The Policies available on residential transactions in Texas are the Owner Policy (Form T-1), the Residential Owner Policy (T-1R) (if the insured is a natural person), the Loan Policy (T-2) and the short form residential loan policy (T-2R). The lender, the trustee, an attorney, or the loan servicer may secure a Limited Pre-Foreclosed Policy (T-98), which insures as to record matters, prior to foreclosure. The title company may also issue Limited Pre-Foreclosure Downdate Endorsements (T-99).