EMC Mortgage
Last verified September 16, 2026
EMC Mortgage is a mortgage lender. Use the mortgagee clause below to list EMC Mortgage correctly on a homeowners insurance policy.
Mortgagee Clause
Not on file — contact the mortgagee directly.
Additional Notes
EMC Mortgage Corporation was the mortgage servicing arm of Bear Stearns. When JPMorgan Chase acquired Bear Stearns in 2008, EMC Mortgage's servicing operations were absorbed into Chase. If your older paperwork references EMC Mortgage, check the JPMorgan Chase Bank mortgagee record on this site for current contact information.
Understanding Your Mortgagee Clause
A mortgagee clause is the exact wording your homeowners insurance policy must carry so that if the property is damaged, your lender's financial interest is protected alongside your own. It has three parts: the lender's legal name, the ISAOA/ATIMA designation, and the lender's mailing address for insurance correspondence — all three need to match what the lender has on file.
ISAOA stands for "Its Successors and/or Assigns." ATIMA stands for "As Their Interests May Appear." Together they mean that if your loan is later sold or transferred to another company — which happens often in the mortgage industry — your policy's protection automatically follows the loan to its new owner, with no need to update the policy yourself.
Getting the clause wrong is more than a paperwork issue: an insurer that can't match your policy to your lender's records may flag it as lapsed, which can trigger lender-placed (and usually far more expensive) coverage. If EMC Mortgage has sold or transferred your loan since your policy was written, double-check the clause above against your most recent mortgage statement before renewing.