This is how it reads: "All parties to this Note, including maker and any sureties, endorsers, or guarantors hereby waive protest, presentment, notice of dishonor, and notice of acceleration of maturity and agree to continue to remain bound for the payment of principle, interest and all other sums due under this Note and the Deed of Trust notwithstanding any change or changes by way of release, surrender, exchange, modification or substitution of any security for this Note or by way of any extension or extensions of time for the payment of principal and interest; and all such parties waive all and every kind of notice of such exchange or changes and agree that the same may be made without notice or consent of any of them."

I'll second Patrice's endorsement of Beth Rodriguez.  

In hindsight I could have done more if I had thought it would be out of compliance.Having said that, I relied on disclosures I signed - specifically the "Complaince and Proration Agreement Between Buyer and Seller" stating that "Seller agrees all HOA fees and/or special assessments are paid"Also the ALTA endorsement and Buyers Title Affidavit protecting me from "a failure to disclose present violations of covenants, conditions, restrictions".

The content, the process, the follow up, the ongoing coaching, all of them are solid & worthy of my endorsement.  

If you find a direct endorsed Fannie and Freddie mortgage banker with minimal overlays, the minimum would be 15% for s SFR.

You send the bank the money for the purchase price, the bank sends you the collateral file, an unrecorded AOM, and an allonge or endorsement.

Dear Marc Wong;I endorse you for your foresight into your future.

If so, you may have to add an endorsement to "other structure" coverage for the rental units.It may be better to write two policies with the same company. 

However, someone in my bank said although a teller would normally ensure all payees endorse the check before handling the payout they do not know how other banks or online deposit app will handle it.2.

Did a quick search here on BP and didn't find many with first hand experience, just a couple "through the grapevine" endorsements from a year or two ago.