CNBC, May 2026
65% of mortgage escrow accounts came up short
by $2,157 on average.
Most escrow shortage statements contain math errors and excess cushion charges that violate RESPA. We audit yours and generate a Qualified Written Request letter the servicer is legally required to respond to — in 90 seconds, for $29.
Built for US homeowners. We are not a law firm. The QWR letter is yours to sign and mail. Read the full disclaimer.
Free 90-second self-check
Type six numbers from your annual escrow analysis. We'll tell you instantly whether your servicer is within the RESPA cushion ceiling (one-sixth of annual disbursements). No signup required.
How the paid audit works
Upload your statement
Drag in your annual escrow analysis PDF. We extract every field against the RESPA schema.
Independent audit
Our rules engine checks cushion ceiling, surplus refund, shortage spread, math, and state interest law — all deterministic, all citation-backed.
QWR letter delivered
You receive a PDF letter citing RESPA §1024.36 demanding response in 30 business days. Add cert-mail dispatch for $19.
Pricing
Audit
- ✓Full RESPA audit
- ✓Quantified refund estimate
- ✓QWR letter PDF
- ✓CFPB + state-AG complaint drafts
Cert-Mail Dispatch
- ✓USPS Certified Mail
- ✓Return receipt
- ✓Tracking number
- ✓Auto-escalation if no response
Annual Monitor
- ✓Next-year statement re-check
- ✓Quarterly tax-bill alerts
- ✓Servicer-transfer detection
- ✓Cancel anytime
No outcome-contingent fees. The $29 audit + QWR letter are deliverables regardless of servicer response.