCRR02 Recorded Assessment Lien -Secure Release
- CCRR03 First Refusal
- CCRX01 Covenants Exception (With Option or First Refusal)
- CCRX02 Covenants Exception (With Option or First Refusal) - Violation Does Not Affect Insured Mortgage
- CCRX03 Covenants Exception (With Option or First Refusal) - Amended
- CCRX04 Covenants Exception (No Option or First Refusal)
- CCRX05 Covenants Exception (No Option or First Refusal) - Violation Does Not Affect Insured Mortgage
- CCRX06 Covenants Exception (No Option or First Refusal) - Amended
- CCRX07 Violation of Separate Covenants Exception Does Not Affect Insured Mortgage
- CCRX08 Amendment of Separate Covenants Exception
- CCRX09 Restrictions Common to Subdivision
- CCRX10 Violation Not Affect Good Faith Mortgage
- CCRX11 Violation Does Not Affect Insured Mortgage
- CCRX12 Assessment Lien is Subordinate to Good Faith Mortgage
- CCRX13 Assessment Lien is Subordinate to Insured Mortgage
- CCRX14 Restrictions Based on Race, Color, Religion, Sex, Handicap, Familial Status or National Origin
- CCRX15 Amendment of Restrictions
- CCRX16 Specific Provisions
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- CONR01 Condominium Assessments
- CONR02 Approval of Sale
- CONR03 Certificate of Completion
- CONS01 Unit Description (Fractional or Percentage Interest Stated)
- CONS02 Unit Description (No Fractional or Percentage Interest Stated)
- CONX01 Declaration Exception (with Option or First Refusal)
- CONX02 Declaration Exception (with Option or First Refusal) - Violation Does Not Affect Good Faith Mortgage
- CONX03 Declaration Exception (with Option or First Refusal) - Violation Does Not Affect Insured Mortgage
- CONX04 Declaration Exception (No Option or First Refusal)
- CONX05 Declaration Exception (No Option or First Refusal) - Violation Does Not Affect Good Faith Mortgage
- CONX06 Declaration Exception (No Option of First Refusal) - Violation Does Not Affect Insured Mortgage
- CONX07 Violation of Separate Declaration Exception Does Not Affect Good Faith Mortgage
- CONX08 Violation of Separate Declaration Exception Does Not Affect Insured Mortgage
- CONX09 Declaration Exception
- CONX10 Violation Does Not Affect Good Faith Mortgage
- CONX11 Possible Unrecorded Contract Purchasers of Units
- CONX12 Violation Does Not Affect Insured Mortgage
- CONX13 Assessment Lien is Subordinate to Good Faith Mortgages
- CONX14 Assessment Lien is Subordinate to Insured Mortgage
- CONX15 Special Time-share Exception
- CONX16 Endorsement Exception if Assessment Lien has Priority
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- COSR01 Proof of Forfeiture
- COSR03 Insuring the Contract – Review a Copy
- COSR04 Possible Outstanding Contracts
- COSR05 Requirement of Seller Consent to Transaction
- COSX01 Contract Exception – Contract Not Insured
- COSX02 Contract Exception – Contract Insured
- COSX03 Seller’s Interest Assigned
- COSX04 Buyer’s Interest Assigned
- COSX05 Possible Outstanding Contracts
- COSX06 Recharacterization as a Financing Scheme
- COSS01 Description of Insured Contract
D
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- DECR01 Pending Administration-Require Court Order
- DECR02 Require Administration and Authorization
- DECR03 Determination of Heirship if No Administration
- DECR04 Proof of Death-Joint Tenancy or Tenants by En
- DECR05 Estate and Death Taxes
- DECX01 Recorded Estate Taxes
- DECX02 Recorded State Death Tax Lien
- DECX03 Federal Estate Tax Lien
- DECX04 State Death Tax Lien
- DECS01 Heirs or Devisees Subject to Pending Administra
- DECS02 Heirs or Devisees Subject to Future or Unspecif
- DECS03 Independent Executor
- DECS04 Independent Executor and Devisees
- DECS05 Personal Representative
- DECS06 Personal Representative and Devisees
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- DESR01 Address Furnished
- DESR02 Defective Description
- DESS01 Lot and Block
- DESS02 Lot and Block (Metes and Bounds Attached)
- DESS03 Plat Amended
- DESS04 Metes and Bounds
- DESS05 Exhibit A
- DESS06 Except Improvements
- DESS07 Except Described Land Previously Conveyed
- DESS08 Except Land Particularly Described
- DESS09 Fee Simple
- DESS10 Fee in Improvements
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- DTSR01 Release by Noninstitutional Lender
- DTSR02 Payoff of Credit Line
- DTSR03 Require Documents
- DTSR04 Require Deed of Trust
- DTSR05 Foreclosure
- DTSX01 Deed of Trust - Describes Note and Loan Number
- DTSX02 Deed of Trust - Describes Note
- DTSX03 Deed of Trust - Does Not Describe Note
- DTSX04 Assignment
- DTSX05 Assignment of Beneficial Interest
- DTSX06 Assignor is Not the Holder
- DTSX07 Collateral Assignment
- DTSX08 Modification
- DTSX09 Subordination
- DTSX10 Doubtful Priority
- DTSX11 Subordination to Concurrent Deeds of Trust
- DTSX12 Notice of Default
- DTSX13 Trustee Substitution
- DTSX14 Notice of Trustee's Sale
- DTSX15 Additional Advance
- DTSX16 Subordinate Matters
- DTSX17 Redemption
- DTSX18 U.S. Redemption
- DTSX19 Trust Deed – Describes Note
- DTSX20 Trust Deed – Does Not Describe Note
- DTSX21 Partial Release
- DTSX22 Bail Bond Deed of Trust
- DTSX23 Assignment
- DTSX24 Assumption Agreement
- DTSX25 Nondisturbance
- DTSX26 Failure of Spouse to Join
- DTSX27 Foreclosure Defect
- DTSX28 Servicemembers Civil Relief Act
- DTSX29 Assignment – Note Delivery
- DTSX30 Other Land Not Insured
- DTSX31 Reacquisition by Mortgagor After Foreclosure
- DTSX32 Part of Lien Insured
- DTSS01 Insured Deed of Trust (Secured Debt Described)
- DTSS02 Insured Deed of Trust (Statement of Recited Debt)
- DTSS03 Insured Deed of Trust (No Recital of Debt)
- DTSS04 Additional Security
- DTSS05 Modification
- DTSS06 Assignment
E
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- EASR01 Recent Deed in Chain Shows Easement
- EASX01 Uninsurable Easement
- EASX02 Unlocated Easement
- EASX03 Easement With Stated Width Along Property Line
- EASX04 Easement â?? No Stated Width - Not Located
- EASX05 Easement With Stated Width - Not Located
- EASX06 Easement – No State Width - Located
- EASX07 Easement â?? Width Stated - Located
- EASX08 Easement – No Stated Width - Not Located
- EASX09 Easement on Map or Plat
- EASX10 Standard Exception to Unrecorded Easements
- EASX11 Utility Easement Along Property Line
- EASX12 Utility Easement Located
- EASX13 Drainage Easement Along Property Line
- EASX14 Drainage Easement Located
- EASX15 Sanitary Sewer Along Property Line
- EASX16 Sanitary Sewer Located
- EASX17 Railroad Easement Along Property Line
- EASX18 Railroad Easement Located
- EASX19 Access Easement Along Property Line
- EASX20 Access Easement Located
- EASX21 Driveway Easement Along Property Line
- EASX22 Joint Driveway Agreement
- EASX23 Navigation Easement Along Property Line
- EASX24 Navigation Easement Located
- EASX25 Street Easement Along Property Line
- EASX26 Street Easement Located
- EASX27 Road Easement Along Property Line
- EASX28 Road Easement Located
- EASX29 Anchor Easement Along Property Line
- EASX30 Anchor Easement Located
- EASX31 Easement disclosed by Survey
- EASX32 Multiple Easements disclosed by Survey
- EASX33 Utility Lines Disclosed by Survey or Inspection
- EASX34 Except to Condemned Land
- EASX35 Exception Unclear Whether Fee or Easement
- EASX36 Avigational Easement
- EASX37 Flood Easement
- EASX38 Utility Easements in Abandoned Road
- EASX39 Recorded Utility Easements in Abandoned Road
- EASX40 Recitals in Instrument
- EASX41 Easement Created in Deed of Trust
- EASX42 Easement Created in Mortgage
- EASX43 Reciprocal Easement Agreement
- EASX44 Overburdening
- EASX45 Current Ownership of Easement
- EASX46 Cable Agreement
- EASX47 Aerial Easement
- EASX48 Easement on Map or Plat
- EASX49 Easement Location
- EASX50 Easement Partially Released
- EASS01 Insured Easement
- EASS02 Insured Appurtenant Easement - Describing Land
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- ENCX01 Facts Disclosed by Survey
- ENCX02 Facts Disclosed by Inspection
- ENCX03 Facts Disclosed by Survey - Encroachment onto Adj
- ENCX04 Facts Disclosed by Inspection - Encroachment onto Adjoining Property
- ENCX05 Facts Disclosed by Survey - Encroachment onto Land
- ENCX06 Facts Disclosed by Inspection - Encroachment onto Land
- ENCX07 Facts Disclosed by Survey - Encroachment onto Setback Line, Street, Alley or Easement
- ENCX08 Facts Disclosed by Inspection - Encroachment onto Setback Line, Street, Alley or Easement
- ENCX09 Railroad Easement (Shown on Survey)
- ENCX10 Encroachment (Shown On Survey)
- ENCX11 Encroachment (Not Shown on Survey)
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- EXTR01 Parties in Possession
- EXTR02 Parties in Possession (Commercial or Agricultural)
- EXTR03 Easements and Survey Matters
- EXTR04 Survey Matters (Usual Survey Exception)
- EXTR05 Easements and Survey Matters (Preferred Survey
- EXTR06 Easements or claims of easements
- EXTR07 Mechanic's Liens
- EXTR08 Taxes and Assessments
- EXTX01 Parties in Possession
- EXTX02 Easements
- EXTX03 Survey Exception - Owner's Policy
- EXTX04 Survey Exception - Mortgagee Policy
- EXTX05 Mechanic's Liens
- EXTX06 Taxes and Assessments
- EXTX07 Survey Exception (Usual Survey Exception)
- EXTX08 Preferred Survey Exception
- EXTX09 Preferred Mechanic's Liens Exception
- EXTX10 Preferred Taxes and Assessments Exception
F
G
H
I
J
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- JUDR01 Search of Names
- JUDR02 Name of Buyers
- JUDR03 Release of Judgments
- JUDR04 Attachment
- JUDR05 Writ of Execution
- JUDX01 Judgment Lien
- JUDX02 Abstracts of Judgments
- JUDX03 Extended Judgment
- JUDX04 Revived Judgment
- JUDX05 Judgment Assigned
- JUDX06 Judgment of Support
- JUDX07 Judgment Lien
- JUDX08 Abstracts of Judgments
L
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- LEAR01 Proof that Lease Exists
- LEAR02 Proof that Lease Ended
- LEAR03 Insuring New Lease
- LEAR04 Leasehold Endorsement
- LEAR05 Leasehold Definition
- LEAX01 Lease (Full Lease Recorded)
- LEAX02 Lease (Memorandum of Record)
- LEAX03 Sublease Exception (Full Sublease Recorded)
- LEAX04 Sublease (Memorandum of Record)
- LEAX05 Lease (Disclosed to Company, Not Recorded)
- LEAX06 Lease (Disclosed in Another Instrument)
- LEAX07 Lease Modification
- LEAX08 Lease Subordination
- LEAX09 Lease Subordination (Short Form Exception)
- LEAX10 Lease Assignment (Lessee’s Interest)
- LEAX11 Lease Assignment
- LEAX12 Assignment of Rents
- LEAX13 Tenants in Possession
- LEAX14 Parties in Possession
- LEAX15 Tenants in Possession Under Unrecorded Leases
- LEAX16 Tenants in Possession (Evidence of Records)
- LEAX17 Recharacterization
- LEAX18 Lease with Purchase Option
- LEAX19 Severed Improvements
- LEAX20 Lease Compliance (Recorded)
- LEAX21 Lease Compliance (Unrecorded)
- LEAX22 Lease Exception (Not Recorded)
- LEAX23 Subordination of Lease (Parties Named)
- LEAX26 Recharacterization Exception
- LEAS01 Lease Memorandum with Option to Renew
- LEAS02 Lease Memo (No Option to Renew)
- LEAS03 Full Lease with Option to Renew
- LEAS04 Full Lease (No Option to Renew)
- LEAS05 Lease Amendment
- LEAS06 Lease Assignment
M
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- MARR01 Joinder of Spouse of Named Person
- MARR02 Joinder of Spouse of Current Owner
- MARR03 Require Marital Status of Current Owner - Joind
- MARR04 Require Marital Status of Current Owner - Joind
- MARR05 Require Marital Status of Named Person - Joinde
- MARR06 Require Marital Status of Named Person - Joinde
- MARR07 Record Shows Owner is Married - Joinder in Conv
- MARR08 Record Shows Owner is Married - Joinder in Mort
- MARR09 Name Change Because of Divorce; Require Copy of
- MARR10 Name Change Because of Marriage
- MARX01 Homestead Declaration
- MARX02 Possible Community Rights
- MARX03 Possible Community Rights Disclosed by Joinder
- MARX04 Community Rights
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- MINX01 Grant of Undivided Interest in Minerals or Subs
- MINX02 Grant of Minerals or Substances
- MINX03 Reservation of Undivided interest in Minerals o
- MINX04 Reservation of Minerals or Substances
- MINX05 Oil and Gas Lease
- MINX06 Specific Substance Lease
- MINX07 Separate Mineral Taxation (General)
- MINX08 Separate Taxation (Specific)
- MINX09 Minerals Located Below Stated Depth
- MINX10 Community or Pool Lease
- MINX11 Surface Waiver
- MINX12 Conditional Surface Waiver
- MINX13 Possible Surface Waiver
- MINX14 Mining Claims Broad Exception
- MINX15 Undivided Interest in Minerals
- MINX16 All Minerals Outstanding
- MINX17 Coal and Minerals
- MINX18 Lease of Stated Minerals or Substances
- MINX19 General Mineral Exception
- MINX20 PA Coal and Mining Exception - Pennsylvania
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- MMLR01 Require Statutory Notice of Completion
- MMLR02 Inspection to Determine No Commencement
- MMLR03 Require Statutory Bond for Recorded Lien
- MMLR04 Require Statutory Bond for Project
- MMLR05 Require Release
- MMLX01 Notice of Intention to File
- MMLX02 Statutory Lien for Services, Labor or Material
- MMLX03 Specify Possible Statutory Lien for Services, Labor or Material
- MMLX04 Suit to Foreclose Statutory Lien for Services, labor or Material
- MMLX05 Judgment Ordering Foreclosure of Statutory Lien for Services, Labor or Material
- MMLX06 Statutory Notice of Commencement
- MMLX07 Notice of Non-responsibility
- MMLX08 Statutory Lien for Services, Labor or Material (Inspection)
- MMLX09 Notice of Completion
- MMLX10 Mechanic’s Lien
- MMLX11 Mechanic's Lien Claims of any Tier By, Through or Under the Insured
- MMLX12 Mechanic’s Lien Claims of any Tier for the Benefit of Insured
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- MNRR01 Proof That The Child is Still a Minor
- MNRR02 Proof that 18 Years of Age in Current Transacti
- MNRR03 Proof of Age in Prior Transaction
- MNRR04 Require GuardianConservatorRepresentative
- MNRX01 Exception in Policy Issued to Minor
- MNRS01 Custodian Under Uniform Gifts to Minors Act
- MNRS02 Title in Guardian, Conservator, or Representati
- MNRS03 Title in Minor or Incompetent
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- MTGR01 Require Release
- MTGR02 Proof of Valid Foreclosure
- MTGR03 Payoff of Equity Line Loan
- MTGR04 Require Delivery of Release by Private Lender
- MTGR05 Require Documents
- MTGR06 Require Mortgage
- MTGR07 Satisfactory Assignment
- MTGR08 Satisfactory Subordination
- MTGX01 Mortgage - Describes Note
- MTGX02 Mortgage (Performance)
- MTGX03 Partially Released
- MTGX04 Assignment
- MTGX05 Assignment (Mesne)
- MTGX06 Modification
- MTGX07 Assignment of Rents
- MTGX08 Not all of Collateral Insured
- MTGX09 Subordination
- MTGX10 Policy Insures Subordination
- MTGX11 Foreclosure Suit
- MTGX12 Insured Assignment Exception
- MTGX13 Collateral Assignment
- MTGX14 Additional Advance
- MTGX15 Revival of Mortgage
- MTGX16 Right of Redemption
- MTGX17 U.S.A. Right of Redemption
- MTGX18 Insured Mortgage Secures Other Debt
- MTGX19 Mortgage (Describes Debt)
- MTGX20 Mortgage (Does not Describe Debt)
- MTGX22 General Subordinate Matters Exception
- MTGX23 Not all of the Collateral is Insured
- MTGX24 Questionable Assignment (Not in Chain)
- MTGS01 Other Collateral
- MTGS02 Mortgage (Describes Debt)
- MTGS03 Mortgage (Does not Describe Debt)
- MTGS04 Partially Released
- MTGS05 Assignment
- MTGS06 Modification
- MTGS07 Assignment of Rents
- MTGS08 Additional Advance Made
N
O
P
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- PDCX01 Loan Policy - No Downdate Required
- PDCX02 Loan Policy - Construction - Downdate Required
- PDCX03 Owner's Policy - No Downdate Required
- PDCX04 Reserved
- PDCX05 Reserved
- PDCX06 Loan Policy - Construction; Downdate Required
- PDCX07 Loan Policy - Construction; Ltd Coverage Only for Prior Wk
- PDCX08 Loan Policy - Construction - Downdate Required
- PDCX09 DE Loan Policy - First Mortgage for Construction - Delaware
- PDCX10 FL Loan Policy - Construction - Florida
- PDCX11 IL Loan Policy - Construction - Illinois
- PDCX12 MA Loan Policy - Construction - Massachusetts
- PDCX12.1 MA Loan Policy - Construction - Massachusetts
- PDCX12.2 MA Loan Policy - Construction - Massachusetts
- PDCX13 MI Loan Policy - Construction - Michigan
- PDCX14 NJ Loan Policy - Construction - New Jersey
- PDCX16 ND Loan Policy - Construction - North Dakota
- PDCX17 TX Loan Policy - Construction - Texas
- PDCX18 VA Loan Policy - Construction - Virginia, High Risk Projects ("Restpend")
- PDCX19 VA Loan Policy - Construction - Virginia ("Stewpend")
- PDCX20 OH Loan Policy - Ohio - Visible Commencement Rule
- PDCX21 PA Loan Policy - Construction - Pennsylvania
R
S
T
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- TAXR01 Possible Retroactive Taxes
- TAXR02 Payment of Taxes at Closing
- TAXR03 Payment of Taxes as of Policy Date
- TAXR04 Payment of Prior Taxes
- TAXR05 Tax Deed - Administrative (Nonjudicial) Tax Foreclosure or Potential Defect in Judicial Proceeding
- TAXR06 Delinquent Assessments
- TAXR07 Awaiting Tax Report
- TAXR08 OR Property Transferred to “tax-exempt government transferee” - Oregon
- TAXX01 Additional Taxes Because of Improvements
- TAXX02 Subsequent Taxes Because of Change in Use
- TAXX03 Retroactive Taxes
- TAXX04 Taxes for Calendar Year
- TAXX05 Taxes For Fiscal Year
- TAXX06 Taxes Paid Through Quarter
- TAXX07 Taxing District
- TAXX08 Taxing District (Refer to Recording Date)
- TAXX09 Notice of Postponed Taxes
- TAXX10 City and County Taxes
- TAXX11 Taxes and Assessments Due Subsequent to Policy Date
- TAXX12 Taxes Not Yet Due
- TAXX13 Redemption Rights
- TAXX14 MI Retroactive Revaluation - Michigan
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- TSGR01 Pending Bankruptcy Against Owner
- TSGX01 IRS Right of Redemption
- TSGX02 Priority of Mechanic’s Liens
- TSGX03 Request for Notice
- TSGX04 Numerous Judgment Liens
- TSGX05 No Policy Will Be Issued
- TSGX06 Notice of Default to Lienholders
- TSGX07 Publish Notice of Default if Trustor Provides N
- TSGX08 Servicemembers Civil Relief Act
U
V
W
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- WETX01 Water Rights
- WETX02 Navigable River or Stream Crosses or Abuts the
- WETX03 Non-Navigable Stream, Gully, Creek or Ditch Cro
- WETX04 Non-Navigable Rivers or Streams as Boundaries
- WETX05 Navigable Lake Abuts the Land
- WETX06 Non-Navigable Lake Abuts the Land
- WETX07 Land Abuts Ocean, Gulf or Bay
- WETX08 Artificially Filled Lands
- WETX09 Access to Adjacent Beach
- WETX10 Encroachment onto Beach
- WETX11 Extended Coverage Survey
- WETX12 OR Land is within a Scenic Waterway - Oregon